Summary
ASIBA 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 €133,671 and a net result of -€4,138. Equity is growing by ~52.9% per year across the filed fiscal years. Its solvency ranks better than 13% of 6155 sector peers (fiscal year 2024). The company has been active since 2001 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 13% of 6155 sector peers (2024).
NBB · sector comparisonPosition among 6155 sector peers
Solvency
better than 13%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-09-2025, 57 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
57 d late
2023
68 d late
2022
99 d late
2021
113 d late
2020
108 d late
2019
122 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 95 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, abbreviated schema
Equity
€133,671▼ 3.0%
2023 · €137,809
Net result
-€4,138
2023 · €64,994
Total assets
€1.2m▼ 7.3%
2023 · €1.3m
Solvency
11.2%▲ 0.5pp
2023 · 10.7%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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€26,606▼ 66.6%€52,835▲ 98.6%€24,729▼ 53.2%€77,460▲ 213%€9,269▼ 88.0%
Net result€13,426within the sector's middle half▼ 79.8%€40,796within the sector's middle half▲ 204%€13,602within the sector's middle half▼ 66.7%€64,994within the sector's middle half▲ 378%-€4,138below the sector's middle half
Equity€18,417below the sector's middle half▲ 269%€59,213below the sector's middle half▲ 222%€72,815below the sector's middle half▲ 23.0%€137,809below the sector's middle half▲ 89.3%€133,671below the sector's middle half▼ 3.0%
Total assets€951,174within the sector's middle half▲ 9.5%€914,613within the sector's middle half▼ 3.8%€872,610within the sector's middle half▼ 4.6%€1.3mwithin the sector's middle half▲ 47.3%€1.2mwithin the sector's middle half▼ 7.3%
Debt€932,757▲ 8.0%€855,400▼ 8.3%€799,795▼ 6.5%€1.1m▲ 43.4%€1.1m▼ 7.9%
Working capital-€359,964▲ 10.4%-€397,078▼ 10.3%-€42,775▲ 89.2%€192,361€167,079▼ 13.1%
Solvency1.9%below the sector's middle half▲ 1.4pp6.5%below the sector's middle half▲ 4.5pp8.3%below the sector's middle half▲ 1.9pp10.7%below the sector's middle half▲ 2.4pp11.2%below the sector's middle half▲ 0.5pp
Staff (FTE)0within the sector's middle half0within the sector's middle half
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 88% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.2m
Fixed assets
€922,871 ▼ 6.0%
Current assets
€267,875 ▼ 11.8%
Equity and liabilities €1.2m
Equity
€133,671 ▼ 3.0%
Debt
€1.1m ▼ 7.9%
Debt's share of the balance-sheet total falls from 89.3% to 88.8%. Equity and debt are lower.
Key figures and ratios
ROE
-3.1%▼
2023 · 47.2%
ROA
-0.3%▼
2023 · 5.1%
Debt ≤ 1 year
€100,796▼
2023 · €111,281
Debt > 1 year
€945,585▼
2023 · €1.0m
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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €16,475 | €17,393 | €34,404 | €78,941 | €63,929 | ▼ 19.0% |
| Other operating charges640/8 | - | €10,496 | €10,585 | €12,119 | €10,905 | ▼ 10.0% |
| Gross operating margin9900 | €53,582 | €80,724 | €69,718 | €168,520 | €84,104 | ▼ 50.1% |
| Operating profit (loss)9901 | €26,606 | €52,835 | €24,729 | €77,460 | €9,269 | ▼ 88.0% |
| Financial income75/76B | - | €13 | €7 | €1,139 | €6,027 | ▲ 429% |
| Recurring financial income75 | €1 | €13 | €7 | €1,139 | €6,027 | ▲ 429% |
| Financial charges65/66B | - | €12,052 | €11,134 | €13,604 | €19,435 | ▲ 42.9% |
| Recurring financial charges65 | €13,181 | €12,052 | €11,134 | €13,604 | €19,435 | ▲ 42.9% |
| Profit (loss) for the period before taxes9903 | €13,426 | €40,796 | €13,602 | €64,994 | -€4,138 | ▼ 106% |
| Income taxes67/77 | - | - | €0 | €0 | - | - |
| Profit (loss) for the period9904 | €13,426 | €40,796 | €13,602 | €64,994 | -€4,138 | ▼ 106% |
| Profit (loss) for the period to be appropriated9905 | €13,426 | €40,796 | €13,602 | €64,994 | -€4,138 | ▼ 106% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €951,174 | €914,613 | €872,610 | €1.3m | €1.2m | ▼ 7.3% |
| Fixed assets21/28 | €836,948 | €835,932 | €802,905 | €981,423 | €922,871 | ▼ 6.0% |
| Tangible fixed assets22/27 | €836,948 | €835,932 | €802,905 | €981,423 | €922,871 | ▼ 6.0% |
| Land and buildings22 | - | €813,400 | €788,433 | €973,959 | €916,470 | ▼ 5.9% |
| Plant, machinery and equipment23 | - | €12,375 | €8,179 | €2,930 | €1,889 | ▼ 35.5% |
| Furniture and vehicles24 | - | €10,157 | €6,292 | €4,534 | €4,512 | ▼ 0.5% |
| Current assets29/58 | €114,226 | €78,681 | €69,705 | €303,641 | €267,875 | ▼ 11.8% |
| Amounts receivable within one year40/41 | €3,616 | - | €22,467 | €27,218 | €9,473 | ▼ 65.2% |
| Trade receivables40 | - | - | €3,976 | €3,957 | €2,765 | ▼ 30.1% |
| Other amounts receivable41 | - | - | €18,490 | €23,262 | €6,708 | ▼ 71.2% |
| Current investments50/53 | €591 | - | - | €225,000 | €200,000 | ▼ 11.1% |
| Cash at bank and in hand54/58 | €107,320 | €75,366 | €44,503 | €37,644 | €48,969 | ▲ 30.1% |
| Deferred charges and accrued income490/1 | - | €3,315 | €2,736 | €13,780 | €9,433 | ▼ 31.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €951,174 | €914,613 | €872,610 | €1.3m | €1.2m | ▼ 7.3% |
| Equity10/15 | €18,417 | €59,213 | €72,815 | €137,809 | €133,671 | ▼ 3.0% |
| Contributions10/11 | - | €141,200 | €141,200 | €141,200 | €141,200 | = |
| Reserves13 | €22,974 | €1,149 | €1,149 | €1,149 | €1,149 | = |
| Non-distributable reserves130/1 | - | €1,149 | €1,149 | €0 | - | - |
| Reserves not available under the articles1311 | - | €1,149 | €1,149 | €0 | - | - |
| Distributable reserves133 | - | - | - | €1,149 | €1,149 | = |
| Profit (loss) carried forward14 | -€145,757 | -€83,136 | -€69,534 | -€4,540 | -€8,678 | ▼ 91.2% |
| Amounts payable17/49 | €932,757 | €855,400 | €799,795 | €1.1m | €1.1m | ▼ 7.9% |
| Amounts payable after more than one year17 | €453,097 | €374,941 | €679,472 | €1.0m | €945,585 | ▼ 8.0% |
| Financial debts170/4 | - | €374,941 | €296,095 | €416,552 | €341,305 | ▼ 18.1% |
| Other amounts payable178/9 | - | - | €383,377 | €610,878 | €604,279 | ▼ 1.1% |
| Amounts payable within one year42/48 | €474,190 | €475,759 | €112,480 | €111,281 | €100,796 | ▼ 9.4% |
| Current portion of amounts payable after more than one year42 | - | €78,156 | €78,846 | €79,543 | €75,246 | ▼ 5.4% |
| Financial debts43 | - | €160,000 | - | - | - | - |
| Credit institutions430/8 | - | €160,000 | - | - | - | - |
| Trade debts44 | €9,455 | €9,690 | €8,254 | €9,148 | €8,287 | ▼ 9.4% |
| Suppliers440/4 | - | €9,690 | €8,254 | €9,148 | €8,287 | ▼ 9.4% |
| Taxes, remuneration and social security45 | - | €483 | - | €340 | €94 | ▼ 72.3% |
| Taxes450/3 | - | €483 | - | €340 | €94 | ▼ 72.3% |
| Other amounts payable47/48 | - | €227,430 | €25,381 | €22,250 | €17,168 | ▼ 22.8% |
| Accrued charges and deferred income492/3 | - | €4,700 | €7,843 | €8,546 | €10,695 | ▲ 25.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €13,426 | €40,796 | €13,602 | €64,994 | -€4,138 | ▼ 106% |
| + Depreciation and write-downs630 | €16,475 | €17,393 | €34,404 | €78,941 | €63,929 | ▼ 19.0% |
| Operating cash flow (approximation) | €29,901 | €58,189 | €48,006 | €143,935 | €59,791 | ▼ 58.5% |
| Investment in fixed assets (approximation) | - | -€16,377 | -€1,377 | -€257,460 | -€5,377 | ▲ 97.9% |
| Change in cash | - | -€31,954 | -€30,863 | -€6,859 | €11,326 | ▲ 265% |
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
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 57 days late
2024
31-12
Financial
Weakest financial yearnet -€4,138
Net result drops to -€4,138, the lowest in the series.
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 68 days late
2023
31-12
Financial
Liquidity quadruplescurrent ratio 2.73
Current ratio from 0.62 to 2.73; short-term debt falls from €112,480 to €111,281.
31-12
Financial
Equity above €100,000Eq €137,809 ▲89.3%
6 profitable years in a row build equity to €137,809.
07-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 99 days late
2022
21-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 113 days late
2021
16-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 108 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 122 days late
2019
31-12
Financial
Highest result since 2018net €66,422 ▲4,099%
Operating result €79,741, net result €66,422, both a record.
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 92 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 59 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 60 days late
2016
30-09
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 61 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, Oostende · 2 establishment units since 2001
Ground area
8,812 m²
Building footprint
502 m²
Volume, LiDAR
3,466 m³
2 parcels, Flanders · tallest building 17.7 m, ±5 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
2 establishment units
Gistelsesteenweg 582, 8400 Oostende
since 20012.093.222.287
Hendrik Serruyslaan 24, 8400 Oostende
since 20132.304.026.350
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35026A0597/00B000 | Flanders | 8,702 m² | 1 · 404 m² | 7.5 m · 2 fl. |
| 35013A1014/00N000 | Flanders | 110 m² | 1 · 98 m² | 17.7 m · 5 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.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,799. 13,007 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
Founded19-04-2001
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0474552308
Also
9925:BE0474552308
Registered
15-01-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.