Summary
4see is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €119,115 and a net result of €18,210. Equity is growing by ~26.4% per year across the filed fiscal years. Its solvency ranks better than 25% of 5585 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
1 d early
2024
36 d early
2023
107 d early
2022
46 d early
2021
60 d early
2020
30 d early
2019
43 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 46 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 15 June (4 of the last 5 filed years within 45 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€119,115▼ 40.7%
2024 · €200,905
Net result
€18,210▼ 56.8%
2024 · €42,159
Total assets
€500,204▼ 19.1%
2024 · €617,961
Solvency
23.8%▼ 8.7pp
2024 · 32.5%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€25,065▲ 7.3%€31,704▲ 26.5%€52,953▲ 67.0%€34,450▼ 34.9%€32,376▼ 6.0%
Net result€15,640within the sector's middle half▲ 101%€20,543within the sector's middle half▲ 31.3%€35,479within the sector's middle half▲ 72.7%€42,159within the sector's middle half▲ 18.8%€18,210within the sector's middle half▼ 56.8%
Equity€105,190within the sector's middle half▲ 74.3%€124,933within the sector's middle half▲ 18.8%€159,579below the sector's middle half▲ 27.7%€200,905within the sector's middle half▲ 25.9%€119,115below the sector's middle half▼ 40.7%
Total assets€550,372within the sector's middle half▼ 5.3%€515,719within the sector's middle half▼ 6.3%€594,207below the sector's middle half▲ 15.2%€617,961below the sector's middle half▲ 4.0%€500,204below the sector's middle half▼ 19.1%
Debt€445,181▼ 14.5%€390,786▼ 12.2%€434,628▲ 11.2%€417,056▼ 4.0%€381,089▼ 8.6%
Working capital€108,138within the sector's middle half▼ 6.2%€88,428within the sector's middle half▼ 18.2%€106,507within the sector's middle half▲ 20.4%€149,729within the sector's middle half▲ 40.6%€69,196within the sector's middle half▼ 53.8%
Solvency19.1%below the sector's middle half▲ 8.7pp24.2%within the sector's middle half▲ 5.1pp26.9%within the sector's middle half▲ 2.6pp32.5%within the sector's middle half▲ 5.7pp23.8%within the sector's middle half▼ 8.7pp
Current ratio2.51within the sector's middle half▼ 0.012.41within the sector's middle half▼ 0.112.22within the sector's middle half▼ 0.193.08within the sector's middle half▲ 0.852.04within the sector's middle half▼ 1.04
Return on assets (ROA)2.8%within the sector's middle half▲ 1.5pp4.0%within the sector's middle half▲ 1.1pp6.0%within the sector's middle half▲ 2.0pp6.8%within the sector's middle half▲ 0.9pp3.6%within the sector's middle half▼ 3.2pp
Staff (FTE)0within the sector's middle half0within the sector's middle half0within the sector's middle half
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 6% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €500,204
Fixed assets
€364,413 ▼ 8.0%
Current assets
€135,791 ▼ 38.8%
Equity and liabilities €500,204
Equity
€119,115 ▼ 40.7%
Debt
€381,089 ▼ 8.6%
Debt's share of the balance-sheet total rises from 67.5% to 76.2%. Equity and debt are lower.
Key figures and ratios
ROE
15.3%▼
2024 · 21.0%
Debt ≤ 1 year
€66,596▼
2024 · €72,114
Debt > 1 year
€314,038▼
2024 · €344,236
Income taxes
€8,828▼
2024 · €15,498
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €1,354 | €6,500 | €0 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €43,882 | €34,352 | €33,305 | €34,947 | €39,836 | ▲ 14.0% |
| Other operating charges640/8 | €2,350 | €2,479 | €2,438 | €2,344 | €2,604 | ▲ 11.1% |
| Non-recurring operating charges66A | - | - | €869 | €1,405 | €1,058 | ▼ 24.7% |
| Gross operating margin9900 | €71,297 | €68,535 | €89,565 | €73,146 | €75,873 | ▲ 3.7% |
| Operating profit (loss)9901 | €25,065 | €31,704 | €52,953 | €34,450 | €32,376 | ▼ 6.0% |
| Financial income75/76B | €10,195 | €6,079 | €6,359 | €34,003 | €3,850 | ▼ 88.7% |
| Recurring financial income75 | €10,195 | €6,079 | €6,359 | €34,003 | €3,850 | ▼ 88.7% |
| Financial charges65/66B | €9,959 | €7,997 | €9,220 | €10,796 | €9,188 | ▼ 14.9% |
| Recurring financial charges65 | €9,959 | €7,997 | €9,220 | €10,796 | €9,188 | ▼ 14.9% |
| Profit (loss) for the period before taxes9903 | €25,301 | €29,785 | €50,092 | €57,657 | €27,038 | ▼ 53.1% |
| Income taxes67/77 | €9,661 | €9,243 | €14,613 | €15,498 | €8,828 | ▼ 43.0% |
| Profit (loss) for the period9904 | €15,640 | €20,543 | €35,479 | €42,159 | €18,210 | ▼ 56.8% |
| Profit (loss) for the period to be appropriated9905 | €15,640 | €20,543 | €35,479 | €42,159 | €18,210 | ▼ 56.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €550,372 | €515,719 | €594,207 | €617,961 | €500,204 | ▼ 19.1% |
| Fixed assets21/28 | €370,776 | €364,490 | €400,617 | €396,118 | €364,413 | ▼ 8.0% |
| Intangible fixed assets21 | - | - | - | €19,663 | €12,568 | ▼ 36.1% |
| Tangible fixed assets22/27 | €370,776 | €364,490 | €400,617 | €376,455 | €351,845 | ▼ 6.5% |
| Land and buildings22 | €329,960 | €341,585 | €327,629 | €318,027 | €302,699 | ▼ 4.8% |
| Plant, machinery and equipment23 | €3,030 | €3,162 | €3,565 | €6,298 | €7,829 | ▲ 24.3% |
| Furniture and vehicles24 | €37,786 | €19,743 | €69,423 | €52,131 | €41,317 | ▼ 20.7% |
| Current assets29/58 | €179,596 | €151,229 | €193,590 | €221,843 | €135,791 | ▼ 38.8% |
| Amounts receivable after more than one year29 | €150,000 | €120,000 | €122,898 | €39,892 | €27,989 | ▼ 29.8% |
| Other amounts receivable291 | €150,000 | €120,000 | €122,898 | €39,892 | €27,989 | ▼ 29.8% |
| Amounts receivable within one year40/41 | €17,485 | €17,704 | €59,396 | €169,495 | €23,393 | ▼ 86.2% |
| Trade receivables40 | €14,833 | €15,947 | €46,281 | €15,991 | €17,222 | ▲ 7.7% |
| Other amounts receivable41 | €2,652 | €1,757 | €13,115 | €153,504 | €6,172 | ▼ 96.0% |
| Cash at bank and in hand54/58 | €6,344 | €9,558 | €2,576 | €476 | €75,257 | ▲ 15,716% |
| Deferred charges and accrued income490/1 | €5,768 | €3,967 | €8,720 | €11,980 | €9,152 | ▼ 23.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €550,372 | €515,719 | €594,207 | €617,961 | €500,204 | ▼ 19.1% |
| Equity10/15 | €105,190 | €124,933 | €159,579 | €200,905 | €119,115 | ▼ 40.7% |
| Contributions10/11 | €50,000 | €50,000 | €50,000 | €50,000 | €50,000 | = |
| Reserves13 | €55,190 | €74,933 | €109,579 | €150,905 | €69,115 | ▼ 54.2% |
| Non-distributable reserves130/1 | €5,000 | - | - | - | - | - |
| Reserves not available under the articles1311 | €5,000 | - | - | - | - | - |
| Tax-exempt reserves132 | €16,054 | €16,054 | €16,054 | €16,054 | €16,054 | = |
| Distributable reserves133 | €34,136 | €58,878 | €93,524 | €134,850 | €53,060 | ▼ 60.7% |
| Profit (loss) carried forward14 | - | - | €0 | €0 | €0 | - |
| Amounts payable17/49 | €445,181 | €390,786 | €434,628 | €417,056 | €381,089 | ▼ 8.6% |
| Amounts payable after more than one year17 | €372,329 | €326,737 | €346,694 | €344,236 | €314,038 | ▼ 8.8% |
| Financial debts170/4 | €339,444 | €304,842 | €323,396 | €279,253 | €246,795 | ▼ 11.6% |
| Other amounts payable178/9 | €32,885 | €21,896 | €23,297 | €64,983 | €67,243 | ▲ 3.5% |
| Amounts payable within one year42/48 | €71,458 | €62,801 | €87,083 | €72,114 | €66,596 | ▼ 7.7% |
| Current portion of amounts payable after more than one year42 | €39,654 | €35,680 | €40,197 | €32,763 | €33,598 | ▲ 2.6% |
| Financial debts43 | - | - | €54 | €0 | €3,805 | - |
| Credit institutions430/8 | - | - | €54 | €0 | €3,805 | - |
| Trade debts44 | €13,901 | €20,055 | €27,883 | €25,864 | €19,763 | ▼ 23.6% |
| Suppliers440/4 | €13,901 | €20,055 | €27,883 | €25,864 | €19,763 | ▼ 23.6% |
| Taxes, remuneration and social security45 | €15,604 | €5,591 | €17,266 | €10,810 | €7,993 | ▼ 26.1% |
| Taxes450/3 | €15,604 | €5,591 | €17,266 | €10,810 | €7,993 | ▼ 26.1% |
| Other amounts payable47/48 | €2,299 | €1,474 | €1,682 | €2,677 | €1,437 | ▼ 46.3% |
| Accrued charges and deferred income492/3 | €1,395 | €1,248 | €851 | €707 | €456 | ▼ 35.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €15,640 | €20,543 | €35,479 | €42,159 | €18,210 | ▼ 56.8% |
| + Depreciation and write-downs630 | €43,882 | €34,352 | €33,305 | €34,947 | €39,836 | ▲ 14.0% |
| Operating cash flow (approximation) | €59,521 | €54,894 | €68,783 | €77,106 | €58,046 | ▼ 24.7% |
| Investment in fixed assets (approximation) | - | -€28,066 | -€69,432 | -€30,448 | -€8,130 | ▲ 73.3% |
| Change in cash | - | €3,214 | -€6,982 | -€2,100 | €74,781 | ▲ 3,661% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €42,159 ▲18.8%
Net result €42,159, the highest in the series.
31-12
Financial
Equity above €200,000Eq €200,905 ▲25.9%
7 profitable years in a row build equity to €200,905.
15-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €150,000Eq €159,579 ▲27.7%
6 profitable years in a row build equity to €159,579.
15-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
01-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100,000Eq €105,190 ▲74.3%
4 profitable years in a row build equity to €105,190.
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €7,769 ▼7.9%
Net result drops to €7,769, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 2.53
Current ratio from 1.02 to 2.53.
18-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Kluisbergen · 1 establishment unit since 2017
Ground area
2,267 m²
Building footprint
645 m²
Volume, LiDAR
2,458 m³
Parcel 45002A0604/00S000, Flanders · tallest building 18.1 m, ±1 floor. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
4see
since 20172.261.056.241
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45002A0604/00S000 | Flanders | 2,267 m² | 1 · 645 m² | 18.1 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 12,758 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded23-01-2017
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70100Activities of head offices
70200Business and other management consultancy
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0669887641
Also
9925:BE0669887641
Registered
04-08-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.