Summary
FIMAHY 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 €2.0m and a net result of €171,159. Equity is growing by ~6.4% per year across the filed fiscal years. Its solvency ranks better than 89% of 1505 sector peers (fiscal year 2025). The company has been active since 1997 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 29-08-2026, 29 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
29 d late
2024
40 d early
2023
28 d late
2022
59 d late
2021
24 d early
2020
31 d late
2019
14 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 10 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. Usually files around 29 August (4 of the last 5 filed years within 53 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, abbreviated schema
In the rankings
#5 company by total assets in Wemmel, Finance and insurance sector#5 oldest company in Wemmel, Finance and insurance sector#6 company by equity in Wemmel, Finance and insurance sector
Equity
€2.0m▲ 9.5%
2024 · €1.8m
Net result
€171,159▲ 51.3%
2024 · €113,100
Total assets
€2.2m▲ 2.9%
2024 · €2.2m
Solvency
88.0%▲ 5.3pp
2024 · 82.7%
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
Operating result€334,557▲ 139%€45,366▼ 86.4%-€16,661€158,237€254,403▲ 60.8%
Net result€222,315above the sector's middle half▲ 137%€30,975within the sector's middle half▼ 86.1%-€15,766below the sector's middle half€113,100within the sector's middle half€171,159within the sector's middle half▲ 51.3%
Equity€1.7mabove the sector's middle half▲ 15.4%€1.7mabove the sector's middle half▲ 1.9%€1.7mabove the sector's middle half▼ 0.9%€1.8mabove the sector's middle half▲ 6.7%€2.0mabove the sector's middle half▲ 9.5%
Total assets€2.2mabove the sector's middle half▲ 11.0%€2.1mabove the sector's middle half▼ 2.2%€2.1mabove the sector's middle half▼ 1.8%€2.2mabove the sector's middle half▲ 4.3%€2.2mabove the sector's middle half▲ 2.9%
Debt€498,764▼ 1.5%€420,404▼ 15.7%€399,000▼ 5.1%€375,948▼ 5.8%€268,655▼ 28.5%
Working capital€1.2mabove the sector's middle half▲ 24.9%€1.2mabove the sector's middle half▼ 1.5%€1.2mabove the sector's middle half▲ 0.5%€1.3mabove the sector's middle half▲ 11.8%€1.6mabove the sector's middle half▲ 16.3%
Solvency76.9%above the sector's middle half▲ 2.9pp80.1%above the sector's middle half▲ 3.2pp80.8%above the sector's middle half▲ 0.7pp82.7%above the sector's middle half▲ 1.9pp88.0%above the sector's middle half▲ 5.3pp
Current ratio8.12above the sector's middle half▼ 0.559.13above the sector's middle half▲ 1.017.72above the sector's middle half▼ 1.427.39above the sector's middle half▼ 0.3311.57above the sector's middle half▲ 4.18
Return on assets (ROA)10.3%within the sector's middle half▲ 5.5pp1.5%below the sector's middle half▼ 8.8pp-0.8%below the sector's middle half▼ 2.2pp5.2%within the sector's middle half▲ 6.0pp7.7%within the sector's middle half▲ 2.5pp
Staff (FTE)5.6within the sector's middle half▲ 19.1%5.6within the sector's middle half=5.7within the sector's middle half▲ 1.8%5.8within the sector's middle half▲ 1.8%5.8within the sector's middle half=
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 abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 61% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.2m
Fixed assets
€519,745 ▼ 15.2%
Current assets
€1.7m ▲ 10.1%
Equity and liabilities €2.2m
Equity
€2.0m ▲ 9.5%
Debt
€268,655 ▼ 28.5%
Debt's share of the balance-sheet total falls from 17.3% to 12.0%. Equity is higher and debt is lower.
Key figures and ratios
ROE
8.7%▲
2024 · 6.3%
Debt ≤ 1 year
€148,066▼
2024 · €210,666
Debt > 1 year
€118,574▼
2024 · €163,281
Income taxes
€86,439▲
2024 · €57,460
Staff costs
€538,703▼
2024 · €548,138
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 | €462,104 | €474,924 | €533,015 | €548,138 | €538,703 | ▼ 1.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €94,696 | €92,171 | €95,878 | €95,857 | €95,220 | ▼ 0.7% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | €27,083 | - | - |
| Other operating charges640/8 | €22,812 | €23,766 | €29,222 | - | €28,152 | - |
| Gross operating margin9900 | €914,168 | €636,227 | €641,453 | €829,315 | €916,478 | ▲ 10.5% |
| Operating profit (loss)9901 | €334,557 | €45,366 | -€16,661 | €158,237 | €254,403 | ▲ 60.8% |
| Financial income75/76B | €1,606 | €16,620 | €6,318 | €14,760 | €6,388 | ▼ 56.7% |
| Recurring financial income75 | €1,606 | €120 | €6,318 | €14,760 | €6,388 | ▼ 56.7% |
| Non-recurring financial income76B | - | €16,500 | - | - | - | - |
| Financial charges65/66B | €3,357 | €8,159 | €2,749 | €2,437 | €3,192 | ▲ 31.0% |
| Recurring financial charges65 | €3,357 | €3,040 | €2,749 | €2,437 | €3,192 | ▲ 31.0% |
| Non-recurring financial charges66B | - | €5,119 | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €332,806 | €53,827 | -€13,092 | €170,560 | €257,599 | ▲ 51.0% |
| Income taxes67/77 | €110,491 | €22,852 | €2,673 | €57,460 | €86,439 | ▲ 50.4% |
| Profit (loss) for the period9904 | €222,315 | €30,975 | -€15,766 | €113,100 | €171,159 | ▲ 51.3% |
| Profit (loss) for the period to be appropriated9905 | €222,315 | €30,975 | -€15,766 | €113,100 | €171,159 | ▲ 51.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.2m | €2.1m | €2.1m | €2.2m | €2.2m | ▲ 2.9% |
| Fixed assets21/28 | €776,774 | €771,035 | €696,133 | €612,810 | €519,745 | ▼ 15.2% |
| Tangible fixed assets22/27 | €776,774 | €771,035 | €696,133 | €612,810 | €519,745 | ▼ 15.2% |
| Land and buildings22 | €690,660 | €627,925 | €565,193 | €502,461 | €439,728 | ▼ 12.5% |
| Plant, machinery and equipment23 | €19,587 | €19,629 | €30,490 | €32,715 | €27,433 | ▼ 16.1% |
| Furniture and vehicles24 | €63,750 | €121,703 | €99,452 | €76,969 | €52,252 | ▼ 32.1% |
| Other tangible fixed assets26 | €2,777 | €1,777 | €998 | €666 | €333 | ▼ 50.0% |
| Current assets29/58 | €1.4m | €1.3m | €1.4m | €1.6m | €1.7m | ▲ 10.1% |
| Amounts receivable within one year40/41 | €124,398 | €173,782 | €193,832 | €139,143 | €161,588 | ▲ 16.1% |
| Trade receivables40 | €121,664 | €97,440 | €93,350 | €101,711 | €112,820 | ▲ 10.9% |
| Other amounts receivable41 | €2,735 | €76,342 | €100,482 | €37,432 | €48,768 | ▲ 30.3% |
| Current investments50/53 | €158,036 | €231,740 | €576,667 | €824,282 | €904,759 | ▲ 9.8% |
| Cash at bank and in hand54/58 | €1.1m | €930,264 | €604,100 | €580,027 | €638,031 | ▲ 10.0% |
| Deferred charges and accrued income490/1 | €3,676 | €9,308 | €8,228 | €12,746 | €8,751 | ▼ 31.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.2m | €2.1m | €2.1m | €2.2m | €2.2m | ▲ 2.9% |
| Equity10/15 | €1.7m | €1.7m | €1.7m | €1.8m | €2.0m | ▲ 9.5% |
| Contributions10/11 | €9,305 | €9,305 | €9,305 | €9,305 | €9,305 | = |
| Reserves13 | €1.7m | €1.7m | €1.7m | €1.8m | €2.0m | ▲ 9.6% |
| Tax-exempt reserves132 | €46,500 | €46,500 | €46,500 | €46,500 | €46,500 | = |
| Distributable reserves133 | €1.6m | €1.6m | €1.6m | €1.7m | €1.9m | ▲ 9.9% |
| Profit (loss) carried forward14 | - | - | -€15,766 | - | - | - |
| Amounts payable17/49 | €498,764 | €420,404 | €399,000 | €375,948 | €268,655 | ▼ 28.5% |
| Amounts payable after more than one year17 | €325,823 | €271,988 | €217,809 | €163,281 | €118,574 | ▼ 27.4% |
| Financial debts170/4 | €325,823 | €271,988 | €217,809 | €163,281 | €118,574 | ▼ 27.4% |
| Amounts payable within one year42/48 | €170,748 | €147,283 | €179,191 | €210,666 | €148,066 | ▼ 29.7% |
| Current portion of amounts payable after more than one year42 | €53,496 | €53,836 | €54,179 | €54,527 | €45,057 | ▼ 17.4% |
| Trade debts44 | €32,721 | €52,825 | €63,457 | €94,545 | €40,693 | ▼ 57.0% |
| Suppliers440/4 | €32,721 | €52,825 | €63,457 | €94,545 | €40,693 | ▼ 57.0% |
| Taxes, remuneration and social security45 | €84,296 | €38,820 | €56,455 | €49,671 | €57,593 | ▲ 15.9% |
| Taxes450/3 | €41,809 | - | - | - | - | - |
| Remuneration and social security454/9 | €42,488 | €38,820 | €56,455 | €49,671 | €57,593 | ▲ 15.9% |
| Other amounts payable47/48 | €234 | €1,803 | €5,100 | €11,924 | €4,723 | ▼ 60.4% |
| Accrued charges and deferred income492/3 | €2,193 | €1,132 | €2,000 | €2,000 | €2,015 | ▲ 0.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €222,315 | €30,975 | -€15,766 | €113,100 | €171,159 | ▲ 51.3% |
| + Depreciation and write-downs630 | €94,696 | €92,171 | €95,878 | €95,857 | €95,220 | ▼ 0.7% |
| Operating cash flow (approximation) | €317,011 | €123,146 | €80,112 | €208,957 | €266,380 | ▲ 27.5% |
| Investment in fixed assets (approximation) | - | -€86,433 | -€20,975 | -€12,535 | -€2,155 | ▲ 82.8% |
| Change in cash | - | -€170,366 | -€326,164 | -€24,073 | €58,004 | ▲ 341% |
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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 29 days late
2025
21-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €113,100
Net result €113,100 after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 28 days late
2023
31-12
Financial
Weakest financial yearnet -€15,766
Net result drops to -€15,766, the lowest in the series; recovery starts the following year.
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 59 days late
2022
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €222,315 ▲137%
Operating result €334,557, net result €222,315, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
13-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
24-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Wemmel · 2 establishment units since 1997
Ground area
992 m²
Building footprint
416 m²
Volume, LiDAR
5,076 m³
2 parcels, Brussels, Flanders · tallest building 18.4 m, ±6 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
2 establishment units
ARGENTA WEMMEL
since 19972.081.594.759
ARGENTA JETTE
since 19972.081.594.858
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22662B0065/00E000 | Flanders | 858 m² | 1 · 286 m² | 15.6 m · 4 fl. |
| 21463D0209/00R003 | Brussels | 134 m² | 1 · 130 m² | 18.4 m · 6 fl. |
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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 2,696 EUR awarded · 2,696 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,550 EUR | 1,550 EUR |
| 2024 | 1 | 479 EUR | 479 EUR |
| 2023 | 1 | 144 EUR | 144 EUR |
| 2022 | 1 | 523 EUR | 523 EUR |
Recognitions · licences · registrations
Legal Entity Identifier
967600NYNOMY21BP2V88
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Of 1,682 companies in sector 66191 we hold annual accounts for 1,230. 682 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
Founded16-04-1997
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0460484338
Also
9925:BE0460484338
Registered
29-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.