Summary
FCIB 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 €310,971 and a net result of €99,265. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 40% of 3,030 sector peers (NACE 66, financial year 2025). The company has been active since 2000 and the Belgian Official Gazette contains no insolvency or warning signals.
Financials · financial year 2025, micro format
Equity
€310,971▲ 46.9%
2024 · €211,706
Net result
€99,265▲ 4.9%
2024 · €94,661
Total assets
€813,749▲ 2.1%
2024 · €796,736
Solvency
38.2%▲ 11.6pp
2024 · 26.6%
Trend over the years
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result has risen four years in a row; 2025 is 1% above 2024 and is the highest result in the available series.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€0.1m
2025
Net result€0.1m
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€0.8m
2025
Equity€0.3m
2025
Debt€0.5m
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital-€0.3m
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)12.2%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency38.2%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio0.47
2025
Average staff in full-time equivalents (FTE).
Staff (FTE)3.8
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. 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 financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result€0.06m-€0.03m▼ 51.8%€0.02m▼ 44.3%€0.004m▼ 76.4%€0.05m▲ 12×€0.1m▲ 140%€0.1m▲ 30.5%€0.1m▲ 0.8%
Net result€0.03m-€0.002m▼ 91.4%-€0.007mbelow the sector's middle half-€0.01mbelow the sector's middle half▼ 127%€0.02mwithin the sector's middle half€0.07mabove the sector's middle half▲ 241%€0.09mabove the sector's middle half▲ 36.6%€0.1mabove the sector's middle half▲ 4.9%
Equity€0.05m-€0.05m▲ 4.8%€0.04mwithin the sector's middle half▼ 13.4%€0.03mbelow the sector's middle half▼ 35.3%€0.05mwithin the sector's middle half▲ 74.0%€0.1mwithin the sector's middle half▲ 145%€0.2mwithin the sector's middle half▲ 80.9%€0.3mwithin the sector's middle half▲ 46.9%
Total assets€1.0m-€1.0m▼ 6.9%€0.8mabove the sector's middle half▼ 13.0%€0.8mabove the sector's middle half▼ 10.5%€0.7mabove the sector's middle half▼ 8.0%€0.8mabove the sector's middle half▲ 10.2%€0.8mabove the sector's middle half▲ 3.4%€0.8mabove the sector's middle half▲ 2.1%
Debt€1.0m-€0.9m▼ 7.5%€0.8m▼ 12.9%€0.7m▼ 9.2%€0.7m▼ 11.1%€0.7m▲ 0.3%€0.6m▼ 10.5%€0.5m▼ 14.1%
Working capital-€0.2m--€0.2m▼ 1.6%-€0.2mbelow the sector's middle half▼ 15.3%-€0.3mbelow the sector's middle half▼ 31.9%-€0.3mbelow the sector's middle half▼ 6.9%-€0.4mbelow the sector's middle half▼ 22.7%-€0.3mbelow the sector's middle half▲ 12.9%-€0.3mbelow the sector's middle half▲ 16.3%
Solvency4.5%-5.0%▲ 0.6pp5.0%below the sector's middle half=3.6%below the sector's middle half▼ 1.4pp6.8%below the sector's middle half▲ 3.2pp15.2%below the sector's middle half▲ 8.4pp26.6%within the sector's middle half▲ 11.4pp38.2%within the sector's middle half▲ 11.6pp
Current ratio0.62-0.62=0.53below the sector's middle half▼ 0.090.39below the sector's middle half▼ 0.140.35below the sector's middle half▼ 0.040.27below the sector's middle half▼ 0.080.39below the sector's middle half▲ 0.120.47below the sector's middle half▲ 0.08
Return on assets (ROA)2.5%-0.2%▼ 2.2pp-0.8%below the sector's middle half▼ 1.0pp-2.0%below the sector's middle half▼ 1.2pp2.9%within the sector's middle half▲ 4.9pp9.0%within the sector's middle half▲ 6.1pp11.9%within the sector's middle half▲ 2.9pp12.2%within the sector's middle half▲ 0.3pp
Staff (FTE)4.8-4.8=5.1above the sector's middle half▲ 6.3%5.7▲ 11.8%5.2▼ 8.8%3.9▼ 25.0%3.8▼ 2.6%3.8=
above
within
below
the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the micro format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €813,749
Fixed assets
€584,493 ▼ 2.8%
Current assets
€229,256 ▲ 17.2%
Equity and liabilities €813,749
Equity
€310,971 ▲ 46.9%
Debt
€502,778 ▼ 14.1%
Debt's share of the balance-sheet total falls from 73.4% to 61.8%. Equity is higher and debt is lower.
Key figures and ratios
ROE
31.9%▼
2024 · 44.7%
Debt ≤ 1 year
€486,517▼
2024 · €502,743
Debt > 1 year
€16,262▼
2024 · €74,658
Income taxes
€42,185▲
2024 · €41,188
Staff costs
€226,701▼
2024 · €233,510
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €236,761 | €219,720 | €216,547 | €233,510 | €226,701 | ▼ 2.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €80,321 | €80,014 | €79,346 | €50,332 | €47,827 | €35,879 | €41,410 | €41,068 | ▼ 0.8% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | -€880 | €0 | - | - | - | - |
| Other operating charges640/8 | - | - | - | €5,483 | €4,866 | €7,764 | €5,491 | €5,728 | ▲ 4.3% |
| Gross operating margin9900 | €350,568 | €328,364 | €314,321 | €295,593 | €318,416 | €370,645 | €424,586 | €418,856 | ▼ 1.3% |
| Operating profit (loss)9901 | €61,628 | €29,693 | €16,530 | €3,897 | €46,003 | €110,456 | €144,175 | €145,358 | ▲ 0.8% |
| Financial income75/76B | - | - | - | €434 | €292 | €308 | €1,032 | €1,645 | ▲ 59.3% |
| Recurring financial income75 | €825 | €712 | €593 | €434 | €292 | €308 | €1,032 | €1,645 | ▲ 59.3% |
| Financial charges65/66B | - | - | - | €17,182 | €13,955 | €11,783 | €9,358 | €5,552 | ▼ 40.7% |
| Recurring financial charges65 | €25,874 | €23,267 | €20,267 | €17,182 | €13,955 | €11,783 | €9,358 | €5,552 | ▼ 40.7% |
| Profit (loss) for the period before taxes9903 | €36,579 | €7,138 | -€3,144 | -€12,850 | €32,340 | €98,981 | €135,850 | €141,450 | ▲ 4.1% |
| Income taxes67/77 | €10,871 | €4,915 | €3,442 | €2,129 | €12,039 | €29,668 | €41,188 | €42,185 | ▲ 2.4% |
| Profit (loss) for the period9904 | €25,709 | €2,223 | -€6,586 | -€14,980 | €20,301 | €69,313 | €94,661 | €99,265 | ▲ 4.9% |
| Profit (loss) for the period to be appropriated9905 | €25,709 | €2,223 | -€6,586 | -€14,980 | €20,301 | €69,313 | €94,661 | €99,265 | ▲ 4.9% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €1.0m | €1.0m | €0.8m | €0.8m | €0.7m | €0.8m | €0.8m | €0.8m | ▲ 2.1% |
| Formation expenses20 | €0 | - | - | - | - | - | - | - | - |
| Fixed assets21/28 | €0.8m | €0.7m | €0.6m | €0.6m | €0.5m | €0.6m | €0.6m | €0.6m | ▼ 2.8% |
| Intangible fixed assets21 | €0.001m | €0 | - | - | - | €0.08m | €0.07m | €0.06m | ▼ 13.4% |
| Tangible fixed assets22/27 | €0.8m | €0.7m | €0.6m | €0.6m | €0.5m | €0.6m | €0.5m | €0.5m | ▼ 1.3% |
| Land and buildings22 | - | - | - | €0.5m | €0.5m | €0.5m | €0.5m | €0.5m | ▼ 3.4% |
| Plant, machinery and equipment23 | - | - | - | €0.008m | €0.01m | €0.008m | €0.005m | €0.02m | ▲ 449% |
| Furniture and vehicles24 | - | - | - | €0.04m | €0.008m | €0.06m | €0.04m | €0.03m | ▼ 24.4% |
| Assets under construction and advance payments27 | - | - | - | €0.02m | €0.02m | €0 | - | - | - |
| Financial fixed assets28 | €0.004m | €0.004m | €0.004m | €0.004m | €0.004m | €0.004m | €0.004m | €0.004m | ▲ 0.7% |
| Current assets29/58 | €0.3m | €0.3m | €0.2m | €0.2m | €0.2m | €0.1m | €0.2m | €0.2m | ▲ 17.2% |
| Amounts receivable after more than one year29 | - | - | - | €0.005m | €0.005m | €0.005m | €0.005m | €0.005m | = |
| Other amounts receivable291 | - | - | - | €0.005m | €0.005m | €0.005m | €0.005m | €0.005m | = |
| Stocks and contracts in progress3 | €0 | - | - | - | - | - | - | - | - |
| Amounts receivable within one year40/41 | €0.1m | €0.1m | €0.08m | €0.08m | €0.07m | €0.08m | €0.07m | €0.07m | ▼ 4.8% |
| Trade receivables40 | - | - | - | €0.07m | €0.06m | €0.08m | €0.07m | €0.06m | ▼ 5.3% |
| Other amounts receivable41 | - | - | - | €0.005m | €0.004m | €0.004m | €0.005m | €0.005m | ▲ 2.0% |
| Current investments50/53 | €0 | - | - | - | - | - | - | - | - |
| Cash at bank and in hand54/58 | €0.2m | €0.2m | €0.1m | €0.09m | €0.07m | €0.04m | €0.1m | €0.2m | ▲ 27.5% |
| Deferred charges and accrued income490/1 | - | - | - | €0.003m | €0.004m | €0.002m | €0.001m | €0.005m | ▲ 610% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €1.0m | €1.0m | €0.8m | €0.8m | €0.7m | €0.8m | €0.8m | €0.8m | ▲ 2.1% |
| Equity10/15 | €0.05m | €0.05m | €0.04m | €0.03m | €0.05m | €0.1m | €0.2m | €0.3m | ▲ 46.9% |
| Contributions10/11 | €0.02m | €0.02m | - | €0.02m | €0.02m | €0.02m | €0.02m | €0.02m | = |
| Reserves13 | €0.06m | €0.03m | €0.02m | €0.02m | €0.03m | €0.1m | €0.2m | €0.3m | ▲ 51.4% |
| Non-distributable reserves130/1 | - | - | - | €0.002m | €0.002m | €0 | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €0.002m | €0.002m | €0 | - | - | - |
| Tax-exempt reserves132 | - | - | - | €0.02m | €0.02m | €0.02m | €0.02m | €0.02m | = |
| Distributable reserves133 | - | - | - | €0 | €0.006m | €0.08m | €0.2m | €0.3m | ▲ 57.7% |
| Profit (loss) carried forward14 | -€0.03m | €0 | - | -€0.01m | €0 | - | - | - | - |
| Provisions and deferred taxes16 | €0 | - | - | - | - | - | - | - | - |
| Amounts payable17/49 | €1.0m | €0.9m | €0.8m | €0.7m | €0.7m | €0.7m | €0.6m | €0.5m | ▼ 14.1% |
| Amounts payable after more than one year17 | €0.5m | €0.5m | €0.4m | €0.3m | €0.2m | €0.2m | €0.07m | €0.02m | ▼ 78.2% |
| Financial debts170/4 | - | - | - | €0.3m | €0.2m | €0.2m | €0.07m | €0.02m | ▼ 78.2% |
| Amounts payable within one year42/48 | €0.5m | €0.5m | €0.4m | €0.4m | €0.4m | €0.5m | €0.5m | €0.5m | ▼ 3.2% |
| Current portion of amounts payable after more than one year42 | - | - | - | €0.09m | €0.08m | €0.09m | €0.09m | €0.06m | ▼ 34.8% |
| Trade debts44 | €0.4m | €0.4m | €0.3m | €0.3m | €0.3m | €0.3m | €0.4m | €0.4m | ▲ 2.0% |
| Suppliers440/4 | - | - | - | €0.3m | €0.3m | €0.3m | €0.4m | €0.4m | ▲ 2.0% |
| Taxes, remuneration and social security45 | - | - | - | €0.03m | €0.03m | €0.05m | €0.04m | €0.05m | ▲ 19.6% |
| Taxes450/3 | - | - | - | - | €0.008m | €0.02m | €0.009m | €0.02m | ▲ 87.9% |
| Remuneration and social security454/9 | - | - | - | €0.03m | €0.03m | €0.03m | €0.03m | €0.03m | ▼ 1.5% |
| Accrued charges and deferred income492/3 | - | - | - | €0.007m | €0.007m | €0.009m | €0.008m | €0 | ▼ 100% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €25,709 | €2,223 | -€6,586 | -€14,980 | €20,301 | €69,313 | €94,661 | €99,265 | ▲ 4.9% |
| + Depreciation and write-downs630 | €80,321 | €80,014 | €79,346 | €50,332 | €47,827 | €35,879 | €41,410 | €41,068 | ▼ 0.8% |
| Operating cash flow (approximation) | €106,029 | €82,237 | €72,760 | €35,352 | €68,128 | €105,191 | €136,071 | €140,333 | ▲ 3.1% |
| Investment in fixed assets (approximation) | - | -€1,786 | -€15,635 | -€18,423 | -€6,826 | -€132,107 | -€25 | -€24,381 | ▼ 99,051% |
| Change in cash | - | €4,465 | -€22,615 | -€51,138 | -€11,734 | -€32,901 | €76,539 | €32,461 | ▼ 57.6% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 25 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 26-05-2026 | 2026-00119943 |
| 31-12-2024 | micro format | 25-04-2025 | 2025-00075267 |
| 31-12-2023 | micro format | 29-04-2024 | 2024-00072526 |
| 31-12-2022 | micro format | 11-04-2023 | 2023-00056334 |
| 31-12-2021 | micro format | 04-05-2022 | 2022-20019450 |
| 31-12-2020 | micro format | 06-04-2021 | 2021-09600566 |
| 31-12-2019 | micro format | 14-04-2020 | 2020-09000548 |
| 31-12-2018 | micro format | 17-07-2019 | 2019-34100409 |
| 31-12-2017 | micro format | 09-05-2018 | 2018-12400430 |
| 31-12-2016 | micro format | 15-06-2017 | 2017-17800004 |
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Of the 4,607 active companies whose main activity is insurance agents and brokers (NACE 66220), figures are known for 3,209. 2,711 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.