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DENAFIN

Active Risk: not assessed
Private limited companyfounded 20241 yr activeGrand Rue 54, 6470 Sivry-Rance, BelgiumKBO/BCE: BE 1016.356.102
Summary

DENAFIN 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 €31,679 and a net result of -€8,321. Its solvency ranks better than 15% of 1501 sector peers (fiscal year 2025). The company has been active since 2024 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

Three 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 15% of 1501 sector peers (2025).
NBB · sector comparison
Position among 1501 sector peers
Solvency
better than 15%
← weakest strongest →
raises risk · Young company
Founded in 2024, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
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 20-07-2026, 11 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
11 d early
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

DENAFIN was incorporated on 19 November 2024 as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, abbreviated schema

Equity
€31,679
Net result
-€8,321
Total assets
€467,297
Solvency
6.8%

Turnover and EBIT margin not published: the abbreviated schema does not require them.

Balance-sheet composition
Assets €467,297
Fixed assets €373,500
Current assets €93,797
Equity and liabilities €467,297
Equity €31,679
Debt €435,618
Debt finances 93.2% of the balance-sheet total.
Key figures and ratios
2025 value
ROE
-26.3%
ROA
-1.8%
Debt ≤ 1 year
€98,929
Debt > 1 year
€332,000
Income taxes
€425
Staff costs
€306,091
Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 41 lines
Balance sheet Code2025
Assets
Total assets20/58€467,297
Fixed assets21/28€373,500
Intangible fixed assets21€373,500
Current assets29/58€93,797
Amounts receivable within one year40/41€33,698
Trade receivables40€32,142
Other amounts receivable41€1,556
Current investments50/53€38,813
Cash at bank and in hand54/58€20,343
Deferred charges and accrued income490/1€943
Equity and liabilities
Total equity and liabilities10/49€467,297
Equity10/15€31,679
Contributions10/11€40,000
Profit (loss) carried forward14-€8,321
Amounts payable17/49€435,618
Amounts payable after more than one year17€332,000
Financial debts170/4€332,000
Amounts payable within one year42/48€98,929
Current portion of amounts payable after more than one year42€41,500
Trade debts44€15,044
Suppliers440/4€15,044
Taxes, remuneration and social security45€39,716
Taxes450/3€4,469
Remuneration and social security454/9€35,247
Other amounts payable47/48€2,669
Accrued charges and deferred income492/3€4,689
Income statement Code2025
Remuneration, social security and pensions62€306,091
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€41,500
Other operating charges640/8€1,919
Gross operating margin9900€350,082
Operating profit (loss)9901€572
Financial income75/76B€18
Recurring financial income75€18
Financial charges65/66B€8,486
Recurring financial charges65€8,486
Profit (loss) for the period before taxes9903-€7,896
Income taxes67/77€425
Profit (loss) for the period9904-€8,321
Profit (loss) for the period to be appropriated9905-€8,321
Appropriation of the result
Profit (loss) to be appropriated9906-€8,321
Social balance
Average headcount (FTE)90873.6

The notes to these accounts (17 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Remuneration, social security and pensions62€306,091
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€41,500
Other operating charges640/8€1,919
Gross operating margin9900€350,082
Operating profit (loss)9901€572
Financial income75/76B€18
Recurring financial income75€18
Financial charges65/66B€8,486
Recurring financial charges65€8,486
Profit (loss) for the period before taxes9903-€7,896
Income taxes67/77€425
Profit (loss) for the period9904-€8,321
Profit (loss) for the period to be appropriated9905-€8,321
Line2025
Assets
Total assets20/58€467,297
Fixed assets21/28€373,500
Intangible fixed assets21€373,500
Current assets29/58€93,797
Amounts receivable within one year40/41€33,698
Trade receivables40€32,142
Other amounts receivable41€1,556
Current investments50/53€38,813
Cash at bank and in hand54/58€20,343
Deferred charges and accrued income490/1€943
Equity and liabilities
Total equity and liabilities10/49€467,297
Equity10/15€31,679
Contributions10/11€40,000
Profit (loss) carried forward14-€8,321
Amounts payable17/49€435,618
Amounts payable after more than one year17€332,000
Financial debts170/4€332,000
Amounts payable within one year42/48€98,929
Current portion of amounts payable after more than one year42€41,500
Trade debts44€15,044
Suppliers440/4€15,044
Taxes, remuneration and social security45€39,716
Taxes450/3€4,469
Remuneration and social security454/9€35,247
Other amounts payable47/48€2,669
Accrued charges and deferred income492/3€4,689
Line2025
Profit (loss) for the period9904-€8,321
+ Depreciation and write-downs630€41,500
Operating cash flow (approximation)€33,179

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

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Timeline · acts, filings and financial milestones

2026
20-07
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
1 act for this company is 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, Sivry-Rance · 1 establishment unit since 2024
seat establishment The establishment unit on the map
Ground area
2,250 m²
Building footprint
541 m²
Volume, LiDAR
5,132 m³
2 parcels, Wallonia · tallest building 12.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
DENAFIN
Grand Rue 58, 6470 Sivry-RanceAgents and brokers in banking services
since 20242.366.554.233
2 parcels
Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
56061D0154/00N000 Wallonia 2,093 m² 1 · 252 m² 12.6 m · 3 fl.
56061B0199/00N002indicative Wallonia 157 m² 1 · 289 m² 11.0 m · 3 fl.
Linked by address, not proof of ownership
Good to know
1 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Structure & network

Owners and holdings

1 owner

Owners 1

Holdings 0

No holding stated in the accounts, acts or LEI register we read.

According to the annual accounts 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.

Similar companies · same sector, comparable size

Of 1,682 companies in sector 66191 we hold annual accounts for 1,230. 696 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
Founded19-11-2024
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID 0208:1016356102
Registered 16-01-2026

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.