Summary
ERIFRE 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 €34,032 and a net result of €23,034. Equity is growing by ~45.1% per year across the filed fiscal years. Its solvency ranks better than 18% of 2460 sector peers (fiscal year 2025). The company has been active since 2011 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 18% of 2460 sector peers (2025).
NBB · sector comparisonPosition among 2460 sector peers
Solvency
better than 18%
← weakest
strongest →
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
5 d early
2022
31 d late
2021
29 d late
2020
23 d late
2019
66 d late
← 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 20 days after 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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€34,032▲ 209%
2024 · €10,998
Net result
€23,034
2024 · -€7,078
Total assets
€302,653▲ 3.0%
2024 · €293,976
Solvency
11.2%▲ 7.5pp
2024 · 3.7%
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
Line20212022202320242025
Operating result€28,615▲ 126%€15,324▼ 46.4%€25,317▲ 65.2%-€1,721€38,204
Net result€23,589within the sector's middle half▲ 212%€8,924within the sector's middle half▼ 62.2%€13,461within the sector's middle half▲ 50.8%-€7,078below the sector's middle half€23,034within the sector's middle half
Equity-€4,309below the sector's middle half▲ 84.6%€4,615below the sector's middle half€18,076below the sector's middle half▲ 292%€10,998below the sector's middle half▼ 39.2%€34,032below the sector's middle half▲ 209%
Total assets€309,265within the sector's middle half▲ 5.1%€300,625within the sector's middle half▼ 2.8%€310,001within the sector's middle half▲ 3.1%€293,976within the sector's middle half▼ 5.2%€302,653within the sector's middle half▲ 3.0%
Debt€313,574▼ 2.7%€296,010▼ 5.6%€291,926▼ 1.4%€282,978▼ 3.1%€268,622▼ 5.1%
Working capital-€39,065▲ 48.5%-€27,042▲ 30.8%-€19,063▲ 29.5%-€8,705▲ 54.3%€26,412
Solvency-1.4%below the sector's middle half▲ 8.1pp1.5%below the sector's middle half▲ 2.9pp5.8%below the sector's middle half▲ 4.3pp3.7%below the sector's middle half▼ 2.1pp11.2%below the sector's middle half▲ 7.5pp
Staff (FTE)1.4▲ 16.7%1.8▲ 28.6%1.8=1.8=1.4▼ 22.2%
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 returns to profit in 2025: €38,204 after a loss of €1,721 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €302,653
Fixed assets
€138,605 ▼ 14.5%
Current assets
€164,048 ▲ 24.4%
Equity and liabilities €302,653
Equity
€34,032 ▲ 209%
Debt
€268,622 ▼ 5.1%
Debt's share of the balance-sheet total falls from 96.3% to 88.8%. Equity is higher and debt is lower.
Key figures and ratios
ROE
67.7%▲
2024 · -64.4%
ROA
7.6%▲
2024 · -2.4%
Debt ≤ 1 year
€137,636▼
2024 · €140,572
Debt > 1 year
€130,985▼
2024 · €142,406
Income taxes
€11,322▲
2024 · €1,176
Staff costs
€102,891▼
2024 · €119,173
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €74,377 | €103,134 | €98,910 | €119,173 | €102,891 | ▼ 13.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €29,645 | €27,434 | €26,199 | €29,254 | €28,464 | ▼ 2.7% |
| Other operating charges640/8 | €2,044 | €2,304 | €2,831 | €13,032 | €3,119 | ▼ 76.1% |
| Gross operating margin9900 | €134,680 | €148,196 | €153,258 | €159,738 | €172,678 | ▲ 8.1% |
| Operating profit (loss)9901 | €28,615 | €15,324 | €25,317 | -€1,721 | €38,204 | ▲ 2,320% |
| Financial income75/76B | €2 | €10 | €4 | €3 | €4 | ▲ 32.5% |
| Recurring financial income75 | €2 | €10 | €4 | €3 | €4 | ▲ 32.5% |
| Financial charges65/66B | €4,881 | €4,643 | €4,400 | €4,183 | €3,852 | ▼ 7.9% |
| Recurring financial charges65 | €4,881 | €4,643 | €4,400 | €4,183 | €3,852 | ▼ 7.9% |
| Profit (loss) for the period before taxes9903 | €23,735 | €10,691 | €20,922 | -€5,902 | €34,356 | ▲ 682% |
| Income taxes67/77 | €146 | €1,766 | €7,461 | €1,176 | €11,322 | ▲ 863% |
| Profit (loss) for the period9904 | €23,589 | €8,924 | €13,461 | -€7,078 | €23,034 | ▲ 425% |
| Profit (loss) for the period to be appropriated9905 | €23,589 | €8,924 | €13,461 | -€7,078 | €23,034 | ▲ 425% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €309,265 | €300,625 | €310,001 | €293,976 | €302,653 | ▲ 3.0% |
| Fixed assets21/28 | €210,243 | €196,533 | €190,689 | €162,109 | €138,605 | ▼ 14.5% |
| Intangible fixed assets21 | €1,214 | - | - | - | - | - |
| Tangible fixed assets22/27 | €209,029 | €196,533 | €190,689 | €162,109 | €138,605 | ▼ 14.5% |
| Plant, machinery and equipment23 | €5,495 | €5,505 | €3,879 | €2,551 | €919 | ▼ 64.0% |
| Furniture and vehicles24 | €12,116 | €8,648 | €24,820 | €17,959 | €16,478 | ▼ 8.2% |
| Other tangible fixed assets26 | €191,417 | €182,380 | €161,990 | €141,599 | €121,209 | ▼ 14.4% |
| Current assets29/58 | €99,022 | €104,092 | €119,312 | €131,867 | €164,048 | ▲ 24.4% |
| Amounts receivable within one year40/41 | €27,459 | €38,896 | €37,482 | €38,950 | €53,458 | ▲ 37.2% |
| Trade receivables40 | €14,440 | €17,866 | €20,533 | €16,092 | €21,809 | ▲ 35.5% |
| Other amounts receivable41 | €13,019 | €21,029 | €16,948 | €22,857 | €31,649 | ▲ 38.5% |
| Cash at bank and in hand54/58 | €69,878 | €63,973 | €78,035 | €91,120 | €107,523 | ▲ 18.0% |
| Deferred charges and accrued income490/1 | €1,685 | €1,223 | €3,795 | €1,798 | €3,067 | ▲ 70.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €309,265 | €300,625 | €310,001 | €293,976 | €302,653 | ▲ 3.0% |
| Equity10/15 | -€4,309 | €4,615 | €18,076 | €10,998 | €34,032 | ▲ 209% |
| Contributions10/11 | €13,400 | €13,400 | €13,400 | €13,400 | €13,400 | = |
| Reserves13 | €100 | €100 | €100 | €100 | €100 | = |
| Non-distributable reserves130/1 | €100 | €100 | - | - | - | - |
| Reserves not available under the articles1311 | €100 | €100 | - | - | - | - |
| Distributable reserves133 | - | - | €100 | €100 | €100 | = |
| Profit (loss) carried forward14 | -€17,809 | -€8,885 | €4,576 | -€2,502 | €20,532 | ▲ 921% |
| Amounts payable17/49 | €313,574 | €296,010 | €291,926 | €282,978 | €268,622 | ▼ 5.1% |
| Amounts payable after more than one year17 | €175,037 | €164,425 | €153,550 | €142,406 | €130,985 | ▼ 8.0% |
| Financial debts170/4 | €175,037 | €164,425 | €153,550 | €142,406 | €130,985 | ▼ 8.0% |
| Amounts payable within one year42/48 | €138,087 | €131,135 | €138,375 | €140,572 | €137,636 | ▼ 2.1% |
| Current portion of amounts payable after more than one year42 | €11,207 | €11,485 | €11,769 | €12,061 | €12,360 | ▲ 2.5% |
| Trade debts44 | €814 | €2,427 | €2,570 | €911 | €2,046 | ▲ 125% |
| Suppliers440/4 | €814 | €2,427 | €2,570 | €911 | €2,046 | ▲ 125% |
| Taxes, remuneration and social security45 | €5,231 | €6,684 | €11,997 | €16,252 | €13,985 | ▼ 13.9% |
| Taxes450/3 | €2,756 | €3,800 | €10,667 | €12,379 | €13,985 | ▲ 13.0% |
| Remuneration and social security454/9 | €2,475 | €2,884 | €1,330 | €3,873 | €0 | ▼ 100% |
| Other amounts payable47/48 | €120,835 | €110,539 | €112,039 | €111,349 | €109,246 | ▼ 1.9% |
| Accrued charges and deferred income492/3 | €450 | €450 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €23,589 | €8,924 | €13,461 | -€7,078 | €23,034 | ▲ 425% |
| + Depreciation and write-downs630 | €29,645 | €27,434 | €26,199 | €29,254 | €28,464 | ▼ 2.7% |
| Operating cash flow (approximation) | €53,234 | €36,358 | €39,660 | €22,176 | €51,498 | ▲ 132% |
| Investment in fixed assets (approximation) | - | -€13,723 | -€20,356 | -€674 | -€4,960 | ▼ 636% |
| Change in cash | - | -€5,905 | €14,062 | €13,084 | €16,403 | ▲ 25.4% |
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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €23,034
Net result €23,034 after one loss-making year.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Highest result since 2018net €23,589 ▲212%
Net result €23,589, the highest in the series.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
05-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 66 days late
2019
31-12
Financial
Back to profitnet €1,971
Net result €1,971 after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Temse · 1 establishment unit since 2011
Ground area
1,665 m²
Building footprint
166 m²
Volume, LiDAR
1,845 m³
Parcel 46302D0360/00X004, Flanders · tallest building 15.2 m, ±4 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Kouterstraat 56, 9140 Temse
since 20112.198.833.414
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46302D0360/00X004 | Flanders | 1,665 m² | 1 · 166 m² | 15.2 m · 4 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.
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Of 4,673 companies in sector 66220 we hold annual accounts for 3,220. 1,978 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
Founded18-03-2011
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?
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Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.