Financials
- Financial year
- 2025
- Total assets
- €244,680
- Profit
- €30,192
- Solvency
- 8.6%
Total assets▼ 38.6%
Net result
20202025
Summary
ACID Finance 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 €21,038 and a net result of €30,192. Equity is growing by about 49% per year across the filed financial years. Its solvency ranks better than 16% of 2,986 sector peers (NACE 66, financial year 2025). The company has been active since 2019 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Insurance agents and brokers
NACE 66220Agents and brokers in banking services NACE 66191
1 site
Size
€244,680total assets 2025
- Staff
- 6.5 FTE
- Equity
- €21,038
- Profit
- €30,192
Turnover not published (micro format)
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
Structure
- Largest shareholder
- CHELSEA FINANCE · 25%
- KamelisDirector · permanent representative Steven AERTS
Accounts 80 days early1 of 3 deeds read
Signalsraises riskWeak solvency vs sectorneutralLatest accounts filed on timeShow the evidence
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.
Bankruptcy probability, 12 months
This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.
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Signals
Two signals.
raises riskneutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 2986 sector peers (2025).
NBB · sector comparisonPosition among 2986 sector peers
Solvency
better than 16%
← weakest
strongest →
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 12-05-2026, 80 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
80 days early
2024
23 days early
2023
20 days early
2022
24 days early
2021
23 days early
2020
38 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 35 days before the deadline; the sector median (NACE 66) for financial year 2024 is 5 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 8 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
15-10-2026 today31-12-2026 year end31-07-2027 deadline
- Resignations: ID FINANCE (statutory director) and…Permanent representatives: Isabelle SERNEELS, Steven…
- Annual accounts filedfinancial year 2025 · micro…
- Annual accounts filedfinancial year 2024 · micro…
Key points
- Caution: Board changedlatest change 01-07-2026 · 1 in office 1 joined · 2 left View
- Caution: Among the weakest 17% on solvencysector median 50.1% · 2,986 companies 8.6% View
- Positive: Always filed on timeaccounts within the deadline every year 6 years View
- Positive: 5 profitable years in a rowprofit 2025: €30,192 5 years View
By topic
Board & ownership
- Board
- 1 member
- Largest shareholder
- CHELSEA FINANCE · 25%
- KamelisDirector
Timeline
- Events
- 9
- Since
- 2021
- Next accounts
- by 31-07-2027
- 31-12-2024Highest result from 2020 to 2025
- 11-07-2024Annual accounts filed
- 07-07-2023Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Insurance agents and brokersNACE 66220
- Founded
- 31-01-2019
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Articles of association
- Provisions read
- 1
See the provisions in the deeds
Go to Articles of associationGo further with this company
How much credit can you give this customer, and on what payment terms?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What support did similar companies receive that this one did not?Subsidies What changed in the latest annual accounts?What changed
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