Summary
Antoni & Halpouter is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €9,034 and a net result of -€14,651. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 3320 sector peers (fiscal year 2024). The company has been active since 2009 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
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 3320 sector peers (2024).
NBB · sector comparisonPosition among 3320 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 02-06-2025, 59 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
59 d early
2023
36 d early
2022
34 d early
2021
45 d early
2020
31 d late
2019
20 d late
← 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 21 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€9,034▼ 61.9%
2023 · €23,686
Net result
-€14,651
2023 · €17,039
Total assets
€347,667▼ 9.3%
2023 · €383,394
Solvency
2.6%▼ 3.6pp
2023 · 6.2%
Trend over the years
Click a name to add, emphasise or remove a line.Band: 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.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€19,871€3,600▼ 81.9%€17,092▲ 375%€37,230▲ 118%-€2,220
Net result€4,704within the sector's middle half-€10,817below the sector's middle half€2,041below the sector's middle half€17,039within the sector's middle half▲ 735%-€14,651below the sector's middle half
Equity€15,422below the sector's middle half▲ 43.9%€4,605below the sector's middle half▼ 70.1%€6,647below the sector's middle half▲ 44.3%€23,686below the sector's middle half▲ 256%€9,034below the sector's middle half▼ 61.9%
Total assets€436,439within the sector's middle half▼ 5.2%€449,013within the sector's middle half▲ 2.9%€385,699within the sector's middle half▼ 14.1%€383,394within the sector's middle half▼ 0.6%€347,667within the sector's middle half▼ 9.3%
Debt€421,017▼ 6.4%€444,408▲ 5.6%€379,052▼ 14.7%€359,709▼ 5.1%€338,633▼ 5.9%
Working capital-€51,444▲ 14.8%-€57,972▼ 12.7%-€63,337▼ 9.3%-€40,783▲ 35.6%-€65,364▼ 60.3%
Solvency3.5%below the sector's middle half▲ 1.2pp1.0%below the sector's middle half▼ 2.5pp1.7%below the sector's middle half▲ 0.7pp6.2%below the sector's middle half▲ 4.5pp2.6%below the sector's middle half▼ 3.6pp
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.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €2,220 after €37,230 in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €347,667
Fixed assets
€326,728 ▲ 1.8%
Current assets
€20,939 ▼ 66.4%
Equity and liabilities €347,667
Equity
€9,034 ▼ 61.9%
Debt
€338,633 ▼ 5.9%
Debt's share of the balance-sheet total rises from 93.8% to 97.4%. Equity and debt are lower.
Key figures and ratios
ROE
-162.2%▼
2023 · 71.9%
ROA
-4.2%▼
2023 · 4.4%
Debt ≤ 1 year
€86,302▼
2023 · €103,177
Debt > 1 year
€252,331▼
2023 · €256,532
Income taxes
€2,777▼
2023 · €11,769
Staff costs
€70,868▲
2023 · €35,235
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €1,496 | €1,968 | ▲ 31.5% |
| Remuneration, social security and pensions62 | - | €20,407 | €26,831 | €35,235 | €70,868 | ▲ 101% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €57,266 | €61,763 | €64,066 | €69,745 | €83,049 | ▲ 19.1% |
| Other operating charges640/8 | - | €15,485 | €6,761 | €2,173 | €8,513 | ▲ 292% |
| Non-recurring operating charges66A | - | €2,000 | €1,321 | €256 | €0 | ▼ 100% |
| Gross operating margin9900 | €91,989 | €103,255 | €116,072 | €144,640 | €160,210 | ▲ 10.8% |
| Operating profit (loss)9901 | €19,871 | €3,600 | €17,092 | €37,230 | -€2,220 | ▼ 106% |
| Financial income75/76B | - | €36 | €0 | €55 | €23 | ▼ 58.0% |
| Recurring financial income75 | €50 | €36 | €0 | €55 | €23 | ▼ 58.0% |
| Financial charges65/66B | - | €13,689 | €9,253 | €8,478 | €9,677 | ▲ 14.1% |
| Recurring financial charges65 | €11,712 | €13,689 | €9,253 | €8,478 | €9,677 | ▲ 14.1% |
| Profit (loss) for the period before taxes9903 | €8,209 | -€10,052 | €7,839 | €28,807 | -€11,875 | ▼ 141% |
| Income taxes67/77 | €3,505 | €765 | €5,798 | €11,769 | €2,777 | ▼ 76.4% |
| Profit (loss) for the period9904 | €4,704 | -€10,817 | €2,041 | €17,039 | -€14,651 | ▼ 186% |
| Profit (loss) for the period to be appropriated9905 | €4,704 | -€10,817 | €2,041 | €17,039 | -€14,651 | ▼ 186% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €436,439 | €449,013 | €385,699 | €383,394 | €347,667 | ▼ 9.3% |
| Fixed assets21/28 | €407,939 | €409,084 | €365,961 | €321,000 | €326,728 | ▲ 1.8% |
| Intangible fixed assets21 | €127,835 | €94,798 | €66,720 | €34,548 | €2,379 | ▼ 93.1% |
| Tangible fixed assets22/27 | €280,105 | €314,286 | €299,241 | €286,452 | €324,349 | ▲ 13.2% |
| Land and buildings22 | - | €191,952 | €191,952 | €180,219 | €177,081 | ▼ 1.7% |
| Plant, machinery and equipment23 | - | €16,793 | €9,278 | €44,700 | €36,084 | ▼ 19.3% |
| Furniture and vehicles24 | - | €105,541 | €98,011 | €61,533 | €111,185 | ▲ 80.7% |
| Other tangible fixed assets26 | - | €0 | - | - | - | - |
| Current assets29/58 | €28,500 | €39,929 | €19,738 | €62,394 | €20,939 | ▼ 66.4% |
| Amounts receivable within one year40/41 | €0 | €761 | - | €8,500 | €7,601 | ▼ 10.6% |
| Trade receivables40 | - | €761 | - | - | €1,801 | - |
| Other amounts receivable41 | - | - | - | €8,500 | €5,800 | ▼ 31.8% |
| Cash at bank and in hand54/58 | €6,273 | €17,468 | €6,312 | €37,132 | €3,656 | ▼ 90.2% |
| Deferred charges and accrued income490/1 | - | €21,700 | €13,426 | €16,762 | €9,683 | ▼ 42.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €436,439 | €449,013 | €385,699 | €383,394 | €347,667 | ▼ 9.3% |
| Equity10/15 | €15,422 | €4,605 | €6,647 | €23,686 | €9,034 | ▼ 61.9% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | -€5,038 | -€15,855 | -€13,813 | €3,226 | -€11,426 | ▼ 454% |
| Amounts payable17/49 | €421,017 | €444,408 | €379,052 | €359,709 | €338,633 | ▼ 5.9% |
| Amounts payable after more than one year17 | €341,073 | €346,507 | €295,176 | €256,532 | €252,331 | ▼ 1.6% |
| Financial debts170/4 | - | €346,507 | €295,176 | €256,532 | €252,331 | ▼ 1.6% |
| Amounts payable within one year42/48 | €79,944 | €97,901 | €83,075 | €103,177 | €86,302 | ▼ 16.4% |
| Current portion of amounts payable after more than one year42 | - | €59,439 | €55,785 | €62,426 | €60,457 | ▼ 3.2% |
| Trade debts44 | €5,460 | €10,485 | €8,924 | €12,400 | €6,249 | ▼ 49.6% |
| Suppliers440/4 | - | €10,485 | €8,924 | €12,400 | €6,249 | ▼ 49.6% |
| Taxes, remuneration and social security45 | - | €9,523 | €16,043 | €23,988 | €13,702 | ▼ 42.9% |
| Taxes450/3 | - | €6,837 | €13,363 | €20,800 | €13,702 | ▼ 34.1% |
| Remuneration and social security454/9 | - | €2,686 | €2,681 | €3,188 | €0 | ▼ 100% |
| Other amounts payable47/48 | - | €18,453 | €2,323 | €4,363 | €5,894 | ▲ 35.1% |
| Accrued charges and deferred income492/3 | - | - | €801 | €0 | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €4,704 | -€10,817 | €2,041 | €17,039 | -€14,651 | ▼ 186% |
| + Depreciation and write-downs630 | €57,266 | €61,763 | €64,066 | €69,745 | €83,049 | ▲ 19.1% |
| Operating cash flow (approximation) | €61,970 | €50,946 | €66,107 | €86,784 | €68,398 | ▼ 21.2% |
| Investment in fixed assets (approximation) | - | -€62,908 | -€20,942 | -€24,785 | -€88,777 | ▼ 258% |
| Change in cash | - | €11,195 | -€11,155 | €30,820 | -€33,476 | ▼ 209% |
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
2025
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet -€14,651
Net result drops to -€14,651, the lowest in the series.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €17,039 ▲735%
Operating result €37,230, net result €17,039, both a record.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €2,041
Net result €2,041 after one loss-making year.
16-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €4,704
Net result €4,704 after one loss-making year.
20-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 20 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
29-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
2016
23-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 54 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Waterloo · 1 establishment unit since 2009
Ground area
957 m²
Building footprint
165 m²
Volume, LiDAR
1,105 m³
Parcel 25764O0282/00B000, Wallonia · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
ANTONI & HALPOUTER ASSURANCES
since 20092.213.172.091
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25764O0282/00B000 | Wallonia | 957 m² | 1 · 165 m² | 8.4 m · 2 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.
Recognitions · licences · registrations
Legal Entity Identifier
984500FE42BD8E407711
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Of 4,673 companies in sector 66220 we hold annual accounts for 3,220. 946 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
Founded29-06-2009
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
Contact
E-invoicing
Reachable via Peppol
Peppol ID
0208:0816574803
Also
9925:BE0816574803
Registered
03-09-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.