CERTITECH
ActiveSummary
CERTITECH is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. For CERTITECH, at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show equity of €154,096 and a net result of €28,228. Equity is growing by about 8.7% per year across the filed financial years. Its solvency ranks better than 84% of 1,336 sector peers (NACE 66, financial year 2023). The company has been active since 1989 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Insurance agents and brokers
NACE 66220
1 site
Size
€192,355total assets 2023
- Equity
- €154,096
- Profit
- €28,228
Turnover not published (abbreviated or micro format)
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
Structure
- Gregory PoppeManaging director
- Marianne MerchierDirector
2024 accounts not filed, 632 days past the deadline1 of 6 deeds summarised
Signalsraises riskTwo or more financial years not filedneutralLatest 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.
Filing: At least two filing cycles are missing
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.
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
Two signals.
raises riskneutral
raises risk · Two or more financial years not filed
Since the financial year that closed on 30-06-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 10 filingsPosition against the passed deadline
30-06-2024 year end31-01-2025 deadline25-10-2026 today
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2023 was due by 31-01-2024 and was filed on 28-12-2023, 34 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not filed
2024
not filed
2023
34 days early
2022
35 days early
2021
3 days early
2020
26 days late
2019
27 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 4 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 (1)
- Resignations: Marianne Merchier (director) and Gregory…Reappointments: Marianne Merchier (director) and…
- Annual accounts filedfinancial year 2023 · abbreviated…
- Highest result from 2019 to 2023net €28,228 ▲58.8%
Financials · financial year 2023, abbreviated format
2024 annual accounts not yet filed, deadline passed on 31 January 2025 Financial year closed on 30 June 2024; filing due at the latest 7 months after the close (Companies Code art. 3:10). 2 financial years without a filing since the last one filed. Source: NBB filings, as of 25 October 2026.
Equity
€154,096▲ 22.4%
2022 · €125,868
Net result
€28,228▲ 58.8%
2022 · €17,776
Total assets
€192,355▲ 34.0%
2022 · €143,570
Solvency
80.1%▼ 7.6pp
2022 · 87.7%
Trend over the years
2019 to 2023, 5 financial years 2019 to 2023, 5 financial years
After the dip in 2021 the operating result has climbed two years in a row; 2023 is 25% above 2022 and is the highest result in the available series.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€42,296
2023
Net result€28,228
2023
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€192,355
2023
Equity€154,096
2023
Debt€38,259
2023
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital€134,739
2023
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)14.7%
2023
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency80.1%
2023
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio4.52
2023
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the financial year before
favourable
unfavourable
Line20192020202120222023
Operating result€18,926-€23,385▲ 23.6%-€15,595€33,953€42,296▲ 24.6%
Net result€17,994-€16,675within the sector's middle half▼ 7.3%-€16,188below the sector's middle half€17,776within the sector's middle half€28,228within the sector's middle half▲ 58.8%
Equity€107,605-€124,280within the sector's middle half▲ 15.5%€108,092within the sector's middle half▼ 13.0%€125,868within the sector's middle half▲ 16.4%€154,096within the sector's middle half▲ 22.4%
Total assets€130,312-€167,546below the sector's middle half▲ 28.6%€135,332below the sector's middle half▼ 19.2%€143,570within the sector's middle half▲ 6.1%€192,355below the sector's middle half▲ 34.0%
Debt€22,707-€43,266▲ 90.5%€27,240▼ 37.0%€17,702▼ 35.0%€38,259▲ 116%
Working capital€83,761-€87,235within the sector's middle half▲ 4.1%€81,880within the sector's middle half▼ 6.1%€105,396within the sector's middle half▲ 28.7%€134,739within the sector's middle half▲ 27.8%
Solvency82.6%-74.2%above the sector's middle half▼ 8.4pp79.9%above the sector's middle half▲ 5.7pp87.7%above the sector's middle half▲ 7.8pp80.1%above the sector's middle half▼ 7.6pp
Current ratio4.69-3.02within the sector's middle half▼ 1.674.01above the sector's middle half▲ 0.996.95above the sector's middle half▲ 2.954.52above the sector's middle half▼ 2.43
Return on assets (ROA)13.8%-10.0%within the sector's middle half▼ 3.9pp-12.0%below the sector's middle half▼ 21.9pp12.4%within the sector's middle half▲ 24.3pp14.7%within the sector's middle half▲ 2.3pp
Staff (FTE)1below the sector's middle half
above
within
below
the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the abbreviated or micro format does not require them.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €192,355
Fixed assets
€19,357 ▼ 5.4%
Current assets
€172,998 ▲ 40.5%
Equity and liabilities €192,355
Equity
€154,096 ▲ 22.4%
Debt
€38,259 ▲ 116%
Debt's share of the balance-sheet total rises from 12.3% to 19.9%. Equity and debt are higher.
Key figures and ratios
ROE
18.3%▲
2022 · 14.1%
Debt ≤ 1 year
€38,259▲
2022 · €17,702
Income taxes
€13,627▼
2022 · €15,587
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8,914 | €13,724 | €13,778 | €10,298 | €8,328 | ▼ 19.1% |
| Other operating charges640/8 | - | - | - | €1,341 | €3,964 | ▲ 196% |
| Gross operating margin9900 | €29,444 | €38,456 | €24,169 | €45,592 | €54,588 | ▲ 19.7% |
| Operating profit (loss)9901 | €18,926 | €23,385 | -€15,595 | €33,953 | €42,296 | ▲ 24.6% |
| Recurring financial income75 | €1 | €3 | €80 | - | - | - |
| Financial charges65/66B | - | - | - | €590 | €441 | ▼ 25.3% |
| Recurring financial charges65 | €252 | €527 | €673 | €590 | €441 | ▼ 25.3% |
| Profit (loss) for the period before taxes9903 | €18,675 | €22,861 | -€16,188 | €33,363 | €41,855 | ▲ 25.5% |
| Income taxes67/77 | €681 | €6,186 | - | €15,587 | €13,627 | ▼ 12.6% |
| Profit (loss) for the period9904 | €17,994 | €16,675 | -€16,188 | €17,776 | €28,228 | ▲ 58.8% |
| Profit (loss) for the period to be appropriated9905 | €17,994 | €16,675 | -€16,188 | €17,776 | €28,228 | ▲ 58.8% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €130,312 | €167,546 | €135,332 | €143,570 | €192,355 | ▲ 34.0% |
| Fixed assets21/28 | €23,844 | €37,045 | €26,212 | €20,472 | €19,357 | ▼ 5.4% |
| Tangible fixed assets22/27 | €23,809 | €37,010 | €26,177 | €20,437 | €19,322 | ▼ 5.5% |
| Land and buildings22 | - | - | - | €732 | €657 | ▼ 10.2% |
| Plant, machinery and equipment23 | - | - | - | €8,053 | €6,997 | ▼ 13.1% |
| Furniture and vehicles24 | - | - | - | €3,016 | €4,303 | ▲ 42.7% |
| Other tangible fixed assets26 | - | - | - | €8,636 | €7,365 | ▼ 14.7% |
| Financial fixed assets28 | €35 | €35 | €35 | €35 | €35 | = |
| Current assets29/58 | €106,468 | €130,501 | €109,120 | €123,098 | €172,998 | ▲ 40.5% |
| Amounts receivable within one year40/41 | €96,907 | €103,120 | €106,064 | €119,407 | €150,812 | ▲ 26.3% |
| Trade receivables40 | - | - | - | €30,355 | €33,628 | ▲ 10.8% |
| Other amounts receivable41 | - | - | - | €89,052 | €117,184 | ▲ 31.6% |
| Cash at bank and in hand54/58 | €4,816 | €27,381 | €3,056 | €3,383 | €15,162 | ▲ 348% |
| Deferred charges and accrued income490/1 | - | - | - | €308 | €7,024 | ▲ 23× |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €130,312 | €167,546 | €135,332 | €143,570 | €192,355 | ▲ 34.0% |
| Equity10/15 | €107,605 | €124,280 | €108,092 | €125,868 | €154,096 | ▲ 22.4% |
| Contributions10/11 | €61,973 | €61,973 | €61,973 | €61,973 | €61,973 | = |
| Capital10 | - | - | - | €61,973 | €61,973 | = |
| Issued capital100 | - | - | - | €61,973 | €61,973 | = |
| Reserves13 | €42,638 | €42,638 | €42,638 | €42,638 | €42,638 | = |
| Non-distributable reserves130/1 | - | - | - | €6,197 | €6,197 | = |
| Legal reserve130 | - | - | - | €6,197 | €6,197 | = |
| Distributable reserves133 | - | - | - | €36,441 | €36,441 | = |
| Profit (loss) carried forward14 | €2,994 | €19,669 | €3,481 | €21,257 | €49,485 | ▲ 133% |
| Amounts payable17/49 | €22,707 | €43,266 | €27,240 | €17,702 | €38,259 | ▲ 116% |
| Amounts payable within one year42/48 | €22,707 | €43,266 | €27,240 | €17,702 | €38,259 | ▲ 116% |
| Trade debts44 | €1,564 | €7,867 | €3,847 | €3,615 | €5,757 | ▲ 59.3% |
| Suppliers440/4 | - | - | - | €3,615 | €5,757 | ▲ 59.3% |
| Taxes, remuneration and social security45 | - | - | - | €13,800 | €32,502 | ▲ 136% |
| Taxes450/3 | - | - | - | €13,800 | €32,502 | ▲ 136% |
| Other amounts payable47/48 | - | - | - | €287 | - | - |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €17,994 | €16,675 | -€16,188 | €17,776 | €28,228 | ▲ 58.8% |
| + Depreciation and write-downs630 | €8,914 | €13,724 | €13,778 | €10,298 | €8,328 | ▼ 19.1% |
| Operating cash flow (approximation) | €26,908 | €30,399 | -€2,410 | €28,074 | €36,556 | ▲ 30.2% |
| Investment in fixed assets (approximation) | - | -€26,925 | -€2,945 | -€4,558 | -€7,213 | ▼ 58.2% |
| Change in cash | - | €22,565 | -€24,325 | €327 | €11,779 | ▲ 36× |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 31 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 30-06-2023 | abbreviated format | 28-12-2023 | 2023-00538237 |
| 30-06-2022 | micro format | 27-12-2022 | 2022-20546828 |
| 30-06-2021 | abbreviated format | 28-01-2022 | 2022-02400095 |
| 30-06-2020 | abbreviated format | 26-02-2021 | 2021-06200082 |
| 30-06-2019 | abbreviated format | 27-02-2020 | 2020-05700121 |
| 30-06-2018 | abbreviated format | 24-12-2018 | 2018-75900365 |
| 30-06-2017 | abbreviated format | 26-04-2018 | 2018-11600415 |
| 30-06-2016 | abbreviated format | 29-12-2016 | 2016-71800106 |
| 30-06-2015 | abbreviated format | 29-12-2015 | 2015-70800208 |
| 30-06-2014 | abbreviated format | 05-02-2015 | 2015-03900004 |
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Of the 4,607 active companies whose main activity is insurance agents and brokers (NACE 66220), figures are known for 3,210. 2,798 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Subsidies and aid
Flemish government
2022 to 2025 · 4 entries · €2,479 awarded · €2,479 paid| Year | Entries | Awarded | Paid |
|---|---|---|---|
| 2025 | 1 | €0 | €312 |
| 2024 | 1 | €312 | €0 |
| 2022 | 2 | €2,167 | €2,167 |
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Directors
2 directors, 1 in day-to-day management, last change in 2024
Board 2
Gregory Poppe
CurrentDirector (not named in the articles) and managing director
Marianne Merchier
CurrentDirector (not named in the articles)
Day-to-day management 1
Gregory Poppe
CurrentDirector (not named in the articles) and managing director
Derived from published Gazette deeds. The KBO keeps the official list of office holders; we do not read it, so the two can differ.
See the directors and other office holders in the KBO →
Not every act has been read: a resignation may still be missing
5 of this company's 6 Belgian Official Gazette deeds have not been read yet. Appointments and resignations recorded in them are not yet in the list of directors: someone who resigned there may still be listed as sitting. The acts are in the Timeline.
Mandate history
2 people since 2024, 2 in office
- Board
- Day-to-day management
- began earlier
| Name | Functions and periods |
|---|---|
| Gregory Poppe |
|
| Marianne Merchier |
|
Owners and capital
Capital and shareholders
Capital over the years
- 11-01-2024 Capital stated in the deed · €61,973.38 · 250 shares
Group and network
Connections & network
2 current directorsThe network starts from this company’s directors. Other companies they run appear here as nodes.
This company
Company
Director
Shareholding
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History
Acts, filings and financial milestones
2024
11-01
Gazette deed
Resignations: Marianne Merchier (director) and Gregory Poppe (director)Reappointments: Marianne Merchier (director) and Gregory Poppe (director and managing director) · Amendment of the articles · Capital11 facts ▸
Gazette deed
Resignations: Marianne Merchier (director) and Gregory Poppe (director)
Reappointments: Marianne Merchier (director) and Gregory Poppe (director and managing director) · Amendment of the articles · Capital11 facts ▸
- General meeting, “eenparigheid, geldig samengesteld” (deed in Dutch)
- Amendment of the articles (2 times)
- Capital, €61,973.38
- Director resignation, Marianne Merchier (director)
- Director resignation, Gregory Poppe (director)
- Director reappointment, Marianne Merchier (director (not named in the articles))
- Director reappointment, Gregory Poppe (director (not named in the articles) and managing director)
- Director discharge, Marianne Merchier
- Director discharge, Gregory Poppe
- Power of attorney
- Other provision, “stemming voorgaande beslissingen, eenparigheid van stemmen” (deed in Dutch)
2023
28-12
NBB filing
Annual accounts filed
financial year 2023 · abbreviated format
30-06
Financial
Highest result from 2019 to 2023net €28,228 ▲58.8%
Operating result €42,296, net result €28,228, both a record.
30-06
Financial
Equity above €150,000equity €154,096 ▲22.4%
2 profitable years in a row build equity to €154,096.
2022
27-12
NBB filing
Annual accounts filed
financial year 2022 · micro format
30-06
Financial
Back to profitnet €17,776
Net result €17,776 after one loss-making year.
28-01
NBB filing
Annual accounts filed
financial year 2021 · abbreviated format
2021
30-06
Financial
Weakest financial yearnet -€16,188
Net result drops to -€16,188, the lowest in the series; recovery starts the following year.
26-02
NBB filing
Annual accounts filed
financial year 2020 · abbreviated format · 26 days late
2020
27-02
NBB filing
Annual accounts filed
financial year 2019 · abbreviated format · 27 days late
2018
24-12
NBB filing
Annual accounts filed
financial year 2018 · abbreviated format
26-04
NBB filing
Annual accounts filed
financial year 2017 · abbreviated format · 85 days late
Show earlier events
2016
29-12
NBB filing
Annual accounts filed
financial year 2016 · abbreviated format
2015
29-12
NBB filing
Annual accounts filed
financial year 2015 · abbreviated format
05-02
NBB filing
Annual accounts filed
financial year 2014 · abbreviated format · 5 days late
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.Of the 31 annual accounts filed, the latest 10 are here; all 31 are under Financials.
1 of 6 deeds read
About the unread acts
Of the 6 Belgian Official Gazette deeds we know for this company, 1 has been read. The other 5 have not been read yet: what they contain is neither established nor disproved here.
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Register details
Identification
Legal formPublic limited company
Founded26-09-1989
Financial year end30-06
Activities, NACEBEL 2025
66220Insurance agents and brokers
43350Other building finishing work
71209Other technical testing and analysis
E-invoicing
Reachable via Peppol
Peppol ID
0208:0438501564
Registered
05-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 25 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice, with enterprise number 0438.501.564
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
Location & real-estate footprint
Registered office, Gent · 1 establishment unit since 2011
Ground area
990 m²
Building footprint
349 m²
Building volume
3,686 m³
2 parcels, Flanders · tallest building 20.2 m. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Vastgoed Poppe
since 2011unit no. 2.213.001.946
2 parcels
Flanders
2
(100%)
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 44017A0895/00E002 | Flanders | 646 m² | 1 · 118 m² | 3.6 m |
| 44815F3623/00L000 | Flanders | 344 m² | 1 · 231 m² | 20.2 m · 5 |
How the parcels are linked
Good to know
Both parcels match the address exactly.
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “Expertise en schatting,beheer,valoriseren en het laten bouwen,omvormen of verbouwen van onroerende goederen van alle aard,alsmede de…” (deed in Dutch)
16 activities (deed in Dutch)
- Expertise en schatting,beheer,valoriseren en het laten bouwen,omvormen of verbouwen van onroerende goederen van alle aard,alsmede de coördinatie en de leiding van dergelijke werken;alle studies ontwerpen en plannen opvatten,maken en uitwerken;
- Het vormen van publiciteit in de breedste zin van het woord,met inzonderheid het inzamelen,plaatsen van advertenties en publicitaire drukwerken;
- Het uitvoeren van (veiligheids)coördinerende functies voor en op alle bouwwerken in de ruimste zin van het woord;
- Het optreden als tussenpersoon in de handel in roerende en onroerende goederen en handelsfondsen;
- Het verlenen van adviezen in de materies van energie,milieu,klimaat,administratieve en logistieke organisatie,veiligheid en kwaliteit in de ruimste zin van het woord,zowel voor bedrijven als voor particulieren;
- Het optreden als energiedeskundige overeenkomstig het Decreet van 22 december 2006 houdende eisen en handhavingsmaatregelingen op het vlak van de energieprestaties en het binnenklimaat van gebouwen en tot uitvoering van een energieprestatiecertificaat en tot wijziging van artikel 22 van het decreet en zijn latere wijzigingen en/of overeenkomstig alle andere wetten,decreten en reglementen die dezelfde materie behandelen;
- Het coachen en het opvolgen van bedrijven,bedrijfsafdelingen en hun verantwoordelijken,bij het opzetten en het implementeren van programma’s tot het verbeteren van energie,milieu,klimaat,administratieve en logistieke organisatie,veiligheid en kwaliteit,dit alles in de ruimste zin van het woord;
- Het optreden als dienstverlenende organisatie in de ruimste zin van het woord,waaronder,doch niet beperkend,administratieve ondersteuning en dienstverlening,vertaaldiensten,telecommunicatiediensten,IT-diensten,verkoopdiensten,logistieke diensten,en zo verder;
- Alle vormen van coördinatie tussen actoren aangaande energie,veiligheid,milieu,klimaat en elektrische installaties,in de ruimste zin van het woord;
- Alle consultancy en keuringsopdrachten en/of activiteiten voor energie,milieu,klimaat,veiligheid,technische installaties,gas,enzovoort;
- Alle metingen en adviezen,keuring van materialen;
- Handel in auto’s;
- Onderhoud en reparatie van motorvoertuigen;
- Handel in onderdelen en accessoires van motorvoertuigen;
- Handel in en onderhoud en reparatie van motorfietsen en delen en toebehoren van motorfietsen;
- Verhuur en lease van motorvoertuigen
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- CERTITECH
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Vlaams Gewest, mag administratieve zetels,agentschappen,ateliers,opslagplaatsen,bijhuizen en exploitatiezetels oprichten of opheffen zowel…” (deed in Dutch)
Who represents it, and how
- Board ruleHow the board is made up, meets and takes decisions.
- “6 jaar, 3” (deed in Dutch)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Third Friday of November at 19:00
Oversight and winding up
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Een of meer, algemene vergadering” (deed in Dutch)“Algemene vergadering anders bij gewone meerderheid, alle verrichtingen vermeld in wet” (deed in Dutch)