Skip to content
Private limited company (pre-2019)founded 1997active for 29 yearsMeierend 15, 2470 Retie, BelgiumKBO/BCE: BE 0461.421.872
Summary

COOLS 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 €150,560 and a net result of €70,611. Equity is growing by about 15% per year across the filed financial years. Its solvency ranks better than 78% of 9,727 sector peers (NACE 64, financial year 2025). The company has been active since 1997 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Activity
Financial service activities, except insurance and pension funding
NACE 64190
5th oldest company in Retie, Finance and insurance sector1 site
Size
€188,278total assets 2025
Equity
€150,560
Profit
€70,611
Turnover not published (micro format)
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
Structure
2025 accounts filed 31 days late2 of 3 deeds summarised
Signalsraises risk2025 accounts filed 31 days lateShow 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.

Credit check for your own amount and term

Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

1 signal.
raises risk
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
31 days late
2024
70 days late
2023
29 days late
2022
25 days late
2021
24 days late
2020
31 days early
2019
30 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 17 days after the deadline; the sector median (NACE 64) for financial year 2024 is 14 days before the deadline, and 28% 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 30 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
26-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Equity above €150,000equity €150,560 ▲88.3%
  3. Annual accounts filedfinancial year 2024 · micro…

Financials · financial year 2025, micro format

2025 annual accounts filed late (31 days) Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00462465.

Equity
€150,560▲ 88.3%
2024 · €79,949
Net result
€70,611▲ 13×
2024 · €5,235
Total assets
€188,278▲ 85.6%
2024 · €101,447
Solvency
80.0%▲ 1.2pp
2024 · 78.8%
Trend over the years

2021 to 2025, 5 financial years 2018 to 2025, 8 financial years

The operating result has risen four years in a row; 2025 is over 16 times 2024 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€93,935 2025 Net result€70,611 2025

Use the arrow keys on the chart for the figures per year.

Sector: the middle half of NACE 64, Financial service activities, except insurance and pension funding: 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), Staff (FTE).

Every figure with its change against the financial year before
favourable unfavourable
Line20182019202020212022202320242025
Operating result€1,736--€5,366-€142,239▼ 2,551%-€82,904▲ 41.7%-€13,071▲ 84.2%€3,027€5,742▲ 89.7%€93,935▲ 16×
Net result-€9,006--€10,704▼ 18.9%€73,753above the sector's middle half-€7,912below the sector's middle half-€9,546below the sector's middle half▼ 20.7%€3,268below the sector's middle half€5,235within the sector's middle half▲ 60.2%€70,611within the sector's middle half▲ 13×
Equity€25,855-€15,151▼ 41.4%€88,904within the sector's middle half▲ 487%€80,992within the sector's middle half▼ 8.9%€71,446within the sector's middle half▼ 11.8%€74,714within the sector's middle half▲ 4.6%€79,949within the sector's middle half▲ 7.0%€150,560within the sector's middle half▲ 88.3%
Total assets€382,881-€324,145▼ 15.3%€298,802within the sector's middle half▼ 7.8%€85,442below the sector's middle half▼ 71.4%€71,905below the sector's middle half▼ 15.8%€78,608below the sector's middle half▲ 9.3%€101,447below the sector's middle half▲ 29.1%€188,278within the sector's middle half▲ 85.6%
Debt€357,026-€308,994▼ 13.5%€209,898▼ 32.1%€4,450▼ 97.9%€459▼ 89.7%€3,894▲ 748%€21,498▲ 452%€37,718▲ 75.5%
Working capital€37,927-€33,627▼ 11.3%€16,687within the sector's middle half▼ 50.4%€78,802within the sector's middle half▲ 372%€68,607within the sector's middle half▼ 12.9%€72,835within the sector's middle half▲ 6.2%€78,839within the sector's middle half▲ 8.2%€141,048within the sector's middle half▲ 78.9%
Solvency6.8%-4.7%▼ 2.1pp29.8%within the sector's middle half▲ 25.1pp94.8%above the sector's middle half▲ 65.0pp99.4%above the sector's middle half▲ 4.6pp95.0%above the sector's middle half▼ 4.3pp78.8%above the sector's middle half▼ 16.2pp80.0%above the sector's middle half▲ 1.2pp
Current ratio1.69-2.31▲ 0.621.55within the sector's middle half▼ 0.7628.75above the sector's middle half▲ 27.2019.70above the sector's middle half4.67above the sector's middle half▼ 15.044.74above the sector's middle half▲ 0.07
Return on assets (ROA)-2.4%--3.3%▼ 1.0pp24.7%above the sector's middle half▲ 28.0pp-9.3%below the sector's middle half▼ 33.9pp-13.3%below the sector's middle half▼ 4.0pp4.2%within the sector's middle half▲ 17.4pp5.2%within the sector's middle half▲ 1.0pp37.5%above the sector's middle half▲ 32.3pp
Staff (FTE)2-1.3▼ 35.0%0.7within the sector's middle half▼ 46.2%
above within below the middle half of NACE 64, Financial service activities, except insurance and pension funding: 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 micro format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €188,278
Fixed assets €9,512 ▲ 757%
Current assets €178,766 ▲ 78.2%
Equity and liabilities €188,278
Equity €150,560 ▲ 88.3%
Debt €37,718 ▲ 75.5%
Debt's share of the balance-sheet total falls from 21.2% to 20.0%. Equity and debt are higher.
Key figures and ratios
2025 value · change against 2024
ROE
46.9%▲
2024 · 6.5%
Debt ≤ 1 year
€37,718▲
2024 · €21,498
Income taxes
€25,215▲
2024 · €4,401
Staff costs
€0▼
2024 · €237
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet Code20242025
Assets
Total assets20/58€101,447€188,278▲
Fixed assets21/28€1,110€9,512▲
Tangible fixed assets22/27€1,110€9,512▲
Land and buildings22-€4,364
Plant, machinery and equipment23-€1,712
Furniture and vehicles24€1,110€3,436▲
Current assets29/58€100,336€178,766▲
Amounts receivable within one year40/41€81,282€99,505▲
Trade receivables40€0€11,074▲
Other amounts receivable41€81,282€88,431▲
Cash at bank and in hand54/58€18,739€79,260▲
Deferred charges and accrued income490/1€315€0▼
Equity and liabilities
Total equity and liabilities10/49€101,447€188,278▲
Equity10/15€79,949€150,560▲
Contributions10/11€18,600€18,600=
Reserves13€85,270€85,270=
Non-distributable reserves130/1€1,860€1,860=
Reserves not available under the articles1311€1,860€1,860=
Tax-exempt reserves132€9,657€9,657=
Distributable reserves133€73,753€73,753=
Profit (loss) carried forward14-€23,920€46,690▲
Amounts payable17/49€21,498€37,718▲
Amounts payable within one year42/48€21,498€37,718▲
Trade debts44€11,668€8,103▼
Suppliers440/4€11,668€8,103▼
Taxes, remuneration and social security45€9,829€29,615▲
Taxes450/3€6,735€29,615▲
Remuneration and social security454/9€3,094€0▼
Income statement Code20242025
Remuneration, social security and pensions62€237€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€768€1,573▲
Other operating charges640/8€1,248€7,490▲
Gross operating margin9900€7,994€102,999▲
Operating profit (loss)9901€5,742€93,935▲
Financial income75/76B€4,004€4,138▲
Recurring financial income75€4,004€4,138▲
Financial charges65/66B€110€2,248▲
Recurring financial charges65€110€2,248▲
Profit (loss) for the period before taxes9903€9,636€95,825▲
Income taxes67/77€4,401€25,215▲
Profit (loss) for the period9904€5,235€70,611▲
Profit (loss) for the period to be appropriated9905€5,235€70,611▲
Appropriation of the result
Profit (loss) to be appropriated9906-€23,920€46,690▲
Profit (loss) brought forward from the previous period14P-€29,156-€23,920▲

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20182019202020212022202320242025Change
Remuneration, social security and pensions62---€1,618--€237€0▼ 100%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26,855€25,131€13,188€132€961€960€768€1,573▲ 105%
Other operating charges640/8---€2,134€2,118€1,222€1,248€7,490▲ 500%
Gross operating margin9900€123,368€69,017-€104,153-€79,020-€9,992€5,209€7,994€102,999▲ 13×
Operating profit (loss)9901€1,736-€5,366-€142,239-€82,904-€13,071€3,027€5,742€93,935▲ 16×
Financial income75/76B---€78,904€3,678€2,956€4,004€4,138▲ 3.4%
Recurring financial income75€4€234€938€2,325€3,678€2,956€4,004€4,138▲ 3.4%
Non-recurring financial income76B---€76,579€3,678€2,956---
Financial charges65/66B---€3,501€117€425€110€2,248▲ 20×
Recurring financial charges65€8,745€5,936€5,696€3,501€117€425€110€2,248▲ 20×
Profit (loss) for the period before taxes9903-€7,005-€11,068€106,003-€7,501-€9,510€5,558€9,636€95,825▲ 894%
Income taxes67/77€2,001-€364€32,250€411€36€2,290€4,401€25,215▲ 473%
Profit (loss) for the period9904-€9,006-€10,704€73,753-€7,912-€9,546€3,268€5,235€70,611▲ 13×
Profit (loss) for the period to be appropriated9905-€9,006-€10,704€73,753-€7,912-€9,546€3,268€5,235€70,611▲ 13×
Line20182019202020212022202320242025Change
Assets
Total assets20/58€382,881€324,145€298,802€85,442€71,905€78,608€101,447€188,278▲ 85.6%
Fixed assets21/28€289,907€264,776€251,588€3,800€2,839€1,879€1,110€9,512▲ 757%
Tangible fixed assets22/27€289,907€264,776€251,588€3,800€2,839€1,879€1,110€9,512▲ 757%
Land and buildings22-------€4,364-
Plant, machinery and equipment23-------€1,712-
Furniture and vehicles24---€3,800€2,839€1,879€1,110€3,436▲ 209%
Current assets29/58€92,974€59,369€47,214€81,642€69,066€76,729€100,336€178,766▲ 78.2%
Amounts receivable within one year40/41€54,262€10,673€22,004€46,237€66,869€57,935€81,282€99,505▲ 22.4%
Trade receivables40---€1,385€2,712€2,712€0€11,074-
Other amounts receivable41---€44,852€64,157€55,223€81,282€88,431▲ 8.8%
Cash at bank and in hand54/58€31,107€33,064€21,996€27,601€1,259€17,188€18,739€79,260▲ 323%
Deferred charges and accrued income490/1---€7,804€938€1,606€315€0▼ 100%
Equity and liabilities
Total equity and liabilities10/49€382,881€324,145€298,802€85,442€71,905€78,608€101,447€188,278▲ 85.6%
Equity10/15€25,855€15,151€88,904€80,992€71,446€74,714€79,949€150,560▲ 88.3%
Contributions10/11€18,600€18,600-€18,600€18,600€18,600€18,600€18,600=
Reserves13€11,517€11,517€85,270€85,270€85,270€85,270€85,270€85,270=
Non-distributable reserves130/1---€1,860€1,860€1,860€1,860€1,860=
Reserves not available under the articles1311---€1,860€1,860€1,860€1,860€1,860=
Tax-exempt reserves132---€9,657€9,657€9,657€9,657€9,657=
Distributable reserves133---€73,753€73,753€73,753€73,753€73,753=
Profit (loss) carried forward14-€4,262-€14,966-€14,966-€22,878-€32,424-€29,156-€23,920€46,690-
Amounts payable17/49€357,026€308,994€209,898€4,450€459€3,894€21,498€37,718▲ 75.5%
Amounts payable after more than one year17€301,808€283,082€165,403------
Amounts payable within one year42/48€55,047€25,742€30,527€2,840€459€3,894€21,498€37,718▲ 75.5%
Trade debts44€2,320€2,181€9,833-€120€1,576€11,668€8,103▼ 30.6%
Suppliers440/4----€120€1,576€11,668€8,103▼ 30.6%
Taxes, remuneration and social security45---€2,588€214€2,318€9,829€29,615▲ 201%
Taxes450/3---€2,588€214€2,318€6,735€29,615▲ 340%
Remuneration and social security454/9------€3,094€0▼ 100%
Other amounts payable47/48---€252€125----
Accrued charges and deferred income492/3---€1,610-----
Line20182019202020212022202320242025Change
Profit (loss) for the period9904-€9,006-€10,704€73,753-€7,912-€9,546€3,268€5,235€70,611▲ 13×
+ Depreciation and write-downs630€26,855€25,131€13,188€132€961€960€768€1,573▲ 105%
Operating cash flow (approximation)€17,849€14,427€86,941-€7,780-€8,585€4,228€6,003€72,184▲ 12×
Investment in fixed assets (approximation)-€0€0€247,656€0€0€0-€9,975-
Change in cash-€1,957-€11,068€5,605-€26,342€15,929€1,551€60,521▲ 39×

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Latest 10 of 28 filings with the National Bank
Financial year Type Filed Reference
31-12-2025 micro format 31-08-2026 2026-00462465
31-12-2024 micro format 09-10-2025 2025-00537119
31-12-2023 micro format 29-08-2024 2024-00414724
31-12-2022 micro format 25-08-2023 2023-00362552
31-12-2021 micro format 24-08-2022 2022-20320251
31-12-2020 micro format 30-06-2021 2021-27900369
31-12-2019 micro format 01-07-2020 2020-24300010
31-12-2018 micro format 28-06-2019 2019-24800428
31-12-2017 micro format 13-06-2018 2018-18000215
31-12-2016 micro format 20-06-2017 2017-18800457

Show all 28 filings

Similar companies · same sector, comparable size

Of the 229 active companies whose main activity is financial service activities, except insurance and pension funding (NACE 64190), figures are known for 112. 80 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector

Subsidies and aid

Flemish government

2024 to 2025 · 2 entries · €146 awarded · €109 paid
Year Entries AwardedPaid
2025 1 €96€59
2024 1 €50€50
Schemes
2 entries · €146 · €109 paid · Fonds voor Innoveren en Ondernemen

Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.

Directors

Directors
1 director, last change in 2024
COOLS Tiny Leona Juliette
Director · since 29-11-2024
Current
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
1 of this company's 3 Belgian Official Gazette deeds has 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

1 person since 2024, 1 in office
Show
  • Board
Mandates per person, with start and end dates
Name Functions and periods
COOLS Tiny Leona Juliette
  • Director, from 29-11-2024 to date
See the board, name and registered office on a given date →

Owners and capital

Capital and shareholders

Shareholders according to the deeds
At incorporation act of 29-11-2024 ↗

The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.

Capital over the years
  1. 29-11-2024 Incorporation · BEF 750,000 · 750 shares
  2. 29-11-2024 Incorporation · EURO BEF 2,500 · 25 shares

Group and network

Connections & network

1 connected company
Depth

The connected companies are in the list below.

This company Company Director Shareholding +N: links not shown yet Click a node to look further, drag to arrange, zoom with the mouse wheel.
Linked via shared directors

Acquisitions and mergers

1 transaction
BE 0727.869.588proposal · Gazette deed of 29-11-2024 (2 acts)

History

COOLS was incorporated on 10 September 1997.1 The registered office was moved to Retie in 2024.2 Total assets fell from €382,881 in 2018 to €188,278 in 2025 and headcount from 2 full-time equivalents in 2018 to 0.7 in 2020.3

  1. 1KBO register
  2. 2Belgian Official Gazette, 02-09-2024
  3. 3National Bank, annual accounts 2018, 2020 and 2025

Acts, filings and financial milestones

Next filing, financial year 2026, expected by 31-07-2027
2026
31-08
NBB filing Annual accounts filed
financial year 2025 · micro format · 31 days late
2025
31-12
Financial Equity above €150,000equity €150,560 ▲88.3%
3 profitable years in a row build equity to €150,560.
09-10
NBB filing Annual accounts filed
financial year 2024 · micro format · 70 days late
2024
29-11
Gazette deed Restructuring · Miscellaneous
Appointment: COOLS Tiny Leona Juliette (director) · Incorporation · Founding capital20 facts ▸
  • Incorporation, 01-09-1997
  • Founding capital, “BEF 750.000” (deed in Dutch)
  • Capital, “Euro 18.600” (deed in Dutch)
  • Director appointment, COOLS Tiny Leona Juliette (director)
  • Shareholding, 750, 750
  • Incorporation, 06-06-2019
  • Founding capital, “Euro BEF 2.500” (deed in Dutch)
  • Board composition, COOLS Tiny Leona Juliette (director)
  • Shareholding, “aandelen”, 25 (deed in Dutch)
  • Other provision, “Ondernemingsrechtbank TURNHOUT, register en ondernemingsnummer” (deed in Dutch)
  • Merger, “balansen per 31-12-2023, kostenreductie operationele kosten door rationalisatie” (deed in Dutch)
  • Accounting effect, 01-01-2024
  • +8 further facts in this act
02-09
Gazette deed Registered office
Registered-office move2 facts ▸
  • Board meeting, 22-07-2024
  • Registered-office move, Melerend 15 te 2470 Retie
29-08
NBB filing Annual accounts filed
financial year 2023 · micro format · 29 days late
2023
31-12
Financial Back to profitnet €3,268
Net result €3,268 after 2 loss-making years.
25-08
NBB filing Annual accounts filed
financial year 2022 · micro format · 25 days late
2022
31-12
Financial Liquidity more than 5 timescurrent ratio 150.47
Current ratio from 28.75 to 150.47; short-term debt falls from €2,840 to €459.
24-08
NBB filing Annual accounts filed
financial year 2021 · micro format · 24 days late
2021
31-12
Financial Liquidity more than 18 timescurrent ratio 28.75
Current ratio from 1.55 to 28.75; short-term debt falls from €30,527 to €2,840.
30-06
NBB filing Annual accounts filed
financial year 2020 · micro format
Show earlier events
2020
31-12
Financial Back to profitnet €73,753
Net result €73,753 after 2 loss-making years.
01-07
NBB filing Annual accounts filed
financial year 2019 · micro format
2019
31-12
Financial Weakest financial yearnet -€10,704
Net result drops to -€10,704, the lowest in the series; recovery starts the following year.
28-06
NBB filing Annual accounts filed
financial year 2018 · micro format
2018
13-06
NBB filing Annual accounts filed
financial year 2017 · micro format
2017
20-06
NBB filing Annual accounts filed
financial year 2016 · micro format
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.Of the 28 annual accounts filed, the latest 10 are here; all 28 are under Financials.
2 of 3 deeds read
About the unread acts

Of the 3 Belgian Official Gazette deeds we know for this company, 2 have been read. The other one has not been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Register details

Identification
Legal formPrivate limited company (pre-2019)
Founded10-09-1997
Financial year end31-12
Activities, NACEBEL 2025
64190Financial service activities, except insurance and pension funding
85599Other education
E-invoicing
Reachable via Peppol
Peppol ID 0208:0461421872
Also 9925:BE0461421872
Registered 27-11-2025

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.

Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.

Sites & property

Location & real-estate footprint
Registered office, Retie · 1 establishment unit since 1997
registered office establishment The establishment unit on the map
Ground area
3,839 m²
Building footprint
1,855 m²
Building volume
898 m³
2 parcels, Flanders · tallest building 9.1 m. Linked by address, not a title deed.
3 companies at this address See who is registered here
1 establishment unit
COOLS BVBA
Beyntellus 16, 2360 Oud-TurnhoutFinancial service activities, except insurance and pension funding
since 1997unit no. 2.083.342.145
2 parcels
Flanders 2 (100%)
Cadastral parcel Region Area Buildings Height / floors
13031C0779/00K000 Flanders 2,996 m² 1 · 1,719 m² 4.1 m
13036F0639/00C000 Flanders 844 m² 1 · 136 m² 9.1 m · 2
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.
“Het optreden als gevolmachtigd agent van de Bank Brussel Lambert NV; De vennootschap kan alle verrichtingen uitvoeren die rechtstreeks of…” (deed in Dutch)
2 activities (deed in Dutch)
  1. Het optreden als gevolmachtigd agent van de Bank Brussel Lambert NV.
  2. De vennootschap kan alle verrichtingen uitvoeren die rechtstreeks of onrechtstreeks verband houden met het maatschappelijke doel en die nodig of dienstig zijn tot de verwezenlijking van haar doel.

The full purpose is in the deed

DurationHow long the company exists; usually unlimited, so until it is dissolved.
Unlimited

deed of 29-11-2024

Meetings and financial year

Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
First Tuesday of June at 11:00

deed of 29-11-2024

Other provisionsOther rules from the articles that fall under none of the themes above.

2 more provisions in the deed, see the deed of 29-11-2024

deed of 29-11-2024