Financials
- Financial year
- 2025
- Total assets
- €1.2m
- Profit
- €304,541
- Solvency
- 62.4%
Total assets▼ 3.0%
Net result
20182025
Summary
Cabay & fils 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 €771,613 and a net result of €304,541. Equity is shrinking by about 3% per year across the filed financial years. Its solvency ranks better than 67% of 598 sector peers (NACE 66, financial year 2025). The company has been active since 1982 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Insurance agents and brokers
NACE 66220Other activities auxiliary to financial services, excluding insurance and pension funding NACE 66199
Oldest company in Aubel, Finance and insurance sector1 site
Size
€1.2mtotal assets 2025
- Staff
- 6.1 FTE
- Equity
- €771,613
- Profit
- €304,541
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
Structure
- Largest shareholder
- FXCM · 49.6%
Accounts 51 days early0 of 8 deeds read
SignalsneutralLatest accounts filed on timeShow the evidence
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.
Bankruptcy probability, 12 months
This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.
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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 10-06-2026, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
51 days early
2024
29 days early
2023
36 days early
2022
40 days early
2021
39 days early
2020
30 days late
2019
36 days 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 29 days before the deadline; the sector median (NACE 66) for financial year 2024 is 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 22 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
15-10-2026 today31-12-2026 year end31-07-2027 deadline
- Annual accounts filedfinancial year 2025 · full…
- Annual accounts filedfinancial year 2024 · full…
- Highest result from 2018 to 2025net €368,847 ▲23.5%
Key points
- Positive: Oldest company in Aubel, Finance and insurance sectorin the Checked rankings No. 1 View
- Positive: 8 profitable years in a rowprofit 2025: €304,541 8 years View
- Positive: Filed on time since financial year 2021accounts within the deadline every year 5 years View
- Known shareholderslargest: FXCM 49.6% 100% View
By topic
Board & ownership
- Largest shareholder
- FXCM · 49.6%
- Known shareholders
- 100%
Timeline
- Events
- 48
- Since
- 1984
- Next accounts
- by 31-07-2027
- 31-12-2024Liquidity more than triples
- 25-06-2024Annual accounts filed
- 21-06-2023Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Insurance agents and brokersNACE 66220
- Founded
- 30-12-1982
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Go further with this company
How much credit can you give this customer, and on what payment terms?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed Is the workforce growing, and do people stay?Employer check
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