Summary
Attraversi 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 €295,536 and a net result of -€68,067. Equity is growing by ~27.6% per year across the filed fiscal years. Its solvency ranks better than 93% of 2469 sector peers (fiscal year 2025). The company has been active since 2010 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
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
1 d early
2023
27 d late
2022
4 d early
2021
1 d early
2020
10 d late
2019
17 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 2 days after 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 (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. Usually files around 30 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€295,536▼ 18.7%
2024 · €363,604
Net result
-€68,067
2024 · €327,010
Total assets
€313,568▼ 20.0%
2024 · €391,844
Solvency
94.2%▲ 1.5pp
2024 · 92.8%
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: 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. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€4,839▼ 81.6%€17,682▲ 265%€4,072▼ 77.0%€459,637▲ 11,188%-€73,939
Net result-€286below the sector's middle half€9,326within the sector's middle half-€772below the sector's middle half€327,010above the sector's middle half-€68,067below the sector's middle half
Equity€28,040below the sector's middle half▼ 1.0%€37,366within the sector's middle half▲ 33.3%€36,594below the sector's middle half▼ 2.1%€363,604above the sector's middle half▲ 894%€295,536within the sector's middle half▼ 18.7%
Total assets€247,707within the sector's middle half▲ 17.2%€206,535within the sector's middle half▼ 16.6%€169,272within the sector's middle half▼ 18.0%€391,844within the sector's middle half▲ 131%€313,568within the sector's middle half▼ 20.0%
Debt€219,667▲ 20.1%€169,169▼ 23.0%€132,678▼ 21.6%€28,240▼ 78.7%€18,032▼ 36.1%
Working capital-€58,096below the sector's middle half▼ 33.3%-€63,096below the sector's middle half▼ 8.6%-€48,018below the sector's middle half▲ 23.9%€339,785above the sector's middle half€277,330above the sector's middle half▼ 18.4%
Solvency11.3%below the sector's middle half▼ 2.1pp18.1%below the sector's middle half▲ 6.8pp21.6%within the sector's middle half▲ 3.5pp92.8%above the sector's middle half▲ 71.2pp94.2%above the sector's middle half▲ 1.5pp
Current ratio0.43below the sector's middle half▲ 0.060.23below the sector's middle half▼ 0.200.28below the sector's middle half▲ 0.0513.03above the sector's middle half▲ 12.7516.38above the sector's middle half▲ 3.35
Return on assets (ROA)-0.1%below the sector's middle half▼ 8.1pp4.5%within the sector's middle half▲ 4.6pp-0.5%below the sector's middle half▼ 5.0pp83.5%above the sector's middle half▲ 83.9pp-21.7%below the sector's middle half▼ 105.2pp
Staff (FTE)11=0.3▼ 70.0%
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 2025: a loss of €73,939 after €459,637 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €313,568
Fixed assets
€18,207 ▼ 23.6%
Current assets
€295,362 ▼ 19.7%
Equity and liabilities €313,568
Equity
€295,536 ▼ 18.7%
Debt
€18,032 ▼ 36.1%
Debt's share of the balance-sheet total falls from 7.2% to 5.8%. Equity and debt are lower.
Key figures and ratios
ROE
-23.0%▼
2024 · 89.9%
Debt ≤ 1 year
€18,032▼
2024 · €28,240
Income taxes
-€357▼
2024 · €134,145
Staff costs
-€58▼
2024 · €18,118
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €5,388 | - | - | €482,788 | €0 | ▼ 100% |
| Remuneration, social security and pensions62 | €46,586 | €48,573 | €51,615 | €18,118 | -€58 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €35,427 | €40,768 | €41,031 | €13,267 | €13,907 | ▲ 4.8% |
| Other operating charges640/8 | €637 | €755 | €967 | €774 | €781 | ▲ 0.9% |
| Gross operating margin9900 | €87,489 | €107,778 | €97,685 | €491,796 | -€59,309 | ▼ 112% |
| Operating profit (loss)9901 | €4,839 | €17,682 | €4,072 | €459,637 | -€73,939 | ▼ 116% |
| Financial income75/76B | €3 | €0 | €1 | €3,436 | €5,895 | ▲ 71.6% |
| Recurring financial income75 | €3 | €0 | €1 | €1,109 | €5,895 | ▲ 432% |
| Non-recurring financial income76B | - | - | - | €2,327 | €0 | ▼ 100% |
| Financial charges65/66B | €3,254 | €3,493 | €2,620 | €1,918 | €381 | ▼ 80.1% |
| Recurring financial charges65 | €3,254 | €3,493 | €2,620 | €1,918 | €381 | ▼ 80.1% |
| Profit (loss) for the period before taxes9903 | €1,588 | €14,189 | €1,452 | €461,155 | -€68,424 | ▼ 115% |
| Income taxes67/77 | €1,874 | €4,863 | €2,224 | €134,145 | -€357 | ▼ 100% |
| Profit (loss) for the period9904 | -€286 | €9,326 | -€772 | €327,010 | -€68,067 | ▼ 121% |
| Profit (loss) for the period to be appropriated9905 | -€286 | €9,326 | -€772 | €327,010 | -€68,067 | ▼ 121% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €247,707 | €206,535 | €169,272 | €391,844 | €313,568 | ▼ 20.0% |
| Fixed assets21/28 | €203,129 | €187,737 | €150,417 | €23,819 | €18,207 | ▼ 23.6% |
| Intangible fixed assets21 | €142,486 | €142,120 | €117,212 | €0 | €5,017 | - |
| Tangible fixed assets22/27 | €57,043 | €42,017 | €29,605 | €23,819 | €12,709 | ▼ 46.6% |
| Plant, machinery and equipment23 | €1,453 | €1,397 | €3,954 | €6,674 | €5,949 | ▼ 10.9% |
| Furniture and vehicles24 | €10,492 | €6,797 | €3,102 | €5,871 | €6,760 | ▲ 15.1% |
| Leasing and similar rights25 | €45,097 | €33,823 | €22,549 | €11,274 | €0 | ▼ 100% |
| Financial fixed assets28 | €3,600 | €3,600 | €3,600 | €0 | €480 | - |
| Current assets29/58 | €44,578 | €18,798 | €18,855 | €368,025 | €295,362 | ▼ 19.7% |
| Amounts receivable within one year40/41 | €19,000 | - | €91 | €50,850 | €139,664 | ▲ 175% |
| Trade receivables40 | €19,000 | - | €91 | €372 | €0 | ▼ 100% |
| Other amounts receivable41 | - | - | - | €50,478 | €139,664 | ▲ 177% |
| Cash at bank and in hand54/58 | €12,223 | €3,748 | €7,222 | €316,992 | €153,936 | ▼ 51.4% |
| Deferred charges and accrued income490/1 | €13,355 | €15,049 | €11,542 | €183 | €1,762 | ▲ 865% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €247,707 | €206,535 | €169,272 | €391,844 | €313,568 | ▼ 20.0% |
| Equity10/15 | €28,040 | €37,366 | €36,594 | €363,604 | €295,536 | ▼ 18.7% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €301 | €301 | €301 | €218,311 | €218,311 | = |
| Non-distributable reserves130/1 | €301 | €301 | €0 | - | - | - |
| Reserves not available under the articles1311 | €301 | €301 | €0 | - | - | - |
| Distributable reserves133 | - | - | €301 | €218,311 | €218,311 | = |
| Profit (loss) carried forward14 | €21,539 | €30,865 | €30,093 | €139,093 | €71,025 | ▼ 48.9% |
| Amounts payable17/49 | €219,667 | €169,169 | €132,678 | €28,240 | €18,032 | ▼ 36.1% |
| Amounts payable after more than one year17 | €116,993 | €87,276 | €65,805 | €0 | - | - |
| Financial debts170/4 | €116,993 | €87,276 | €65,805 | €0 | - | - |
| Amounts payable within one year42/48 | €102,674 | €81,893 | €66,873 | €28,240 | €18,032 | ▼ 36.1% |
| Current portion of amounts payable after more than one year42 | €41,209 | €29,719 | €21,471 | €10,814 | €0 | ▼ 100% |
| Trade debts44 | €6,356 | €2,531 | €3,128 | €173 | €1,888 | ▲ 992% |
| Suppliers440/4 | €6,356 | €2,531 | €3,128 | €173 | €1,888 | ▲ 992% |
| Taxes, remuneration and social security45 | €21,046 | €21,720 | €18,234 | €7,255 | €6,146 | ▼ 15.3% |
| Taxes450/3 | €11,001 | €9,767 | €10,410 | €7,255 | €6,146 | ▼ 15.3% |
| Remuneration and social security454/9 | €10,046 | €11,953 | €7,824 | €0 | - | - |
| Other amounts payable47/48 | €34,063 | €27,923 | €24,041 | €9,998 | €9,998 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€286 | €9,326 | -€772 | €327,010 | -€68,067 | ▼ 121% |
| + Depreciation and write-downs630 | €35,427 | €40,768 | €41,031 | €13,267 | €13,907 | ▲ 4.8% |
| Operating cash flow (approximation) | €35,141 | €50,094 | €40,259 | €340,277 | -€54,161 | ▼ 116% |
| Investment in fixed assets (approximation) | - | -€25,376 | -€3,711 | €113,330 | -€8,294 | ▼ 107% |
| Change in cash | - | -€8,474 | €3,474 | €309,770 | -€163,056 | ▼ 153% |
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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet -€68,067
Net result drops to -€68,067, the lowest in the series.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €327,010
Net result €327,010 after one loss-making year.
31-12
Financial
Liquidity times 46current ratio 13.03
Current ratio from 0.28 to 13.03; short-term debt falls from €66,873 to €28,240.
31-12
Financial
Equity above €200,000Eq €363,604 ▲894%
Equity rises from €36,594 to €363,604.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €9,326
Net result €9,326 after one loss-making year.
30-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
10-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 10 days late
2020
31-12
Financial
Back to profitnet €16,808
Net result €16,808 after one loss-making year.
Show earlier events
14-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
08-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 8 days late
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
04-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 4 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 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
7 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, Antwerpen · 1 establishment unit since 2010
Ground area
654 m²
Building footprint
100 m²
Volume, LiDAR
695 m³
Parcel 11007A0076/00X004, Flanders · tallest building 11.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
H&B Verzekeringen
since 20102.184.735.057
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11007A0076/00X004 | Flanders | 654 m² | 1 · 100 m² | 11.4 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 1,020 EUR awarded · 1,020 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 1,020 EUR | 1,020 EUR |
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Of 4,674 companies in sector 66220 we hold annual accounts for 3,222. 2,749 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
Founded04-01-2010
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
70200Business and other management consultancy
Contact
E-invoicing
Reachable via Peppol
Peppol ID
0208:0821986413
Also
9925:BE0821986413
Registered
07-03-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.