finans projects
ActiveSummary
finans projects is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The latest annual accounts of finans projects were filed more than 90 days after the deadline. The 2024 annual accounts show negative equity (-€58,635) and a net result of -€25,056. Its solvency ranks better than 5% of 3320 sector peers (fiscal year 2024). The company has been active since 2010 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
Two signals. The signal on the left, the evidence on the right.
+raises risk
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 3320 sector peers (2024).
NBB · sector comparisonPosition among 3320 sector peers
Solvency
better than 5%
← weakest
strongest →
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 12-02-2026, 196 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 · 2 filingsDeviation from the deadline
2025
not confirmed
2024
196 d late
2023
56 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 2 accounts on average 126 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
-€58,635▼ 74.6%
2023 · -€33,579
Net result
-€25,056▼ 148%
2023 · -€10,118
Total assets
€6,345▼ 41.5%
2023 · €10,849
Solvency
-924.1%▼ 614.6pp
2023 · -309.5%
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
Line20232024
Operating result-€3,526--€15,785▼ 348%
Net result-€10,118below the sector's middle half--€25,056below the sector's middle half▼ 148%
Equity-€33,579below the sector's middle half--€58,635below the sector's middle half▼ 74.6%
Total assets€10,849below the sector's middle half-€6,345below the sector's middle half▼ 41.5%
Debt€44,428-€64,980▲ 46.3%
Working capital-€41,609below the sector's middle half--€47,697below the sector's middle half▼ 14.6%
Solvency-309.5%below the sector's middle half--924.1%below the sector's middle half▼ 614.6pp
Current ratio0.06below the sector's middle half-0.05below the sector's middle half▼ 0.01
Return on assets (ROA)-93.3%below the sector's middle half--394.9%below the sector's middle half▼ 301.6pp
Staff (FTE)0.5
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 micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €15,785 in 2024 against €3,526 in 2023; the loss grows.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €6,345
Fixed assets
€3,964 ▼ 52.0%
Current assets
€2,381 ▼ 8.0%
Key figures and ratios
Debt ≤ 1 year
€50,078▲
2023 · €44,199
Debt > 1 year
€14,677
Income taxes
€124▼
2023 · €265
Staff costs
€2,769▼
2023 · €4,216
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Remuneration, social security and pensions62 | €4,216 | €2,769 | ▼ 34.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,381 | €976 | ▼ 71.1% |
| Other operating charges640/8 | €273 | €292 | ▲ 6.9% |
| Gross operating margin9900 | €4,344 | -€11,748 | ▼ 370% |
| Operating profit (loss)9901 | -€3,526 | -€15,785 | ▼ 348% |
| Financial income75/76B | - | €17 | - |
| Recurring financial income75 | - | €17 | - |
| Financial charges65/66B | €6,327 | €9,164 | ▲ 44.8% |
| Recurring financial charges65 | €6,327 | €9,164 | ▲ 44.8% |
| Profit (loss) for the period before taxes9903 | -€9,853 | -€24,932 | ▼ 153% |
| Income taxes67/77 | €265 | €124 | ▼ 53.3% |
| Profit (loss) for the period9904 | -€10,118 | -€25,056 | ▼ 148% |
| Profit (loss) for the period to be appropriated9905 | -€10,118 | -€25,056 | ▼ 148% |
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €10,849 | €6,345 | ▼ 41.5% |
| Fixed assets21/28 | €8,260 | €3,964 | ▼ 52.0% |
| Tangible fixed assets22/27 | €8,260 | €3,964 | ▼ 52.0% |
| Plant, machinery and equipment23 | €2,671 | €2,223 | ▼ 16.8% |
| Furniture and vehicles24 | €5,589 | €1,741 | ▼ 68.8% |
| Current assets29/58 | €2,589 | €2,381 | ▼ 8.0% |
| Amounts receivable within one year40/41 | €1,330 | €716 | ▼ 46.1% |
| Trade receivables40 | €1,230 | €616 | ▼ 49.9% |
| Other amounts receivable41 | €100 | €100 | = |
| Cash at bank and in hand54/58 | €1,030 | €1,556 | ▲ 51.1% |
| Deferred charges and accrued income490/1 | €230 | €108 | ▼ 52.8% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €10,849 | €6,345 | ▼ 41.5% |
| Equity10/15 | -€33,579 | -€58,635 | ▼ 74.6% |
| Contributions10/11 | €3,952 | €3,952 | = |
| Reserves13 | €15,620 | €15,620 | = |
| Distributable reserves133 | €15,620 | €15,620 | = |
| Profit (loss) carried forward14 | -€53,151 | -€78,206 | ▼ 47.1% |
| Amounts payable17/49 | €44,428 | €64,980 | ▲ 46.3% |
| Amounts payable after more than one year17 | - | €14,677 | - |
| Financial debts170/4 | - | €14,677 | - |
| Amounts payable within one year42/48 | €44,199 | €50,078 | ▲ 13.3% |
| Current portion of amounts payable after more than one year42 | - | €3,323 | - |
| Financial debts43 | - | €3,718 | - |
| Other loans439 | - | €3,718 | - |
| Trade debts44 | €20,959 | €23,557 | ▲ 12.4% |
| Suppliers440/4 | €20,959 | €23,557 | ▲ 12.4% |
| Taxes, remuneration and social security45 | €5,050 | €1,358 | ▼ 73.1% |
| Taxes450/3 | €407 | €1,358 | ▲ 233% |
| Remuneration and social security454/9 | €4,642 | - | - |
| Other amounts payable47/48 | €18,190 | €18,122 | ▼ 0.4% |
| Accrued charges and deferred income492/3 | €230 | €225 | ▼ 2.1% |
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | -€10,118 | -€25,056 | ▼ 148% |
| + Depreciation and write-downs630 | €3,381 | €976 | ▼ 71.1% |
| Operating cash flow (approximation) | -€6,736 | -€24,079 | ▼ 257% |
| Investment in fixed assets (approximation) | - | €3,320 | - |
| Change in cash | - | €526 | - |
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
2026
12-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 196 days late
2024
25-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 56 days late
NBB filing
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, Lubbeek · 1 establishment unit since 2010
Ground area
664 m²
Building footprint
110 m²
Volume, LiDAR
832 m³
Parcel 24066H0107/00Y002, Flanders · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Moneycoach.nu
since 20102.190.609.495
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24066H0107/00Y002 | Flanders | 664 m² | 1 · 109 m² | 11.2 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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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 4,674 companies in sector 66220 we hold annual accounts for 3,222. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded14-04-2010
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
82100Office administrative and support services
85599Other education
Contact
E-invoicing
Reachable via Peppol
Peppol ID
0208:0824977971
Also
9925:BE0824977971
Registered
25-06-2026
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.