Financials · financial year 2025, full format
2025 annual accounts filed 3 days after the deadline Filed on 3 February 2026, deadline 31 January 2026 (7 months after the close on 30 June 2025, Companies Code art. 3:10). Source: NBB, 2026-00032522.
Annual accounts 2025 filed on 03-02-2026 PDF all 8 filings
Equity
€523,072=
2024 · €522,872
Net result
€206,201▲ 109%
2024 · €98,854
Total assets
€1.8m▲ 18.2%
2024 · €1.5m
Solvency
28.9%▼ 5.3pp
2024 · 34.2%
Trend over the years
2020 to 2025, 5 financial years 2019 to 2025, 6 financial years
The operating result for 2025 is 76% higher than in 2024. It is a recovery after the fall in 2024.
Operating result€0.3m
2025
Net result€0.2m
2025
Total assets€1.8m
2025
Equity€0.5m
2025
Debt€0.7m
2025
Working capital-€0.1m
2025
Return on assets (ROA)11.4%
2025
Solvency28.9%
2025
Current ratio0.56
2025
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Activities auxiliary to financial services and insurance activities (NACE 66). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio and return on assets (ROA).
Every figure with its change against the financial year before
favourable
unfavourable
Line201920202022202320242025
Operating result€0.1m-€0.2m▲ 27.9%€0.3m-€0.2m▼ 37.3%€0.2m▼ 12.0%€0.3m▲ 75.9%
Net result€0.06m-€0.08mwithin the sector's middle half▲ 42.8%€0.2mwithin the sector's middle half-€0.1mwithin the sector's middle half▼ 36.3%€0.1mwithin the sector's middle half▼ 18.2%€0.2mwithin the sector's middle half▲ 109%
Equity€0.1m-€0.2mwithin the sector's middle half▲ 72.5%€0.3mwithin the sector's middle half-€0.4mwithin the sector's middle half▲ 39.8%€0.5mwithin the sector's middle half▲ 23.3%€0.5mwithin the sector's middle half=
Total assets€1.1m-€1.3mwithin the sector's middle half▲ 21.5%€1.4mwithin the sector's middle half-€1.5mwithin the sector's middle half▲ 5.2%€1.5mwithin the sector's middle half▲ 2.5%€1.8mwithin the sector's middle half▲ 18.2%
Debt€0.4m-€0.5m▲ 38.8%€0.6m-€0.5m▼ 7.1%€0.5m▼ 10.3%€0.7m▲ 62.3%
Working capital-€0.04m--€0.03mbelow the sector's middle half▲ 18.9%-€0.08mbelow the sector's middle half--€0.03mwithin the sector's middle half▲ 61.3%€0.03mwithin the sector's middle half-€0.1mbelow the sector's middle half
Solvency12.2%-17.4%within the sector's middle half▲ 5.1pp21.4%within the sector's middle half-28.4%within the sector's middle half▲ 7.0pp34.2%within the sector's middle half▲ 5.8pp28.9%within the sector's middle half▼ 5.3pp
Current ratio0.41-0.69below the sector's middle half▲ 0.280.59below the sector's middle half-0.66below the sector's middle half▲ 0.071.32within the sector's middle half▲ 0.660.56below the sector's middle half▼ 0.76
Return on assets (ROA)5.4%-6.4%within the sector's middle half▲ 1.0pp13.4%within the sector's middle half-8.1%within the sector's middle half▼ 5.3pp6.5%within the sector's middle half▼ 1.6pp11.4%within the sector's middle half▲ 4.9pp
above
within
below
The sector band is the middle half of the companies in Activities auxiliary to financial services and insurance activities (NACE 66). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.8m
Fixed assets
€1.6m ▲ 15.8%
Current assets
€167,375 ▲ 49.1%
Equity and liabilities €1.8m
Equity
€523,072 =
Provisions
€537,928 ▼ 1.5%
Debt
€748,181 ▲ 62.3%
Debt's share of the balance-sheet total rises from 30.1% to 41.4%. Debt is higher.
Key figures and ratios
ROE
39.4%▲
2024 · 18.9%
Debt ≤ 1 year
€299,184▲
2024 · €85,124
Debt > 1 year
€446,331▲
2024 · €373,966
Income taxes
€76,153▲
2024 · €38,381
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Comparable companies
These companies have the same main activity as FANTOM'S: insurance agents and brokers (NACE 66220). They are comparable in size and age: total assets between €1.5m and €2.2m, founded between 2014 and 2019.
| Company | Founded | Total assets | Equity | Gross margin | Net result | FTE | Financial year |
|---|---|---|---|---|---|---|---|
| FANTOM'S Lasne | 2016 | €1.8m | €0.5m | €0.4m | €0.2m | - | 2025 |
| RO.ME INVEST Mons | 2016 | €2.0m | €0.7m | €0.4m | €0.2m | - | 2025 |
| TRITON INSURANCE Chaumont-Gistoux | 2016 | €1.5m | €0.01m | €0.3m | €0.006m | 4.1 | 2025 |
| NB Investissements Waterloo | 2014 | €1.8m | €0.8m | €0.6m | €0.4m | - | 2025 |
| AML ASSUR Rixensart | 2019 | €1.7m | -€0.04m | €0.5m | €0.03m | 2.7 | 2025 |
| HUBEAUX ASSURANCES Andenne | 2016 | €2.2m | -€0.02m | €0.4m | -€0.05m | - | 2025 |
| ZAKENKANTOOR ASSUCO Zottegem | 2016 | €1.6m | €0.4m | €0.5m | €0.2m | - | 2025 |
They were chosen from the 3,255 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity
Annual accounts
| Line | 2019 | 2020 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8,025 | €42,782 | €50,861 | €58,359 | €33,953 | €76,950 | ▲ 127% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | -€7,809 | -€7,947 | -€8,076 | -€8,202 | ▼ 1.6% |
| Other operating charges640/8 | - | - | €3,180 | €2,570 | €2,037 | €5,394 | ▲ 165% |
| Gross operating margin9900 | €132,283 | €203,245 | €389,355 | €267,970 | €217,049 | €406,787 | ▲ 87.4% |
| Operating profit (loss)9901 | €130,609 | €167,035 | €343,123 | €214,987 | €189,135 | €332,645 | ▲ 75.9% |
| Financial income75/76B | - | - | €4,149 | €1,575 | €586 | €2,985 | ▲ 409% |
| Recurring financial income75 | €449 | €1,867 | €4,149 | €1,575 | €586 | €2,985 | ▲ 409% |
| Financial charges65/66B | - | - | €84,266 | €50,098 | €52,486 | €53,277 | ▲ 1.5% |
| Recurring financial charges65 | €45,400 | €47,956 | €84,266 | €50,098 | €51,930 | €53,277 | ▲ 2.6% |
| Non-recurring financial charges66B | - | - | - | - | €556 | - | - |
| Profit (loss) for the period before taxes9903 | €85,659 | €120,946 | €263,006 | €166,465 | €137,236 | €282,354 | ▲ 106% |
| Income taxes67/77 | €27,123 | €37,335 | €73,204 | €45,648 | €38,381 | €76,153 | ▲ 98.4% |
| Profit (loss) for the period9904 | €58,535 | €83,611 | €189,802 | €120,817 | €98,854 | €206,201 | ▲ 109% |
| Profit (loss) for the period to be appropriated9905 | €58,535 | €83,611 | €189,802 | €120,817 | €98,854 | €206,201 | ▲ 109% |
| Line | 2019 | 2020 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|
| Assets | |||||||
| Total assets20/58 | €1.1m | €1.3m | €1.4m | €1.5m | €1.5m | €1.8m | ▲ 18.2% |
| Fixed assets21/28 | €1.1m | €1.2m | €1.3m | €1.4m | €1.4m | €1.6m | ▲ 15.8% |
| Tangible fixed assets22/27 | €0.2m | €0.4m | €0.5m | €0.6m | €0.6m | €0.8m | ▲ 39.4% |
| Land and buildings22 | - | - | €0.4m | €0.5m | €0.5m | €0.7m | ▲ 37.2% |
| Plant, machinery and equipment23 | - | - | €0.06m | €0.06m | €0.05m | €0.09m | ▲ 62.6% |
| Furniture and vehicles24 | - | - | €0.03m | €0.02m | €0.02m | €0.03m | ▲ 40.7% |
| Other tangible fixed assets26 | - | - | €0.007m | €0.005m | €0.004m | €0.004m | ▼ 8.1% |
| Financial fixed assets28 | €0.9m | €0.9m | €0.9m | €0.9m | €0.9m | €0.9m | = |
| Current assets29/58 | €0.03m | €0.07m | €0.1m | €0.06m | €0.1m | €0.2m | ▲ 49.1% |
| Amounts receivable within one year40/41 | €0.01m | €0.04m | €0.04m | €0.01m | €0.04m | €0.08m | ▲ 102% |
| Other amounts receivable41 | - | - | €0.04m | €0.01m | €0.04m | €0.08m | ▲ 102% |
| Cash at bank and in hand54/58 | €0.01m | €0.02m | €0.06m | €0.04m | €0.06m | €0.08m | ▲ 19.3% |
| Deferred charges and accrued income490/1 | - | - | €0.008m | €0.007m | €0.007m | €0.007m | ▲ 4.9% |
| Equity and liabilities | |||||||
| Total equity and liabilities10/49 | €1.1m | €1.3m | €1.4m | €1.5m | €1.5m | €1.8m | ▲ 18.2% |
| Equity10/15 | €0.1m | €0.2m | €0.3m | €0.4m | €0.5m | €0.5m | = |
| Contributions10/11 | €0.006m | - | €0.02m | €0.02m | €0.02m | €0.02m | = |
| Reserves13 | €0.02m | €0.02m | €0.02m | €0.4m | €0.5m | €0.5m | = |
| Non-distributable reserves130/1 | - | - | €0.002m | €0.002m | €0.002m | €0.002m | = |
| Reserves not available under the articles1311 | - | - | €0.002m | €0.002m | €0.002m | €0.002m | = |
| Tax-exempt reserves132 | - | - | €0.02m | €0.02m | €0.02m | €0.02m | = |
| Distributable reserves133 | - | - | - | €0.4m | €0.5m | €0.5m | = |
| Profit (loss) carried forward14 | €0.1m | €0.2m | €0.3m | €17 | €72 | €272 | ▲ 280% |
| Provisions and deferred taxes16 | €0.6m | €0.6m | €0.6m | €0.6m | €0.5m | €0.5m | ▼ 1.5% |
| Provisions for liabilities and charges160/5 | - | - | €0.6m | €0.6m | €0.5m | €0.5m | ▼ 1.5% |
| Other liabilities and charges164/5 | - | - | €0.6m | €0.6m | €0.5m | €0.5m | ▼ 1.5% |
| Amounts payable17/49 | €0.4m | €0.5m | €0.6m | €0.5m | €0.5m | €0.7m | ▲ 62.3% |
| Amounts payable after more than one year17 | €0.3m | €0.4m | €0.4m | €0.4m | €0.4m | €0.4m | ▲ 19.4% |
| Financial debts170/4 | - | - | €0.4m | €0.4m | €0.4m | €0.4m | ▲ 19.4% |
| Other amounts payable178/9 | - | - | - | €0.001m | €0.001m | €0.001m | = |
| Amounts payable within one year42/48 | €0.06m | €0.09m | €0.2m | €0.09m | €0.09m | €0.3m | ▲ 251% |
| Current portion of amounts payable after more than one year42 | - | - | €0.07m | €0.07m | €0.08m | €0.06m | ▼ 21.8% |
| Trade debts44 | €0.001m | €0.001m | €0.03m | €0.007m | €0.006m | €0.004m | ▼ 20.1% |
| Suppliers440/4 | - | - | €0.03m | €0.007m | €0.006m | €0.004m | ▼ 20.1% |
| Taxes, remuneration and social security45 | - | - | €0.04m | €0.002m | €0.002m | €0.06m | ▲ 35× |
| Taxes450/3 | - | - | €0.04m | €0.002m | €0.002m | €0.06m | ▲ 35× |
| Other amounts payable47/48 | - | - | €0.05m | €0.004m | €382 | €0.2m | ▲ 459× |
| Accrued charges and deferred income492/3 | - | - | €0.001m | €0.002m | €0.002m | €0.003m | ▲ 32.4% |
| Line | 2019 | 2020 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €58,535 | €83,611 | €189,802 | €120,817 | €98,854 | €206,201 | ▲ 109% |
| + Depreciation and write-downs630 | €8,025 | €42,782 | €50,861 | €58,359 | €33,953 | €76,950 | ▲ 127% |
| Operating cash flow (approximation) | €66,560 | €126,393 | €240,663 | €179,176 | €132,807 | €283,151 | ▲ 113% |
| Investment in fixed assets (approximation) | - | -€234,709 | - | -€182,959 | -€17,314 | -€300,891 | ▼ 1,638% |
| Change in cash | - | €5,842 | - | -€20,633 | €26,318 | €12,266 | ▼ 53.4% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Filings with the National Bank (8)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 30-06-2025 | full format | 03-02-2026 | 2026-00032522 | |
| 30-06-2024 | full format | 05-02-2025 | 2025-00031189 | |
| 30-06-2023 | full format | 22-02-2024 | 2024-00033848 | |
| 30-06-2022 | full format | 20-02-2023 | 2023-00032098 | |
| 30-09-2020 | full format | 31-05-2021 | 2021-16000500 | |
| 30-09-2019 | micro format | 14-05-2020 | 2020-12100269 | |
| 30-09-2018 | micro format | 23-05-2019 | 2019-14100025 | |
| 30-09-2017 | micro format | 31-05-2018 | 2018-16200312 |