Summary
BILGINVEST 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 €598,385 and a net result of €107,586. Equity is growing by ~18.6% per year across the filed fiscal years. Its solvency ranks better than 83% of 3318 sector peers (fiscal year 2024). The company has been active since 2000 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 · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-10-2025, 71 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
71 d late
2023
90 d late
2022
92 d late
2021
92 d late
2020
153 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 103 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 (1)
History
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Financials · fiscal year 2024, micro schema
In the rankings
#4 oldest company in Herstal, Finance and insurance sector
Equity
€598,385▲ 21.9%
2023 · €490,798
Net result
€107,586▲ 92.5%
2023 · €55,892
Total assets
€711,661▲ 9.7%
2023 · €648,662
Solvency
84.1%▲ 8.4pp
2023 · 75.7%
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
Turnover
Operating result€44,630▼ 63.3%-€348€101,474€144,097▲ 42.0%€150,138▲ 4.2%
Net result€56,797within the sector's middle half▼ 29.5%€299,694above the sector's middle half▲ 428%-€113,116below the sector's middle half€55,892within the sector's middle half€107,586above the sector's middle half▲ 92.5%
Equity€248,328within the sector's middle half▲ 29.7%€548,023above the sector's middle half▲ 121%€434,907above the sector's middle half▼ 20.6%€490,798above the sector's middle half▲ 12.9%€598,385above the sector's middle half▲ 21.9%
Total assets€373,192within the sector's middle half▲ 49.4%€742,402above the sector's middle half▲ 98.9%€585,364within the sector's middle half▼ 21.2%€648,662within the sector's middle half▲ 10.8%€711,661within the sector's middle half▲ 9.7%
Debt€124,863▲ 114%€194,379▲ 55.7%€150,457▼ 22.6%€157,863▲ 4.9%€113,277▼ 28.2%
Working capital€280,556above the sector's middle half▲ 45.4%€578,278above the sector's middle half▲ 106%€449,022above the sector's middle half▼ 22.4%€517,327above the sector's middle half▲ 15.2%€592,577above the sector's middle half▲ 14.5%
Solvency66.5%within the sector's middle half▼ 10.1pp73.8%above the sector's middle half▲ 7.3pp74.3%above the sector's middle half▲ 0.5pp75.7%above the sector's middle half▲ 1.4pp84.1%above the sector's middle half▲ 8.4pp
Current ratio4.05above the sector's middle half▼ 0.824.55above the sector's middle half▲ 0.515.28above the sector's middle half▲ 0.736.45above the sector's middle half▲ 1.177.38above the sector's middle half▲ 0.93
Return on assets (ROA)15.2%within the sector's middle half▼ 17.0pp40.4%above the sector's middle half▲ 25.1pp-19.3%below the sector's middle half▼ 59.7pp8.6%within the sector's middle half▲ 27.9pp15.1%within the sector's middle half▲ 6.5pp
Staff (FTE)0.2
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
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 4% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €711,661
Fixed assets
€26,223 ▼ 28.1%
Current assets
€685,438 ▲ 12.0%
Equity and liabilities €711,661
Equity
€598,385 ▲ 21.9%
Debt
€113,277 ▼ 28.2%
Debt's share of the balance-sheet total falls from 24.3% to 15.9%. Equity is higher and debt is lower.
Key figures and ratios
ROE
18.0%▲
2023 · 11.4%
Debt ≤ 1 year
€92,861▼
2023 · €94,846
Debt > 1 year
€13,683▼
2023 · €56,284
Income taxes
€27,587▼
2023 · €45,240
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 |
|---|---|---|---|---|---|---|
| Goods, raw materials, services and sundry goods60/61 | - | €126,869 | - | €108,531 | - | - |
| Remuneration, social security and pensions62 | - | €28,123 | €17,002 | €1,764 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,006 | €600 | €5,336 | €9,002 | €10,266 | ▲ 14.0% |
| Other operating charges640/8 | - | €1,092 | €7,924 | €4,777 | €463 | ▼ 90.3% |
| Non-recurring operating charges66A | - | €2,387 | €2,590 | - | - | - |
| Gross operating margin9900 | €68,890 | €31,853 | €134,327 | €159,639 | €160,867 | ▲ 0.8% |
| Operating profit (loss)9901 | €44,630 | -€348 | €101,474 | €144,097 | €150,138 | ▲ 4.2% |
| Financial income75/76B | - | €326,086 | €44,713 | - | €34,729 | - |
| Recurring financial income75 | €153,617 | €326,086 | €44,713 | - | €34,729 | - |
| Financial charges65/66B | - | -€54,110 | €220,123 | €42,965 | €49,693 | ▲ 15.7% |
| Recurring financial charges65 | €81,543 | -€54,110 | €220,123 | €42,965 | €49,693 | ▲ 15.7% |
| Profit (loss) for the period before taxes9903 | €116,703 | €379,847 | -€73,936 | €101,132 | €135,174 | ▲ 33.7% |
| Income taxes67/77 | €59,907 | €80,153 | €39,180 | €45,240 | €27,587 | ▼ 39.0% |
| Profit (loss) for the period9904 | €56,797 | €299,694 | -€113,116 | €55,892 | €107,586 | ▲ 92.5% |
| Profit (loss) for the period to be appropriated9905 | €56,797 | €299,694 | -€113,116 | €55,892 | €107,586 | ▲ 92.5% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €373,192 | €742,402 | €585,364 | €648,662 | €711,661 | ▲ 9.7% |
| Fixed assets21/28 | €561 | €1,399 | €31,486 | €36,489 | €26,223 | ▼ 28.1% |
| Tangible fixed assets22/27 | €561 | €1,399 | €31,486 | €36,489 | €26,223 | ▼ 28.1% |
| Furniture and vehicles24 | - | €1,399 | €31,486 | €36,489 | €26,223 | ▼ 28.1% |
| Current assets29/58 | €372,630 | €741,002 | €553,878 | €612,173 | €685,438 | ▲ 12.0% |
| Amounts receivable after more than one year29 | - | €217,000 | €218,637 | €218,637 | €219,637 | ▲ 0.5% |
| Other amounts receivable291 | - | €217,000 | €218,637 | €218,637 | €219,637 | ▲ 0.5% |
| Amounts receivable within one year40/41 | €7,188 | €36,977 | €12,349 | €45,537 | €87,999 | ▲ 93.2% |
| Trade receivables40 | - | - | €3,630 | €11,946 | €27,278 | ▲ 128% |
| Other amounts receivable41 | - | €36,977 | €8,719 | €33,591 | €60,722 | ▲ 80.8% |
| Current investments50/53 | €228,836 | €236,410 | €99,380 | €86,236 | €103,615 | ▲ 20.2% |
| Cash at bank and in hand54/58 | €1,840 | - | - | €23,143 | - | - |
| Deferred charges and accrued income490/1 | - | €250,615 | €223,512 | €238,619 | €274,187 | ▲ 14.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €373,192 | €742,402 | €585,364 | €648,662 | €711,661 | ▲ 9.7% |
| Equity10/15 | €248,328 | €548,023 | €434,907 | €490,798 | €598,385 | ▲ 21.9% |
| Contributions10/11 | - | €6,197 | €6,197 | €6,197 | €6,197 | = |
| Outside capital11 | - | €6,197 | - | - | - | - |
| Other1109/19 | - | €6,197 | - | - | - | - |
| Reserves13 | €215,397 | €515,091 | €515,091 | €570,983 | €678,569 | ▲ 18.8% |
| 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 | = |
| Distributable reserves133 | - | €513,231 | €513,231 | €569,123 | €676,709 | ▲ 18.9% |
| Profit (loss) carried forward14 | €26,735 | €26,735 | -€86,382 | -€86,382 | -€86,382 | = |
| Amounts payable17/49 | €124,863 | €194,379 | €150,457 | €157,863 | €113,277 | ▼ 28.2% |
| Amounts payable after more than one year17 | €27,422 | €24,922 | €38,868 | €56,284 | €13,683 | ▼ 75.7% |
| Financial debts170/4 | - | - | €14,000 | €33,016 | €13,367 | ▼ 59.5% |
| Other amounts payable178/9 | - | €24,922 | €24,868 | €23,268 | €315 | ▼ 98.6% |
| Amounts payable within one year42/48 | €92,075 | €162,724 | €104,856 | €94,846 | €92,861 | ▼ 2.1% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €13,333 | - |
| Financial debts43 | - | €24,200 | €15,815 | - | €21,104 | - |
| Credit institutions430/8 | - | €24,200 | €15,815 | - | €21,104 | - |
| Trade debts44 | €861 | €550 | €857 | €5,506 | €16,918 | ▲ 207% |
| Suppliers440/4 | - | €550 | €857 | €5,506 | €16,918 | ▲ 207% |
| Advances received on contracts in progress46 | - | - | - | €7,260 | €2,420 | ▼ 66.7% |
| Taxes, remuneration and social security45 | - | €132,869 | €88,183 | €82,081 | €39,086 | ▼ 52.4% |
| Taxes450/3 | - | €128,263 | €83,617 | €81,706 | €38,711 | ▼ 52.6% |
| Remuneration and social security454/9 | - | €4,606 | €4,566 | €374 | €374 | = |
| Other amounts payable47/48 | - | €5,105 | - | - | - | - |
| Accrued charges and deferred income492/3 | - | €6,733 | €6,733 | €6,733 | €6,733 | = |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €56,797 | €299,694 | -€113,116 | €55,892 | €107,586 | ▲ 92.5% |
| + Depreciation and write-downs630 | €2,006 | €600 | €5,336 | €9,002 | €10,266 | ▲ 14.0% |
| Operating cash flow (approximation) | €58,803 | €300,294 | -€107,780 | €64,893 | €117,852 | ▲ 81.6% |
| Investment in fixed assets (approximation) | - | -€1,438 | -€35,422 | -€14,005 | €0 | ▲ 100% |
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
10-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 71 days late
2024
31-12
Financial
Equity above €500,000Eq €598,385 ▲21.9%
2 profitable years in a row build equity to €598,385.
29-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 90 days late
2023
31-12
Financial
Back to profitnet €55,892
Net result €55,892 after one loss-making year.
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 92 days late
2022
31-12
Financial
Weakest financial yearnet -€113,116
Net result drops to -€113,116, the lowest in the series; recovery starts the following year.
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 92 days late
2021
31-12
Financial
Highest result since 2018net €299,694 ▲428%
Net result €299,694, the highest in the series.
31-12
Financial
Equity above €500,000Eq €548,023 ▲121%
4 profitable years in a row build equity to €548,023.
31-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 153 days late
2020
31-12
Financial
Equity above €200,000Eq €248,328 ▲29.7%
3 profitable years in a row build equity to €248,328.
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
Show earlier events
2019
31-12
Financial
Equity above €150,000Eq €191,532 ▲72.7%
2 profitable years in a row build equity to €191,532.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
08-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 69 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 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, Herstal · 2 establishment units since 2002
Ground area
159 m²
Building footprint
134 m²
Volume, LiDAR
1,384 m³
2 parcels, Brussels, Wallonia · tallest building 14.6 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
Campagne des Monts 53, 4040 Herstal
since 20022.114.130.440
CAPITAL LIFE
since 20202.311.993.416
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21372D0187/00X003 | Brussels | 110 m² | 1 · 83 m² | 14.6 m · 4 fl. |
| 62315G0159/00H000 | Wallonia | 49 m² | 1 · 51 m² | 8.5 m · 3 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.
Recognitions · licences · registrations
Legal Entity Identifier
875500CYNZ27B7DG9M15
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Of 4,674 companies in sector 66220 we hold annual accounts for 3,222. 2,504 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
Founded22-08-2000
Fiscal year end31-12
Trade name FR
CAPITAL LIFE
Activities, NACEBEL 2025
66220Insurance agents and brokers
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0472603893
Also
9925:BE0472603893
Registered
10-11-2025
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.