Financials
- Financial year
- 2025
- Total assets
- €1.0m
- Profit
- €19,544
- Solvency
- 93.8%
Total assets▼ 5.2%
Net result
20182025
Summary
FINANCE TEAM 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 €973,514 and a net result of €19,544. Equity is growing by about 9.4% per year across the filed financial years. Its solvency ranks better than 91% of 50 sector peers (NACE 65, financial year 2025). The company has been active since 2002 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Insurance, reinsurance and pension funding, except compulsory social security
NACE 65112Agents and brokers in banking services NACE 66191
1 site
Size
€1.0mtotal assets 2025
- Staff
- 4.2 FTE
- Equity
- €973,514
- Profit
- €19,544
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
Structure
- Largest shareholder
- FINAREVA · 25%
- Board
- 6 members
- FinarevaDaily manager · permanent representative Valérie LUYCKS
2025 accounts filed 27 days late3 of 15 deeds summarised
Signalsraises risk2025 accounts filed 27 days lateShow the evidence
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.
Bankruptcy probability, 12 months
This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.
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Signals
1 signal.
raises risk
raises risk · 2025 accounts filed 27 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
27 days late
2024
27 days late
2023
61 days late
2022
30 days late
2021
19 days late
2020
31 days late
2019
31 days 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 32 days after the deadline; the sector median (NACE 65) for financial year 2024 is 29 days before the deadline, and 28% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 27 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
24-10-2026 today31-12-2026 year end31-07-2027 deadline
- Annual accounts filedfinancial year 2025 · abbreviated…
- Weakest financial yearnet €19,544 ▼66.8%
- Liquidity more than doubledcurrent ratio 18.65
Key points
By topic
Board & ownership
- Board
- 6 members
- Largest shareholder
- FINAREVA · 25%
- FinarevaDaily manager
- LDBV FINANCEDirector
- LLX FinanceDaily manager
- MINCÉ du FONTBARÉ de FUMAL FlorentDirector
- Olivier van ZeebroeckDirector
and 1 other director
Timeline
- Events
- 29
- Since
- 2004
- Next accounts
- by 31-07-2027
- 27-08-2025Annual accounts filed
- 17-01-2025Resignation: Vossen Alain (director)
- 30-09-2024Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Insurance, reinsurance and pension funding, except compulsory social…NACE 65112
- Founded
- 23-09-2002
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Articles of association
- Provisions read
- 29
- Purpose
- “L'activité d'agent délégué d'un établissement de crédit, établi en Belgique et agréé par…” (deed in French)
Key facts about FINANCE TEAM
- What is the company number of FINANCE TEAM?
- 0478.381.036. In Belgium the VAT number is the company number with BE in front: BE 0478.381.036.
- Where is FINANCE TEAM based?
- The registered office is at René Declercqstraat 59, 1150 Sint-Pieters-Woluwe.Company details
- What does FINANCE TEAM do?
- According to the KBO register, the main activity is insurance, reinsurance and pension funding, except compulsory social security (NACE 65112).
- What is the legal form of FINANCE TEAM?
- Private limited company (BV).
- When was FINANCE TEAM founded?
- On 23-09-2002.
- Is FINANCE TEAM still active?
- Yes, FINANCE TEAM is an active enterprise in the KBO register.
- How many employees does FINANCE TEAM have?
- On average 4.2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of FINANCE TEAM?
- Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
- Is FINANCE TEAM profitable?
- In financial year 2025, FINANCE TEAM made a profit of €19,544.
- Where can I find the annual accounts of FINANCE TEAM?
- FINANCE TEAM filed 23 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of FINANCE TEAM due?
- By 31-07-2027, for financial year 2026.Timeline
Companies related to FINANCE TEAM
Shareholders
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- RealteamSint-Pieters-Woluwe
- DANGREAU CONSULTINGBeersel
- Marsh Re (Belgium)Oudergem
- BUREAU ASSURANCES EMMANUEL VIGANOEstinnes
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