Summary
Fin@ssur 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 €1.1m and a net result of €76,180. Equity is growing by ~28.3% per year across the filed fiscal years. Its solvency ranks better than 83% of 8091 sector peers (fiscal year 2025). The company has been active since 2004 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 28-08-2026, 28 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
28 d late
2024
6 d late
2023
29 d late
2022
29 d late
2021
18 d early
2020
19 d early
2019
13 d late
← 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 14 days before the deadline, and 28% 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 28 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€1.1m▼ 0.9%
2024 · €1.1m
Net result
€76,180▲ 1.5%
2024 · €75,049
Total assets
€1.3m▼ 2.7%
2024 · €1.4m
Solvency
84.9%▲ 1.5pp
2024 · 83.4%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€108,979▼ 17.0%€209,035▲ 91.8%€111,777▼ 46.5%€95,200▼ 14.8%€109,667▲ 15.2%
Net result€73,846above the sector's middle half▼ 14.5%€132,585above the sector's middle half▲ 79.5%€691,312above the sector's middle half▲ 421%€75,049within the sector's middle half▼ 89.1%€76,180within the sector's middle half▲ 1.5%
Equity€405,684above the sector's middle half▲ 12.4%€509,673above the sector's middle half▲ 25.6%€1.2mabove the sector's middle half▲ 126%€1.1mabove the sector's middle half▼ 1.7%€1.1mabove the sector's middle half▼ 0.9%
Total assets€618,314within the sector's middle half▲ 18.8%€1.6mabove the sector's middle half▲ 160%€1.4mabove the sector's middle half▼ 16.0%€1.4mabove the sector's middle half▲ 0.7%€1.3mabove the sector's middle half▼ 2.7%
Debt€212,630▲ 33.2%€1.1m▲ 417%€197,055▼ 82.1%€225,529▲ 14.4%€199,485▼ 11.5%
Working capital€106,407within the sector's middle half▲ 20.4%-€831,634below the sector's middle half€826,241above the sector's middle half€718,530above the sector's middle half▼ 13.0%€714,406above the sector's middle half▼ 0.6%
Solvency65.6%within the sector's middle half▼ 3.7pp31.7%within the sector's middle half▼ 33.9pp85.4%above the sector's middle half▲ 53.7pp83.4%above the sector's middle half▼ 2.0pp84.9%above the sector's middle half▲ 1.5pp
Current ratio2.06within the sector's middle half▼ 0.460.19below the sector's middle half▼ 1.876.18above the sector's middle half▲ 5.994.42above the sector's middle half▼ 1.774.70above the sector's middle half▲ 0.29
Return on assets (ROA)11.9%within the sector's middle half▼ 4.7pp8.2%within the sector's middle half▼ 3.7pp51.2%above the sector's middle half▲ 42.9pp5.5%within the sector's middle half▼ 45.6pp5.8%within the sector's middle half▲ 0.2pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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 recovers in 2025; 2025 is 15% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.3m
Fixed assets
€416,545 ▼ 3.4%
Current assets
€907,412 ▼ 2.3%
Equity and liabilities €1.3m
Equity
€1.1m ▼ 0.9%
Debt
€199,485 ▼ 11.5%
Debt's share of the balance-sheet total falls from 16.6% to 15.1%. Equity and debt are lower.
Key figures and ratios
ROE
6.8%▲
2024 · 6.6%
Debt ≤ 1 year
€193,006▼
2024 · €210,336
Debt > 1 year
€2,822▼
2024 · €10,587
Income taxes
€44,911▲
2024 · €33,469
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 | €15,386 | €16,773 | €19,509 | €18,405 | €19,813 | ▲ 7.7% |
| Other operating charges640/8 | €2,437 | €1,445 | €124,176 | €2,771 | €1,392 | ▼ 49.8% |
| Gross operating margin9900 | €126,802 | €227,254 | €255,461 | €116,376 | €130,872 | ▲ 12.5% |
| Operating profit (loss)9901 | €108,979 | €209,035 | €111,777 | €95,200 | €109,667 | ▲ 15.2% |
| Financial income75/76B | €4,929 | €778 | €694,480 | €19,292 | €15,979 | ▼ 17.2% |
| Recurring financial income75 | €4,929 | €778 | €694,480 | €19,292 | €15,979 | ▼ 17.2% |
| Financial charges65/66B | €2,668 | €1,975 | €3,510 | €5,975 | €4,555 | ▼ 23.8% |
| Recurring financial charges65 | €2,668 | €1,975 | €3,510 | €5,975 | €4,555 | ▼ 23.8% |
| Profit (loss) for the period before taxes9903 | €111,240 | €207,838 | €802,747 | €108,517 | €121,091 | ▲ 11.6% |
| Income taxes67/77 | €37,394 | €75,253 | €111,435 | €33,469 | €44,911 | ▲ 34.2% |
| Profit (loss) for the period9904 | €73,846 | €132,585 | €691,312 | €75,049 | €76,180 | ▲ 1.5% |
| Transfer to tax-exempt reserves689 | - | - | €126,300 | €0 | - | - |
| Profit (loss) for the period to be appropriated9905 | €73,846 | €132,585 | €565,012 | €75,049 | €76,180 | ▲ 1.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €618,314 | €1.6m | €1.4m | €1.4m | €1.3m | ▼ 2.7% |
| Fixed assets21/28 | €411,714 | €1.4m | €365,602 | €431,358 | €416,545 | ▼ 3.4% |
| Tangible fixed assets22/27 | €129,186 | €129,111 | €109,602 | €107,358 | €87,545 | ▼ 18.5% |
| Land and buildings22 | €86,051 | €80,470 | €74,888 | €86,572 | €80,686 | ▼ 6.8% |
| Furniture and vehicles24 | €43,135 | €48,641 | €34,714 | €20,786 | €6,859 | ▼ 67.0% |
| Financial fixed assets28 | €282,528 | €1.3m | €256,000 | €324,000 | €329,000 | ▲ 1.5% |
| Current assets29/58 | €206,600 | €196,522 | €985,673 | €928,865 | €907,412 | ▼ 2.3% |
| Amounts receivable after more than one year29 | - | - | €477,667 | €409,667 | €409,667 | = |
| Other amounts receivable291 | - | - | €477,667 | €409,667 | €409,667 | = |
| Amounts receivable within one year40/41 | €0 | - | - | €2,775 | €0 | ▼ 100% |
| Other amounts receivable41 | €0 | - | - | €2,775 | €0 | ▼ 100% |
| Current investments50/53 | €41,304 | €42,082 | €396,741 | €399,222 | €69,222 | ▼ 82.7% |
| Cash at bank and in hand54/58 | €163,199 | €152,064 | €110,457 | €114,444 | €425,549 | ▲ 272% |
| Deferred charges and accrued income490/1 | €2,097 | €2,376 | €808 | €2,758 | €2,974 | ▲ 7.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €618,314 | €1.6m | €1.4m | €1.4m | €1.3m | ▼ 2.7% |
| Equity10/15 | €405,684 | €509,673 | €1.2m | €1.1m | €1.1m | ▼ 0.9% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €387,084 | €491,073 | €1.1m | €1.1m | €1.1m | ▼ 0.9% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €0 | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €0 | - | - | - |
| Tax-exempt reserves132 | - | - | €126,300 | €126,300 | €126,300 | = |
| Distributable reserves133 | €385,224 | €489,213 | €1.0m | €989,794 | €979,572 | ▼ 1.0% |
| Profit (loss) carried forward14 | €0 | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €212,630 | €1.1m | €197,055 | €225,529 | €199,485 | ▼ 11.5% |
| Amounts payable after more than one year17 | €111,947 | €70,331 | €36,341 | €10,587 | €2,822 | ▼ 73.4% |
| Financial debts170/4 | €111,947 | €70,331 | €36,341 | €10,587 | €2,822 | ▼ 73.4% |
| Amounts payable within one year42/48 | €100,194 | €1.0m | €159,432 | €210,336 | €193,006 | ▼ 8.2% |
| Current portion of amounts payable after more than one year42 | €31,629 | €26,121 | €23,871 | €15,586 | €7,766 | ▼ 50.2% |
| Financial debts43 | - | - | - | €2,111 | €2,119 | ▲ 0.4% |
| Credit institutions430/8 | - | - | - | €2,111 | €2,119 | ▲ 0.4% |
| Trade debts44 | €980 | €282 | €27 | €1,324 | €444 | ▼ 66.4% |
| Suppliers440/4 | €980 | €282 | €27 | €1,324 | €444 | ▼ 66.4% |
| Taxes, remuneration and social security45 | €21,708 | €53,547 | €52,939 | €50,239 | €7,002 | ▼ 86.1% |
| Taxes450/3 | €21,708 | €53,547 | €52,939 | €50,239 | €7,002 | ▼ 86.1% |
| Other amounts payable47/48 | €45,876 | €948,206 | €82,595 | €141,076 | €175,675 | ▲ 24.5% |
| Accrued charges and deferred income492/3 | €490 | €0 | €1,282 | €4,606 | €3,657 | ▼ 20.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €73,846 | €132,585 | €691,312 | €75,049 | €76,180 | ▲ 1.5% |
| + Depreciation and write-downs630 | €15,386 | €16,773 | €19,509 | €18,405 | €19,813 | ▲ 7.7% |
| Operating cash flow (approximation) | €89,232 | €149,359 | €710,821 | €93,453 | €95,993 | ▲ 2.7% |
| Investment in fixed assets (approximation) | - | -€1.0m | €1.0m | -€84,160 | -€5,000 | ▲ 94.1% |
| Change in cash | - | -€11,135 | -€41,607 | €3,987 | €311,105 | ▲ 7,704% |
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
06-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 6 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Highest result since 2018net €691,312 ▲421%
Net result €691,312, the highest in the series.
31-12
Financial
Liquidity times 32current ratio 6.18
Current ratio from 0.19 to 6.18; short-term debt falls from €1.0m to €159,432.
31-12
Financial
Equity above €1mEq €1.2m ▲126%
6 profitable years in a row build equity to €1.2m.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Equity above €500,000Eq €509,673 ▲25.6%
5 profitable years in a row build equity to €509,673.
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
13-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 13 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
15-06
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 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, Brugge · 1 establishment unit since 2004
Ground area
745 m²
Building footprint
189 m²
Volume, LiDAR
1,131 m³
Parcel 31434C0203/00E003, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Fin@ssur
since 20042.139.030.043
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31434C0203/00E003 | Flanders | 745 m² | 1 · 189 m² | 8.5 m · 2 fl. |
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.
Structure & network
Owners and holdings
2 holdingsOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 2
-
33.33%
-
30%
According to the 2025 annual accounts of Fin@ssur and those 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.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 12,415 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
Founded26-08-2004
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0866940468
Also
9925:BE0866940468
Registered
20-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.