Summary
Cyludor is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €4.6m and a net result of €317,162. Equity is growing by ~7.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 3318 sector peers (fiscal year 2024). The company has been active since 2010 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 24-06-2026, 37 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
37 d early
2024
42 d early
2023
34 d early
2022
42 d early
2021
37 d early
2020
17 d early
2019
28 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 34 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 24 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2024, micro schema
In the rankings
#8 company by equity in Anzegem, Finance and insurance sector
Equity
€4.6m▲ 0.7%
2023 · €4.6m
Net result
€317,162▼ 13.1%
2023 · €364,907
Total assets
€4.7m▲ 0.7%
2023 · €4.7m
Solvency
98.0%=
2023 · 98.0%
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
Line20202021202220232024
Operating result€549,126▼ 14.8%€623,627▲ 13.6%€480,608▼ 22.9%€535,268▲ 11.4%€464,899▼ 13.1%
Net result€380,843above the sector's middle half▼ 7.8%€433,730above the sector's middle half▲ 13.9%€326,531above the sector's middle half▼ 24.7%€364,907above the sector's middle half▲ 11.8%€317,162above the sector's middle half▼ 13.1%
Equity€3.7mabove the sector's middle half▲ 11.5%€4.1mabove the sector's middle half▲ 11.8%€4.2mabove the sector's middle half▲ 3.1%€4.6mabove the sector's middle half▲ 8.6%€4.6mabove the sector's middle half▲ 0.7%
Total assets€4.4mabove the sector's middle half▲ 0.5%€4.5mabove the sector's middle half▲ 2.3%€4.5mabove the sector's middle half=€4.7mabove the sector's middle half▲ 3.7%€4.7mabove the sector's middle half▲ 0.7%
Debt€747,041▼ 32.5%€416,151▼ 44.3%€290,518▼ 30.2%€94,693▼ 67.4%€94,221▼ 0.5%
Working capital-€352,822below the sector's middle half▲ 55.8%€153,165within the sector's middle half€110,991within the sector's middle half▼ 27.5%€346,727within the sector's middle half▲ 212%€339,800above the sector's middle half▼ 2.0%
Solvency83.1%above the sector's middle half▲ 8.2pp90.8%above the sector's middle half▲ 7.7pp93.6%above the sector's middle half▲ 2.8pp98.0%above the sector's middle half▲ 4.4pp98.0%above the sector's middle half=
Current ratio0.53below the sector's middle half▲ 0.251.37within the sector's middle half▲ 0.841.38within the sector's middle half▲ 0.014.73above the sector's middle half▲ 3.344.74above the sector's middle half▲ 0.01
Return on assets (ROA)8.6%within the sector's middle half▼ 0.8pp9.6%within the sector's middle half▲ 1.0pp7.2%within the sector's middle half▼ 2.4pp7.8%within the sector's middle half▲ 0.6pp6.7%within the sector's middle half▼ 1.1pp
Staff (FTE)0below 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 or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 13% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €4.7m
Fixed assets
€4.3m ▲ 1.0%
Current assets
€430,652 ▼ 2.1%
Equity and liabilities €4.7m
Equity
€4.6m ▲ 0.7%
Debt
€94,221 ▼ 0.5%
Debt's share of the balance-sheet total stays at 2.0%.
Key figures and ratios
ROE
6.8%▼
2023 · 7.9%
Debt ≤ 1 year
€90,852▼
2023 · €93,016
Income taxes
€151,199▼
2023 · €170,734
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €18,860 | €0 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €71,996 | €72,664 | €63,886 | €42,748 | €87,986 | ▲ 106% |
| Other operating charges640/8 | - | €5,284 | €830 | €1,364 | €721 | ▼ 47.1% |
| Gross operating margin9900 | €622,433 | €701,575 | €545,323 | €579,380 | €553,607 | ▼ 4.4% |
| Operating profit (loss)9901 | €549,126 | €623,627 | €480,608 | €535,268 | €464,899 | ▼ 13.1% |
| Financial income75/76B | - | €2,866 | €10,978 | €13,000 | €6,568 | ▼ 49.5% |
| Recurring financial income75 | €333 | €2,866 | €10,978 | €13,000 | €6,568 | ▼ 49.5% |
| Financial charges65/66B | - | €3,305 | €16,496 | €12,626 | €3,106 | ▼ 75.4% |
| Recurring financial charges65 | €2,284 | €3,305 | €16,496 | €12,626 | €3,106 | ▼ 75.4% |
| Profit (loss) for the period before taxes9903 | €547,175 | €623,189 | €475,090 | €535,641 | €468,361 | ▼ 12.6% |
| Income taxes67/77 | €166,332 | €189,459 | €148,559 | €170,734 | €151,199 | ▼ 11.4% |
| Profit (loss) for the period9904 | €380,843 | €433,730 | €326,531 | €364,907 | €317,162 | ▼ 13.1% |
| Transfer from tax-exempt reserves789 | - | €0 | - | €106,800 | €126,300 | ▲ 18.3% |
| Transfer to tax-exempt reserves689 | - | €126,300 | €42,100 | €0 | - | - |
| Profit (loss) for the period to be appropriated9905 | €409,543 | €307,430 | €284,431 | €471,707 | €443,462 | ▼ 6.0% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €4.4m | €4.5m | €4.5m | €4.7m | €4.7m | ▲ 0.7% |
| Fixed assets21/28 | €4.0m | €4.0m | €4.1m | €4.3m | €4.3m | ▲ 1.0% |
| Tangible fixed assets22/27 | €1.5m | €1.4m | €1.5m | €1.6m | €1.5m | ▼ 5.4% |
| Land and buildings22 | - | €1.3m | €1.3m | €1.3m | €1.2m | ▼ 2.8% |
| Plant, machinery and equipment23 | - | €540 | €0 | - | - | - |
| Furniture and vehicles24 | - | €75,627 | €178,091 | €341,756 | €290,512 | ▼ 15.0% |
| Financial fixed assets28 | €2.6m | €2.6m | €2.7m | €2.7m | €2.8m | ▲ 4.8% |
| Current assets29/58 | €392,428 | €567,931 | €400,270 | €439,744 | €430,652 | ▼ 2.1% |
| Amounts receivable within one year40/41 | €35,000 | €0 | - | - | €8,801 | - |
| Other amounts receivable41 | - | €0 | - | - | €8,801 | - |
| Current investments50/53 | €20,000 | €127,368 | €164,315 | €0 | - | - |
| Cash at bank and in hand54/58 | €244,378 | €435,125 | €227,754 | €431,006 | €412,082 | ▼ 4.4% |
| Deferred charges and accrued income490/1 | - | €5,439 | €8,201 | €8,738 | €9,770 | ▲ 11.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €4.4m | €4.5m | €4.5m | €4.7m | €4.7m | ▲ 0.7% |
| Equity10/15 | €3.7m | €4.1m | €4.2m | €4.6m | €4.6m | ▲ 0.7% |
| Contributions10/11 | - | €500,000 | €500,000 | €500,000 | €500,000 | = |
| Reserves13 | €3.0m | €3.5m | €3.6m | €3.8m | €3.7m | ▼ 2.3% |
| Non-distributable reserves130/1 | - | €50,000 | €50,000 | €0 | - | - |
| Reserves not available under the articles1311 | - | €50,000 | €50,000 | €0 | - | - |
| Tax-exempt reserves132 | - | €359,400 | €401,500 | €294,700 | €168,400 | ▼ 42.9% |
| Distributable reserves133 | - | €3.1m | €3.1m | €3.5m | €3.6m | ▲ 1.1% |
| Profit (loss) carried forward14 | €147,123 | €154,553 | €163,984 | €284,690 | €403,152 | ▲ 41.6% |
| Amounts payable17/49 | €747,041 | €416,151 | €290,518 | €94,693 | €94,221 | ▼ 0.5% |
| Amounts payable within one year42/48 | €745,250 | €414,766 | €289,280 | €93,016 | €90,852 | ▼ 2.3% |
| Trade debts44 | €4,356 | €8,503 | €6,474 | €8,023 | €10,138 | ▲ 26.4% |
| Suppliers440/4 | - | €8,503 | €6,474 | €8,023 | €10,138 | ▲ 26.4% |
| Taxes, remuneration and social security45 | - | €61,126 | €51,000 | €46,074 | €46,288 | ▲ 0.5% |
| Taxes450/3 | - | €61,126 | €51,000 | €46,074 | €46,288 | ▲ 0.5% |
| Remuneration and social security454/9 | - | €0 | - | - | - | - |
| Other amounts payable47/48 | - | €345,136 | €231,806 | €38,919 | €34,426 | ▼ 11.5% |
| Accrued charges and deferred income492/3 | - | €1,385 | €1,238 | €1,676 | €3,369 | ▲ 101% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €380,843 | €433,730 | €326,531 | €364,907 | €317,162 | ▼ 13.1% |
| + Depreciation and write-downs630 | €71,996 | €72,664 | €63,886 | €42,748 | €87,986 | ▲ 106% |
| Operating cash flow (approximation) | €452,839 | €506,394 | €390,417 | €407,655 | €405,148 | ▼ 0.6% |
| Investment in fixed assets (approximation) | - | €0 | -€232,445 | -€172,356 | -€128,768 | ▲ 25.3% |
| Change in cash | - | €190,746 | -€207,370 | €203,251 | -€18,924 | ▼ 109% |
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
24-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
28-05
State Gazette act
General meeting · Director reappointment
Director resignation
2025
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity triplescurrent ratio 4.73
Current ratio from 1.38 to 4.73; short-term debt falls from €289,280 to €93,016.
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €433,730 ▲13.9%
Net result €433,730, the highest in the series.
31-12
Financial
Liquidity triplescurrent ratio 1.37
Current ratio from 0.53 to 1.37; short-term debt falls from €745,250 to €414,766.
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
We know of 8 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
8 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, Anzegem · 1 establishment unit since 2010
Ground area
998 m²
Building footprint
236 m²
Volume, LiDAR
1,014 m³
Parcel 34038B0141/00F005, Flanders · tallest building 6.9 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Otegemstraat 3, 8570 Anzegem
since 20102.196.100.982
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34038B0141/00F005 | Flanders | 998 m² | 1 · 236 m² | 6.9 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 31-12-2024 list no shareholders, and no other source names one.
Holdings 2
-
33.33%
-
31.37%
According to the 2024 annual accounts of Cyludor 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
2024 · 1 entry · 234 EUR awarded · 234 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 234 EUR | 234 EUR |
Recognitions · licences · registrations
Legal Entity Identifier
875500HP8EOZTW2ING36
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Of 4,674 companies in sector 66220 we hold annual accounts for 3,222. 918 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
Founded31-12-2010
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0832375608
Also
9925:BE0832375608
Registered
29-09-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.