Apollo Finance
ActiveApollo Finance has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19k and a net result of €34k. Equity is growing by ~7.8% per year across the filed fiscal years. Its solvency ranks better than 18% of 31540 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability66▲+9
Solvency36▼-40
Growth58▲+6
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.09 against 1.68 in 2024; short-term debt: 63% and cash: 39.5% of total assets), and 88.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
11.4%
Return on assets
20.6%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 31540 sector peers (2025).
NBB · sector comparisonPosition among 31540 sector peers
Solvency
better than 18%
← 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 30-03-2026, 123 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
123 d early
2024
36 d early
2023
33 d early
2022
23 d early
2021
29 d early
2020
20 d early
2019
4 d early
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€19k▼ 77.8%
2024 · €84k
2018: €46k
2019: €55k
2020: €70k
2021: €64k
2022: €69k
2023: €73k
2024: €84k
2018 → 2025
Total assets
€163k▼ 0.3%
2024 · €163k
2018: €65k
2019: €70k
2020: €78k
2021: €87k
2022: €125k
2023: €141k
2024: €163k
2018 → 2025
Net result
€34k▲ 60.5%
2024 · €21k
2018: €23k
2019: €19k
2020: €30k
2021: €4k
2022: €15k
2023: €13k
2024: €21k
2018 → 2025
Working capital
€9k▼ 80.9%
2024 · €46k
2018: €35k
2019: €45k
2020: €60k
2021: €54k
2022: €47k
2023: €53k
2024: €46k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€64k-€69k▲ 8.3%€73k▲ 4.8%€84k▲ 15.0%€19k▼ 77.8%
Operating result€47k-€19k▼ 60.2%€47k▲ 152%€51k▲ 10.1%€80k▲ 54.8%
Net result€4k-€15k▲ 268%€13k▼ 13.0%€21k▲ 57.0%€34k▲ 60.5%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 55% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €163k
Fixed assets
€51k▲ 4.8%
Current assets
€112k▼ 2.4%
Equity and liabilities €163k
Equity
€19k▼ 77.8%
Debt
€144k▲ 80.9%
The debt ratio rises from 48.9% to 88.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€98k▲
2024 · €64k
Cash flow
€52k▲
2024 · €34k
Solvency
11.4%▼
2024 · 51.1%
Current ratio
1.09▼
2024 · 1.68
Quick ratio
1.09▼
2024 · 1.68
Debt / equity
7.77▲
2024 · 0.96
ROE
180.3%▲
2024 · 25.0%
ROA
20.6%▲
2024 · 12.8%
Interest coverage
2.58▼
2024 · 2.65
Debt
€144k▲
2024 · €80k
Debt ≤ 1 year
€103k▲
2024 · €68k
Debt > 1 year
€42k▲
2024 · €12k
Income taxes
€9k▲
2024 · €6k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€163k€163k▼
Fixed assets21/28€49k€51k▲
Intangible fixed assets21€13k€10k▼
Tangible fixed assets22/27€36k€41k▲
Furniture and vehicles24€32k€19k▼
Other tangible fixed assets26€4k€22k▲
Current assets29/58€114k€112k▼
Amounts receivable within one year40/41€48k€46k▼
Trade receivables40€45k€44k▼
Other amounts receivable41€3k€2k▼
Current investments50/53€48k€0▼
Cash at bank and in hand54/58€17k€64k▲
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€163k€163k▼
Equity10/15€84k€19k▼
Contributions10/11€19k€19k=
Reserves13€65k€0▼
Distributable reserves133€65k€0▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€80k€144k▲
Amounts payable after more than one year17€12k€42k▲
Financial debts170/4€12k€42k▲
Amounts payable within one year42/48€68k€103k▲
Current portion of amounts payable after more than one year42€10k€10k▲
Trade debts44€15k€3k▼
Suppliers440/4€15k€3k▼
Taxes, remuneration and social security45€9k€17k▲
Taxes450/3€9k€17k▲
Other amounts payable47/48€34k€73k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€18k▲
Other operating charges640/8€2k€1k▼
Non-recurring operating charges66A€526€0▼
Gross operating margin9900€67k€99k▲
Operating profit (loss)9901€51k€80k▲
Financial income75/76B€131€669▲
Recurring financial income75€131€669▲
Financial charges65/66B€24k€38k▲
Recurring financial charges65€24k€38k▲
Non-recurring financial charges66B€0-
Profit (loss) for the period before taxes9903€27k€42k▲
Income taxes67/77€6k€9k▲
Profit (loss) for the period9904€21k€34k▲
Profit (loss) for the period to be appropriated9905€21k€34k▲
Appropriation of the result
Profit (loss) to be appropriated9906€21k€34k▲
Transfer from equity791/2€10k€65k▲
Transfer to equity691/2€21k€0▼
To other reserves6921€21k€0▼
Profit to be distributed694/7€10k€99k▲
Return on contributions (dividend)694€10k€99k▲
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
11-08
State Gazette act
General meeting · Director appointment
Mandate compensation · Power of attorney
11-08
State Gazette act
General meeting · Dissolution
Liquidation · Net-asset statement
04-08
State Gazette act
General meeting · Director resignation
Director discharge · Power of attorney
02-07
State Gazette act
General meeting · Corporate purpose
Founding capital · Founder
30-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
27-03
State Gazette act
General meeting · Registered-office move
Power of attorney
2025
31-12
Financial
Highest result since 2018net €34k ▲60.5%
Operating result €80k, net result €34k, both a record.
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
08-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
02-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €4k ▼86.2%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
11-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity doublescurrent ratio 8.09
Current ratio from 3.96 to 8.09; short-term debt falls from €15k to €8k.
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
28-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 6 days late
2017
03-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 3 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Pajottegem · 1 establishment unit since 2016
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Stationsstraat 37D1570 PajottegemGround area
499 m²
Building footprint
101 m²
Volume, LiDAR
353 m³
Parcel 23023D0654/00K000, Flanders · tallest building 10.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Apollo Finance
since 20162.219.714.742
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23023D0654/00K000 | Flanders | 499 m² | 1 · 100 m² | 10.1 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 1,398 EUR awarded · 1,614 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 672 EUR | 672 EUR |
| 2024 | 1 | 282 EUR | 282 EUR |
| 2023 | 1 | 135 EUR | 351 EUR |
| 2022 | 1 | 309 EUR | 309 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
254900B8TZ081ZYOXR44
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Balen · Eq €19k
Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 29,789 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-04-2013
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.