Summary
ABUFIN is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2026 annual accounts show equity of €4.4m and a net result of €285,363. Equity is growing by ~5.2% per year across the filed fiscal years. Its solvency ranks better than 46% of 45 sector peers (fiscal year 2026). The company has been active since 1982 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 28-02-2026 was due by 30-09-2026 and was filed on 23-06-2026, 99 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
99 d early
2025
96 d early
2024
104 d early
2023
109 d early
2022
95 d early
2021
94 d early
2020
91 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 98 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 28-02-2027 and is due by 30-09-2027. Nothing is late today. Usually files around 23 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today28-02-2027 close30-09-2027 deadline
History
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Financials · fiscal year 2026, abbreviated schema
In the rankings
#10 oldest company in Knokke-Heist, Finance and insurance sector
Equity
€4.4m▲ 7.0%
2025 · €4.1m
Net result
€285,363▼ 15.2%
2025 · €336,391
Total assets
€7.0m▲ 3.0%
2025 · €6.8m
Solvency
63.0%▲ 2.3pp
2025 · 60.7%
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20222023202420252026
Operating result€470,219-€27,163€121,082-€22,983-€25,062▼ 9.0%
Net result€663,473above the sector's middle half-€275,601below the sector's middle half-€11,924below the sector's middle half▲ 95.7%€336,391above the sector's middle half€285,363▼ 15.2%
Equity€4.0mabove the sector's middle half▲ 19.6%€3.8mabove the sector's middle half▼ 6.8%€3.8mabove the sector's middle half▼ 0.3%€4.1mabove the sector's middle half▲ 8.9%€4.4m▲ 7.0%
Total assets€6.8mabove the sector's middle half▲ 12.7%€6.5mabove the sector's middle half▼ 4.1%€6.4mabove the sector's middle half▼ 1.5%€6.8mabove the sector's middle half▲ 5.8%€7.0m▲ 3.0%
Debt€2.7m▲ 3.8%€2.7m=€2.6m▼ 3.1%€2.6m▲ 1.3%€2.5m▼ 3.1%
Working capital€4.7mabove the sector's middle half▲ 17.4%€4.4mabove the sector's middle half▼ 6.8%€4.3mabove the sector's middle half▼ 2.2%€4.5mabove the sector's middle half▲ 6.5%€4.8m▲ 5.1%
Solvency59.9%within the sector's middle half▲ 3.5pp58.2%within the sector's middle half▼ 1.7pp58.9%within the sector's middle half▲ 0.7pp60.7%within the sector's middle half▲ 1.8pp63.0%▲ 2.3pp
Current ratio5.88above the sector's middle half▲ 0.125.26above the sector's middle half▼ 0.625.06above the sector's middle half▼ 0.204.93above the sector's middle half▼ 0.135.19▲ 0.25
Return on assets (ROA)9.8%within the sector's middle half▲ 11.8pp-4.3%below the sector's middle half▼ 14.1pp-0.2%below the sector's middle half▲ 4.1pp5.0%within the sector's middle half▲ 5.2pp4.1%▼ 0.9pp
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €25,062 in 2026 against €22,983 in 2025; the loss grows.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €7.0m
Fixed assets
€1.0m ▼ 1.5%
Current assets
€5.9m ▲ 3.8%
Equity and liabilities €7.0m
Equity
€4.4m ▲ 7.0%
Provisions
€23,461 ▼ 5.8%
Debt
€2.5m ▼ 3.1%
Debt's share of the balance-sheet total falls from 38.9% to 36.6%. Equity is higher and debt is lower.
Key figures and ratios
ROE
6.5%▼
2025 · 8.2%
Debt ≤ 1 year
€1.1m▼
2025 · €1.2m
Debt > 1 year
€1.3m▼
2025 · €1.3m
Income taxes
€47,090▼
2025 · €89,457
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €497,161 | - | €152,033 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €20,330 | €19,543 | €18,352 | €16,616 | €17,127 | ▲ 3.1% |
| Other operating charges640/8 | €16,821 | €16,065 | €16,458 | €17,290 | €17,629 | ▲ 2.0% |
| Gross operating margin9900 | €507,370 | €8,445 | €155,893 | €10,923 | €9,695 | ▼ 11.2% |
| Operating profit (loss)9901 | €470,219 | -€27,163 | €121,082 | -€22,983 | -€25,062 | ▼ 9.0% |
| Financial income75/76B | €255,904 | €253,076 | €301,457 | €407,530 | €275,740 | ▼ 32.3% |
| Recurring financial income75 | €255,904 | €253,076 | €301,457 | €407,530 | €275,740 | ▼ 32.3% |
| Financial charges65/66B | €59,339 | €492,429 | €395,359 | -€39,864 | -€80,339 | ▼ 102% |
| Recurring financial charges65 | €59,339 | €491,170 | €395,359 | -€39,864 | -€80,339 | ▼ 102% |
| Non-recurring financial charges66B | - | €1,260 | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €666,784 | -€266,517 | €27,180 | €424,412 | €331,017 | ▼ 22.0% |
| Transfer from deferred taxes780 | €1,436 | €1,436 | €1,436 | €1,436 | €1,436 | = |
| Income taxes67/77 | €4,747 | €10,521 | €40,541 | €89,457 | €47,090 | ▼ 47.4% |
| Profit (loss) for the period9904 | €663,473 | -€275,601 | -€11,924 | €336,391 | €285,363 | ▼ 15.2% |
| Transfer from tax-exempt reserves789 | €2,790 | €2,790 | €2,790 | €2,790 | €2,790 | = |
| Profit (loss) for the period to be appropriated9905 | €666,263 | -€272,811 | -€9,135 | €339,180 | €288,153 | ▼ 15.0% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €6.8m | €6.5m | €6.4m | €6.8m | €7.0m | ▲ 3.0% |
| Fixed assets21/28 | €1.1m | €1.1m | €1.1m | €1.0m | €1.0m | ▼ 1.5% |
| Tangible fixed assets22/27 | €961,842 | €942,298 | €915,979 | €899,363 | €883,769 | ▼ 1.7% |
| Land and buildings22 | €957,773 | €940,562 | €915,979 | €899,363 | €882,747 | ▼ 1.8% |
| Plant, machinery and equipment23 | €1,589 | €496 | - | - | €1,022 | - |
| Furniture and vehicles24 | €2,479 | €1,240 | - | - | - | - |
| Financial fixed assets28 | €150,075 | €146,075 | €146,075 | €146,075 | €146,075 | = |
| Current assets29/58 | €5.6m | €5.4m | €5.3m | €5.7m | €5.9m | ▲ 3.8% |
| Amounts receivable within one year40/41 | €31,870 | €43,084 | €16,311 | €5,504 | €10,708 | ▲ 94.5% |
| Trade receivables40 | €1,500 | €750 | €750 | €750 | €750 | = |
| Other amounts receivable41 | €30,370 | €42,334 | €15,561 | €4,754 | €9,958 | ▲ 109% |
| Current investments50/53 | €5.2m | €5.1m | €5.0m | €5.4m | €5.7m | ▲ 6.1% |
| Cash at bank and in hand54/58 | €403,148 | €245,055 | €250,669 | €275,858 | €162,696 | ▼ 41.0% |
| Deferred charges and accrued income490/1 | €5,968 | €6,032 | €7,650 | €7,955 | €5,819 | ▼ 26.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €6.8m | €6.5m | €6.4m | €6.8m | €7.0m | ▲ 3.0% |
| Equity10/15 | €4.0m | €3.8m | €3.8m | €4.1m | €4.4m | ▲ 7.0% |
| Contributions10/11 | €3.6m | €3.6m | €3.6m | €3.6m | €3.6m | = |
| Capital10 | €3.6m | €3.6m | €3.6m | €3.6m | €3.6m | = |
| Issued capital100 | €3.6m | €3.6m | €3.6m | €3.6m | €3.6m | = |
| Reserves13 | €284,555 | €281,765 | €278,975 | €293,186 | €305,396 | ▲ 4.2% |
| Non-distributable reserves130/1 | €138,000 | €138,000 | €138,000 | €155,000 | €170,000 | ▲ 9.7% |
| Legal reserve130 | €138,000 | €138,000 | €138,000 | €155,000 | €170,000 | ▲ 9.7% |
| Tax-exempt reserves132 | €56,721 | €53,932 | €51,142 | €48,353 | €45,563 | ▼ 5.8% |
| Distributable reserves133 | €89,833 | €89,833 | €89,833 | €89,833 | €89,833 | = |
| Profit (loss) carried forward14 | €163,955 | -€108,856 | -€117,991 | €204,190 | €477,342 | ▲ 134% |
| Provisions and deferred taxes16 | €29,207 | €27,771 | €26,334 | €24,898 | €23,461 | ▼ 5.8% |
| Deferred taxes168 | €29,207 | €27,771 | €26,334 | €24,898 | €23,461 | ▼ 5.8% |
| Amounts payable17/49 | €2.7m | €2.7m | €2.6m | €2.6m | €2.5m | ▼ 3.1% |
| Amounts payable after more than one year17 | €1.6m | €1.5m | €1.5m | €1.3m | €1.3m | ▼ 3.8% |
| Financial debts170/4 | €1.6m | €1.5m | €1.5m | €1.3m | €1.3m | ▼ 3.8% |
| Amounts payable within one year42/48 | €960,542 | €1.0m | €1.1m | €1.2m | €1.1m | ▼ 1.2% |
| Financial debts43 | €957,224 | €1.0m | €1.0m | €1.1m | €1.1m | ▲ 2.0% |
| Other loans439 | €957,224 | €1.0m | €1.0m | €1.1m | €1.1m | ▲ 2.0% |
| Trade debts44 | €1,443 | €4,392 | €2,184 | €1,904 | €166 | ▼ 91.3% |
| Suppliers440/4 | €1,443 | €4,392 | €2,184 | €1,904 | €166 | ▼ 91.3% |
| Taxes, remuneration and social security45 | - | - | - | €34,102 | €0 | ▼ 100% |
| Taxes450/3 | - | - | - | €34,102 | €0 | ▼ 100% |
| Other amounts payable47/48 | €1,875 | - | - | - | - | - |
| Accrued charges and deferred income492/3 | €95,530 | €134,636 | €91,979 | €130,059 | €114,540 | ▼ 11.9% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €663,473 | -€275,601 | -€11,924 | €336,391 | €285,363 | ▼ 15.2% |
| + Depreciation and write-downs630 | €20,330 | €19,543 | €18,352 | €16,616 | €17,127 | ▲ 3.1% |
| Operating cash flow (approximation) | €683,803 | -€256,057 | €6,428 | €353,007 | €302,490 | ▼ 14.3% |
| Investment in fixed assets (approximation) | - | €4,000 | €7,967 | €0 | -€1,533 | - |
| Change in cash | - | -€158,093 | €5,614 | €25,189 | -€113,162 | ▼ 549% |
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 2027, expected by
2026
23-06
NBB filing
Annual accounts filed
fiscal year 2026 · abbreviated schema
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
28-02
Financial
Back to profitnet €336,391
Net result €336,391 after 2 loss-making years.
2024
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
28-02
Financial
Weakest financial yearnet -€275,601
Net result drops to -€275,601, the lowest in the series; recovery starts the following year.
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
28-02
Financial
Back to profitnet €663,473
Net result €663,473 after one loss-making year.
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2020
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
29-02
Financial
Back to profitnet €41,147
Net result €41,147 after one loss-making year.
29-02
Financial
Liquidity triplescurrent ratio 6.21
Current ratio from 1.97 to 6.21; short-term debt falls from €2.6m to €791,397.
Show earlier events
29-02
Financial
Equity above €2mEq €3.5m ▲88.1%
Equity rises from €1.9m to €3.5m.
2019
13-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
04-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
16-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 10 acts read
About the unread acts
We know of 10 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
No directors read yet: 0 of 10 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Knokke-Heist · 1 establishment unit since 1982
Ground area
343 m²
Building footprint
190 m²
Volume, LiDAR
2,000 m³
Parcel 31013C0179/00B000, Flanders · tallest building 18.7 m, ±4 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
ABUFIN
since 19822.021.245.319
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31013C0179/00B000 | Flanders | 342 m² | 1 · 190 m² | 18.7 m · 4 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.
Structure & network
Owners and holdings
1 ownerChain of control
- DANFIN
- ABUFIN
Highest known parent: DANFIN. The sources do not say who stands above it.
Owners 1
- DANFINparent99.99%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Recognitions · licences · registrations
Legal Entity Identifier
5493009G0WOEO6SS6I26
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Company details
Identification
Legal formPublic limited company
Founded15-09-1982
Fiscal year end28-02
Activities, NACEBEL 2025
66199Other activities auxiliary to financial services, excluding insurance and pension funding
E-invoicing
Reachable via Peppol
Peppol ID
0208:0423100142
Also
9925:BE0423100142
Registered
02-02-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.