Summary
BLUE FIN 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 €29,925 and a net result of €1,108. Equity is growing by ~3.4% per year across the filed fiscal years. Its solvency ranks better than 89% of 8091 sector peers (fiscal year 2025). The company has been active since 2015 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 30-12-2025 was due by 30-07-2026 and was filed on 30-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
1 d late
2023
1 d late
2022
1 d late
2021
1 d late
2020
on the day
2019
13 d late
← 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 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-12-2026 and is due by 30-07-2027. Nothing is late today. Usually files around 31 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today30-12-2026 close30-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€29,925▲ 3.8%
2024 · €28,817
Net result
€1,108
2024 · -€11,022
Total assets
€32,953▼ 3.4%
2024 · €34,125
Solvency
90.8%▲ 6.4pp
2024 · 84.4%
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
Line20212022202320242025
Operating result-€7,892€44,156-€10,480-€10,819▼ 3.2%€1,341
Net result-€8,170below the sector's middle half€32,116within the sector's middle half-€10,651below the sector's middle half-€11,022below the sector's middle half▼ 3.5%€1,108below the sector's middle half
Equity€18,374below the sector's middle half▼ 30.8%€50,490within the sector's middle half▲ 175%€39,839below the sector's middle half▼ 21.1%€28,817below the sector's middle half▼ 27.7%€29,925below the sector's middle half▲ 3.8%
Total assets€20,786below the sector's middle half▼ 31.8%€56,055below the sector's middle half▲ 170%€44,203below the sector's middle half▼ 21.1%€34,125below the sector's middle half▼ 22.8%€32,953below the sector's middle half▼ 3.4%
Debt€2,412▼ 38.9%€5,565▲ 131%€4,364▼ 21.6%€5,308▲ 21.6%€3,028▼ 42.9%
Working capital€15,235within the sector's middle half▼ 34.3%€48,916within the sector's middle half▲ 221%€39,254within the sector's middle half▼ 19.8%€25,743within the sector's middle half▼ 34.4%€28,445within the sector's middle half▲ 10.5%
Solvency88.4%above the sector's middle half▲ 1.3pp90.1%above the sector's middle half▲ 1.7pp90.1%above the sector's middle half▲ 0.1pp84.4%above the sector's middle half▼ 5.7pp90.8%above the sector's middle half▲ 6.4pp
Current ratio7.32above the sector's middle half▲ 0.449.79above the sector's middle half▲ 2.4710.00above the sector's middle half▲ 0.215.85above the sector's middle half▼ 4.1510.39above the sector's middle half▲ 4.54
Return on assets (ROA)-39.3%below the sector's middle half▼ 46.9pp57.3%above the sector's middle half▲ 96.6pp-24.1%below the sector's middle half▼ 81.4pp-32.3%below the sector's middle half▼ 8.2pp3.4%within the sector's middle half▲ 35.7pp
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 or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €1,341 after a loss of €10,819 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €32,953
Fixed assets
€1,480 ▼ 51.9%
Current assets
€31,474 ▲ 1.4%
Equity and liabilities €32,953
Equity
€29,925 ▲ 3.8%
Debt
€3,028 ▼ 42.9%
Debt's share of the balance-sheet total falls from 15.6% to 9.2%. Equity is higher and debt is lower.
Key figures and ratios
ROE
3.7%▲
2024 · -38.2%
Debt ≤ 1 year
€3,028▼
2024 · €5,308
Income taxes
€175▲
2024 · €174
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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,498 | €1,565 | €989 | €1,566 | €1,595 | ▲ 1.8% |
| Other operating charges640/8 | €575 | €578 | €634 | €653 | €672 | ▲ 3.0% |
| Gross operating margin9900 | -€5,818 | €46,299 | -€8,857 | -€8,600 | €3,608 | ▲ 142% |
| Operating profit (loss)9901 | -€7,892 | €44,156 | -€10,480 | -€10,819 | €1,341 | ▲ 112% |
| Financial charges65/66B | €122 | €133 | €1 | €29 | €58 | ▲ 103% |
| Recurring financial charges65 | €122 | €133 | €1 | €29 | €58 | ▲ 103% |
| Profit (loss) for the period before taxes9903 | -€8,014 | €44,023 | -€10,481 | -€10,848 | €1,283 | ▲ 112% |
| Income taxes67/77 | €156 | €11,907 | €171 | €174 | €175 | ▲ 0.6% |
| Profit (loss) for the period9904 | -€8,170 | €32,116 | -€10,651 | -€11,022 | €1,108 | ▲ 110% |
| Profit (loss) for the period to be appropriated9905 | -€8,170 | €32,116 | -€10,651 | -€11,022 | €1,108 | ▲ 110% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €20,786 | €56,055 | €44,203 | €34,125 | €32,953 | ▼ 3.4% |
| Fixed assets21/28 | €3,139 | €1,574 | €585 | €3,075 | €1,480 | ▼ 51.9% |
| Tangible fixed assets22/27 | €3,139 | €1,574 | €585 | €3,075 | €1,480 | ▼ 51.9% |
| Furniture and vehicles24 | €3,139 | €1,574 | €585 | €3,075 | €1,480 | ▼ 51.9% |
| Current assets29/58 | €17,647 | €54,481 | €43,618 | €31,051 | €31,474 | ▲ 1.4% |
| Amounts receivable within one year40/41 | €244 | €10,000 | €22,009 | €17,260 | €13,825 | ▼ 19.9% |
| Trade receivables40 | - | €10,000 | €19,680 | €17,260 | €10,000 | ▼ 42.1% |
| Other amounts receivable41 | €244 | €0 | €2,329 | €0 | €3,825 | - |
| Cash at bank and in hand54/58 | €17,101 | €44,242 | €21,278 | €13,476 | €17,649 | ▲ 31.0% |
| Deferred charges and accrued income490/1 | €302 | €239 | €331 | €314 | €0 | ▼ 100% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €20,786 | €56,055 | €44,203 | €34,125 | €32,953 | ▼ 3.4% |
| Equity10/15 | €18,374 | €50,490 | €39,839 | €28,817 | €29,925 | ▲ 3.8% |
| Contributions10/11 | €18,600 | €18,600 | €20,460 | €20,460 | €20,460 | = |
| Reserves13 | €1,860 | €31,890 | €19,379 | €8,357 | €9,465 | ▲ 13.3% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €0 | - | - | - |
| Other1319 | €1,860 | €1,860 | €0 | - | - | - |
| Distributable reserves133 | €0 | €30,030 | €19,379 | €8,357 | €9,465 | ▲ 13.3% |
| Profit (loss) carried forward14 | -€2,086 | €0 | - | - | - | - |
| Amounts payable17/49 | €2,412 | €5,565 | €4,364 | €5,308 | €3,028 | ▼ 42.9% |
| Amounts payable within one year42/48 | €2,412 | €5,565 | €4,364 | €5,308 | €3,028 | ▼ 42.9% |
| Trade debts44 | €1,167 | €280 | €3,438 | €1,440 | €1,109 | ▼ 23.0% |
| Suppliers440/4 | €1,167 | €280 | €3,438 | €1,440 | €1,109 | ▼ 23.0% |
| Taxes, remuneration and social security45 | €1,245 | €5,184 | €926 | €3,817 | €1,861 | ▼ 51.2% |
| Taxes450/3 | €1,245 | €5,184 | €926 | €3,817 | €1,861 | ▼ 51.2% |
| Other amounts payable47/48 | - | €101 | €0 | €51 | €59 | ▲ 14.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€8,170 | €32,116 | -€10,651 | -€11,022 | €1,108 | ▲ 110% |
| + Depreciation and write-downs630 | €1,498 | €1,565 | €989 | €1,566 | €1,595 | ▲ 1.8% |
| Operating cash flow (approximation) | -€6,672 | €33,681 | -€9,662 | -€9,456 | €2,703 | ▲ 129% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€4,056 | €0 | ▲ 100% |
| Change in cash | - | €27,141 | -€22,965 | -€7,801 | €4,172 | ▲ 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-12
Financial
Back to profitnet €1,108
Net result €1,108 after 2 loss-making years.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 1 day late
2024
30-12
Financial
Weakest financial yearnet -€11,022
Net result drops to -€11,022, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 1 day late
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 1 day late
2022
30-12
Financial
Back to profitnet €32,116
Net result €32,116 after one loss-making year.
31-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 1 day late
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
12-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 13 days late
2019
30-12
Financial
Liquidity times 23current ratio 124.66
Current ratio from 5.44 to 124.66; short-term debt falls from €4,624 to €158.
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Schilde · 1 establishment unit since 2015
Ground area
2,004 m²
Building footprint
222 m²
Volume, LiDAR
1,203 m³
Parcel 11039A0255/00N000, Flanders · tallest building 22.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
BLUE FIN
since 20152.242.346.822
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11039A0255/00N000 | Flanders | 2,004 m² | 1 · 222 m² | 22.6 m · 1 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.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 8,793 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
Founded04-05-2015
Fiscal year end30-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
73300Public relations and communication consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0630643223
Registered
29-07-2024
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.