AUGUSTINUS
ActiveSummary
AUGUSTINUS 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 €116,159 and a net result of -€5,267. Equity has been shrinking by about 19% per year since 2018. If that trend continues, it turns negative around financial year 2027. Its solvency ranks better than 93% of 1,853 sector peers (NACE 66, financial year 2025). The company has been active since 1991 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 10-04-1991 Normal situation
- Activity
- Other activities auxiliary to financial services, excluding insurance and pension funding NACE 66199and 2 others
- Establishment unit
- 2.053.012.720 2890 Puurs-Sint-Amands, since 05-06-1991
- Financial year end
- 31 December
- Peppol
- Reachable since 30-09-2025
Financial position
Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
- Loss
- €5,267
- Equity
- €116,159
- ▼ 4.3%
- Total assets
- €127,196
- ▼ 2.8%
SignalsneutralLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
1 signal.
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 15-06-2026, 46 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
46 days early
2024
10 days early
2023
34 days early
2022
36 days early
2021
14 days early
2020
35 days early
2019
45 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 31 days before the deadline. In the sector (NACE 66), the median for financial year 2024 was 5 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 28 June (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
05-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
Financials · financial year 2025, abbreviated format
Annual accounts 2025 filed on 15-06-2026 PDF all 35 filings
Equity
€116,159▼ 4.3%
2024 · €121,426
Net result
-€5,267
2024 · €12,977
Total assets
€127,196▼ 2.8%
2024 · €130,914
Solvency
91.3%▼ 1.4pp
2024 · 92.8%
Multi-year overview
2018 to 2025, 8 financial yearsOperating result
-€4,586
2025
20182025
Net result
-€5,267
2025
lowest quarter of the sector
20182025
Equity
€116,159
▼ 4.3%
2025
middle half of the sector
20182025
Total assets
€127,196
▼ 2.8%
2025
lowest quarter of the sector
20182025
Debt
€11,037
▲ 16.3%
2025
20182025
Working capital
€117,659
▲ 16.8%
2025
middle half of the sector
20182025
Solvency
91.3%
▼ 1.4pp
2025
highest quarter of the sector
20182025
Current ratio
13.34
▼ 0.27
2025
highest quarter of the sector
20182025
Return on assets (ROA)
-4.1%
▼ 14.1pp
2025
lowest quarter of the sector
20182025
Staff (FTE)
no figure
2025
20182025
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result€0.8m--€0.05m-€0.04m▲ 17.3%€0.04m€0.1m▲ 265%€0.007m▼ 95.0%€0.01m▲ 69.9%-€0.005m
Net result€0.5m--€0.05m-€0.04mbelow the sector's middle half▲ 16.3%€0.04mwithin the sector's middle half€0.1mwithin the sector's middle half▲ 195%€0.004mbelow the sector's middle half▼ 96.2%€0.01mbelow the sector's middle half▲ 219%-€0.005mbelow the sector's middle half
Equity€1.3m-€1.2m▼ 3.8%€1.2mabove the sector's middle half▼ 3.3%€0.9mabove the sector's middle half▼ 25.7%€1.0mabove the sector's middle half▲ 12.3%€0.7mwithin the sector's middle half▼ 33.3%€0.1mwithin the sector's middle half▼ 81.5%€0.1mwithin the sector's middle half▼ 4.3%
Total assets€1.4m-€1.2m▼ 8.4%€1.2mwithin the sector's middle half▼ 3.8%€0.9mwithin the sector's middle half▼ 25.8%€1.0mwithin the sector's middle half▲ 15.5%€0.7mwithin the sector's middle half▼ 34.8%€0.1mbelow the sector's middle half▼ 80.3%€0.1mbelow the sector's middle half▼ 2.8%
Debt€0.08m-€0.02m▼ 78.8%€0.01m▼ 41.2%€0.006m▼ 39.0%€0.04m▲ 467%€0.008m▼ 77.6%€0.009m▲ 19.2%€0.01m▲ 16.3%
Working capital€1.2m-€1.2m▼ 2.6%€1.1mabove the sector's middle half▼ 2.0%€0.8mabove the sector's middle half▼ 25.3%€1.0mabove the sector's middle half▲ 12.7%€0.6mabove the sector's middle half▼ 34.3%€0.1mwithin the sector's middle half▼ 84.0%€0.1mwithin the sector's middle half▲ 16.8%
Solvency93.9%-98.6%▲ 4.7pp99.1%above the sector's middle half▲ 0.5pp99.3%above the sector's middle half▲ 0.2pp96.5%above the sector's middle half▼ 2.8pp98.8%above the sector's middle half▲ 2.3pp92.8%above the sector's middle half▼ 6.1pp91.3%above the sector's middle half▼ 1.4pp
Current ratio15.43-67.34▲ 51.9135.49above the sector's middle half79.88above the sector's middle half▲ 44.4013.61above the sector's middle half▼ 66.2713.34above the sector's middle half▼ 0.27
Return on assets (ROA)40.6%--3.9%▼ 44.5pp-3.4%below the sector's middle half▲ 0.5pp4.1%within the sector's middle half▲ 7.5pp10.5%within the sector's middle half▲ 6.4pp0.6%below the sector's middle half▼ 9.9pp9.9%within the sector's middle half▲ 9.3pp-4.1%below the sector's middle half▼ 14.1pp
Staff (FTE)1-0▼ 100%0below the sector's middle half0below the sector's middle half0below the sector's middle half
above
within
below
The sector band is the middle half of the companies in Activities auxiliary to financial services and insurance activities (NACE 66). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The operating result for 2025 is a loss of €4,586, after a profit of €11,310 in 2024. It is the lowest result since 2020.
Large changes and their cause
- 2023 Net result -96% on 2022. The 2022 profit included a one-off income of €127,837.
Turnover and EBIT margin are not published. The abbreviated format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €127,196
Equity
€116,159 ▼ 4.3%
Debt
€11,037 ▲ 16.3%
Debt's share of the balance-sheet total rises from 7.2% to 8.7%. Equity is lower and debt is higher.
Key figures and ratios
ROE
-4.5%▼
2024 · 10.7%
Debt ≤ 1 year
€9,537▲
2024 · €7,988
Income taxes
€2,348▼
2024 · €12,865
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Investments
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Tangible fixed assets | - | €37,035 | - | - | - |
| Depreciation and write-downs of the year | €16,788 | €7,095 | €7,407 | €7,407 | €7,407 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €0.05m | €0.1m | - | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | - | - | €0.02m | €0.03m | €0.07m | €0.08m | ▲ 5.2% |
| Remuneration, social security and pensions62 | - | - | - | €0.07m | €0.05m | €0.05m | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €0.02m | €0.02m | €0.02m | €0.02m | €0.007m | €0.007m | €0.007m | €0.007m | = |
| Other operating charges640/8 | - | - | - | €0.002m | €0.002m | €263 | €0.002m | €0.001m | ▼ 59.7% |
| Non-recurring operating charges66A | - | - | - | - | - | - | - | €357 | - |
| Gross operating margin9900 | €1.1m | €0.07m | €0.07m | €0.1m | €0.2m | €0.06m | €0.02m | €0.004m | ▼ 81.1% |
| Operating profit (loss)9901 | €0.8m | -€0.05m | -€0.04m | €0.04m | €0.1m | €0.007m | €0.01m | -€0.005m | - |
| Financial income75/76B | - | - | - | €94 | - | €0.001m | €0.01m | €0.002m | ▼ 88.0% |
| Recurring financial income75 | €376 | €199 | €190 | €94 | - | €0.001m | €0.01m | €0.002m | ▼ 88.0% |
| Financial charges65/66B | - | - | - | €84 | €60 | €72 | €43 | €83 | ▲ 93.0% |
| Recurring financial charges65 | €219 | €66 | €84 | €84 | €60 | €72 | €43 | €83 | ▲ 93.0% |
| Profit (loss) for the period before taxes9903 | €0.8m | -€0.05m | -€0.04m | €0.04m | €0.1m | €0.008m | €0.03m | -€0.003m | - |
| Income taxes67/77 | €0.3m | €54 | €0.001m | €36 | €0.03m | €0.004m | €0.01m | €0.002m | ▼ 81.7% |
| Profit (loss) for the period9904 | €0.5m | -€0.05m | -€0.04m | €0.04m | €0.1m | €0.004m | €0.01m | -€0.005m | - |
| Profit (loss) for the period to be appropriated9905 | €0.5m | -€0.05m | -€0.04m | €0.04m | €0.1m | €0.004m | €0.01m | -€0.005m | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €1.4m | €1.2m | €1.2m | €0.9m | €1.0m | €0.7m | €0.1m | €0.1m | ▼ 2.8% |
| Fixed assets21/28 | €0.08m | €0.06m | €0.05m | €0.03m | €0.04m | €0.03m | €0.02m | - | - |
| Tangible fixed assets22/27 | €0.08m | €0.06m | €0.05m | €0.03m | €0.04m | €0.03m | €0.02m | - | - |
| Plant, machinery and equipment23 | - | - | - | €0.03m | €0 | - | - | - | - |
| Furniture and vehicles24 | - | - | - | €0.002m | €0.04m | €0.03m | €0.02m | - | - |
| Current assets29/58 | €1.3m | €1.2m | €1.1m | €0.9m | €1.0m | €0.6m | €0.1m | €0.1m | ▲ 17.0% |
| Amounts receivable within one year40/41 | €0.09m | €0.06m | €0.06m | - | €0.007m | - | - | €0.002m | - |
| Trade receivables40 | - | - | - | - | €0.007m | - | - | - | - |
| Other amounts receivable41 | - | - | - | - | - | - | - | €0.002m | - |
| Cash at bank and in hand54/58 | €1.2m | €1.1m | €1.1m | €0.9m | €1.0m | €0.6m | €0.1m | €0.1m | ▲ 15.2% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €1.4m | €1.2m | €1.2m | €0.9m | €1.0m | €0.7m | €0.1m | €0.1m | ▼ 2.8% |
| Equity10/15 | €1.3m | €1.2m | €1.2m | €0.9m | €1.0m | €0.7m | €0.1m | €0.1m | ▼ 4.3% |
| Contributions10/11 | €0.01m | €0.01m | - | €0.01m | €0.01m | - | €0.01m | €0.01m | = |
| Contributions outside capital11 | - | - | - | - | - | - | €0.01m | - | - |
| Other1109/19 | - | - | - | - | - | - | €0.01m | - | - |
| Reserves13 | €1.3m | €1.3m | €1.3m | €0.9m | €1.0m | €0.7m | €0.1m | €0.1m | ▼ 4.7% |
| Non-distributable reserves130/1 | - | - | - | €0.04m | €0.04m | - | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €0.04m | €0.04m | - | - | - | - |
| Distributable reserves133 | - | - | - | €0.9m | €0.9m | €0.7m | €0.1m | €0.1m | ▼ 4.7% |
| Profit (loss) carried forward14 | - | -€0.05m | -€0.09m | -€0.05m | - | - | - | - | - |
| Amounts payable17/49 | €0.08m | €0.02m | €0.01m | €0.006m | €0.04m | €0.008m | €0.009m | €0.01m | ▲ 16.3% |
| Amounts payable within one year42/48 | €0.08m | €0.02m | €0.01m | €0.006m | €0.03m | €0.008m | €0.008m | €0.01m | ▲ 19.4% |
| Trade debts44 | €0.005m | €0.01m | €0.007m | €0.003m | €0.002m | €0.001m | €0.001m | €0.001m | ▲ 10.9% |
| Suppliers440/4 | - | - | - | €0.003m | €0.002m | €0.001m | €0.001m | €0.001m | ▲ 10.9% |
| Taxes, remuneration and social security45 | - | - | - | €0.003m | €0.03m | €0.007m | €0.007m | €0.007m | ▼ 6.7% |
| Taxes450/3 | - | - | - | €0.003m | €0.03m | €0.007m | €0.007m | €0.007m | ▼ 6.7% |
| Other amounts payable47/48 | - | - | - | - | - | - | - | €0.002m | - |
| Accrued charges and deferred income492/3 | - | - | - | - | €0.008m | - | €0.002m | €0.002m | = |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €549,128 | -€48,427 | -€40,511 | €36,437 | €107,580 | €4,074 | €12,977 | -€5,267 | - |
| + Depreciation and write-downs630 | €19,400 | €17,532 | €17,259 | €16,788 | €7,095 | €7,407 | €7,407 | €7,407 | = |
| Operating cash flow (approximation) | €568,528 | -€30,895 | -€23,252 | €53,225 | €114,675 | €11,481 | €20,384 | €2,140 | ▼ 89.5% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | -€14,372 | €0 | €0 | - | - |
| Change in cash | - | -€72,020 | -€31,494 | -€227,680 | €122,912 | -€341,431 | -€527,087 | €16,562 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Latest 10 of 35 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | abbreviated format | 15-06-2026 | 2026-00165605 | |
| 31-12-2024 | abbreviated format | 21-07-2025 | 2025-00298513 | |
| 31-12-2023 | abbreviated format | 27-06-2024 | 2024-00184202 | |
| 31-12-2022 | abbreviated format | 25-06-2023 | 2023-00154605 | |
| 31-12-2021 | abbreviated format | 17-07-2022 | 2022-20208936 | |
| 31-12-2020 | abbreviated format | 26-06-2021 | 2021-27500514 | |
| 31-12-2019 | abbreviated format | 16-06-2020 | 2020-17700593 | |
| 31-12-2018 | abbreviated format | 26-06-2019 | 2019-23400080 | |
| 31-12-2017 | abbreviated format | 17-06-2018 | 2018-19800437 | |
| 31-12-2016 | abbreviated format | 21-06-2017 | 2017-19800320 |
Board & ownership
Directors
Directors
2 directors
Eduard Augustinus
Current
Director (not named in the articles) · in office according to the deed of 06-07-2023 · term without a fixed end
Godelieve Caluwaerts
Current
Director (not named in the articles) · in office according to the deed of 06-07-2023 · term without a fixed end
Signing authorityThe articles say who may bind the company, for example by signing a contract.
Each director alone
deed of 06-07-2023Owners and capital
Owners
Mandate history
2 people, 2 in office
- Board
- mandate already running before its first mention
| Name | Functions and periods |
|---|---|
| Eduard Augustinus |
|
| Godelieve Caluwaerts |
|
Network & group
AUGUSTINUS shares no director with another company.
Companies at the same address
1 other companyConnections & network
2 current directorsThe network starts from the directors of AUGUSTINUS. Every other company they run is a node.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Deeds, filings and financial milestones
Deadline for the 2026 accounts:
2026
15-06
abbreviated format · 46 days before the deadline
2025
21-07
abbreviated format · 10 days before the deadline
2024
27-06
abbreviated format · 34 days before the deadline
2023
31-12
Financial
Liquidity more than doubledcurrent ratio 79.88
The current ratio rises from 35.49 to 79.88. Short-term debt falls from €27,726 to €7,959.
06-07
Gazette deed
Reappointments: Eduard Augustinus (director) and Godelieve Caluwaerts (director)4 points ▸
Gazette deed
Reappointments: Eduard Augustinus (director) and Godelieve Caluwaerts (director)
4 points ▸
- Power of attorney, Rafaël Van der Veken
- Director reappointment, Eduard Augustinus (director (not named in the articles))
- Director reappointment, Godelieve Caluwaerts (director (not named in the articles))
- Registered office clause, Livien Van der Looystraat 30, 2890 Puurs-Sint-Amands
- The deed holds 5 more points.
25-06
abbreviated format · 36 days before the deadline
2022
17-07
abbreviated format · 14 days before the deadline
2021
31-12
Financial
Back to profitnet €36,437
The net result is €36,437, after 2 loss-making years.
26-06
abbreviated format · 35 days before the deadline
2020
16-06
abbreviated format · 45 days before the deadline
2019
31-12
Financial
Weakest financial yearnet -€48,427
The net result drops to -€48,427, the lowest from 2018 to 2025. It recovers the following year.
31-12
Financial
Liquidity more than quadruplescurrent ratio 67.34
The current ratio rises from 15.43 to 67.34. Short-term debt falls from €82,375 to €17,456.
Show earlier events
26-06
abbreviated format · 35 days before the deadline
2018
17-06
abbreviated format · 44 days before the deadline
2017
21-06
abbreviated format · 40 days before the deadline
1991
03-05
Gazette deed
Incorporation
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
AUGUSTINUS in Dutch
Enterprise number
0443.871.208
Legal form
Private limited company
Status
Active, normal situation
Founded
10-04-1991
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 06-07-2023 (in Dutch)Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Vlaams Gewest”
deed of 06-07-2023 (in Dutch)Registered office and establishments
Registered office
Livien Van der Looystraat 30, 2890 Puurs-Sint-Amands, Belgium
Establishment unit
AUGUSTINUS, Livien Van der Looystraat 30, 2890 Puurs-Sint-Amands since 05-06-1991 · unit number 2.053.012.720
E-mail
eddy@augutinusbvba.be
E-mail
info@augustinusbvba.be
Activities
NACEBEL 202566199
Other activities auxiliary to financial services, excluding insurance and pension funding main activity
66220
Insurance agents and brokers
66290
Activities auxiliary to financial services and insurance activities
Codes under NACEBEL 2008
66199
Activities auxiliary to financial services and insurance activities main activity
66220
Activities auxiliary to financial services and insurance activities
66290
Activities auxiliary to financial services and insurance activities
PurposeThe purpose describes the activities the company may carry out under its articles.
deed of 06-07-2023 (in Dutch)
“Bemiddeling in het tot stand komen van verzekeringscontracten; Als tussenpersoon optreden voor beleggingen en leningen en alle samengaande…”
4 activities
- Bemiddeling in het tot stand komen van verzekeringscontracten;
- Als tussenpersoon optreden voor beleggingen en leningen en alle samengaande spaaractiviteiten;
- Bemiddeling in aan- en verkoop van onroerende goederen;
- Bemiddeling in verkoop van reizen.
Invoicing and payment
VAT number
BE 0443.871.208
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
“12) Jaarvergadering : Ieder jaar wordt een gewone algemene vergadering van aandeelhouders gehouden op de zetel de laatste werkdag van de…”
deed of 06-07-2023 (in Dutch)Sites & property
Location
Buildings and parcels at the address
Ground area
316 m²
Building footprint
169 m²
Building volume
862 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 12034A0701/00V000 | Flanders | 316 m² | 1 · 169 m² | 7.7 m · 2 |