Summary
FINANCE TRYBOU 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 €523,234 and a net result of €70,042. Equity is growing by ~7.9% per year across the filed fiscal years. Its solvency ranks better than 75% of 1501 sector peers (fiscal year 2025). The company has been active since 2020 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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-07-2026, 23 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
23 d early
2024
30 d early
2023
1 d early
2022
4 d early
2021
2 d early
2020
19 d early
← 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 13 days before 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 27 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#9 employer in Ypres, Finance and insurance sector
Equity
€523,234▲ 15.5%
2024 · €453,192
Net result
€70,042▲ 7.8%
2024 · €64,976
Total assets
€767,203▲ 5.2%
2024 · €729,088
Solvency
68.2%▲ 6.0pp
2024 · 62.2%
Trend over the years
Click a name to add, emphasise or remove a line.Band: 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.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€26,912▼ 59.8%€203,612▲ 657%€132,186▼ 35.1%€82,328▼ 37.7%€95,316▲ 15.8%
Net result€12,497below the sector's middle half▼ 77.6%€150,036within the sector's middle half▲ 1,101%€96,619within the sector's middle half▼ 35.6%€64,976within the sector's middle half▼ 32.8%€70,042within the sector's middle half▲ 7.8%
Equity€370,165within the sector's middle half▲ 3.5%€520,201within the sector's middle half▲ 40.5%€616,820within the sector's middle half▲ 18.6%€453,192within the sector's middle half▼ 26.5%€523,234within the sector's middle half▲ 15.5%
Total assets€488,024within the sector's middle half▼ 0.2%€835,150within the sector's middle half▲ 71.1%€875,575within the sector's middle half▲ 4.8%€729,088within the sector's middle half▼ 16.7%€767,203within the sector's middle half▲ 5.2%
Debt€117,859▼ 10.2%€314,949▲ 167%€258,755▼ 17.8%€275,896▲ 6.6%€243,969▼ 11.6%
Working capital-€17,422below the sector's middle half€125,158within the sector's middle half€278,922within the sector's middle half▲ 123%€124,001within the sector's middle half▼ 55.5%€122,653within the sector's middle half▼ 1.1%
Solvency75.8%above the sector's middle half▲ 2.7pp62.3%within the sector's middle half▼ 13.6pp70.4%within the sector's middle half▲ 8.2pp62.2%within the sector's middle half▼ 8.3pp68.2%within the sector's middle half▲ 6.0pp
Current ratio0.85below the sector's middle half▼ 0.391.56within the sector's middle half▲ 0.722.43within the sector's middle half▲ 0.871.51within the sector's middle half▼ 0.921.51within the sector's middle half=
Return on assets (ROA)2.6%within the sector's middle half▼ 8.8pp18.0%above the sector's middle half▲ 15.4pp11.0%within the sector's middle half▼ 6.9pp8.9%within the sector's middle half▼ 2.1pp9.1%within the sector's middle half▲ 0.2pp
Staff (FTE)4within the sector's middle half▲ 111%4.4within the sector's middle half▲ 10.0%4.5within the sector's middle half▲ 2.3%6.2within the sector's middle half▲ 37.8%7.8above the sector's middle half▲ 25.8%
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
The operating result recovers in 2025; 2025 is 16% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €767,203
Fixed assets
€405,484 ▲ 11.6%
Current assets
€361,719 ▼ 1.1%
Equity and liabilities €767,203
Equity
€523,234 ▲ 15.5%
Debt
€243,969 ▼ 11.6%
Debt's share of the balance-sheet total falls from 37.8% to 31.8%. Equity is higher and debt is lower.
Key figures and ratios
ROE
13.4%▼
2024 · 14.3%
Debt ≤ 1 year
€239,066▼
2024 · €241,777
Debt > 1 year
€4,903▼
2024 · €34,118
Income taxes
€23,989▲
2024 · €21,275
Staff costs
€515,322▲
2024 · €423,317
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 | €235,514 | €281,172 | €327,390 | €423,317 | €515,322 | ▲ 21.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €56,451 | €82,511 | €77,820 | €74,821 | €89,824 | ▲ 20.1% |
| Other operating charges640/8 | €2,679 | €2,548 | €2,283 | €3,215 | €2,964 | ▼ 7.8% |
| Gross operating margin9900 | €321,556 | €569,843 | €539,678 | €583,680 | €703,426 | ▲ 20.5% |
| Operating profit (loss)9901 | €26,912 | €203,612 | €132,186 | €82,328 | €95,316 | ▲ 15.8% |
| Financial income75/76B | €613 | €462 | €2,096 | €6,271 | €1,302 | ▼ 79.2% |
| Recurring financial income75 | €613 | €462 | €2,096 | €6,271 | €1,302 | ▼ 79.2% |
| Financial charges65/66B | €4,370 | €3,451 | €5,891 | €2,349 | €2,586 | ▲ 10.1% |
| Recurring financial charges65 | €4,370 | €3,451 | €5,891 | €2,349 | €2,586 | ▲ 10.1% |
| Profit (loss) for the period before taxes9903 | €23,155 | €200,623 | €128,390 | €86,250 | €94,032 | ▲ 9.0% |
| Income taxes67/77 | €10,658 | €50,587 | €31,771 | €21,275 | €23,989 | ▲ 12.8% |
| Profit (loss) for the period9904 | €12,497 | €150,036 | €96,619 | €64,976 | €70,042 | ▲ 7.8% |
| Transfer from tax-exempt reserves789 | €23,469 | €0 | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €35,966 | €150,036 | €96,619 | €64,976 | €70,042 | ▲ 7.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €488,024 | €835,150 | €875,575 | €729,088 | €767,203 | ▲ 5.2% |
| Fixed assets21/28 | €392,642 | €486,898 | €401,347 | €363,310 | €405,484 | ▲ 11.6% |
| Intangible fixed assets21 | €348,709 | €459,005 | €390,456 | €321,908 | €374,532 | ▲ 16.3% |
| Tangible fixed assets22/27 | €43,934 | €27,893 | €10,890 | €41,402 | €30,953 | ▼ 25.2% |
| Plant, machinery and equipment23 | - | - | - | - | €1,661 | - |
| Furniture and vehicles24 | €43,934 | €27,893 | €10,890 | €41,402 | €29,292 | ▼ 29.3% |
| Current assets29/58 | €95,382 | €348,253 | €474,228 | €365,778 | €361,719 | ▼ 1.1% |
| Amounts receivable within one year40/41 | €64,332 | €209,399 | €121,101 | €88,720 | €99,354 | ▲ 12.0% |
| Trade receivables40 | €266 | €8,685 | €3,648 | €0 | €50,950 | - |
| Other amounts receivable41 | €64,066 | €200,713 | €117,453 | €88,720 | €48,404 | ▼ 45.4% |
| Current investments50/53 | - | - | €200,000 | €0 | - | - |
| Cash at bank and in hand54/58 | €31,050 | €137,522 | €152,634 | €277,058 | €260,813 | ▼ 5.9% |
| Deferred charges and accrued income490/1 | €0 | €1,332 | €492 | €0 | €1,551 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €488,024 | €835,150 | €875,575 | €729,088 | €767,203 | ▲ 5.2% |
| Equity10/15 | €370,165 | €520,201 | €616,820 | €453,192 | €523,234 | ▲ 15.5% |
| Contributions10/11 | €3,724 | €3,724 | €3,724 | €3,724 | €3,724 | = |
| Reserves13 | €366,441 | €516,477 | €613,096 | €449,469 | €519,511 | ▲ 15.6% |
| Tax-exempt reserves132 | €0 | - | - | - | - | - |
| Distributable reserves133 | €366,441 | €516,477 | €613,096 | €449,469 | €519,511 | ▲ 15.6% |
| Profit (loss) carried forward14 | €0 | - | - | €0 | €0 | - |
| Amounts payable17/49 | €117,859 | €314,949 | €258,755 | €275,896 | €243,969 | ▼ 11.6% |
| Amounts payable after more than one year17 | €5,055 | €91,535 | €62,994 | €34,118 | €4,903 | ▼ 85.6% |
| Financial debts170/4 | €5,055 | €91,535 | €62,994 | €34,118 | €4,903 | ▼ 85.6% |
| Amounts payable within one year42/48 | €112,804 | €223,095 | €195,306 | €241,777 | €239,066 | ▼ 1.1% |
| Current portion of amounts payable after more than one year42 | €5,000 | €33,264 | €28,540 | €28,876 | €29,216 | ▲ 1.2% |
| Trade debts44 | €10,447 | €94,465 | €93,319 | €114,295 | €87,694 | ▼ 23.3% |
| Suppliers440/4 | €10,447 | €94,465 | €93,319 | €114,295 | €87,694 | ▼ 23.3% |
| Advances received on contracts in progress46 | - | - | - | €64 | €0 | ▼ 100% |
| Taxes, remuneration and social security45 | €60,846 | €86,874 | €73,447 | €98,126 | €122,156 | ▲ 24.5% |
| Taxes450/3 | €17,625 | €51,468 | €11,407 | €13,731 | €20,233 | ▲ 47.4% |
| Remuneration and social security454/9 | €43,221 | €35,406 | €62,040 | €84,395 | €101,923 | ▲ 20.8% |
| Other amounts payable47/48 | €36,511 | €8,493 | €0 | €416 | €0 | ▼ 100% |
| Accrued charges and deferred income492/3 | €0 | €320 | €454 | €0 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €12,497 | €150,036 | €96,619 | €64,976 | €70,042 | ▲ 7.8% |
| + Depreciation and write-downs630 | €56,451 | €82,511 | €77,820 | €74,821 | €89,824 | ▲ 20.1% |
| Operating cash flow (approximation) | €68,948 | €232,547 | €174,439 | €139,797 | €159,867 | ▲ 14.4% |
| Investment in fixed assets (approximation) | - | -€176,767 | €7,732 | -€36,784 | -€131,999 | ▼ 259% |
| Change in cash | - | €106,473 | €15,112 | €124,423 | -€16,244 | ▼ 113% |
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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €500,000Eq €523,234 ▲15.5%
6 profitable years in a row build equity to €523,234.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2020net €150,036 ▲1,101%
Operating result €203,612, net result €150,036, both a record.
31-12
Financial
Equity above €500,000Eq €520,201 ▲40.5%
3 profitable years in a row build equity to €520,201.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €12,497 ▼77.6%
Net result drops to €12,497, the lowest in the series; recovery starts the following year.
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Ieper · 3 establishment units since 2020
Ground area
848 m²
Building footprint
634 m²
Volume, LiDAR
4,294 m³
3 parcels, Flanders · tallest building 11.5 m, ±3 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
3 establishment units
FINANCE TRYBOU
since 20202.305.612.004
FINANCE TRYBOU
since 20202.315.538.864
FINANCE TRYBOU
since 20202.315.538.963
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 32006D0012/00D013 | Flanders | 477 m² | 1 · 182 m² | 9.9 m · 1 fl. |
| 33306B0337/00D000 | Flanders | 222 m² | 1 · 314 m² | 8.7 m · 3 fl. |
| 33021F0604/00D000 | Flanders | 149 m² | 1 · 138 m² | 11.5 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
3 of 3 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 2024 · 3 entries · 843 EUR awarded · 843 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 500 EUR | 500 EUR |
| 2023 | 1 | 225 EUR | 225 EUR |
| 2022 | 1 | 118 EUR | 118 EUR |
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Of 4,674 companies in sector 66220 we hold annual accounts for 3,222. 2,574 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
Founded24-07-2020
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
66220Insurance agents and brokers
66199Other activities auxiliary to financial services, excluding insurance and pension funding
E-invoicing
Reachable via Peppol
Peppol ID
0208:0751722284
Registered
27-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.