FINANCE FOR FUTURE
ActiveSummary
FINANCE FOR FUTURE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The latest annual accounts of FINANCE FOR FUTURE were filed more than 90 days after the deadline. The 2024 annual accounts show equity of €141,921 and a net result of €24,010. Equity is growing by ~4.2% per year across the filed fiscal years. Its solvency ranks better than 26% of 3318 sector peers (fiscal year 2024). The company has been active since 2001 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.
Filing: Filed more than 90 days late
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Signals
1 signal. The signal on the left, the evidence on the right.
+raises risk
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-10-2025, 92 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
92 d late
2023
404 d late
2022
99 d late
2021
102 d late
2020
136 d late
2019
61 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 149 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 (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€141,921▼ 0.7%
2023 · €142,911
Net result
€24,010▼ 46.4%
2023 · €44,799
Total assets
€654,100▼ 9.2%
2023 · €719,998
Solvency
21.7%▲ 1.8pp
2023 · 19.8%
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
Line20202021202220232024
Operating result€34,586▼ 52.4%-€19,964€23,770€39,364▲ 65.6%€48,915▲ 24.3%
Net result€20,514within the sector's middle half▼ 47.4%-€44,142below the sector's middle half€708below the sector's middle half€44,799within the sector's middle half▲ 6,226%€24,010within the sector's middle half▼ 46.4%
Equity€141,545within the sector's middle half▲ 16.9%€97,403within the sector's middle half▼ 31.2%€98,111below the sector's middle half▲ 0.7%€142,911within the sector's middle half▲ 45.7%€141,921within the sector's middle half▼ 0.7%
Total assets€838,536within the sector's middle half=€796,296within the sector's middle half▼ 5.0%€740,718within the sector's middle half▼ 7.0%€719,998above the sector's middle half▼ 2.8%€654,100within the sector's middle half▼ 9.2%
Debt€696,992▼ 2.8%€698,893▲ 0.3%€642,607▼ 8.1%€577,088▼ 10.2%€512,179▼ 11.2%
Working capital€98,192within the sector's middle half€81,324within the sector's middle half▼ 17.2%€67,900within the sector's middle half▼ 16.5%€170,707above the sector's middle half▲ 151%€151,114within the sector's middle half▼ 11.5%
Solvency16.9%within the sector's middle half▲ 2.4pp12.2%below the sector's middle half▼ 4.6pp13.2%below the sector's middle half▲ 1.0pp19.8%below the sector's middle half▲ 6.6pp21.7%within the sector's middle half▲ 1.8pp
Current ratio2.08within the sector's middle half▲ 1.521.65within the sector's middle half▼ 0.441.48within the sector's middle half▼ 0.173.24within the sector's middle half▲ 1.763.24within the sector's middle half=
Return on assets (ROA)2.4%within the sector's middle half▼ 2.2pp-5.5%below the sector's middle half▼ 8.0pp0.1%below the sector's middle half▲ 5.6pp6.2%within the sector's middle half▲ 6.1pp3.7%within the sector's middle half▼ 2.6pp
Staff (FTE)2.4within the sector's middle half=2.2within the sector's middle half▼ 8.3%1.6below the sector's middle half▼ 27.3%
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.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 24% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €654,100
Fixed assets
€435,564 ▼ 7.9%
Current assets
€218,536 ▼ 11.5%
Equity and liabilities €654,100
Equity
€141,921 ▼ 0.7%
Debt
€512,179 ▼ 11.2%
Debt's share of the balance-sheet total falls from 80.2% to 78.3%. Equity and debt are lower.
Key figures and ratios
ROE
16.9%▼
2023 · 31.3%
Debt ≤ 1 year
€67,422▼
2023 · €76,161
Debt > 1 year
€444,758▼
2023 · €500,927
Income taxes
€3,262▲
2023 · -€6,287
Staff costs
€55,322▼
2023 · €73,663
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €106,470 | €83,417 | €73,663 | €55,322 | ▼ 24.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €60,530 | €60,530 | €58,040 | €58,008 | €37,567 | ▼ 35.2% |
| Other operating charges640/8 | - | €868 | - | - | €34,935 | - |
| Gross operating margin9900 | €185,548 | €147,905 | €165,227 | €171,035 | €176,738 | ▲ 3.3% |
| Operating profit (loss)9901 | €34,586 | -€19,964 | €23,770 | €39,364 | €48,915 | ▲ 24.3% |
| Financial income75/76B | - | €9,046 | €10,944 | €6,502 | €76 | ▼ 98.8% |
| Recurring financial income75 | €11,016 | €9,046 | €10,944 | €6,502 | €76 | ▼ 98.8% |
| Financial charges65/66B | - | €21,974 | €24,006 | €7,354 | €21,719 | ▲ 195% |
| Recurring financial charges65 | €21,749 | €21,974 | €24,006 | €7,354 | €21,719 | ▲ 195% |
| Profit (loss) for the period before taxes9903 | €23,852 | -€32,892 | €10,708 | €38,512 | €27,272 | ▼ 29.2% |
| Income taxes67/77 | €3,338 | €11,250 | €10,000 | -€6,287 | €3,262 | ▲ 152% |
| Profit (loss) for the period9904 | €20,514 | -€44,142 | €708 | €44,799 | €24,010 | ▼ 46.4% |
| Profit (loss) for the period to be appropriated9905 | €20,514 | -€44,142 | €708 | €44,799 | €24,010 | ▼ 46.4% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €838,536 | €796,296 | €740,718 | €719,998 | €654,100 | ▼ 9.2% |
| Fixed assets21/28 | €649,709 | €589,178 | €531,139 | €473,131 | €435,564 | ▼ 7.9% |
| Intangible fixed assets21 | €339,310 | €293,849 | €249,854 | €205,860 | €176,532 | ▼ 14.2% |
| Tangible fixed assets22/27 | €310,207 | €295,137 | €281,092 | €267,079 | €258,840 | ▼ 3.1% |
| Land and buildings22 | - | €283,554 | €275,317 | €267,079 | €258,840 | ▼ 3.1% |
| Furniture and vehicles24 | - | €11,583 | €5,775 | €0 | - | - |
| Financial fixed assets28 | €193 | €193 | €193 | €193 | €193 | = |
| Current assets29/58 | €188,827 | €207,118 | €209,580 | €246,867 | €218,536 | ▼ 11.5% |
| Amounts receivable within one year40/41 | €143,161 | €168,317 | €174,953 | €238,342 | €218,428 | ▼ 8.4% |
| Trade receivables40 | - | - | - | €0 | €16,279 | - |
| Other amounts receivable41 | - | €168,317 | €174,953 | €238,342 | €202,149 | ▼ 15.2% |
| Cash at bank and in hand54/58 | €9,570 | €3,016 | €115 | €8,525 | - | - |
| Deferred charges and accrued income490/1 | - | €35,784 | €34,511 | - | €108 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €838,536 | €796,296 | €740,718 | €719,998 | €654,100 | ▼ 9.2% |
| Equity10/15 | €141,545 | €97,403 | €98,111 | €142,911 | €141,921 | ▼ 0.7% |
| Contributions10/11 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Capital10 | - | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Issued capital100 | - | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Non-distributable reserves130/1 | - | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Legal reserve130 | - | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Profit (loss) carried forward14 | €121,094 | €76,952 | €77,660 | €122,460 | €121,470 | ▼ 0.8% |
| Amounts payable17/49 | €696,992 | €698,893 | €642,607 | €577,088 | €512,179 | ▼ 11.2% |
| Amounts payable after more than one year17 | €595,150 | €566,599 | €500,927 | €500,927 | €444,758 | ▼ 11.2% |
| Financial debts170/4 | - | €566,599 | €500,927 | €500,927 | €444,758 | ▼ 11.2% |
| Amounts payable within one year42/48 | €90,636 | €125,794 | €141,680 | €76,161 | €67,422 | ▼ 11.5% |
| Current portion of amounts payable after more than one year42 | - | €73,897 | €74,342 | €0 | - | - |
| Financial debts43 | - | €22,844 | €25,990 | €24,597 | €24,029 | ▼ 2.3% |
| Credit institutions430/8 | - | €22,844 | €25,990 | €24,597 | €24,029 | ▼ 2.3% |
| Trade debts44 | €4,492 | €9,565 | €24,241 | €4,349 | €15,130 | ▲ 248% |
| Suppliers440/4 | - | €9,565 | €24,241 | €4,349 | €15,130 | ▲ 248% |
| Taxes, remuneration and social security45 | - | €19,487 | €17,107 | €47,215 | €3,262 | ▼ 93.1% |
| Taxes450/3 | - | - | - | €9,857 | €3,262 | ▼ 66.9% |
| Remuneration and social security454/9 | - | €19,487 | €17,107 | €37,358 | - | - |
| Other amounts payable47/48 | - | - | - | - | €25,000 | - |
| Accrued charges and deferred income492/3 | - | €6,500 | - | €0 | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €20,514 | -€44,142 | €708 | €44,799 | €24,010 | ▼ 46.4% |
| + Depreciation and write-downs630 | €60,530 | €60,530 | €58,040 | €58,008 | €37,567 | ▼ 35.2% |
| Operating cash flow (approximation) | €81,045 | €16,389 | €58,748 | €102,807 | €61,577 | ▼ 40.1% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€0 | €0 | ▲ 200% |
| Change in cash | - | -€6,553 | -€2,901 | €8,410 | - | - |
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
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 92 days late
08-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 404 days late
2023
31-12
Financial
Highest result since 2018net €44,799 ▲6,226%
Net result €44,799, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 3.24
Current ratio from 1.48 to 3.24; short-term debt falls from €141,680 to €76,161.
31-12
Financial
Equity above €100,000Eq €142,911 ▲45.7%
2 profitable years in a row build equity to €142,911.
07-11
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 99 days late
2022
31-12
Financial
Back to profitnet €708
Net result €708 after one loss-making year.
10-11
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 102 days late
2021
31-12
Financial
Weakest financial yearnet -€44,142
Net result drops to -€44,142, the lowest in the series; recovery starts the following year.
14-12
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 136 days late
2020
31-12
Financial
Liquidity quadruplescurrent ratio 2.08
Current ratio from 0.56 to 2.08; short-term debt falls from €227,253 to €90,636.
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 61 days late
Show earlier events
2019
31-12
Financial
Equity above €100,000Eq €121,031 ▲47.6%
2 profitable years in a row build equity to €121,031.
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 31 days late
2018
01-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 1 day late
2017
28-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
26-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 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
No directors read yet: 0 of 6 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Sint-Agatha-Berchem · 1 establishment unit since 2001
Ground area
187 m²
Building footprint
170 m²
Volume, LiDAR
1,285 m³
Parcel 21003A0314/00E008, Brussels · tallest building 12.3 m, ±3 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Gentsesteenweg 1186, 1082 Sint-Agatha-Berchem
since 20012.094.413.409
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21003A0314/00E008 | Brussels | 187 m² | 1 · 170 m² | 12.3 m · 3 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.
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Of 1,682 companies in this sector we hold annual accounts for 1,230. 1,098 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company (pre-2019)
Founded23-01-2001
Fiscal year end31-12
Abbreviation NL
F4F
Activities, NACEBEL 2025
66191Agents and brokers in banking services
E-invoicing
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Register as of 30 September 2026 · Peppol Directory
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