Summary
CONSELFIN 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 €9,324 and a net result of €19,152. Equity is shrinking by ~4.9% per year across the filed fiscal years. Its solvency ranks better than 9% of 1502 sector peers (fiscal year 2025). The company has been active since 2020 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
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 1502 sector peers (2025).
NBB · sector comparisonPosition among 1502 sector peers
Solvency
better than 9%
← weakest
strongest →
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 26-05-2026, 66 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
66 d early
2024
34 d early
2023
44 d early
2022
39 d early
2021
3 d early
← 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 37 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.
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€9,324▲ 14.1%
2024 · €8,172
Net result
€19,152
2024 · -€6,652
Total assets
€513,537▲ 10.4%
2024 · €465,101
Solvency
1.8%▲ 0.1pp
2024 · 1.8%
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€34,980-€96,771▲ 177%€108,810▲ 12.4%€9,986▼ 90.8%€39,981▲ 300%
Net result€25,429within the sector's middle half-€81,473within the sector's middle half▲ 220%€82,921within the sector's middle half▲ 1.8%-€6,652below the sector's middle half€19,152within the sector's middle half
Equity€10,429below the sector's middle half-€11,902below the sector's middle half▲ 14.1%€14,823below the sector's middle half▲ 24.5%€8,172below the sector's middle half▼ 44.9%€9,324below the sector's middle half▲ 14.1%
Total assets€721,054within the sector's middle half-€748,044within the sector's middle half▲ 3.7%€658,803within the sector's middle half▼ 11.9%€465,101below the sector's middle half▼ 29.4%€513,537within the sector's middle half▲ 10.4%
Debt€710,626-€736,143▲ 3.6%€643,980▼ 12.5%€456,929▼ 29.0%€504,214▲ 10.3%
Working capital-€252,809below the sector's middle half--€220,635below the sector's middle half▲ 12.7%-€24,586below the sector's middle half▲ 88.9%-€14,713within the sector's middle half▲ 40.2%-€38,087below the sector's middle half▼ 159%
Solvency1.4%below the sector's middle half-1.6%below the sector's middle half▲ 0.1pp2.3%below the sector's middle half▲ 0.7pp1.8%below the sector's middle half▼ 0.5pp1.8%below the sector's middle half▲ 0.1pp
Current ratio0.26below the sector's middle half-0.45below the sector's middle half▲ 0.190.88below the sector's middle half▲ 0.430.86below the sector's middle half▼ 0.020.78below the sector's middle half▼ 0.09
Return on assets (ROA)3.5%within the sector's middle half-10.9%within the sector's middle half▲ 7.4pp12.6%within the sector's middle half▲ 1.7pp-1.4%below the sector's middle half▼ 14.0pp3.7%within the sector's middle half▲ 5.2pp
Staff (FTE)1below the sector's middle half-1.7below the sector's middle half▲ 70.0%1.9within the sector's middle half▲ 11.8%3within the sector's middle half▲ 57.9%3within the sector's middle half=
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 schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 300% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €513,537
Fixed assets
€380,979 ▲ 2.6%
Current assets
€132,558 ▲ 41.3%
Equity and liabilities €513,537
Equity
€9,324 ▲ 14.1%
Debt
€504,214 ▲ 10.3%
Debt's share of the balance-sheet total falls from 98.2% to 98.2%. Equity and debt are higher.
Key figures and ratios
ROE
205.4%▲
2024 · -81.4%
Debt ≤ 1 year
€170,645▲
2024 · €108,534
Debt > 1 year
€323,741▼
2024 · €338,191
Income taxes
€4,879▲
2024 · €2,931
Staff costs
€181,065▲
2024 · €178,262
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 | €55,976 | €98,907 | €124,408 | €178,262 | €181,065 | ▲ 1.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €49,733 | €102,143 | €109,470 | €110,519 | €120,559 | ▲ 9.1% |
| Other operating charges640/8 | €5,667 | €3,800 | €5,149 | €1,929 | €2,228 | ▲ 15.5% |
| Gross operating margin9900 | €146,356 | €301,620 | €347,838 | €300,696 | €343,834 | ▲ 14.3% |
| Operating profit (loss)9901 | €34,980 | €96,771 | €108,810 | €9,986 | €39,981 | ▲ 300% |
| Financial income75/76B | - | €0 | €10 | €1,624 | €0 | ▼ 100% |
| Recurring financial income75 | - | €0 | €10 | €1,624 | €0 | ▼ 100% |
| Financial charges65/66B | €7,482 | €13,695 | €21,080 | €15,330 | €15,951 | ▲ 4.0% |
| Recurring financial charges65 | €7,482 | €13,695 | €21,080 | €15,330 | €15,951 | ▲ 4.0% |
| Profit (loss) for the period before taxes9903 | €27,498 | €83,076 | €87,741 | -€3,720 | €24,031 | ▲ 746% |
| Income taxes67/77 | €2,070 | €1,603 | €4,819 | €2,931 | €4,879 | ▲ 66.4% |
| Profit (loss) for the period9904 | €25,429 | €81,473 | €82,921 | -€6,652 | €19,152 | ▲ 388% |
| Profit (loss) for the period to be appropriated9905 | €25,429 | €81,473 | €82,921 | -€6,652 | €19,152 | ▲ 388% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €721,054 | €748,044 | €658,803 | €465,101 | €513,537 | ▲ 10.4% |
| Fixed assets21/28 | €632,267 | €564,349 | €478,629 | €371,280 | €380,979 | ▲ 2.6% |
| Intangible fixed assets21 | €632,267 | €534,809 | €437,351 | €339,893 | €360,145 | ▲ 6.0% |
| Tangible fixed assets22/27 | - | €29,125 | €40,863 | €30,972 | €20,420 | ▼ 34.1% |
| Furniture and vehicles24 | - | €29,125 | €40,863 | €30,972 | €19,329 | ▼ 37.6% |
| Leasing and similar rights25 | - | - | - | - | €1,091 | - |
| Financial fixed assets28 | - | €415 | €415 | €415 | €415 | = |
| Current assets29/58 | €88,788 | €183,695 | €180,174 | €93,821 | €132,558 | ▲ 41.3% |
| Amounts receivable within one year40/41 | - | - | - | €7,556 | €4,089 | ▼ 45.9% |
| Trade receivables40 | - | - | - | - | €3,967 | - |
| Other amounts receivable41 | - | - | - | €7,556 | €121 | ▼ 98.4% |
| Current investments50/53 | - | - | €40,000 | €0 | - | - |
| Cash at bank and in hand54/58 | €45,779 | €144,650 | €104,358 | €32,542 | €67,824 | ▲ 108% |
| Deferred charges and accrued income490/1 | €43,009 | €39,045 | €35,815 | €53,723 | €60,646 | ▲ 12.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €721,054 | €748,044 | €658,803 | €465,101 | €513,537 | ▲ 10.4% |
| Equity10/15 | €10,429 | €11,902 | €14,823 | €8,172 | €9,324 | ▲ 14.1% |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Reserves13 | - | €6,500 | €9,500 | €3,000 | €3,000 | = |
| Distributable reserves133 | - | €6,500 | €9,500 | €3,000 | €3,000 | = |
| Profit (loss) carried forward14 | €5,429 | €402 | €323 | €172 | €1,324 | ▲ 672% |
| Amounts payable17/49 | €710,626 | €736,143 | €643,980 | €456,929 | €504,214 | ▲ 10.3% |
| Amounts payable after more than one year17 | €363,653 | €320,615 | €424,919 | €338,191 | €323,741 | ▼ 4.3% |
| Financial debts170/4 | €363,653 | €320,615 | €424,919 | €338,191 | €323,741 | ▼ 4.3% |
| Amounts payable within one year42/48 | €341,597 | €404,330 | €204,760 | €108,534 | €170,645 | ▲ 57.2% |
| Current portion of amounts payable after more than one year42 | €62,671 | €68,668 | €85,363 | €86,728 | €107,828 | ▲ 24.3% |
| Trade debts44 | €1,074 | €1,732 | €11,145 | €92 | €2,357 | ▲ 2,461% |
| Suppliers440/4 | €1,074 | €1,732 | €11,145 | €92 | €2,357 | ▲ 2,461% |
| Taxes, remuneration and social security45 | €9,852 | €13,931 | €28,252 | €21,714 | €22,460 | ▲ 3.4% |
| Taxes450/3 | €2,070 | €1,603 | €4,819 | €0 | - | - |
| Remuneration and social security454/9 | €7,782 | €12,327 | €23,432 | €21,714 | €22,460 | ▲ 3.4% |
| Other amounts payable47/48 | €268,000 | €320,000 | €80,000 | €0 | €38,000 | - |
| Accrued charges and deferred income492/3 | €5,376 | €11,198 | €14,301 | €10,205 | €9,828 | ▼ 3.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €25,429 | €81,473 | €82,921 | -€6,652 | €19,152 | ▲ 388% |
| + Depreciation and write-downs630 | €49,733 | €102,143 | €109,470 | €110,519 | €120,559 | ▲ 9.1% |
| Operating cash flow (approximation) | €75,162 | €183,616 | €192,392 | €103,868 | €139,711 | ▲ 34.5% |
| Investment in fixed assets (approximation) | - | -€34,225 | -€23,750 | -€3,170 | -€130,258 | ▼ 4,009% |
| Change in cash | - | €98,871 | -€40,292 | -€71,816 | €35,282 | ▲ 149% |
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
26-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €19,152
Net result €19,152 after one loss-making year.
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet -€6,652
Net result drops to -€6,652, the lowest in the series; recovery starts the following year.
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2021net €82,921 ▲1.8%
Operating result €108,810, net result €82,921, both a record.
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Harelbeke · 1 establishment unit since 2020
Ground area
646 m²
Building footprint
209 m²
Volume, LiDAR
614 m³
Parcel 34013A1127/00M000, Flanders · tallest building 7.2 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
FINADVISIE
since 20202.308.886.743
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34013A1127/00M000 | Flanders | 646 m² | 1 · 209 m² | 7.2 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
4 ownersOwners 4
-
26%
-
26%
- JURGEN HOLVOETnatural personSourceown accounts 202524%
- PETRA DEGREVEnatural personSourceown accounts 202524%
Stated earlier (1)
An older source named these owners; newer accounts no longer list them.
-
26%
Holdings 0
The accounts to 31-12-2025 list no holdings, and no other source names one.
According to the 2025 annual accounts of CONSELFIN 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 551 EUR awarded · 646 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 97 EUR | 97 EUR |
| 2024 | 1 | 189 EUR | 189 EUR |
| 2023 | 1 | 94 EUR | 189 EUR |
| 2022 | 1 | 171 EUR | 171 EUR |
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Of 1,682 companies in sector 66191 we hold annual accounts for 1,230. 337 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
Founded22-10-2020
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
66220Insurance agents and brokers
Contact
E-mail
petra.degreve@telenet.beHarelbeke
E-invoicing
Reachable via Peppol
Peppol ID
0208:0756912873
Also
9925:BE0756912873
Registered
06-11-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.