EQUIFIDES · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

EQUIFIDES 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 €208k and a net result of €237k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 65% of 756 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Trust signals

3 signals

More than 3 years active

Founded in 2021, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.

Administratively compliant

No FOD Economie strikeouts (UBO, accounts, address, activity).

Administrative Flags

0 events

No administrative flags

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Financials

Equity€208k

Net result€237k

Total assets€351k+12.8%

Solvency59.2%+68.5pp

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 29-09-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

Sector comparison

Fiscal year 2024 · NACE 66 · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	59.2%	38.8%	better than 65% of 756 sector peers
Net result	€237k	€28k	better than 95% of 755 sector peers
Equity	€208k	€62k	better than 82% of 756 sector peers
Gross operating margin	€756k	€66k	better than 95% of 753 sector peers
Staff costs	€450k	€63k	higher than 95% of 263 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Net profit

€237k

- far above sector median

Total assets

€351k

+12.8% +114% vs sector

Equity

€208k

- +108% vs sector

Employees (FTE)

2

+10.0% +47% vs sector

Staff costs

€450k

+20.1% far above sector median

Income taxes

€62k

+609335.5% far above sector median

Debt

€143k

-57.9% +124% vs sector

Debt ≤ 1y

€143k

-57.9% +146% vs sector

Solvency

59.2%

- +6% vs sector

ROE

113.9%

+47.9% +112% vs sector

ROA

67.5%

- +111% vs sector

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Revenue	n/a
EBITDA	n/a
Net profit	€237k
Cash flow	n/a
Staff costs	€450k
Income taxes	€62k
Dividends	-
Total assets	€351k
Equity	€208k
Debt	€143k
of which ≤ 1y	€143k
of which > 1y	-
Working capital	n/a
Employees (FTE)	2.2

Ratios (computed)

	2024
Current ratio	n/a
Quick ratio	n/a
Working capital ratio	n/a
Solvency	59.2%
Debt / equity	n/a
Long-term debt ratio	n/a
Interest coverage	n/a
Gross margin	n/a
Net margin	n/a
ROA	67.5%
ROE	113.9%
EBITDA margin	n/a
Days sales outstanding	n/a
Days payable outstanding	n/a
Inventory turnover	n/a
Days inventory (DSI)	n/a

Balance-sheet composition 2024

Assets

Fixed assets €24k · 6.8% Current assets €327k · 93.2%

Equity & liabilities

Equity €208k · 59.2% Debt €143k · 40.8%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€351k
Fixed assets	21/28	€24k
Intangible fixed assets	21	€20k
Tangible fixed assets	22/27	€3k
Financial fixed assets	28	€835
Current assets	29/58	€327k
Amounts receivable within one year	40/41	€38k
Investments	50/53	€0
Cash & bank	54/58	€254k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€351k
Equity	10/15	€208k
Contributions / capital	10/11	€10k
Accumulated profits (losses)	14	€198k
Amounts payable	17/49	€143k
Amounts payable within one year	42/48	€143k
Trade debts payable within one year	44	€28k
Income statement
Gross operating margin	9900	€756k
Operating result	9901	€301k
Financial income	75	€1k
Financial charges	65	€3k
Result before taxes	9903	€299k
Income taxes	67/77	€62k
Net result for the period	9904	€237k
Result to be appropriated	9905	€237k

You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2024 · computed

Model not applicable to financial institutions

The health 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.

Structure & network

Locations & real estate

Establishment units

1 location

EQUIFIDES

Thier Martin 132, 4651 HerveActiviteiten van verzekeringsagenten en -makelaars

since 20212.316.867.467

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels2

Ground area4,087 m²

Buildings2

Building footprint677 m²

Volume (LiDAR)1,403 m³

Tallest building7.8 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 2 (100%)