Summary
CATPO 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 €1.3m and a net result of €492,022. Equity is growing by ~15.2% per year across the filed fiscal years. Its solvency ranks better than 83% of 2469 sector peers (fiscal year 2025). The company has been active since 2006 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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
86 d early
2023
90 d early
2022
42 d early
2021
25 d early
2020
58 d early
2019
29 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 52 days before 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 19 June (4 of the last 5 filed years within 44 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
In the rankings
#7 oldest company in Retie, Finance and insurance sector#9 company by equity in Retie, Finance and insurance sector
Equity
€1.3m▲ 32.5%
2024 · €999,834
Net result
€492,022▲ 168%
2024 · €183,257
Total assets
€1.6m▼ 23.5%
2024 · €2.0m
Solvency
84.6%▲ 35.7pp
2024 · 48.8%
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
Line20212022202320242025
Operating result€135,895▲ 11.9%€131,585▼ 3.2%€105,187▼ 20.1%€95,501▼ 9.2%€93,552▼ 2.0%
Net result€189,284above the sector's middle half▲ 13.5%€199,756above the sector's middle half▲ 5.5%€240,330above the sector's middle half▲ 20.3%€183,257above the sector's middle half▼ 23.7%€492,022above the sector's middle half▲ 168%
Equity€787,317above the sector's middle half▲ 22.6%€911,532above the sector's middle half▲ 15.8%€1.0mabove the sector's middle half▲ 12.3%€999,834above the sector's middle half▼ 2.3%€1.3mabove the sector's middle half▲ 32.5%
Total assets€988,641above the sector's middle half▲ 8.0%€1.1mabove the sector's middle half▲ 11.7%€1.2mabove the sector's middle half▲ 12.2%€2.0mabove the sector's middle half▲ 65.3%€1.6mabove the sector's middle half▼ 23.5%
Debt€201,324▼ 26.4%€192,480▼ 4.4%€214,732▲ 11.6%€1.0m▲ 388%€241,677▼ 76.9%
Working capital€157,184within the sector's middle half▲ 830%€266,924above the sector's middle half▲ 69.8%€375,330above the sector's middle half▲ 40.6%-€432,554below the sector's middle half€441,090above the sector's middle half
Solvency79.6%above the sector's middle half▲ 9.5pp82.6%above the sector's middle half▲ 2.9pp82.7%above the sector's middle half▲ 0.1pp48.8%within the sector's middle half▼ 33.8pp84.6%above the sector's middle half▲ 35.7pp
Current ratio2.00within the sector's middle half▲ 0.922.64within the sector's middle half▲ 0.642.88within the sector's middle half▲ 0.240.59below the sector's middle half▼ 2.292.83within the sector's middle half▲ 2.24
Return on assets (ROA)19.1%within the sector's middle half▲ 0.9pp18.1%above the sector's middle half▼ 1.1pp19.4%above the sector's middle half▲ 1.3pp8.9%within the sector's middle half▼ 10.5pp31.4%above the sector's middle half▲ 22.5pp
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 abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 2% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.6m
Fixed assets
€883,964 ▼ 38.3%
Current assets
€682,768 ▲ 11.0%
Equity and liabilities €1.6m
Equity
€1.3m ▲ 32.5%
Debt
€241,677 ▼ 76.9%
Debt's share of the balance-sheet total falls from 51.2% to 15.4%. Equity is higher and debt is lower.
Key figures and ratios
ROE
37.1%▲
2024 · 18.3%
Debt ≤ 1 year
€241,677▼
2024 · €1.0m
Income taxes
€81,878▲
2024 · €44,854
Staff costs
€349▼
2024 · €649
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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €200 | €427 | €443 | €649 | €349 | ▼ 46.2% |
| Other operating charges640/8 | €954 | €987 | €239 | €249 | €255 | ▲ 2.4% |
| Gross operating margin9900 | €137,049 | €133,000 | €105,869 | €96,399 | €94,155 | ▼ 2.3% |
| Operating profit (loss)9901 | €135,895 | €131,585 | €105,187 | €95,501 | €93,552 | ▼ 2.0% |
| Financial income75/76B | €110,091 | €124,246 | €189,145 | €133,398 | €481,117 | ▲ 261% |
| Recurring financial income75 | €110,091 | €124,246 | €189,145 | €133,398 | €481,117 | ▲ 261% |
| Financial charges65/66B | €4,049 | €2,860 | €1,837 | €788 | €768 | ▼ 2.6% |
| Recurring financial charges65 | €4,049 | €2,860 | €1,837 | €788 | €768 | ▼ 2.6% |
| Profit (loss) for the period before taxes9903 | €241,937 | €252,972 | €292,495 | €228,111 | €573,901 | ▲ 152% |
| Income taxes67/77 | €52,653 | €53,216 | €52,165 | €44,854 | €81,878 | ▲ 82.5% |
| Profit (loss) for the period9904 | €189,284 | €199,756 | €240,330 | €183,257 | €492,022 | ▲ 168% |
| Profit (loss) for the period to be appropriated9905 | €189,284 | €199,756 | €240,330 | €183,257 | €492,022 | ▲ 168% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €988,641 | €1.1m | €1.2m | €2.0m | €1.6m | ▼ 23.5% |
| Fixed assets21/28 | €674,149 | €674,149 | €663,273 | €1.4m | €883,964 | ▼ 38.3% |
| Financial fixed assets28 | €674,149 | €674,149 | €663,273 | €1.4m | €883,964 | ▼ 38.3% |
| Current assets29/58 | €314,492 | €429,864 | €575,192 | €615,262 | €682,768 | ▲ 11.0% |
| Amounts receivable after more than one year29 | - | - | - | €125,000 | €125,000 | = |
| Other amounts receivable291 | - | - | - | €125,000 | €125,000 | = |
| Amounts receivable within one year40/41 | €49,403 | €49,403 | €49,403 | €86,449 | €27,765 | ▼ 67.9% |
| Other amounts receivable41 | €49,403 | €49,403 | €49,403 | €86,449 | €27,765 | ▼ 67.9% |
| Current investments50/53 | - | €218,095 | €462,648 | €263,336 | €463,336 | ▲ 75.9% |
| Cash at bank and in hand54/58 | €265,070 | €162,365 | €63,142 | €140,477 | €66,666 | ▼ 52.5% |
| Deferred charges and accrued income490/1 | €20 | €0 | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €988,641 | €1.1m | €1.2m | €2.0m | €1.6m | ▼ 23.5% |
| Equity10/15 | €787,317 | €911,532 | €1.0m | €999,834 | €1.3m | ▲ 32.5% |
| Contributions10/11 | €18,550 | €18,550 | €18,550 | €18,550 | €18,550 | = |
| Reserves13 | €768,767 | €892,982 | €1.0m | €981,284 | €1.3m | ▲ 33.1% |
| Non-distributable reserves130/1 | €1,855 | €1,855 | €0 | - | - | - |
| Reserves not available under the articles1311 | €1,855 | €1,855 | €0 | - | - | - |
| Distributable reserves133 | €766,912 | €891,127 | €1.0m | €981,284 | €1.3m | ▲ 33.1% |
| Profit (loss) carried forward14 | €0 | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €201,324 | €192,480 | €214,732 | €1.0m | €241,677 | ▼ 76.9% |
| Amounts payable after more than one year17 | €44,015 | €29,541 | €14,870 | €0 | - | - |
| Financial debts170/4 | €44,015 | €29,541 | €14,870 | €0 | - | - |
| Amounts payable within one year42/48 | €157,308 | €162,940 | €199,862 | €1.0m | €241,677 | ▼ 76.9% |
| Current portion of amounts payable after more than one year42 | €26,619 | €14,475 | €14,670 | €14,870 | €0 | ▼ 100% |
| Trade debts44 | €1,010 | €138 | €148 | €231 | €0 | ▼ 100% |
| Suppliers440/4 | €1,010 | €138 | €148 | €231 | €0 | ▼ 100% |
| Taxes, remuneration and social security45 | €42,459 | €51,203 | €48,474 | €42,976 | €70,851 | ▲ 64.9% |
| Taxes450/3 | €42,459 | €51,203 | €48,474 | €42,976 | €70,851 | ▲ 64.9% |
| Other amounts payable47/48 | €87,221 | €97,124 | €136,570 | €989,739 | €170,827 | ▼ 82.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €189,284 | €199,756 | €240,330 | €183,257 | €492,022 | ▲ 168% |
| Operating cash flow (approximation) | €189,284 | €199,756 | €240,330 | €183,257 | €492,022 | ▲ 168% |
| Investment in fixed assets (approximation) | - | €0 | €10,876 | -€769,116 | €548,425 | ▲ 171% |
| Change in cash | - | -€102,704 | -€99,224 | €77,336 | -€73,811 | ▼ 195% |
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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €492,022 ▲168%
Net result €492,022, the highest in the series.
31-12
Financial
Liquidity times 5current ratio 2.83
Current ratio from 0.59 to 2.83; short-term debt falls from €1.0m to €241,677.
31-12
Financial
Equity above €1mEq €1.3m ▲32.5%
8 profitable years in a row build equity to €1.3m.
06-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €1mEq €1.0m ▲12.3%
6 profitable years in a row build equity to €1.0m.
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
03-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €500,000Eq €540,575 ▲62.1%
2 profitable years in a row build equity to €540,575.
Show earlier events
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Retie · 1 establishment unit since 2006
Ground area
1,857 m²
Building footprint
252 m²
Volume, LiDAR
1,085 m³
Parcel 13036F0902/00H003, Flanders · tallest building 6.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
CATPO
since 20062.151.684.484
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13036F0902/00H003 | Flanders | 1,857 m² | 1 · 252 m² | 6.3 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.
Structure & network
Owners and holdings
2 holdingsOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 2
-
40.8%
-
30.11%
According to the 2025 annual accounts of CATPO and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 4,674 companies in sector 66220 we hold annual accounts for 3,222. 1,974 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
Founded07-02-2006
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
E-invoicing
Not found in the Peppol register
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Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.