Summary
Etienne BINON 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 €29,684 and a net result of €786. Equity is shrinking by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 64% of 2515 sector peers (fiscal year 2025). The company has been active since 2009 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 07-05-2026, 85 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
85 d early
2024
45 d early
2023
62 d early
2022
34 d early
2021
34 d early
2020
25 d early
2019
31 d early
← 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 45 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 39% 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. Usually files around 16 June (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 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 What held for this company on a given day: board, seat, name?Company as of a date
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€29,684▲ 2.7%
2024 · €28,898
Net result
€786
2024 · -€3,448
Total assets
€45,752▼ 34.6%
2024 · €69,910
Solvency
64.9%▲ 23.5pp
2024 · 41.3%
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: 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. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€2,683▼ 82.2%€937▼ 65.1%€60,432▲ 6,348%€10,235▼ 83.1%€2,033▼ 80.1%
Net result-€1,079below the sector's middle half€514below the sector's middle half€62,652within the sector's middle half▲ 12,083%-€3,448below the sector's middle half€786below the sector's middle half
Equity€40,180within the sector's middle half▼ 2.6%€40,694within the sector's middle half▲ 1.3%€32,346below the sector's middle half▼ 20.5%€28,898below the sector's middle half▼ 10.7%€29,684below the sector's middle half▲ 2.7%
Total assets€46,425below the sector's middle half▼ 28.7%€47,794below the sector's middle half▲ 2.9%€51,884below the sector's middle half▲ 8.6%€69,910below the sector's middle half▲ 34.7%€45,752below the sector's middle half▼ 34.6%
Debt€6,246▼ 73.8%€7,101▲ 13.7%€19,538▲ 175%€41,012▲ 110%€16,069▼ 60.8%
Working capital€18,479within the sector's middle half▲ 37.1%€22,324within the sector's middle half▲ 20.8%€21,920within the sector's middle half▼ 1.8%€21,903within the sector's middle half▼ 0.1%€33,374within the sector's middle half▲ 52.4%
Solvency86.5%above the sector's middle half▲ 23.2pp85.1%above the sector's middle half▼ 1.4pp62.3%within the sector's middle half▼ 22.8pp41.3%within the sector's middle half▼ 21.0pp64.9%within the sector's middle half▲ 23.5pp
Current ratio3.96within the sector's middle half▲ 2.394.14above the sector's middle half▲ 0.192.82within the sector's middle half▼ 1.321.60within the sector's middle half▼ 1.226.60above the sector's middle half▲ 4.99
Return on assets (ROA)-2.3%below the sector's middle half▼ 18.4pp1.1%below the sector's middle half▲ 3.4pp120.8%above the sector's middle half▲ 119.7pp-4.9%below the sector's middle half▼ 125.7pp1.7%below the sector's middle half▲ 6.7pp
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 has fallen two years in a row; 2025 is 80% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €45,752
Fixed assets
€6,415 ▼ 45.2%
Current assets
€39,337 ▼ 32.4%
Equity and liabilities €45,752
Equity
€29,684 ▲ 2.7%
Debt
€16,069 ▼ 60.8%
Debt's share of the balance-sheet total falls from 58.7% to 35.1%. Equity is higher and debt is lower.
Key figures and ratios
ROE
2.6%▲
2024 · -11.9%
Debt ≤ 1 year
€5,962▼
2024 · €36,303
Income taxes
€1,041▼
2024 · €13,651
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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,081 | €5,475 | €5,542 | €6,244 | €6,376 | ▲ 2.1% |
| Other operating charges640/8 | €928 | €968 | €460 | €521 | €540 | ▲ 3.7% |
| Non-recurring operating charges66A | - | - | €1,260 | - | - | - |
| Gross operating margin9900 | €9,691 | €7,380 | €67,693 | €16,999 | €8,949 | ▼ 47.4% |
| Operating profit (loss)9901 | €2,683 | €937 | €60,432 | €10,235 | €2,033 | ▼ 80.1% |
| Financial income75/76B | €7 | €7 | €10,044 | €7 | €58 | ▲ 766% |
| Recurring financial income75 | €7 | €7 | €44 | €7 | €58 | ▲ 766% |
| Non-recurring financial income76B | - | - | €10,000 | - | - | - |
| Financial charges65/66B | €151 | €0 | €7 | €38 | €264 | ▲ 586% |
| Recurring financial charges65 | €151 | €0 | €7 | €38 | €264 | ▲ 586% |
| Profit (loss) for the period before taxes9903 | €2,538 | €944 | €70,469 | €10,203 | €1,827 | ▼ 82.1% |
| Income taxes67/77 | €3,617 | €430 | €7,817 | €13,651 | €1,041 | ▼ 92.4% |
| Profit (loss) for the period9904 | -€1,079 | €514 | €62,652 | -€3,448 | €786 | ▲ 123% |
| Transfer from tax-exempt reserves789 | €11,900 | - | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €10,821 | €514 | €62,652 | -€3,448 | €786 | ▲ 123% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €46,425 | €47,794 | €51,884 | €69,910 | €45,752 | ▼ 34.6% |
| Fixed assets21/28 | €21,700 | €18,370 | €17,947 | €11,704 | €6,415 | ▼ 45.2% |
| Tangible fixed assets22/27 | €21,700 | €18,370 | €17,947 | €11,704 | €6,415 | ▼ 45.2% |
| Furniture and vehicles24 | €943 | €2,260 | €6,484 | €4,888 | €4,247 | ▼ 13.1% |
| Other tangible fixed assets26 | €20,757 | €16,110 | €11,463 | €6,816 | €2,169 | ▼ 68.2% |
| Current assets29/58 | €24,725 | €29,424 | €33,936 | €58,206 | €39,337 | ▼ 32.4% |
| Amounts receivable within one year40/41 | €7,568 | €5,039 | €13,174 | €22,548 | €20,843 | ▼ 7.6% |
| Trade receivables40 | €7,568 | - | €13,174 | €6,586 | €13,925 | ▲ 111% |
| Other amounts receivable41 | - | €5,039 | - | €15,962 | €6,918 | ▼ 56.7% |
| Cash at bank and in hand54/58 | €15,880 | €23,063 | €20,101 | €35,658 | €18,494 | ▼ 48.1% |
| Deferred charges and accrued income490/1 | €1,277 | €1,323 | €661 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €46,425 | €47,794 | €51,884 | €69,910 | €45,752 | ▼ 34.6% |
| Equity10/15 | €40,180 | €40,694 | €32,346 | €28,898 | €29,684 | ▲ 2.7% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €22,360 | €22,360 | €22,360 | €22,360 | €22,360 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | €20,500 | €20,500 | €20,500 | €20,500 | €20,500 | = |
| Profit (loss) carried forward14 | €11,620 | €12,134 | €3,786 | €338 | €1,124 | ▲ 233% |
| Amounts payable17/49 | €6,246 | €7,101 | €19,538 | €41,012 | €16,069 | ▼ 60.8% |
| Amounts payable within one year42/48 | €6,246 | €7,101 | €12,016 | €36,303 | €5,962 | ▼ 83.6% |
| Trade debts44 | €3,914 | €4,810 | €4,028 | €31,149 | €1,285 | ▼ 95.9% |
| Suppliers440/4 | €3,914 | €4,810 | €4,028 | €31,149 | €1,285 | ▼ 95.9% |
| Taxes, remuneration and social security45 | €1,040 | €1,251 | €7,762 | €5,154 | €4,677 | ▼ 9.2% |
| Taxes450/3 | €731 | €428 | €7,762 | €3,654 | €4,677 | ▲ 28.0% |
| Remuneration and social security454/9 | €309 | €823 | - | €1,500 | - | - |
| Other amounts payable47/48 | €1,291 | €1,039 | €226 | - | - | - |
| Accrued charges and deferred income492/3 | - | - | €7,521 | €4,709 | €10,106 | ▲ 115% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€1,079 | €514 | €62,652 | -€3,448 | €786 | ▲ 123% |
| + Depreciation and write-downs630 | €6,081 | €5,475 | €5,542 | €6,244 | €6,376 | ▲ 2.1% |
| Operating cash flow (approximation) | €5,002 | €5,990 | €68,194 | €2,795 | €7,161 | ▲ 156% |
| Investment in fixed assets (approximation) | - | -€2,145 | -€5,119 | €0 | -€1,087 | - |
| Change in cash | - | €7,182 | -€2,962 | €15,557 | -€17,164 | ▼ 210% |
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
07-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
20-03
State Gazette act
Resignation: Etienne Binon (director)Permanent representatives: Valérie Fauville and Raphaël Dehon4 facts ▸
State Gazette act
Resignation: Etienne Binon (director)
Permanent representatives: Valérie Fauville and Raphaël Dehon4 facts ▸
- General meeting, 24/12/2025
- Director resignation, Etienne Binon (director)
- Permanent representative, Valérie Fauville
- Permanent representative, Raphaël Dehon
2025
31-12
Financial
Back to profitnet €786
Net result €786 after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 6.60
Current ratio from 1.60 to 6.60; short-term debt falls from €36,303 to €5,962.
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet -€3,448
Net result drops to -€3,448, the lowest in the series; recovery starts the following year.
30-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €62,652 ▲12,083%
Operating result €60,432, net result €62,652, both a record.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €514
Net result €514 after one loss-making year.
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity triplescurrent ratio 3.96
Current ratio from 1.56 to 3.96; short-term debt falls from €23,858 to €6,246.
Show earlier events
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
21-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 5 acts read
About the unread acts
Of the 5 Belgian State Gazette acts we know for this company, 1 has been read. The other 4 have not 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
no sitting director, last change in 2025
We have established no sitting directors for this company in the Gazette acts read. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Mettet · 1 establishment unit since 2009
Ground area
1,413 m²
Building footprint
210 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue Albert Ier 6, 5640 Mettet
since 20092.177.291.296
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92013B0440/00R019 | Wallonia | 1,303 m² | 1 · 125 m² | - |
| 92087F0129/00K000 | Wallonia | 110 m² | 1 · 85 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
1 person since 2025, 0 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Etienne Binon |
|
Structure & network
Owners and holdings
1 ownerChain of control
- Bapant Management
- Etienne BINON
Highest known parent: Bapant Management. The sources do not say who stands above it.
Owners 1
- Bapant Managementparent100%
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
YILMAZ BROTHER'S & CO
BE 0717.725.962
Charleroi · Eq €29,756
B AND B PARTNERS
BE 0841.597.635
Chaumont-Gistoux · Eq €29,769
DGSA CONSULT
BE 1003.702.748
Péruwelz · Eq €29,551
Merlein
BE 1025.243.874
Lievegem · Eq €29,862
EDDA
BE 0896.866.156
Nijlen · Eq €29,872
Of 4,671 companies in this sector we hold annual accounts for 3,221. 1,861 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded26-02-2009
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0810070655
Also
9925:BE0810070655
Registered
01-04-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.