Summary
DenderFin 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 €19,415 and a net result of €7,610. Its solvency ranks better than 8% of 1501 sector peers (fiscal year 2025). The company has been active since 2023 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 8% of 1501 sector peers (2025).
NBB · sector comparisonPosition among 1501 sector peers
Solvency
better than 8%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 22-01-2026, 9 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
9 d early
2024
3 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 2 accounts on average 6 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close29-09-2026 today31-01-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Is the workforce growing, and do people stay?Employer check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Public money
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#7 employer in Liedekerke
Equity
€19,415▲ 64.5%
2024 · €11,805
Net result
€7,610▲ 322%
2024 · €1,805
Total assets
€3.5m▼ 2.7%
2024 · €3.6m
Solvency
0.6%▲ 0.2pp
2024 · 0.3%
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
Line20242025
Operating result€54,365-€172,977▲ 218%
Net result€1,805below the sector's middle half-€7,610below the sector's middle half▲ 322%
Equity€11,805below the sector's middle half-€19,415below the sector's middle half▲ 64.5%
Total assets€3.6mabove the sector's middle half-€3.5mabove the sector's middle half▼ 2.7%
Debt€3.6m-€3.4m▼ 2.9%
Working capital-€193,148below the sector's middle half-€308,103within the sector's middle half
Solvency0.3%below the sector's middle half-0.6%below the sector's middle half▲ 0.2pp
Current ratio0.77below the sector's middle half-1.52within the sector's middle half▲ 0.74
Return on assets (ROA)0.1%below the sector's middle half-0.2%below the sector's middle half▲ 0.2pp
Staff (FTE)8.6above the sector's middle half-11.5above the sector's middle half▲ 33.7%
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 rises in 2025; 2025 is 218% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.5m
Fixed assets
€2.6m ▼ 11.6%
Current assets
€903,447 ▲ 36.5%
Equity and liabilities €3.5m
Equity
€19,415 ▲ 64.5%
Debt
€3.4m ▼ 2.9%
Debt's share of the balance-sheet total falls from 99.7% to 99.4%. Equity is higher and debt is lower.
Key figures and ratios
ROE
39.2%▲
2024 · 15.3%
Debt ≤ 1 year
€595,344▼
2024 · €855,133
Debt > 1 year
€2.9m▲
2024 · €2.7m
Income taxes
€13,664▼
2024 · €15,404
Staff costs
€812,034▼
2024 · €936,082
A ratio outside any meaningful range has been withheld (balance sheet total €3.5m, equity €19,415).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Remuneration, social security and pensions62 | €936,082 | €812,034 | ▼ 13.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €382,448 | €337,431 | ▼ 11.8% |
| Other operating charges640/8 | €7,344 | €13,668 | ▲ 86.1% |
| Non-recurring operating charges66A | €308 | €0 | ▼ 100% |
| Gross operating margin9900 | €1.4m | €1.3m | ▼ 3.2% |
| Operating profit (loss)9901 | €54,365 | €172,977 | ▲ 218% |
| Financial income75/76B | €332 | €2,063 | ▲ 522% |
| Recurring financial income75 | €332 | €2,063 | ▲ 522% |
| Financial charges65/66B | €37,488 | €153,766 | ▲ 310% |
| Recurring financial charges65 | €37,488 | €153,766 | ▲ 310% |
| Profit (loss) for the period before taxes9903 | €17,209 | €21,274 | ▲ 23.6% |
| Income taxes67/77 | €15,404 | €13,664 | ▼ 11.3% |
| Profit (loss) for the period9904 | €1,805 | €7,610 | ▲ 322% |
| Profit (loss) for the period to be appropriated9905 | €1,805 | €7,610 | ▲ 322% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €3.6m | €3.5m | ▼ 2.7% |
| Fixed assets21/28 | €2.9m | €2.6m | ▼ 11.6% |
| Intangible fixed assets21 | €2.9m | €2.5m | ▼ 11.3% |
| Tangible fixed assets22/27 | €34,276 | €19,919 | ▼ 41.9% |
| Furniture and vehicles24 | €31,333 | €17,657 | ▼ 43.6% |
| Other tangible fixed assets26 | €2,943 | €2,262 | ▼ 23.1% |
| Financial fixed assets28 | €4,210 | €4,210 | = |
| Current assets29/58 | €661,986 | €903,447 | ▲ 36.5% |
| Amounts receivable within one year40/41 | €27,900 | €1,027 | ▼ 96.3% |
| Trade receivables40 | €27,900 | €1,027 | ▼ 96.3% |
| Current investments50/53 | €250,000 | €550,000 | ▲ 120% |
| Cash at bank and in hand54/58 | €162,011 | €138,674 | ▼ 14.4% |
| Deferred charges and accrued income490/1 | €222,074 | €213,746 | ▼ 3.8% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €3.6m | €3.5m | ▼ 2.7% |
| Equity10/15 | €11,805 | €19,415 | ▲ 64.5% |
| Contributions10/11 | €10,000 | €10,000 | = |
| Reserves13 | €1,805 | €9,415 | ▲ 422% |
| Distributable reserves133 | €1,805 | €9,415 | ▲ 422% |
| Amounts payable17/49 | €3.6m | €3.4m | ▼ 2.9% |
| Amounts payable after more than one year17 | €2.7m | €2.9m | ▲ 6.2% |
| Financial debts170/4 | €2.7m | €2.9m | ▲ 6.2% |
| Amounts payable within one year42/48 | €855,133 | €595,344 | ▼ 30.4% |
| Current portion of amounts payable after more than one year42 | €217,891 | €225,954 | ▲ 3.7% |
| Financial debts43 | €19,469 | €0 | ▼ 100% |
| Credit institutions430/8 | €19,469 | €0 | ▼ 100% |
| Trade debts44 | €517,131 | €265,216 | ▼ 48.7% |
| Suppliers440/4 | €517,131 | €265,216 | ▼ 48.7% |
| Taxes, remuneration and social security45 | €100,642 | €102,950 | ▲ 2.3% |
| Taxes450/3 | €15,307 | €17,644 | ▲ 15.3% |
| Remuneration and social security454/9 | €85,334 | €85,306 | = |
| Other amounts payable47/48 | - | €1,224 | - |
| Accrued charges and deferred income492/3 | €11,328 | €0 | ▼ 100% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €1,805 | €7,610 | ▲ 322% |
| + Depreciation and write-downs630 | €382,448 | €337,431 | ▼ 11.8% |
| Operating cash flow (approximation) | €384,252 | €345,041 | ▼ 10.2% |
| Investment in fixed assets (approximation) | - | €0 | - |
| Change in cash | - | -€23,337 | - |
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
22-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
28-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
NBB filing
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Liedekerke · 1 establishment unit since 2023
Ground area
2,178 m²
Building footprint
765 m²
Volume, LiDAR
4,011 m³
Parcel 23044A0104/00L000, Flanders · tallest building 10.3 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
DenderFin
since 20232.342.961.754
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23044A0104/00L000 | Flanders | 2,178 m² | 1 · 765 m² | 10.3 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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 302 EUR awarded · 302 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 0 EUR | 153 EUR |
| 2024 | 1 | 153 EUR | 149 EUR |
| 2023 | 1 | 149 EUR | 0 EUR |
Similar companies · same sector, comparable size
Capital Plan Invest
BE 0646.874.588
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MANON FINANCES
BE 0722.657.225
Hensies · Eq €19,142
L.M.D. FINANCES
BE 0474.969.705
Namur · Eq €18,984
Fin&Serv GVD
BE 0804.760.302
Lille · Eq €19,900
BDL ADVIES
BE 0734.545.663
Berlare · Eq €20,000
Of 1,682 companies in sector 66191 we hold annual accounts for 1,230. 534 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
Founded02-02-2023
Fiscal year end30-06
Activities, NACEBEL 2025
66191Agents and brokers in banking services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0797958721
Also
9925:BE0797958721
Registered
03-04-2025
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.