Summary
FINATIS 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 €315,866 and a net result of €58,457. Equity is growing by ~3.9% per year across the filed fiscal years. Its solvency ranks better than 85% of 2463 sector peers (fiscal year 2025). The company has been active since 1995 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 31-08-2026, 31 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
31 d late
2024
61 d late
2023
70 d late
2022
29 d late
2021
31 d late
2020
86 d late
2019
31 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 48 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 (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 31 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
In the rankings
#5 oldest company in Evere, Finance and insurance sector
Equity
€315,866▲ 22.7%
2024 · €257,409
Net result
€58,457▼ 4.6%
2024 · €61,249
Total assets
€363,204▲ 10.3%
2024 · €329,360
Solvency
87.0%▲ 8.8pp
2024 · 78.2%
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
Turnover€214,353
Operating result€58,915▲ 76.6%€43,505▼ 26.2%€52,522▲ 20.7%€79,315▲ 51.0%€87,246▲ 10.0%
Net result€55,301within the sector's middle half▼ 4.8%€29,821within the sector's middle half▼ 46.1%€5,350within the sector's middle half▼ 82.1%€61,249within the sector's middle half▲ 1,045%€58,457within the sector's middle half▼ 4.6%
Equity€335,319above the sector's middle half▲ 19.7%€365,140above the sector's middle half▲ 8.9%€324,731above the sector's middle half▼ 11.1%€257,409within the sector's middle half▼ 20.7%€315,866within the sector's middle half▲ 22.7%
Total assets€366,463within the sector's middle half▲ 6.7%€403,062within the sector's middle half▲ 10.0%€398,349within the sector's middle half▼ 1.2%€329,360within the sector's middle half▼ 17.3%€363,204within the sector's middle half▲ 10.3%
Debt€12,144▼ 72.6%€18,922▲ 55.8%€73,618▲ 289%€71,951▼ 2.3%€47,337▼ 34.2%
Working capital€331,527above the sector's middle half▲ 16.2%€347,791above the sector's middle half▲ 4.9%€267,508above the sector's middle half▼ 23.1%€200,760above the sector's middle half▼ 25.0%€264,403above the sector's middle half▲ 31.7%
Solvency91.5%above the sector's middle half▲ 10.0pp90.6%above the sector's middle half▼ 0.9pp81.5%above the sector's middle half▼ 9.1pp78.2%above the sector's middle half▼ 3.4pp87.0%above the sector's middle half▲ 8.8pp
Current ratio28.30above the sector's middle half▲ 19.0019.38above the sector's middle half▼ 8.928.13above the sector's middle half▼ 11.255.40above the sector's middle half▼ 2.739.48above the sector's middle half▲ 4.08
Return on assets (ROA)15.1%within the sector's middle half▼ 1.8pp7.4%within the sector's middle half▼ 7.7pp1.3%within the sector's middle half▼ 6.1pp18.6%within the sector's middle half▲ 17.3pp16.1%within the sector's middle half▼ 2.5pp
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
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 10% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €363,204
Fixed assets
€67,622 ▼ 18.5%
Current assets
€295,582 ▲ 20.0%
Equity and liabilities €363,204
Equity
€315,866 ▲ 22.7%
Debt
€47,337 ▼ 34.2%
Debt's share of the balance-sheet total falls from 21.8% to 13.0%. Equity is higher and debt is lower.
Key figures and ratios
ROE
18.5%▼
2024 · 23.8%
Debt ≤ 1 year
€31,178▼
2024 · €45,595
Debt > 1 year
€16,155▼
2024 · €26,355
Income taxes
€27,096▲
2024 · €16,005
Staff costs
€84,070=
2024 · €84,112
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 |
|---|---|---|---|---|---|---|
| Turnover70 | - | - | €214,353 | - | - | - |
| Non-recurring operating income76A | - | - | €2,504 | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | €58,247 | - | - | - |
| Remuneration, social security and pensions62 | €64,789 | €75,181 | €100,566 | €84,112 | €84,070 | = |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €902 | €902 | €7,004 | €15,383 | €15,383 | = |
| Other operating charges640/8 | €6,070 | €785 | €7,516 | €1,632 | €4,277 | ▲ 162% |
| Non-recurring operating charges66A | - | - | €2,900 | - | - | - |
| Gross operating margin9900 | €130,676 | €120,372 | €170,509 | €180,442 | €190,976 | ▲ 5.8% |
| Operating profit (loss)9901 | €58,915 | €43,505 | €52,522 | €79,315 | €87,246 | ▲ 10.0% |
| Financial income75/76B | €7 | - | €24 | - | - | - |
| Recurring financial income75 | €7 | - | €24 | - | - | - |
| Financial charges65/66B | €370 | €1,732 | €1,538 | €2,060 | €1,692 | ▼ 17.9% |
| Recurring financial charges65 | €370 | €1,732 | €1,538 | €2,060 | €1,692 | ▼ 17.9% |
| Profit (loss) for the period before taxes9903 | €58,552 | €41,773 | €51,008 | €77,255 | €85,554 | ▲ 10.7% |
| Income taxes67/77 | €3,251 | €11,952 | €45,659 | €16,005 | €27,096 | ▲ 69.3% |
| Profit (loss) for the period9904 | €55,301 | €29,821 | €5,350 | €61,249 | €58,457 | ▼ 4.6% |
| Profit (loss) for the period to be appropriated9905 | €55,301 | €29,821 | €5,350 | €61,249 | €58,457 | ▼ 4.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €366,463 | €403,062 | €398,349 | €329,360 | €363,204 | ▲ 10.3% |
| Fixed assets21/28 | €22,791 | €36,349 | €93,345 | €83,005 | €67,622 | ▼ 18.5% |
| Tangible fixed assets22/27 | €17,298 | €30,856 | €87,852 | €77,512 | €62,129 | ▼ 19.8% |
| Plant, machinery and equipment23 | - | - | - | €3,362 | €1,681 | ▼ 50.0% |
| Furniture and vehicles24 | - | - | €57,899 | €45,098 | €32,298 | ▼ 28.4% |
| Other tangible fixed assets26 | €17,298 | €30,856 | €29,954 | €29,052 | €28,150 | ▼ 3.1% |
| Financial fixed assets28 | €5,493 | €5,493 | €5,493 | €5,493 | €5,493 | = |
| Current assets29/58 | €343,671 | €366,713 | €305,004 | €246,355 | €295,582 | ▲ 20.0% |
| Amounts receivable after more than one year29 | - | - | €150,000 | €150,000 | €150,000 | = |
| Other amounts receivable291 | - | - | €150,000 | €150,000 | €150,000 | = |
| Amounts receivable within one year40/41 | €245,450 | €220,000 | €41,308 | €1,137 | €20,330 | ▲ 1,688% |
| Other amounts receivable41 | €245,450 | €220,000 | €41,308 | €1,137 | €20,330 | ▲ 1,688% |
| Cash at bank and in hand54/58 | €21,421 | €89,113 | €75,452 | €76,018 | €125,251 | ▲ 64.8% |
| Deferred charges and accrued income490/1 | €76,800 | €57,600 | €38,244 | €19,200 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €366,463 | €403,062 | €398,349 | €329,360 | €363,204 | ▲ 10.3% |
| Equity10/15 | €335,319 | €365,140 | €324,731 | €257,409 | €315,866 | ▲ 22.7% |
| Contributions10/11 | €90,000 | €90,000 | €90,000 | €90,000 | €90,000 | = |
| Capital10 | €90,000 | €90,000 | - | €90,000 | - | - |
| Issued capital100 | €90,000 | €90,000 | - | €90,000 | - | - |
| Reserves13 | €83,152 | €193,152 | €83,152 | €143,152 | €143,152 | = |
| Non-distributable reserves130/1 | €64,402 | €174,402 | €64,402 | €124,402 | €124,402 | = |
| Legal reserve130 | €64,402 | €174,402 | - | - | - | - |
| Reserves not available under the articles1311 | - | - | €64,402 | €124,402 | €124,402 | = |
| Tax-exempt reserves132 | €18,750 | €18,750 | €18,750 | €18,750 | €18,750 | = |
| Profit (loss) carried forward14 | €162,166 | €81,988 | €151,579 | €24,257 | €82,714 | ▲ 241% |
| Provisions and deferred taxes16 | €19,000 | €19,000 | - | - | - | - |
| Provisions for liabilities and charges160/5 | €19,000 | €19,000 | - | - | - | - |
| Other liabilities and charges164/5 | €19,000 | €19,000 | - | - | - | - |
| Amounts payable17/49 | €12,144 | €18,922 | €73,618 | €71,951 | €47,337 | ▼ 34.2% |
| Amounts payable after more than one year17 | - | - | €36,122 | €26,355 | €16,155 | ▼ 38.7% |
| Financial debts170/4 | - | - | €36,122 | €26,355 | €16,155 | ▼ 38.7% |
| Amounts payable within one year42/48 | €12,144 | €18,922 | €37,496 | €45,595 | €31,178 | ▼ 31.6% |
| Current portion of amounts payable after more than one year42 | - | - | €9,352 | €9,767 | €10,200 | ▲ 4.4% |
| Trade debts44 | €1,023 | €3,132 | €5,394 | €14,153 | €7,556 | ▼ 46.6% |
| Suppliers440/4 | €1,023 | €3,132 | €5,394 | €14,153 | €7,556 | ▼ 46.6% |
| Taxes, remuneration and social security45 | €11,121 | €13,276 | €22,749 | €11,676 | €13,422 | ▲ 15.0% |
| Taxes450/3 | €4,102 | €8,828 | €11,392 | €9,198 | €9,193 | ▼ 0.1% |
| Remuneration and social security454/9 | €7,019 | €4,448 | €11,357 | €2,477 | €4,229 | ▲ 70.7% |
| Other amounts payable47/48 | - | €2,514 | - | €10,000 | - | - |
| Accrued charges and deferred income492/3 | - | - | - | - | €4 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €55,301 | €29,821 | €5,350 | €61,249 | €58,457 | ▼ 4.6% |
| + Depreciation and write-downs630 | €902 | €902 | €7,004 | €15,383 | €15,383 | = |
| Operating cash flow (approximation) | €56,203 | €30,723 | €12,354 | €76,632 | €73,840 | ▼ 3.6% |
| Investment in fixed assets (approximation) | - | -€14,460 | -€64,001 | -€5,042 | €0 | ▲ 100% |
| Change in cash | - | €67,691 | -€13,661 | €566 | €49,233 | ▲ 8,598% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Highest result since 2018net €61,249 ▲1,045%
Net result €61,249, the highest in the series.
09-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 70 days late
2023
31-12
Financial
Weakest financial yearnet €5,350 ▼82.1%
Net result drops to €5,350, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Liquidity triplescurrent ratio 28.30
Current ratio from 9.30 to 28.30; short-term debt falls from €34,381 to €12,144.
25-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 86 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 10 acts read
About the unread acts
We know of 10 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
10 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, Evere · 2 establishment units since 1996
Ground area
699 m²
Building footprint
247 m²
Volume, LiDAR
2,427 m³
2 parcels, Brussels · tallest building 15.7 m, ±4 floors. Linked by address, not a title deed.
7
companies at this address
See who is registered here
2 establishment units
FINATIS
since 19962.074.593.339
FINATIS
since 20172.297.387.293
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21006A0376/00W002 | Brussels | 563 m² | 1 · 111 m² | 13.3 m · 4 fl. |
| 21001A0570/00K012 | Brussels | 136 m² | 1 · 136 m² | 15.7 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 4,673 companies in sector 66220 we hold annual accounts for 3,222. 2,734 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded08-11-1995
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0456435676
Also
9925:BE0456435676
Registered
11-03-2025
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.