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 about 3.9% per year across the filed financial years. Its solvency ranks better than 86% of 3,040 sector peers (NACE 66, financial year 2025). The company has been active since 1995 and the Belgian Official Gazette contains no insolvency or warning signals.
Financials · financial year 2025, micro format
In the rankings
#6 oldest company in Evere, Finance and insurance sector
2025 annual accounts filed late (31 days) Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00468595.
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
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
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.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€87,246
2025
Net result€58,457
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€363,204
2025
Equity€315,866
2025
Debt€47,337
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital€264,403
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)16.1%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency87.0%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio9.48
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Turnover€214,353
Operating result€22,079-€13,143▼ 40.5%€33,356▲ 154%€58,915▲ 76.6%€43,505▼ 26.2%€52,522▲ 20.7%€79,315▲ 51.0%€87,246▲ 10.0%
Net result€19,796-€7,517▼ 62.0%€58,113within the sector's middle half▲ 673%€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▲ 11×€58,457within the sector's middle half▼ 4.6%
Equity€237,387-€244,904▲ 3.2%€280,017above the sector's middle half▲ 14.3%€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€318,695-€290,625▼ 8.8%€343,395within the sector's middle half▲ 18.2%€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€81,308-€45,721▼ 43.8%€44,377▼ 2.9%€12,144▼ 72.6%€18,922▲ 55.8%€73,618▲ 289%€71,951▼ 2.3%€47,337▼ 34.2%
Working capital€214,063-€211,494▼ 1.2%€285,320above the sector's middle half▲ 34.9%€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%
Solvency74.5%-84.3%▲ 9.8pp81.5%above the sector's middle half▼ 2.7pp91.5%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 ratio4.36-6.84▲ 2.489.30above the sector's middle half▲ 2.4628.30above 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)6.2%-2.6%▼ 3.6pp16.9%within the sector's middle half▲ 14.3pp15.1%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 of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
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 | 2018 | 2019 | 2020 | 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 | €15,572 | €902 | €15,864 | €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 | €59,849 | €67,675 | €126,350 | €130,676 | €120,372 | €170,509 | €180,442 | €190,976 | ▲ 5.8% |
| Operating profit (loss)9901 | €22,079 | €13,143 | €33,356 | €58,915 | €43,505 | €52,522 | €79,315 | €87,246 | ▲ 10.0% |
| Financial income75/76B | - | - | - | €7 | - | €24 | - | - | - |
| Recurring financial income75 | €13,792 | €52 | €34 | €7 | - | €24 | - | - | - |
| Financial charges65/66B | - | - | - | €370 | €1,732 | €1,538 | €2,060 | €1,692 | ▼ 17.9% |
| Recurring financial charges65 | €909 | €622 | €314 | €370 | €1,732 | €1,538 | €2,060 | €1,692 | ▼ 17.9% |
| Profit (loss) for the period before taxes9903 | €34,962 | €12,573 | €58,113 | €58,552 | €41,773 | €51,008 | €77,255 | €85,554 | ▲ 10.7% |
| Income taxes67/77 | €15,166 | €5,056 | - | €3,251 | €11,952 | €45,659 | €16,005 | €27,096 | ▲ 69.3% |
| Profit (loss) for the period9904 | €19,796 | €7,517 | €58,113 | €55,301 | €29,821 | €5,350 | €61,249 | €58,457 | ▼ 4.6% |
| Profit (loss) for the period to be appropriated9905 | €19,796 | €7,517 | €58,113 | €55,301 | €29,821 | €5,350 | €61,249 | €58,457 | ▼ 4.6% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €318,695 | €290,625 | €343,395 | €366,463 | €403,062 | €398,349 | €329,360 | €363,204 | ▲ 10.3% |
| Fixed assets21/28 | €40,907 | €42,926 | €23,694 | €22,791 | €36,349 | €93,345 | €83,005 | €67,622 | ▼ 18.5% |
| Tangible fixed assets22/27 | €35,414 | €37,433 | €18,201 | €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 | €5,493 | €5,493 | €5,493 | = |
| Current assets29/58 | €277,788 | €247,699 | €319,701 | €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 | €41,113 | €111,954 | €179,197 | €245,450 | €220,000 | €41,308 | €1,137 | €20,330 | ▲ 18× |
| Other amounts receivable41 | - | - | - | €245,450 | €220,000 | €41,308 | €1,137 | €20,330 | ▲ 18× |
| Cash at bank and in hand54/58 | €102,275 | €20,545 | €44,115 | €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 | €318,695 | €290,625 | €343,395 | €366,463 | €403,062 | €398,349 | €329,360 | €363,204 | ▲ 10.3% |
| Equity10/15 | €237,387 | €244,904 | €280,017 | €335,319 | €365,140 | €324,731 | €257,409 | €315,866 | ▲ 22.7% |
| Contributions10/11 | €90,000 | €90,000 | €90,000 | €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 | €23,152 | €23,152 | €23,152 | €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 | €124,235 | €131,752 | €166,865 | €162,166 | €81,988 | €151,579 | €24,257 | €82,714 | ▲ 241% |
| Provisions and deferred taxes16 | - | - | €19,000 | €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 | €81,308 | €45,721 | €44,377 | €12,144 | €18,922 | €73,618 | €71,951 | €47,337 | ▼ 34.2% |
| Amounts payable after more than one year17 | €17,583 | €9,516 | €9,516 | - | - | €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 | €63,725 | €36,205 | €34,381 | €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 | €23,886 | €5,971 | €1,194 | €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 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €19,796 | €7,517 | €58,113 | €55,301 | €29,821 | €5,350 | €61,249 | €58,457 | ▼ 4.6% |
| + Depreciation and write-downs630 | €15,572 | €902 | €15,864 | €902 | €902 | €7,004 | €15,383 | €15,383 | = |
| Operating cash flow (approximation) | €35,368 | €8,419 | €73,978 | €56,203 | €30,723 | €12,354 | €76,632 | €73,840 | ▼ 3.6% |
| Investment in fixed assets (approximation) | - | -€2,921 | €3,368 | €0 | -€14,460 | -€64,001 | -€5,042 | €0 | - |
| Change in cash | - | -€81,730 | €23,570 | -€22,694 | €67,691 | -€13,661 | €566 | €49,233 | ▲ 87× |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 30 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 31-08-2026 | 2026-00468595 |
| 31-12-2024 | micro format | 30-09-2025 | 2025-00515233 |
| 31-12-2023 | micro format | 09-10-2024 | 2024-00501234 |
| 31-12-2022 | micro format | 29-08-2023 | 2023-00431421 |
| 31-12-2021 | micro format | 31-08-2022 | 2022-20403683 |
| 31-12-2020 | micro format | 25-10-2021 | 2021-72800345 |
| 31-12-2019 | micro format | 31-08-2020 | 2020-50300003 |
| 31-12-2018 | micro format | 29-08-2019 | 2019-56100117 |
| 31-12-2017 | micro format | 31-08-2018 | 2018-58700096 |
| 31-12-2016 | full format | 30-08-2017 | 2017-54300339 |
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Of the 4,607 active companies whose main activity is insurance agents and brokers (NACE 66220), figures are known for 3,220. 2,709 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.