COMPASS

Active Risk: not assessed Public limited companyfounded 1991active for 34 yearsLuikersteenweg 214, 3700 Tongeren-BorgloonKBO/BCE: BE 0446.566.620 #5 company by total assets in Tongeren-Borgloon, Finance and insurance sector

COMPASS

Financial year 2025

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Annual accounts 2025

abbreviated format, filed on 21-09-2026, 52 days late

€9.9m

▲ 120%

€17.4m

▲ 51.7%

-€355,492

▼ €254,653

57.0%

▲ 17.7 percentage points

-3.6%

▼ 1.3 percentage points

-2.0%

▼ 1.2 percentage points

Turnover and EBIT margin are not published. The abbreviated format does not require them. The turnover shown is an estimate from the gross margin.

In the rankings #5 company by total assets in Tongeren-Borgloon, Finance and insurance sector #6 company by equity in Tongeren-Borgloon, Finance and insurance sector #10 oldest company in Tongeren-Borgloon, Finance and insurance sector

Balance sheet

balance sheet total €17.4m on 31-12-2025

What the company ownsHow it is paid for

in €m

in euro

Position in the sector

Compare with sector

57.0%

Higher than 56% of 7,180 companies in 2025.

-2.0%

Higher than 11% of 7,142 companies in 2025.

COMPASS Middle half of the sector 80% of the sector Abbreviated accounts in financial services (NACE 64)

Net result: bottom quarter · Equity: top quarter · Balance sheet total: top quarter

Filed annual accounts

as filed with the National Bank, click a year to choose it

Line	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006
Balance sheet: assets
`20/58`	17.4m	11.5m	6.7m	7.2m	6.1m	6.0m	5.4m	3.6m	3.8m	6.1m	4.7m	4.6m	4.9m	5.4m	5.4m	5.1m	4.0m	2.8m	1.7m	1.6m
`21/28`	17.0m	8.9m	5.8m	5.6m	5.2m	4.8m	2.6m	3.1m	3.3m	5.4m	4.3m	4.1m	4.3m	4.8m	5.0m	4.6m	3.5m	1.7m	927,540	979,704
`22/27`	16.6m	8.5m	5.4m	5.0m	4.6m	4.8m	2.6m	3.1m	3.3m	5.4m	4.3m	4.1m	4.3m	4.8m	5.0m	4.6m	3.4m	1.6m	833,064	885,228
`22`	15.6m	8.3m	5.3m	4.9m	4.5m	4.8m	2.6m	3.0m	3.3m	5.4m	4.3m	4.1m	4.3m	4.8m	5.0m	4.6m	3.4m	1.6m	833,064	885,228
`23`	56,894	12,849	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
`26`	962,690	130,789	130,789	130,789	130,789	60,789	60,789	60,789	60,789	-	-	-	-	-	-	-	-	-	-	-
`28`	432,354	432,354	432,354	579,267	579,267	-	-	-	-	-	-	-	-	-	-	32,226	94,476	94,476	94,476	94,476
`29/58`	434,556	2.6m	906,006	1.6m	878,558	1.2m	2.7m	533,816	501,053	722,669	364,453	511,389	575,309	625,648	367,665	460,620	520,882	1.2m	792,512	594,733
`40/41`	66,686	124,555	72,114	734,182	41,168	293,450	4,841	32,498	5,230	458,697	154,261	83,616	7,989	448,271	191,237	346,878	367,069	462,379	380,233	401,606
`40`	208	94,116	48,463	706,923	21,168	215,874	4,372	15,394	3,994	10,281	3,082	13,829	7,989	421,823	11,204	20,167	4,538	132,414	130,233	137,015
`41`	66,478	30,439	23,651	27,259	20,000	77,576	469	17,104	1,236	448,416	151,179	69,787	-	26,448	180,033	326,711	362,531	329,965	250,000	264,591
`50/53`	-	2.2m	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
`54/58`	367,869	247,532	821,604	866,218	837,385	927,011	2.7m	501,310	449,958	254,455	210,181	427,761	558,537	177,363	96,391	45,996	108,891	682,655	402,588	193,127
`490/1`	1	2	12,288	4	5	6	7	8	45,865	9,516	11	12	8,783	14	80,037	67,746	44,922	11,577	9,691	-
Balance sheet: equity and liabilities
`10/49`	17.4m	11.5m	6.7m	7.2m	6.1m	6.0m	5.4m	3.6m	3.8m	6.1m	4.7m	4.6m	4.9m	5.4m	5.4m	5.1m	4.0m	2.8m	1.7m	1.6m
`10/15`	9.9m	4.5m	4.6m	4.5m	4.3m	4.1m	3.9m	2.5m	2.2m	1.9m	2.0m	2.4m	2.2m	2.2m	2.0m	1.9m	1.8m	1.8m	1.7m	1.6m
`10/11`	1.8m	1.8m	1.8m	1.8m	1.8m	1.8m	1.8m	1.8m	1.8m	1.8m	1.8m	1.8m	1.8m	74,000	74,000	74,000	74,000	74,000	74,000	74,000
`10`	1.8m	1.8m	1.8m	1.8m	1.8m	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
`100`	1.8m	1.8m	1.8m	1.8m	1.8m	1.8m	1.8m	1.8m	1.8m	1.8m	1.8m	1.8m	1.8m	74,000	74,000	74,000	74,000	74,000	74,000	74,000
`12`	5.8m	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
`13`	1.1m	1.2m	1.3m	1.2m	1.3m	1.4m	1.4m	176,400	176,400	176,400	176,400	176,400	176,400	151,871	151,871	151,871	151,871	151,871	151,871	151,871
`130/1`	176,400	176,400	176,400	176,400	176,400	176,400	-	-	-	-	-	-	-	-	-	-	-	-	-	-
`130`	176,400	176,400	176,400	176,400	176,400	176,400	176,400	176,400	176,400	176,400	176,400	176,400	176,400	7,400	7,400	7,400	7,400	7,400	7,400	7,400
`132`	972,597	1.0m	1.1m	1.1m	1.1m	1.2m	1.2m	-	-	-	-	-	-	-	-	-	-	-	-	-
`133`	-	-	-	-	-	-	-	-	-	-	-	-	-	144,471	144,471	144,471	144,471	144,471	144,471	144,471
`14`	1.3m	1.5m	1.6m	1.5m	1.2m	963,587	765,430	546,555	297,021	8,096	25,202	442,775	270,916	1.9m	1.7m	1.7m	1.6m	1.6m	1.5m	1.3m
`16`	408,540	436,159	463,777	447,540	472,298	496,915	508,417	-	-	-	-	-	-	-	-	-	-	-	-	-
`168`	408,540	436,159	463,777	447,540	472,298	496,915	508,417	-	-	-	-	-	-	-	-	-	-	-	-	-
`17/49`	7.1m	6.5m	1.7m	2.2m	1.3m	1.5m	936,761	1.1m	1.6m	4.1m	2.7m	2.2m	2.7m	3.3m	3.5m	3.1m	2.2m	1.0m	28,897	23,311
`17`	4.2m	4.5m	-	-	-	-	-	-	242,872	728,584	1.2m	1.7m	2.2m	2.7m	-	-	-	-	-	-
`170/4`	4.2m	4.5m	-	-	-	-	-	-	242,872	728,584	1.2m	1.7m	2.2m	2.7m	-	-	-	-	-	-
`42/48`	2.9m	2.0m	1.7m	2.2m	1.3m	1.5m	936,521	1.1m	1.3m	3.4m	1.5m	507,988	495,625	541,921	3.4m	3.1m	2.1m	1.0m	28,510	23,311
`42`	333,333	333,333	-	-	-	-	-	242,872	485,712	485,712	485,712	485,712	485,712	485,712	-	-	-	-	-	-
`44`	69,879	23,937	21,722	756,264	2,442	520,946	1,845	1,153	997	9,842	1,961	3,829	5,617	13,667	15,677	8,474	736,745	101	27	20
`440/4`	69,879	23,937	21,722	756,264	2,442	520,946	1,845	1,153	997	9,842	1,961	3,829	5,617	13,667	15,677	8,474	736,745	101	27	20
`45`	56,651	77,716	130,994	11,247	50,035	37,612	63,385	36,032	15,763	137,573	117,524	13,718	4,296	2,188	38,848	11,961	3,869	23,507	7,657	2,553
`450/3`	56,651	77,716	130,994	11,247	50,035	37,612	63,385	36,032	15,763	137,573	117,524	13,718	4,296	2,188	38,848	8,764	700	20,354	4,515	2,553
`454/9`	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	3,197	3,169	3,153	3,142	-
`47/48`	2.5m	1.6m	1.5m	1.4m	1.3m	895,636	871,291	844,290	834,964	2.8m	909,870	4,728	-	40,354	3.4m	3.0m	1.4m	1.0m	20,826	20,738
`492/3`	180	190	5,940	1,436	12,220	1,611	240	18,695	12,260	-	-	-	13,564	40,354	806	87,161	38,307	1,290	387	-
Income statement
`76A`	116,700	-	148,578	145,000	-	-	1.7m	-	-	25,348	21,320	-	8,567	-	-	-	-	-	-	-
`9900`	788,182	736,689	730,869	690,548	548,672	478,171	2.4m	680,908	658,330	647,208	610,831	600,667	663,437	664,992	474,535	520,208	350,856	293,617	240,043	261,340
`630`	706,075	460,482	331,905	300,383	299,770	252,145	226,463	232,756	232,752	232,752	256,480	256,480	255,950	255,945	288,012	252,932	243,951	165,468	52,164	52,165
`631/4`	-	-	-1,500	-	-	-	-	1,500	-	-	-	-	-	-	-8,698	-	-	-	-	-
`640/8`	155,046	96,054	75,207	31,520	34,760	29,690	48,790	43,128	42,336	49,683	49,103	50,985	50,196	45,546	41,115	35,718	35,547	32,162	28,146	27,597
`66A`	-	-	-	-	-	-	-	-	-	-	-	-	-	10,202	32,226	62,249	-	-	-	-
`9901`	-72,939	180,153	325,257	358,645	214,142	196,336	2.1m	403,524	383,242	364,773	305,248	293,202	357,291	363,500	154,106	231,558	71,358	95,987	159,733	181,578
`75/76B`	7,466	7,201	-	-	-	-	349	1,017	87,414	-	431	344	544	869	8,490	8,857	16,451	21,219	15,402	5,366
`75`	7,466	7,201	-	-	-	-	349	1,017	87,414	-	431	344	544	869	8,490	8,857	16,451	21,219	15,402	5,366
`65/66B`	317,637	315,811	83,709	43,157	48,558	37,066	40,908	50,025	88,914	123,760	53,793	59,758	70,202	79,769	98,796	86,427	37,172	20	21	21
`65`	317,637	315,811	83,709	43,157	48,558	37,066	40,908	50,025	88,914	123,760	53,793	59,758	70,202	79,769	98,796	86,427	37,172	20	21	21
`9903`	-383,110	-128,457	241,548	315,488	165,584	159,270	2.1m	354,516	381,742	241,014	273,205	233,788	296,200	274,399	31,574	91,739	50,637	117,186	175,114	186,923
`780`	27,618	27,618	27,712	24,758	24,617	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
`680`	-	-	43,949	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
`67/77`	-	-	152,899	69,830	-	-	171,438	104,982	92,817	60,000	71,018	61,929	55,913	75,058	-	11,653	-	11,172	35,085	43,051
`9904`	-355,492	-100,839	72,412	270,416	190,201	170,773	1.4m	249,534	288,925	181,014	202,187	171,859	240,287	199,341	31,574	80,086	50,637	106,014	140,029	143,872
`789`	65,750	65,750	65,974	58,939	58,605	27,384	-	-	-	-	-	-	-	-	-	-	-	-	-	-
`689`	-	-	104,629	-	-	-	1.2m	-	-	-	-	-	-	-	-	-	-	-	-	-
`9905`	-289,742	-35,089	33,757	329,355	248,806	198,157	218,875	249,534	288,925	181,014	202,187	171,859	240,287	199,341	31,574	80,086	50,637	106,014	140,029	143,872
Appropriation of the result
`9906`	1.3m	1.5m	1.6m	1.5m	1.2m	963,587	765,430	546,555	297,021	206,216	644,962	442,775	2.2m	1.9m	1.7m	1.7m	1.6m	1.6m	1.5m	1.3m
`14P`	1.5m	1.6m	1.5m	1.2m	963,587	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
`791/2`	-	-	-	-	-	-	-	-	-	-	-	-	144,471	-	-	-	-	-	-	-
`691/2`	-	-	-	-	-	-	-	-	-	-	-	-	169,000	-	-	-	-	-	-	-
`6920`	-	-	-	-	-	-	-	-	-	-	-	-	169,000	-	-	-	-	-	-	-
`694/7`	-	-	-	-	-	-	-	-	-	198,120	619,760	-	1.9m	-	-	-	-	-	-	-
`694`	-	-	-	-	-	-	-	-	-	198,120	619,760	-	1.9m	-	-	-	-	-	-	-
Document	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF

The accounts for 14 older financial years (1992-2005) were filed as documents without figures as data, scans for example.

The notes to these accounts have 13 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.

Source: Annual accounts 2025 at the NBB, filed on 21-09-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank

Financial year	Type	Filed	Reference	Document
31-12-2025	abbreviated format	21-09-2026	2026-00519972	PDF
31-12-2024	abbreviated format	29-07-2025	2025-00334050	PDF
31-12-2023	abbreviated format	26-06-2024	2024-00166433	PDF
31-12-2022	abbreviated format	11-07-2023	2023-00230394	PDF
31-12-2021	abbreviated format	30-08-2022	2022-20418014	PDF
31-12-2020	abbreviated format	05-08-2021	2021-46500110	PDF
31-12-2019	abbreviated format	31-07-2020	2020-38200249	PDF
31-12-2018	abbreviated format	31-07-2019	2019-42100511	PDF
31-12-2017	abbreviated format	31-07-2018	2018-42700370	PDF
31-12-2016	abbreviated format	30-08-2017	2017-55400027	PDF
31-12-2015	abbreviated format	25-08-2016	2016-47500506	PDF
31-12-2014	abbreviated format	28-08-2015	2015-50000518	PDF
31-12-2013	abbreviated format	20-08-2014	2014-43700198	PDF
31-12-2012	abbreviated format	26-08-2013	2013-46000570	PDF
31-12-2011	abbreviated format	31-08-2012	2012-55000253	PDF
31-12-2010	abbreviated format	19-09-2011	2011-54800040	PDF
31-12-2009	abbreviated format	29-09-2010	2010-55600121	PDF
31-12-2008	abbreviated format	31-08-2009	2009-69300374	PDF
31-12-2007	abbreviated format	29-08-2008	2008-67200019	PDF
31-12-2006	abbreviated format	30-08-2007	2007-65600117	PDF
31-12-2005	abbreviated format	20-07-2006	2006-51003819	PDF
31-12-2004	abbreviated format	19-07-2005	2005-52003277	PDF
31-12-2003	abbreviated format	23-07-2004	2004-50002567	PDF
31-12-2002	abbreviated format	30-07-2003	2003-55304620	PDF
31-12-2001	abbreviated format	02-09-2002	2002-52404577	PDF
31-12-2000	abbreviated format	24-07-2001	2001-41801230	PDF
31-12-1999	abbreviated format	24-07-2000	2000-45201212	PDF
31-12-1998	abbreviated format	26-08-1999	1999-42804047	PDF
31-12-1997	abbreviated format	31-08-1998	1998-43600558	PDF
31-12-1996	abbreviated format	26-08-1997	1997-39502135	PDF
31-12-1995	abbreviated format	02-07-1996	1996-30004662	PDF
31-12-1994	abbreviated format	30-06-1995	1995-35101119	PDF
31-12-1993	abbreviated format	29-06-1994	1994-22601970	PDF
31-12-1992	abbreviated format	29-06-1993	1993-20602040	PDF

Key figures and ratios

per financial year, computed from the annual accounts

2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006
3.3m	3.5m	941,625	722,809	669,187	2.4m	-231,213	1	248,665	1.4m	507,210	5,345	-200,000	679	749,771	1.4m	2.1m	904,200	0	-
120,337	-574,072	-44,614	28,833	-89,626	-1.8m	2.2m	51,352	195,503	44,274	-217,580	-130,776	381,174	80,972	50,395	-62,895	-573,764	280,067	209,461	-
57.0%	39.3%	68.5%	63.1%	70.5%	67.7%	73.0%	68.5%	58.4%	32.0%	41.9%	51.9%	45.1%	39.9%	36.2%	38.0%	45.9%	63.7%	98.3%	98.5%
-3.6%	-2.2%	1.6%	5.9%	4.4%	4.2%	36.5%	10.0%	12.9%	9.3%	10.3%	7.2%	10.9%	9.2%	1.6%	4.2%	2.7%	5.9%	8.3%	9.3%
-2.0%	-0.9%	1.1%	3.7%	3.1%	2.8%	26.7%	6.9%	7.5%	3.0%	4.3%	3.7%	4.9%	3.7%	0.6%	1.6%	1.3%	3.8%	8.1%	9.1%

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Investments

fixed assets acquired

Item	2025	2024	2023	2022	2021
Tangible fixed assets	€3.3m	€3.5m	€941,625	€722,809	€89,920
Financial fixed assets	-	-	-	-	€579,267
	€706,075	€460,482	€331,905	€300,383	€299,770

Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)

Insights on COMPASS

The operating result for 2025 is a loss of €72,939, after a profit of €180,153 in 2024. It is the lowest result since 2006.

Debt's share of the balance-sheet total falls from 56.9% to 40.7%. Equity and debt are higher.

Large changes and their cause

2023 Net result -73% on 2022. The 2022 profit included a one-off income of €145,000.

Next steps

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Annual accounts 2025

Balance sheet

Change in equityin €m

Change in cashin euro

Position in the sector

Solvency57.0%

Return on assets-2.0%

Filed annual accounts

Filings

Key figures and ratios

Investments

Insights on COMPASS

Next steps

in €m

in euro

57.0%

-2.0%