ActuarialFocus
ActiveSummary
ActuarialFocus has been active since 2020 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €248,907 and a net result of €172,330. Equity grew by about 14% per year on average since 2020. In 2025 it fell by 67.9%. Its solvency ranks better than 31% of 9,675 sector peers (NACE 82, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 11-03-2020 Normal situation
- Activity
- Other business support services NACE 82990and 4 others
- Establishment unit
- 2.300.878.602 1060 Sint-Gillis (bij-Brussel), since 07-04-2020
- Financial year end
- 31 December
- Peppol
- Reachable since 31-12-2025
Financial position
- Bankruptcy probabilitywithin 12 months
- < 0.1%
- Gross margin
- €226,584
- ▲ 14.0%
- Turnover
- ≈ €340,000
- estimated
- Profit
- €172,330
- ▲ 20.9%
- Equity
- €248,907
- ▼ 67.9%
- Total assets
- €972,506
- ▲ 22.1%
- Staff
- ≈ 0.1 FTE
- estimated
Score breakdownlowers riskSize: total assets €972,506Sector: Office administrative, office support and other business support activities (NACE 82)Figures for financial year 2025 (filed on 28-07-2026)Liquidity: current ratio 1.34, cash €222,107Show the evidence
Checked score
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 82, micro). It does better than 32% of them on solvency, 23% on liquidity, 65% on profitability and 9% on growth.
The bankruptcy probability was computed on 04-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 6 accounts on average 1 day after the deadline. In the sector (NACE 82), the median for financial year 2024 was 7 days before the deadline, and 35% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 28-07-2026 at the NBB all 6 filings
Every figure per financial year
The operating result for 2025 is 16% higher than in 2024. It is a recovery after the fall in 2024.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Investments
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Tangible fixed assets | - | €989 | €878 | - | - |
| Depreciation and write-downs of the year | €7,548 | €7,698 | €7,851 | €7,574 | €4,650 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €2,510 | €2,227 | €2,322 | €2,170 | €2,290 | ▲ 5.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,341 | €7,548 | €7,698 | €7,851 | €7,574 | €4,650 | ▼ 38.6% |
| Other operating charges640/8 | - | €638 | €486 | €775 | €1,913 | €3,276 | ▲ 71.3% |
| Gross operating margin9900 | €159,235 | €209,419 | €250,902 | €241,285 | €198,676 | €226,584 | ▲ 14.0% |
| Operating profit (loss)9901 | €152,530 | €198,723 | €240,491 | €230,337 | €187,019 | €216,368 | ▲ 15.7% |
| Financial income75/76B | - | - | - | - | €3,579 | €9,130 | ▲ 155% |
| Recurring financial income75 | - | - | - | - | €3,579 | €9,130 | ▲ 155% |
| Financial charges65/66B | - | €464 | €129 | €46 | €46 | €168 | ▲ 263% |
| Recurring financial charges65 | €92 | €464 | €129 | €46 | €46 | €168 | ▲ 263% |
| Profit (loss) for the period before taxes9903 | €152,438 | €198,259 | €240,363 | €230,290 | €190,551 | €225,330 | ▲ 18.3% |
| Income taxes67/77 | €34,443 | €46,412 | €35,000 | €79,969 | €48,000 | €53,000 | ▲ 10.4% |
| Profit (loss) for the period9904 | €117,994 | €151,847 | €205,363 | €150,322 | €142,551 | €172,330 | ▲ 20.9% |
| Profit (loss) for the period to be appropriated9905 | €117,994 | €151,847 | €205,363 | €150,322 | €142,551 | €172,330 | ▲ 20.9% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|
| Assets | |||||||
| Total assets20/58 | €177,556 | €321,412 | €504,528 | €676,388 | €796,406 | €972,506 | ▲ 22.1% |
| Formation expenses20 | €180 | - | - | - | - | - | - |
| Fixed assets21/28 | €33,274 | €25,906 | €19,197 | €12,224 | €4,650 | - | - |
| Tangible fixed assets22/27 | €33,274 | €25,906 | €19,197 | €12,224 | €4,650 | - | - |
| Furniture and vehicles24 | - | €25,906 | €19,197 | €12,224 | €4,650 | - | - |
| Current assets29/58 | €144,101 | €295,505 | €485,331 | €664,164 | €791,756 | €972,506 | ▲ 22.8% |
| Amounts receivable within one year40/41 | €34,294 | €5,557 | - | - | - | €399 | - |
| Trade receivables40 | - | - | - | - | - | €399 | - |
| Other amounts receivable41 | - | €5,557 | - | - | - | - | - |
| Current investments50/53 | - | - | - | - | €500,000 | €750,000 | ▲ 50.0% |
| Cash at bank and in hand54/58 | €108,752 | €288,881 | €484,029 | €662,736 | €291,756 | €222,107 | ▼ 23.9% |
| Deferred charges and accrued income490/1 | - | €1,068 | €1,302 | €1,428 | - | - | - |
| Equity and liabilities | |||||||
| Total equity and liabilities10/49 | €177,556 | €321,412 | €504,528 | €676,388 | €796,406 | €972,506 | ▲ 22.1% |
| Equity10/15 | €126,494 | €278,342 | €483,704 | €634,026 | €776,577 | €248,907 | ▼ 67.9% |
| Contributions10/11 | €8,500 | €8,500 | €8,500 | €8,500 | €8,500 | €8,500 | = |
| Profit (loss) carried forward14 | €117,994 | €269,842 | €475,204 | €625,526 | €768,077 | €240,407 | ▼ 68.7% |
| Amounts payable17/49 | €51,061 | €43,070 | €20,824 | €42,362 | €19,828 | €723,599 | ▲ 36× |
| Amounts payable within one year42/48 | €51,061 | €43,070 | €20,824 | €42,362 | €19,828 | €723,599 | ▲ 36× |
| Trade debts44 | €765 | €228 | - | - | €295 | €685 | ▲ 132% |
| Suppliers440/4 | - | €228 | - | - | €295 | €685 | ▲ 132% |
| Taxes, remuneration and social security45 | - | €29,662 | €19,625 | €40,191 | €17,362 | €18,012 | ▲ 3.7% |
| Taxes450/3 | - | €29,662 | €19,625 | €40,191 | €17,362 | €18,012 | ▲ 3.7% |
| Other amounts payable47/48 | - | €13,180 | €1,199 | €2,171 | €2,171 | €704,902 | ▲ 325× |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €117,994 | €151,847 | €205,363 | €150,322 | €142,551 | €172,330 | ▲ 20.9% |
| + Depreciation and write-downs630 | €3,341 | €7,548 | €7,698 | €7,851 | €7,574 | €4,650 | ▼ 38.6% |
| Operating cash flow (approximation) | €121,336 | €159,395 | €213,060 | €158,173 | €150,125 | €176,979 | ▲ 17.9% |
| Investment in fixed assets (approximation) | - | -€180 | -€989 | -€878 | €0 | - | - |
| Change in cash | - | €180,129 | €195,148 | €178,707 | -€370,980 | -€69,649 | ▲ 81.2% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 2,684 companies had the same profile as ActuarialFocus has now. Two years later, 97.3% were still going and 1.3% had gone bankrupt.
- Small
- 5 to 10 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of ActuarialFocus itself is lower: < 0.1% within 12 months. It rests on far more data about ActuarialFocus than the profile alone.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,684 companies, not a prediction for ActuarialFocus. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Filings with the National Bank (6)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 28-07-2026 | 2026-00340027 | |
| 31-12-2024 | micro format | 28-08-2025 | 2025-00419816 | |
| 31-12-2023 | micro format | 28-08-2024 | 2024-00395305 | |
| 31-12-2022 | micro format | 31-08-2023 | 2023-00420704 | |
| 31-12-2021 | micro format | 16-06-2022 | 2022-20071730 | |
| 31-12-2020 | micro format | 29-06-2021 | 2021-27500264 |
Board & ownership
Directors
Owners and capital
Owners
Network & group
ActuarialFocus shares no director with another company.
Companies at the same address
4 other companies- Citizens Pro Europe Registered office · since 25-02-2020Founded in 2020 0744.411.157
- DERVAL AVOCATS Registered office · since 18-02-2020Founded in 2020 · total assets €242,678 (2025) 0743.817.774
- Alvisi, Sacha (sole trader) Establishment · since 08-10-2018Founded in 2018 0707.919.262
- Association des copropriétaires à Saint-Gilles, rue de Monténégro, 3 Registered office · since 28-09-2007Founded in 2007 0892.402.770
Connections & network
1 current directorThe network starts from the directors of ActuarialFocus. Every other company they run is a node.
Timeline
Deeds, filings and financial milestones
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 21562A0291/00A006 | Brussels | 116 m² | 1 · 73 m² | 20.5 m · 6 |