Summary
Alcudia 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 €233k and a net result of €143k. Equity is growing by ~25.3% per year across the filed fiscal years. Its solvency ranks better than 49% of 2444 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit check for your own amount and term
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 09-06-2026, 52 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
52 d early
2024
8 d late
2023
30 d late
2022
24 d late
2021
30 d late
2020
31 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€233k▼ 23.0%
2024 · €302k
2020: €75klowest in 6 years
2021: €126k▲ +67.8% vs 2020
2022: €252k▲ +99.1% vs 2021
2023: €278k▲ +10.6% vs 2022
2024: €302k▲ +8.7% vs 2023highest in 6 years
2025: €233k▼ -23.0% vs 2024
2020 → 2025
Net result
€143k▼ 24.6%
2024 · €189k
2020: €115k
2021: €96k▼ -16.7% vs 2020lowest in 6 years
2022: €170k▲ +77.2% vs 2021
2023: €272k▲ +59.5% vs 2022highest in 6 years
2024: €189k▼ -30.4% vs 2023
2025: €143k▼ -24.6% vs 2024
2020 → 2025
Total assets
€474k▼ 22.6%
2024 · €613k
2020: €140klowest in 6 years
2021: €259k▲ +84.8% vs 2020
2022: €411k▲ +58.7% vs 2021
2023: €731k▲ +78.0% vs 2022highest in 6 years
2024: €613k▼ -16.1% vs 2023
2025: €474k▼ -22.6% vs 2024
2020 → 2025
Solvency
49.1%▼ 0.2pp
2024 · 49.3%
2020: 53.8%
2021: 48.9%▼ -9.2% vs 2020
2022: 61.3%▲ +25.5% vs 2021highest in 6 years
2023: 38.1%▼ -37.9% vs 2022lowest in 6 years
2024: 49.3%▲ +29.5% vs 2023
2025: 49.1%▼ -0.5% vs 2024
2020 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€126k-€252k▲ 99.1%€278k▲ 10.6%€302k▲ 8.7%€233k▼ 23.0%
2021: €126klowest in 5 years
2022: €252k▲ +99.1% vs 2021
2023: €278k▲ +10.6% vs 2022
2024: €302k▲ +8.7% vs 2023highest in 5 years
2025: €233k▼ -23.0% vs 2024
Operating result€110k-€217k▲ 97.2%€339k▲ 56.4%€221k▼ 35.0%€162k▼ 26.6%
2021: €110klowest in 5 years
2022: €217k▲ +97.2% vs 2021
2023: €339k▲ +56.4% vs 2022highest in 5 years
2024: €221k▼ -35.0% vs 2023
2025: €162k▼ -26.6% vs 2024
Net result€96k-€170k▲ 77.2%€272k▲ 59.5%€189k▼ 30.4%€143k▼ 24.6%
2021: €96klowest in 5 years
2022: €170k▲ +77.2% vs 2021
2023: €272k▲ +59.5% vs 2022highest in 5 years
2024: €189k▼ -30.4% vs 2023
2025: €143k▼ -24.6% vs 2024
Turnover and EBIT margin not published: the 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 27% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €474k
Fixed assets
€4k ▼ 11.5%
Current assets
€471k ▼ 22.7%
Equity and liabilities €474k
Equity
€233k ▼ 23.0%
Debt
€242k ▼ 22.3%
Debt's share of the balance-sheet total rises from 50.7% to 50.9%. Equity and debt are lower.
Key figures and ratios
ROE
61.2%▼
2024 · 62.5%
ROA
30.0%▼
2024 · 30.8%
Debt ≤ 1 year
€242k▼
2024 · €311k
Income taxes
€30k▼
2024 · €49k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€613k€474k▼
Fixed assets21/28€4k€4k▼
Tangible fixed assets22/27€4k€4k▼
Furniture and vehicles24€4k€3k▼
Other tangible fixed assets26€579€506▼
Current assets29/58€609k€471k▼
Amounts receivable after more than one year29€320k€298k▼
Other amounts receivable291€320k€298k▼
Amounts receivable within one year40/41€181k€58k▼
Trade receivables40€91k€40k▼
Other amounts receivable41€89k€17k▼
Cash at bank and in hand54/58€105k€112k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€613k€474k▼
Equity10/15€302k€233k▼
Contributions10/11€5k€5k=
Reserves13€297k€228k▼
Distributable reserves133€297k€228k▼
Amounts payable17/49€311k€242k▼
Amounts payable within one year42/48€311k€242k▼
Trade debts44€15k€15k▼
Suppliers440/4€15k€15k▼
Taxes, remuneration and social security45€130k€82k▼
Taxes450/3€130k€82k▼
Other amounts payable47/48€165k€145k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€223k€165k▼
Operating profit (loss)9901€221k€162k▼
Financial income75/76B€18k€13k▼
Recurring financial income75€18k€13k▼
Financial charges65/66B€829€2k▲
Recurring financial charges65€829€2k▲
Profit (loss) for the period before taxes9903€238k€173k▼
Income taxes67/77€49k€30k▼
Profit (loss) for the period9904€189k€143k▼
Profit (loss) for the period to be appropriated9905€189k€143k▼
Appropriation of the result
Profit (loss) to be appropriated9906€189k€143k▼
Transfer from equity791/2-€69k
Transfer to equity691/2€24k-
To other reserves6921€24k-
Profit to be distributed694/7€165k€212k▲
Return on contributions (dividend)694€120k€167k▲
Directors or managers695€45k€45k=
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €242 | €1k | €1k | €1k | ▲ 2.4% |
| Other operating charges640/8 | €438 | €621 | €807 | €1k | €2k | ▲ 48.0% |
| Gross operating margin9900 | €110k | €218k | €342k | €223k | €165k | ▼ 26.0% |
| Operating profit (loss)9901 | €110k | €217k | €339k | €221k | €162k | ▼ 26.6% |
| Financial income75/76B | €27 | €8k | €11k | €18k | €13k | ▼ 26.8% |
| Recurring financial income75 | €27 | €8k | €11k | €18k | €13k | ▼ 26.8% |
| Financial charges65/66B | €20 | €15k | €1k | €829 | €2k | ▲ 187% |
| Recurring financial charges65 | €20 | €15k | €1k | €829 | €2k | ▲ 187% |
| Profit (loss) for the period before taxes9903 | €110k | €210k | €349k | €238k | €173k | ▼ 27.3% |
| Income taxes67/77 | €14k | €40k | €78k | €49k | €30k | ▼ 37.8% |
| Profit (loss) for the period9904 | €96k | €170k | €272k | €189k | €143k | ▼ 24.6% |
| Profit (loss) for the period to be appropriated9905 | €96k | €170k | €272k | €189k | €143k | ▼ 24.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €259k | €411k | €731k | €613k | €474k | ▼ 22.6% |
| Fixed assets21/28 | - | €6k | €6k | €4k | €4k | ▼ 11.5% |
| Tangible fixed assets22/27 | - | €6k | €6k | €4k | €4k | ▼ 11.5% |
| Furniture and vehicles24 | - | €6k | €5k | €4k | €3k | ▼ 11.3% |
| Other tangible fixed assets26 | - | €725 | €652 | €579 | €506 | ▼ 12.6% |
| Current assets29/58 | €259k | €404k | €725k | €609k | €471k | ▼ 22.7% |
| Amounts receivable after more than one year29 | - | €320k | €320k | €320k | €298k | ▼ 6.9% |
| Other amounts receivable291 | - | €320k | €320k | €320k | €298k | ▼ 6.9% |
| Amounts receivable within one year40/41 | €233k | €47k | €330k | €181k | €58k | ▼ 68.0% |
| Trade receivables40 | €227k | €47k | €231k | €91k | €40k | ▼ 55.8% |
| Other amounts receivable41 | €6k | - | €99k | €89k | €17k | ▼ 80.5% |
| Cash at bank and in hand54/58 | €26k | €36k | €73k | €105k | €112k | ▲ 6.1% |
| Deferred charges and accrued income490/1 | - | €2k | €2k | €3k | €3k | ▲ 6.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €259k | €411k | €731k | €613k | €474k | ▼ 22.6% |
| Equity10/15 | €126k | €252k | €278k | €302k | €233k | ▼ 23.0% |
| Contributions10/11 | €5k | €5k | €5k | €5k | €5k | = |
| Reserves13 | €121k | €247k | €273k | €297k | €228k | ▼ 23.3% |
| Distributable reserves133 | €121k | €247k | €273k | €297k | €228k | ▼ 23.3% |
| Amounts payable17/49 | €132k | €159k | €453k | €311k | €242k | ▼ 22.3% |
| Amounts payable within one year42/48 | €132k | €159k | €453k | €311k | €242k | ▼ 22.3% |
| Trade debts44 | €290 | €6k | €80k | €15k | €15k | ▼ 3.1% |
| Suppliers440/4 | €290 | €6k | €80k | €15k | €15k | ▼ 3.1% |
| Taxes, remuneration and social security45 | €52k | €71k | €127k | €130k | €82k | ▼ 37.3% |
| Taxes450/3 | €51k | €71k | €127k | €130k | €82k | ▼ 37.3% |
| Remuneration and social security454/9 | €348 | - | - | - | - | - |
| Other amounts payable47/48 | €81k | €82k | €245k | €165k | €145k | ▼ 12.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €96k | €170k | €272k | €189k | €143k | ▼ 24.6% |
| + Depreciation and write-downs630 | - | €242 | €1k | €1k | €1k | ▲ 2.4% |
| Operating cash flow (approximation) | €96k | €171k | €273k | €191k | €144k | ▼ 24.4% |
| Investment in fixed assets (approximation) | - | - | €-926 | €0 | €-956 | - |
| Change in cash | - | €10k | €37k | €32k | €6k | ▼ 80.2% |
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
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
08-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 8 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Highest result since 2020net €272k ▲59.5%
Operating result €339k, net result €272k, both a record.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
31-12
Financial
Equity above €200kEq €252k ▲99.1%
3 profitable years in a row build equity to €252k.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Weakest financial yearnet €96k ▼16.7%
Net result drops to €96k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €126k ▲67.8%
2 profitable years in a row build equity to €126k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Ukkel · 1 establishment unit since 2020
Ground area
3,984 m²
Building footprint
511 m²
Volume, LiDAR
6,135 m³
2 parcels, Brussels · tallest building 20.4 m, ±5 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Alcudia
since 20202.311.579.383
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21612C0056/02N089 | Brussels | 2,482 m² | 1 · 304 m² | 20.4 m · 5 fl. |
| 21614H0055/00V065 | Brussels | 1,503 m² | 1 · 207 m² | 9.9 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
984500B957CF06774054
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Of 1,507 companies in sector 66199 we hold annual accounts for 917. 636 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
Founded28-12-2020
Fiscal year end31-12
Activities, NACEBEL 2025
66199Other activities auxiliary to financial services, excluding insurance and pension funding
70200Business and other management consultancy
73300Public relations and communication consultancy
Scores and ratios are computed by Checked and are not a credit decision.