Summary
DIRECTFIN 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 €167,477 and a net result of €17,173. Equity is growing by ~40.8% per year across the filed fiscal years. Its solvency ranks better than 57% of 2460 sector peers (fiscal year 2025). The company has been active since 2021 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.
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. 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 13-07-2026, 18 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
18 d early
2024
19 d early
2023
5 d early
2022
7 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 12 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
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 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 changed in the latest annual accounts?What changed Is the workforce growing, and do people stay?Employer check
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€167,477▼ 7.1%
2024 · €180,304
Net result
€17,173▼ 88.3%
2024 · €146,935
Total assets
€289,425▼ 0.2%
2024 · €290,060
Solvency
57.9%▼ 4.3pp
2024 · 62.2%
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
Line2022202320242025
Operating result€36,106-€45,470▲ 25.9%€198,171▲ 336%€26,632▼ 86.6%
Net result€28,745within the sector's middle half-€29,624within the sector's middle half▲ 3.1%€146,935above the sector's middle half▲ 396%€17,173within the sector's middle half▼ 88.3%
Equity€35,745below the sector's middle half-€65,369within the sector's middle half▲ 82.9%€180,304within the sector's middle half▲ 176%€167,477within the sector's middle half▼ 7.1%
Total assets€45,811below the sector's middle half-€113,506below the sector's middle half▲ 148%€290,060within the sector's middle half▲ 156%€289,425within the sector's middle half▼ 0.2%
Debt€10,066-€48,137▲ 378%€109,756▲ 128%€121,948▲ 11.1%
Working capital€37,301-€68,463▲ 83.5%€176,872▲ 158%€165,258▼ 6.6%
Solvency78.0%above the sector's middle half-57.6%within the sector's middle half▼ 20.4pp62.2%within the sector's middle half▲ 4.6pp57.9%within the sector's middle half▼ 4.3pp
Staff (FTE)11.8▲ 80.0%1.8=
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 micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 87% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €289,173
Fixed assets
€3,847 ▲ 31.7%
Current assets
€285,326 ▼ 0.5%
Equity and liabilities €289,425
Equity
€167,477 ▼ 7.1%
Debt
€121,948 ▲ 11.1%
Debt's share of the balance-sheet total rises from 37.8% to 42.1%. Equity is lower and debt is higher.
Key figures and ratios
ROE
10.3%▼
2024 · 81.5%
ROA
5.9%▼
2024 · 50.7%
Debt ≤ 1 year
€120,068▲
2024 · €109,756
Income taxes
€9,240▼
2024 · €48,645
Staff costs
€99,861▲
2024 · €90,365
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €67,076 | €90,365 | €99,861 | ▲ 10.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €268 | €834 | €1,133 | €1,133 | = |
| Other operating charges640/8 | €633 | €2,370 | €2,004 | €880 | ▼ 56.1% |
| Gross operating margin9900 | €37,007 | €115,750 | €291,673 | €128,506 | ▼ 55.9% |
| Operating profit (loss)9901 | €36,106 | €45,470 | €198,171 | €26,632 | ▼ 86.6% |
| Financial income75/76B | - | €52 | €1,642 | €1,911 | ▲ 16.4% |
| Recurring financial income75 | - | €52 | €1,642 | €1,911 | ▲ 16.4% |
| Financial charges65/66B | €93 | €3,155 | €4,233 | €2,130 | ▼ 49.7% |
| Recurring financial charges65 | €93 | €3,155 | €4,233 | €2,130 | ▼ 49.7% |
| Profit (loss) for the period before taxes9903 | €36,013 | €42,367 | €195,580 | €26,413 | ▼ 86.5% |
| Income taxes67/77 | €7,268 | €12,743 | €48,645 | €9,240 | ▼ 81.0% |
| Profit (loss) for the period9904 | €28,745 | €29,624 | €146,935 | €17,173 | ▼ 88.3% |
| Profit (loss) for the period to be appropriated9905 | €28,745 | €29,624 | €146,935 | €17,173 | ▼ 88.3% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €45,811 | €113,506 | €290,060 | €289,425 | ▼ 0.2% |
| Formation expenses20 | €1,032 | €772 | €512 | €252 | ▼ 50.8% |
| Fixed assets21/28 | - | €3,794 | €2,920 | €3,847 | ▲ 31.7% |
| Tangible fixed assets22/27 | - | €3,794 | €2,920 | €2,047 | ▼ 29.9% |
| Land and buildings22 | - | €3,794 | €2,920 | €2,047 | ▼ 29.9% |
| Financial fixed assets28 | - | - | - | €1,800 | - |
| Current assets29/58 | €44,779 | €108,940 | €286,628 | €285,326 | ▼ 0.5% |
| Amounts receivable after more than one year29 | - | - | €48,740 | €45,469 | ▼ 6.7% |
| Other amounts receivable291 | - | - | €48,740 | €45,469 | ▼ 6.7% |
| Amounts receivable within one year40/41 | - | €55,967 | €19,713 | €34,730 | ▲ 76.2% |
| Trade receivables40 | - | €1,249 | €16,899 | €31,464 | ▲ 86.2% |
| Other amounts receivable41 | - | €54,718 | €2,814 | €3,266 | ▲ 16.1% |
| Cash at bank and in hand54/58 | €42,638 | €23,383 | €31,637 | €62,912 | ▲ 98.9% |
| Deferred charges and accrued income490/1 | €2,141 | €29,590 | €186,538 | €142,215 | ▼ 23.8% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €45,811 | €113,506 | €290,060 | €289,425 | ▼ 0.2% |
| Equity10/15 | €35,745 | €65,369 | €180,304 | €167,477 | ▼ 7.1% |
| Contributions10/11 | €7,000 | €7,000 | €7,000 | €7,000 | = |
| Profit (loss) carried forward14 | €28,745 | €58,369 | €173,304 | €160,477 | ▼ 7.4% |
| Amounts payable17/49 | €10,066 | €48,137 | €109,756 | €121,948 | ▲ 11.1% |
| Amounts payable within one year42/48 | €7,478 | €40,477 | €109,756 | €120,068 | ▲ 9.4% |
| Trade debts44 | €110 | €11,842 | €16,560 | €19,186 | ▲ 15.9% |
| Suppliers440/4 | €110 | €11,842 | €16,560 | €19,186 | ▲ 15.9% |
| Taxes, remuneration and social security45 | €7,268 | €28,635 | €61,196 | €70,882 | ▲ 15.8% |
| Taxes450/3 | €7,268 | €20,011 | €48,645 | €57,884 | ▲ 19.0% |
| Remuneration and social security454/9 | - | €8,624 | €12,551 | €12,998 | ▲ 3.6% |
| Other amounts payable47/48 | €100 | - | €32,000 | €30,000 | ▼ 6.3% |
| Accrued charges and deferred income492/3 | €2,588 | €7,660 | - | €1,880 | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €28,745 | €29,624 | €146,935 | €17,173 | ▼ 88.3% |
| + Depreciation and write-downs630 | €268 | €834 | €1,133 | €1,133 | = |
| Operating cash flow (approximation) | €29,013 | €30,458 | €148,068 | €18,306 | ▼ 87.6% |
| Investment in fixed assets (approximation) | - | - | -€259 | -€2,060 | ▼ 695% |
| Change in cash | - | -€19,255 | €8,254 | €31,275 | ▲ 279% |
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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €17,173 ▼88.3%
Net result drops to €17,173, the lowest in the series.
12-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €146,935 ▲396%
Operating result €198,171, net result €146,935, both a record.
31-12
Financial
Equity above €150,000Eq €180,304 ▲176%
3 profitable years in a row build equity to €180,304.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Fleurus · 1 establishment unit since 2021
Ground area
158 m²
Building footprint
66 m²
Volume, LiDAR
954 m³
Parcel 52021D0486/00K000, Wallonia · tallest building 16.7 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Place Albert Ier(FL) 11, 6220 Fleurus
since 20212.325.790.675
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52021D0486/00K000indicative | Wallonia | 158 m² | 1 · 66 m² | 16.7 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
Zakenkantoor Ivo Andries
BE 0629.952.246
Lier · Eq €167,107
DAMPORT
BE 0834.440.223
Brugge · Eq €167,992
ASSURANCES RUDY KOHN
BE 0832.961.071
Morlanwelz · Eq €168,001
Eugéne Stevens en Zoon Verzekeringen
BE 0424.196.242
Kalmthout · Eq €166,811
RJ 5049
BE 0458.844.543
Roeselare · Eq €168,188
Of 4,673 companies in sector 66220 we hold annual accounts for 3,222. 2,822 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
Founded24-12-2021
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
What can you do?
Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.
If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.