Summary
EXPONENTIALS 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 €37,218 and a net result of -€4,299. Equity is shrinking by ~3.5% per year across the filed fiscal years. Its solvency ranks better than 57% of 2469 sector peers (fiscal year 2025). The company has been active since 1976 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
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
8 d early
2023
29 d late
2022
3 d late
2021
74 d early
2020
72 d early
2019
72 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 23 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. Usually files around 3 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€37,218▼ 16.0%
2024 · €44,281
Net result
-€4,299▲ 72.0%
2024 · -€15,329
Total assets
€64,867▼ 25.7%
2024 · €87,357
Solvency
57.4%▲ 6.7pp
2024 · 50.7%
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
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), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€107,608€102,945▼ 4.3%€97,818▼ 5.0%€75,995▼ 22.3%
Operating result-€1,787€8,870-€21,149-€19,298▲ 8.8%-€8,204▲ 57.5%
Net result€1,448below the sector's middle half▼ 62.6%€13,526within the sector's middle half▲ 834%-€17,302below the sector's middle half-€15,329below the sector's middle half▲ 11.4%-€4,299below the sector's middle half▲ 72.0%
Equity€71,677within the sector's middle half▲ 2.1%€82,440within the sector's middle half▲ 15.0%€62,373within the sector's middle half▼ 24.3%€44,281within the sector's middle half▼ 29.0%€37,218within the sector's middle half▼ 16.0%
Total assets€190,649within the sector's middle half▲ 61.9%€160,349within the sector's middle half▼ 15.9%€130,187below the sector's middle half▼ 18.8%€87,357below the sector's middle half▼ 32.9%€64,867below the sector's middle half▼ 25.7%
Debt€107,872▲ 234%€68,201▼ 36.8%€59,498▼ 12.8%€36,152▼ 39.2%€22,118▼ 38.8%
Working capital-€76,651below the sector's middle half▼ 273%-€59,193below the sector's middle half▲ 22.8%-€41,942below the sector's middle half▲ 29.1%-€12,864below the sector's middle half▲ 69.3%-€4,441within the sector's middle half▲ 65.5%
Solvency37.6%within the sector's middle half▼ 22.0pp51.4%within the sector's middle half▲ 13.8pp47.9%within the sector's middle half▼ 3.5pp50.7%within the sector's middle half▲ 2.8pp57.4%within the sector's middle half▲ 6.7pp
Current ratio0.09below the sector's middle half▼ 0.070.13below the sector's middle half▲ 0.040.30below the sector's middle half▲ 0.160.64below the sector's middle half▲ 0.350.80below the sector's middle half▲ 0.16
Return on assets (ROA)0.8%below the sector's middle half▼ 2.5pp8.4%within the sector's middle half▲ 7.7pp-13.3%below the sector's middle half▼ 21.7pp-17.5%below the sector's middle half▼ 4.3pp-6.6%below the sector's middle half▲ 10.9pp
Staff (FTE)11=
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 stays negative: a loss of €8,204 in 2025 against €19,298 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €64,867
Fixed assets
€47,190 ▼ 26.3%
Current assets
€17,677 ▼ 24.1%
Equity and liabilities €64,867
Equity
€37,218 ▼ 16.0%
Provisions
€5,532 ▼ 20.1%
Debt
€22,118 ▼ 38.8%
Debt's share of the balance-sheet total falls from 41.4% to 34.1%. Equity and debt are lower.
Key figures and ratios
ROE
-11.6%▲
2024 · -34.6%
Debt ≤ 1 year
€22,118▼
2024 · €36,152
Income taxes
€179▲
2024 · €120
Staff costs
€33,282▼
2024 · €33,771
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 |
|---|---|---|---|---|---|---|
| Turnover70 | - | €107,608 | €102,945 | €97,818 | €75,995 | ▼ 22.3% |
| Non-recurring operating income76A | - | - | €105 | €76 | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | €56,078 | €55,684 | €38,980 | €33,083 | ▼ 15.1% |
| Remuneration, social security and pensions62 | - | €10,916 | €18,295 | €33,771 | €33,282 | ▼ 1.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €22,018 | €31,364 | €49,713 | €48,563 | €15,674 | ▼ 67.7% |
| Other operating charges640/8 | €1,761 | €1,962 | €2,239 | €2,319 | €768 | ▼ 66.9% |
| Non-recurring operating charges66A | - | - | €0 | €0 | €3,822 | - |
| Gross operating margin9900 | €21,992 | €53,112 | €49,098 | €65,355 | €45,342 | ▼ 30.6% |
| Operating profit (loss)9901 | -€1,787 | €8,870 | -€21,149 | -€19,298 | -€8,204 | ▲ 57.5% |
| Financial income75/76B | €16 | €777 | - | - | - | - |
| Recurring financial income75 | €16 | €777 | - | - | - | - |
| Financial charges65/66B | €820 | €43 | €59 | €67 | €72 | ▲ 7.4% |
| Recurring financial charges65 | €820 | €43 | €59 | €67 | €72 | ▲ 7.4% |
| Profit (loss) for the period before taxes9903 | -€2,591 | €9,603 | -€21,208 | -€19,365 | -€8,277 | ▲ 57.3% |
| Transfer from deferred taxes780 | €4,156 | €4,156 | €4,156 | €4,156 | €4,156 | = |
| Income taxes67/77 | €117 | €233 | €250 | €120 | €179 | ▲ 49.4% |
| Profit (loss) for the period9904 | €1,448 | €13,526 | -€17,302 | -€15,329 | -€4,299 | ▲ 72.0% |
| Transfer from tax-exempt reserves789 | €4,181 | €4,181 | €4,181 | €4,181 | €4,181 | = |
| Transfer to tax-exempt reserves689 | €2,764 | €2,764 | €2,764 | €2,764 | €2,764 | = |
| Profit (loss) for the period to be appropriated9905 | €2,865 | €14,943 | -€15,885 | -€13,912 | -€2,882 | ▲ 79.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €190,649 | €160,349 | €130,187 | €87,357 | €64,867 | ▼ 25.7% |
| Fixed assets21/28 | €182,705 | €151,341 | €112,631 | €64,068 | €47,190 | ▼ 26.3% |
| Intangible fixed assets21 | €99,736 | €78,036 | €38,936 | €3,472 | €0 | ▼ 100% |
| Tangible fixed assets22/27 | €82,969 | €73,305 | €73,695 | €60,596 | €47,190 | ▼ 22.1% |
| Land and buildings22 | €63,737 | €57,337 | €50,937 | €44,537 | €38,137 | ▼ 14.4% |
| Furniture and vehicles24 | €1,715 | €959 | €10,546 | €6,236 | €1,828 | ▼ 70.7% |
| Other tangible fixed assets26 | €17,517 | €15,009 | €12,212 | €9,824 | €7,225 | ▼ 26.4% |
| Current assets29/58 | €7,944 | €9,008 | €17,556 | €23,289 | €17,677 | ▼ 24.1% |
| Amounts receivable within one year40/41 | €2,173 | €0 | €15,253 | €15,253 | €15,253 | = |
| Trade receivables40 | €2,173 | €0 | €15,253 | €15,253 | €15,253 | = |
| Current investments50/53 | - | €144 | €0 | - | - | - |
| Cash at bank and in hand54/58 | €4,729 | €8,705 | €1,839 | €6,725 | €836 | ▼ 87.6% |
| Deferred charges and accrued income490/1 | €1,042 | €159 | €464 | €1,311 | €1,588 | ▲ 21.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €190,649 | €160,349 | €130,187 | €87,357 | €64,867 | ▼ 25.7% |
| Equity10/15 | €71,677 | €82,440 | €62,373 | €44,281 | €37,218 | ▼ 16.0% |
| Contributions10/11 | €148,000 | €148,000 | €148,000 | €148,000 | €148,000 | = |
| Outside capital11 | - | €148,000 | - | - | - | - |
| Other1109/19 | - | €148,000 | - | - | - | - |
| Reserves13 | €44,401 | €40,220 | €36,039 | €31,858 | €27,677 | ▼ 13.1% |
| Tax-exempt reserves132 | €44,401 | €40,220 | €36,039 | €31,858 | €27,677 | ▼ 13.1% |
| Profit (loss) carried forward14 | -€120,724 | -€105,780 | -€121,665 | -€135,577 | -€138,459 | ▼ 2.1% |
| Provisions and deferred taxes16 | €11,100 | €9,708 | €8,316 | €6,924 | €5,532 | ▼ 20.1% |
| Deferred taxes168 | €11,100 | €9,708 | €8,316 | €6,924 | €5,532 | ▼ 20.1% |
| Amounts payable17/49 | €107,872 | €68,201 | €59,498 | €36,152 | €22,118 | ▼ 38.8% |
| Amounts payable after more than one year17 | €22,500 | €0 | - | - | - | - |
| Other amounts payable178/9 | €22,500 | €0 | - | - | - | - |
| Amounts payable within one year42/48 | €84,595 | €68,201 | €59,498 | €36,152 | €22,118 | ▼ 38.8% |
| Current portion of amounts payable after more than one year42 | €33,745 | - | - | - | - | - |
| Trade debts44 | €1,654 | €4,083 | €6,194 | €2,176 | €3,436 | ▲ 57.9% |
| Suppliers440/4 | €1,654 | €4,083 | €6,194 | €2,176 | €3,436 | ▲ 57.9% |
| Taxes, remuneration and social security45 | €2,021 | €4,696 | €8,281 | €7,198 | €5,416 | ▼ 24.7% |
| Taxes450/3 | €1,421 | €1,304 | €5,572 | €3,414 | €1,316 | ▼ 61.5% |
| Remuneration and social security454/9 | €600 | €3,392 | €2,709 | €3,783 | €4,101 | ▲ 8.4% |
| Other amounts payable47/48 | €47,175 | €59,422 | €45,023 | €26,779 | €13,266 | ▼ 50.5% |
| Accrued charges and deferred income492/3 | €777 | €0 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1,448 | €13,526 | -€17,302 | -€15,329 | -€4,299 | ▲ 72.0% |
| + Depreciation and write-downs630 | €22,018 | €31,364 | €49,713 | €48,563 | €15,674 | ▼ 67.7% |
| Operating cash flow (approximation) | €23,466 | €44,890 | €32,411 | €33,234 | €11,375 | ▼ 65.8% |
| Investment in fixed assets (approximation) | - | €1 | -€11,003 | €0 | €1,204 | - |
| Change in cash | - | €3,976 | -€6,866 | €4,885 | -€5,889 | ▼ 221% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet -€17,302
Net result drops to -€17,302, the lowest in the series; recovery starts the following year.
03-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2022
18-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
20-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
20-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €19,946 ▲184%
Operating result €20,198, net result €19,946, both a record.
21-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-05
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, Court-Saint-Etienne · 1 establishment unit since 1976
Ground area
1,413 m²
Building footprint
94 m²
Parcel 25023B0033/00K000, Wallonia. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Exponentials
since 19762.013.304.977
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25023B0033/00K000 | Wallonia | 1,413 m² | 1 · 94 m² | - |
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 4,674 companies in sector 66220 we hold annual accounts for 3,222. 2,059 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
Founded17-11-1976
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
Contact
E-mail
adm@exponentials.eu
Phone
0495455124
E-invoicing
Not found in the Peppol register
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Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.