Equity
FINESSMO has made a profit in every financial year since 2006.
FINESSMO has made a profit in every financial year since 2006.
Ten of the last ten came late. The 2019 accounts came latest: 91 days after the end of the period.
Higher solvency than 95% of companies in auxiliary financial services. Sector median 50.6% · 3,347 companies.
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
| Company | ||||
|---|---|---|---|---|
| FINESSMO Mortsel | €794,649 | €256,484 | 97.3% | - |
| B TO B Nivelles | €848,117 | €268,915 | 5.7% | 3.2 |
| KANTOOR GILLIS - BUYSSENS Moorslede | €749,583 | €262,465 | 88.7% | - |
| CHRIS VAN OLMEN Ranst | €734,648 | €237,999 | 95.2% | - |
| aldibo Antwerp | €802,324 | €273,611 | 30.4% | - |
| M & B ZAKENKANTOOR Essen | €771,593 | €319,128 | 87.7% | 0.5 |
| TAMAFIN Antwerp | €913,699 | €321,269 | 36.8% | 3 |
These companies have the same main activity as FINESSMO: agents and brokers in banking services (NACE 66191). They are comparable in size and age: total assets between €735,000 and €914,000, founded between 1999 and 2008.
FINESSMO files the micro format. That format states no turnover. The gross margin rose from €93,814 in 2006 to €256,484 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Higher than 95% of 3,347 companies in 2025.
Higher than 67% of 3,288 companies in 2025.
Net result: top quarter · Equity: top quarter · Balance sheet total: top quarter
Staff costs divided by the average number of full-time equivalents.
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Balance sheet: assets | |||||||||||||||||||||
20/58 |
794,649 | 656,053 | 641,578 | 625,224 | 496,241 | 421,434 | 378,109 | 377,415 | 332,905 | 350,216 | 363,040 | 258,102 | 280,000 | 247,934 | 229,084 | 279,554 | 234,888 | 220,260 | 171,510 | 127,928 | |
21/28 |
8,291 | 11,060 | 2,920 | 5,660 | 7,756 | - | - | 311 | 621 | 932 | 1,242 | 1,553 | 3,622 | 10,967 | 18,468 | 27,324 | 33,399 | 41,753 | 51,623 | 56,298 | |
22/27 |
8,291 | 11,060 | 2,920 | 5,660 | 7,756 | - | - | 311 | 621 | 932 | 1,242 | 1,553 | 3,622 | 10,967 | 18,468 | 27,324 | 33,399 | 41,753 | 51,623 | 56,298 | |
23 |
0 | 0 | - | - | - | - | - | - | - | - | - | - | 1,303 | 6,516 | 11,729 | 17,822 | 23,916 | 30,260 | 37,358 | 40,053 | |
24 |
8,291 | 11,060 | 2,920 | 5,660 | 7,756 | - | - | 311 | 621 | 932 | 1,242 | 1,553 | 2,319 | 4,451 | 6,739 | 9,502 | 9,484 | 11,493 | 14,266 | 16,246 | |
29/58 |
786,358 | 644,993 | 638,657 | 619,563 | 488,485 | 421,434 | 378,109 | 377,104 | 332,284 | 349,285 | 361,798 | 256,549 | 276,379 | 236,967 | 210,616 | 252,230 | 201,489 | 178,507 | 119,887 | 71,630 | |
40/41 |
- | 5,682 | 12,757 | 7,481 | 2,021 | 13,611 | 21,133 | 9,543 | - | 18,374 | 1,220 | 5,541 | 11,662 | 3,289 | 1,728 | 40,446 | 5,836 | 5,836 | 7,672 | 3,086 | |
40 |
- | 51 | - | 355 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
41 |
- | 5,631 | 12,757 | 7,126 | 2,021 | 13,611 | 21,133 | 9,543 | - | 18,374 | 1,220 | 5,541 | 11,662 | 3,289 | 1,728 | 40,446 | 5,836 | 5,836 | 7,672 | 3,086 | |
50/53 |
682,850 | 602,821 | 602,656 | 532,648 | 413,246 | 333,140 | 264,047 | 273,946 | 166,383 | 316,355 | 357,789 | 247,151 | 243,723 | 219,109 | 202,867 | 117,118 | 77,069 | 74,433 | 4,348 | 4,275 | |
54/58 |
103,016 | 35,907 | 22,627 | 78,880 | 72,686 | 74,330 | 92,928 | 93,518 | 165,901 | 14,555 | 2,788 | 3,672 | 20,993 | 14,568 | 6,021 | 94,666 | 118,584 | 98,238 | 107,867 | 64,269 | |
490/1 |
492 | 583 | 617 | 554 | 533 | 354 | - | 98 | - | - | - | 186 | - | - | - | - | - | - | - | - | |
| Balance sheet: equity and liabilities | |||||||||||||||||||||
10/49 |
794,649 | 656,053 | 641,578 | 625,224 | 496,241 | 421,434 | 378,109 | 377,415 | 332,905 | 350,216 | 363,040 | 258,102 | 280,000 | 247,934 | 229,084 | 279,554 | 234,888 | 220,260 | 171,510 | 127,928 | |
10/15 |
773,186 | 636,961 | 632,741 | 617,112 | 479,105 | 415,067 | 366,058 | 363,732 | 322,576 | 344,557 | 343,189 | 252,453 | 206,617 | 222,873 | 221,146 | 256,900 | 202,659 | 157,540 | 124,640 | 68,558 | |
10/11 |
18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 175,817 | 175,817 | 175,817 | 175,817 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 6,200 | 6,200 | |
100 |
- | - | - | - | - | - | 18,600 | 18,600 | 18,600 | 175,817 | 175,817 | 175,817 | 175,817 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | |
101 |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 12,400 | 12,400 | |
11 |
- | - | 18,600 | 18,600 | 18,600 | 18,600 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
1109/19 |
- | - | 18,600 | 18,600 | 18,600 | 18,600 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
13 |
754,586 | 618,361 | 614,141 | 598,512 | 460,505 | 396,467 | 347,458 | 345,132 | 303,976 | 168,739 | 167,372 | 76,636 | 30,799 | 204,273 | 202,546 | 238,300 | 184,059 | 138,940 | 118,440 | 62,358 | |
130/1 |
- | - | 17,582 | 17,582 | 17,582 | 17,582 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
130 |
- | - | - | - | - | - | 17,582 | 17,582 | 17,582 | 21,950 | 20,582 | 5,530 | 3,000 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | |
1311 |
- | - | 17,582 | - | - | 17,582 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
1319 |
- | - | - | 17,582 | 17,582 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
132 |
- | - | - | - | - | - | - | - | - | - | 26,000 | 26,000 | 26,000 | 26,000 | 26,000 | 26,000 | - | - | - | - | |
133 |
754,586 | 618,361 | 596,559 | 580,931 | 442,924 | 378,885 | 329,876 | 327,550 | 286,394 | 146,789 | 120,790 | 45,106 | 1,799 | 176,413 | 174,686 | 210,440 | 182,199 | 137,080 | 116,580 | 60,498 | |
17/49 |
21,463 | 19,092 | 8,837 | 8,111 | 17,136 | 6,367 | 12,051 | 13,683 | 10,329 | 5,660 | 19,851 | 5,649 | 73,384 | 25,061 | 7,938 | 22,654 | 32,229 | 62,720 | 46,870 | 59,370 | |
17 |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 1,954 | 13,397 | 24,403 | 34,994 | 45,183 | |
170/4 |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 1,954 | 13,397 | 24,403 | 34,994 | 45,183 | |
42/48 |
21,463 | 19,092 | 8,837 | 8,111 | 17,136 | 6,367 | 12,051 | 13,683 | 10,329 | 5,660 | 19,851 | 5,649 | 73,384 | 25,061 | 7,938 | 20,700 | 18,832 | 38,317 | 11,876 | 14,187 | |
42 |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | 1,951 | 11,443 | 11,006 | 10,591 | 10,189 | 9,802 | |
44 |
1,633 | 98 | 1,110 | 1,446 | 603 | 445 | 6,280 | 5,836 | 2,384 | - | 14,283 | 83 | 2,164 | 754 | 715 | 245 | 1,554 | 25,492 | 1,687 | 4,385 | |
440/4 |
1,633 | 98 | 1,110 | 1,446 | 603 | 445 | 6,280 | 5,836 | 2,384 | - | 14,283 | 83 | 2,164 | 754 | 715 | 245 | 1,554 | 25,492 | 1,687 | 4,385 | |
45 |
19,830 | 18,994 | 7,727 | 6,665 | 16,533 | 5,817 | 5,771 | 7,412 | 7,651 | 5,606 | 5,568 | 5,566 | 22,220 | 4,307 | 4,162 | 2,012 | 6,272 | 2,234 | - | - | |
450/3 |
11,708 | 11,153 | - | - | 10,615 | - | - | - | 340 | - | - | - | 17,469 | - | - | - | - | - | - | - | |
454/9 |
8,122 | 7,841 | 7,727 | 6,665 | 5,919 | 5,817 | 5,771 | 7,412 | 7,311 | 5,606 | 5,568 | 5,566 | 4,751 | 4,307 | 4,162 | 2,012 | 6,272 | 2,234 | - | - | |
47/48 |
- | - | - | - | - | 105 | - | 434 | 294 | 54 | - | - | 49,000 | 20,000 | 1,111 | 7,000 | - | - | - | - | |
| Income statement | |||||||||||||||||||||
9900 |
256,484 | 254,655 | 241,825 | 247,565 | 148,744 | 123,959 | 95,513 | 118,134 | 142,820 | 90,820 | 133,981 | 100,686 | 67,748 | 68,842 | 66,967 | 61,386 | 72,526 | 38,137 | 95,379 | 93,814 | |
60/61 |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 226,326 | 139,848 | |
62 |
70,109 | 67,650 | 66,588 | 58,374 | 51,144 | 50,432 | 49,915 | 49,303 | 48,224 | 47,084 | 47,023 | 47,552 | 39,927 | 36,468 | 32,042 | 15,263 | - | - | - | - | |
630 |
4,775 | 2,861 | 2,740 | 2,666 | 1,111 | - | 311 | 311 | 311 | 311 | 311 | 2,069 | 7,345 | 7,500 | 8,857 | 9,180 | 9,972 | 10,300 | 10,372 | 9,168 | |
640/8 |
2,116 | 2,057 | 1,838 | 2,422 | 1,750 | 1,788 | 6,133 | 1,453 | 617 | 39,790 | 785 | 6,005 | 1,250 | 700 | 757 | 479 | 208 | 2,715 | 220 | 205 | |
66A |
- | - | - | - | - | - | - | - | - | - | - | - | - | 0 | 2 | 0 | - | - | - | - | |
9901 |
179,484 | 182,088 | 170,660 | 184,104 | 94,738 | 71,740 | 39,154 | 67,068 | 93,668 | 3,635 | 85,862 | 45,060 | 19,226 | 24,175 | 25,311 | 36,464 | 62,347 | 25,123 | 84,788 | 84,441 | |
75/76B |
19,709 | 23,378 | 6,421 | 17,665 | 2,819 | 3,312 | 7,427 | 11,287 | 116,534 | 8,784 | 52,697 | 24,411 | 11,175 | 9,198 | 8,179 | 16,834 | 7,298 | 3,931 | 692 | 353 | |
75 |
19,709 | 23,378 | 6,421 | 17,665 | 2,819 | 3,312 | 7,427 | 11,287 | 116,534 | 8,784 | 52,697 | 24,411 | 11,175 | 9,198 | 8,179 | 16,834 | 7,298 | 3,931 | 692 | 353 | |
65/66B |
895 | 150 | 885 | 178 | 1,802 | 1,897 | 27,742 | 7,980 | 34,570 | 1,917 | 3,080 | 754 | 1,088 | 686 | 4,341 | 1,651 | 2,158 | 1,908 | 1,966 | 2,350 | |
65 |
895 | 150 | 885 | 178 | 1,802 | 1,897 | 27,742 | 7,980 | 34,570 | 1,917 | 3,080 | 754 | 1,088 | 686 | 4,341 | 1,651 | 2,158 | 1,908 | 1,966 | 2,350 | |
9903 |
198,297 | 205,315 | 176,196 | 201,592 | 95,755 | 73,155 | 18,838 | 70,374 | 175,631 | 10,502 | 135,479 | 68,717 | 29,313 | 32,686 | 29,147 | 51,647 | 67,486 | 27,146 | 83,513 | 82,445 | |
67/77 |
62,072 | 63,657 | 56,716 | 63,585 | 31,716 | 24,146 | 16,513 | 29,218 | 38,193 | 9,135 | 44,743 | 22,880 | 9,102 | 10,959 | 17,901 | 16,406 | 22,367 | 7,254 | 27,431 | 25,967 | |
9904 |
136,226 | 141,658 | 119,479 | 138,007 | 64,039 | 49,009 | 2,326 | 41,156 | 137,438 | 1,367 | 90,737 | 45,836 | 20,212 | 21,728 | 11,246 | 35,241 | 45,119 | 19,892 | 56,082 | 56,478 | |
789 |
- | - | - | - | - | - | - | - | - | 26,000 | - | - | 174,686 | - | - | - | - | - | - | - | |
9905 |
136,226 | 141,658 | 119,479 | 138,007 | 64,039 | 49,009 | 2,326 | 41,156 | 137,438 | 27,367 | 90,737 | 45,836 | 194,898 | 21,728 | 11,246 | 35,241 | 45,119 | 19,892 | 56,082 | 56,478 | |
| Appropriation of the result | |||||||||||||||||||||
9906 |
136,226 | 141,658 | 119,479 | 138,007 | 64,039 | 49,009 | 2,326 | 41,156 | 137,438 | 27,367 | 90,737 | 45,836 | 194,898 | 21,728 | 11,246 | 35,241 | 45,119 | 19,892 | 56,082 | 56,478 | |
791/2 |
- | 137,438 | 103,851 | - | - | - | - | - | - | - | - | - | - | - | 35,754 | - | - | - | - | - | |
691/2 |
136,226 | 141,658 | 119,479 | 138,007 | 64,039 | 49,009 | 2,326 | 41,156 | 137,438 | 27,367 | 90,737 | 45,836 | 1,212 | 1,728 | - | 28,241 | 45,119 | 19,892 | 56,082 | 56,478 | |
6920 |
- | - | - | - | - | - | - | - | - | 1,368 | 15,052 | 2,530 | 1,140 | - | - | - | - | - | - | 1,566 | |
6921 |
136,226 | 141,658 | 119,479 | 138,007 | 64,039 | 49,009 | 2,326 | 41,156 | 137,438 | 25,999 | 75,685 | 43,306 | 72 | 1,728 | - | 28,241 | 45,119 | 19,892 | 56,082 | 54,912 | |
694/7 |
- | 137,438 | 103,851 | - | - | - | - | - | - | - | - | - | 193,686 | 20,000 | 47,000 | 7,000 | - | - | - | - | |
694 |
- | 137,438 | 103,851 | - | - | - | - | - | - | - | - | - | 193,686 | 20,000 | 47,000 | 7,000 | - | - | - | - | |
| Social balance sheet | |||||||||||||||||||||
9087 |
1 | 1 | 1 | 1 | 0.8 | 0.8 | 0.8 | 0.8 | 0.8 | 0.8 | 0.8 | 0.8 | 0.7 | 0.6 | 0.5 | 0.3 | - | - | - | - | |
Hours worked1013 |
1,379 | 1,393 | 1,371 | 1,380 | 1,382 | 1,401 | 1,391 | 1,385 | 1,389 | 1,387 | 1,383 | 1,396 | 1,199 | 1,107 | 1,112 | 555 | - | - | - | - | |
| Document | |||||||||||||||||||||
The accounts for financial year 2005 were filed as a document without figures as data, a scan for example.
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 30-08-2026.
2025 annual accounts filed 30 days after the deadline. Filed on 30 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00454649.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 30-08-2026 | 2026-00454649 | |
| 31-12-2024 | micro format | 31-08-2025 | 2025-00453791 | |
| 31-12-2023 | micro format | 31-08-2024 | 2024-00445622 | |
| 31-12-2022 | micro format | 30-09-2023 | 2023-00462833 | |
| 31-12-2021 | micro format | 31-08-2022 | 2022-20369329 | |
| 31-12-2020 | micro format | 31-08-2021 | 2021-64600153 | |
| 31-12-2019 | micro format | 30-10-2020 | 2020-68100378 | |
| 31-12-2018 | micro format | 29-08-2019 | 2019-61000159 | |
| 31-12-2017 | micro format | 30-09-2018 | 2018-67400180 | |
| 31-12-2016 | micro format | 31-08-2017 | 2017-57000097 | |
| 31-12-2015 | abbreviated format | 30-09-2016 | 2016-63000068 | |
| 31-12-2014 | abbreviated format | 30-11-2015 | 2015-68100072 | |
| 31-12-2013 | abbreviated format | 31-10-2014 | 2014-66500548 | |
| 31-12-2012 | abbreviated format | 30-09-2013 | 2013-61100492 | |
| 31-12-2011 | abbreviated format | 30-08-2012 | 2012-52000315 | |
| 31-12-2010 | abbreviated format | 09-01-2012 | 2012-00500093 | |
| 31-12-2009 | abbreviated format | 28-10-2010 | 2010-59000432 | |
| 31-12-2008 | abbreviated format | 04-11-2009 | 2009-84900043 | |
| 31-12-2007 | abbreviated format | 28-08-2008 | 2008-69100174 | |
| 31-12-2006 | abbreviated format | 24-08-2007 | 2007-61700356 | |
| 31-12-2005 | abbreviated format | 04-12-2006 | 2006-89700786 |
| Year | Entries | Awarded | Paid |
|---|---|---|---|
| 2025 | 1 | €97 | €97 |
| 2024 | 1 | €94 | €94 |
| 2023 | 1 | €85 | €85 |
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2,006 | 11,000 | 0 | 570 | 8,867 | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3,105 | 1,618 | 429 | 5,697 | 3,163 | ||
| 67,109 | 13,280 | -56,253 | 6,194 | -1,644 | -18,598 | -589 | -72,384 | 151,346 | 11,767 | -883 | -17,322 | 6,425 | 8,548 | -88,645 | -23,918 | 20,346 | -9,629 | 43,599 | - | ||
| 97.3% | 97.1% | 98.6% | 98.7% | 96.5% | 98.5% | 96.8% | 96.4% | 96.9% | 98.4% | 94.5% | 97.8% | 73.8% | 89.9% | 96.5% | 91.9% | 86.3% | 71.5% | 72.7% | 53.6% | ||
| 17.6% | 22.2% | 18.9% | 22.4% | 13.4% | 11.8% | 0.6% | 11.3% | 42.6% | 0.4% | 26.4% | 18.2% | 9.8% | 9.7% | 5.1% | 13.7% | 22.3% | 12.6% | 45.0% | 82.4% | ||
| 17.1% | 21.6% | 18.6% | 22.1% | 12.9% | 11.6% | 0.6% | 10.9% | 41.3% | 0.4% | 25.0% | 17.8% | 7.2% | 8.8% | 4.9% | 12.6% | 19.2% | 9.0% | 32.7% | 44.1% |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
| Item | 31-12-2025 | 31-12-2024 | 31-12-2023 | 31-12-2022 | 31-12-2021 |
|---|---|---|---|---|---|
| Employees at the balance-sheet date | 1 | 1 | 1 | 1 | 1 |
| part-time | 1 | 1 | 1 | 1 | 1 |
| in full-time equivalents | 0.8 | 0.8 | 0.8 | 0.8 | 0.8 |
| 0.8 | 0.8 | 0.8 | 0.8 | 0.8 | |
| On a permanent contract | 1 | 1 | 1 | - | 1 |
Source: social balance sheet in the 2021 to 2025 annual accounts
| Item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Tangible fixed assets | €2,006 | €11,000 | - | €570 | €8,867 |
| €4,775 | €2,861 | €2,740 | €2,666 | €1,111 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
The operating result for 2025 is 1% lower than in 2024.
Debt's share of the balance-sheet total falls from 2.9% to 2.7%. Equity and debt are higher.
Algemene vertegenwoordigingsbevoegdheid Iedere bestuurder vertegenwoordigt de vennootschap jegens derden en in rechte als eiser of als verweerder. Ook indien er verschillende bestuurders worden aangesteld, hebben zij het vermogen om ieder afzonderlijk op te treden voor alle handelingen. Aanduiding bijzondere lasthebbers Het bestuursorgaan kan bijzondere lasthebbers van de vennootschap aanstellen. Alleen bijzondere en beperkte volmachten voor bepaalde of voor een reeks van bepaalde rechtshandelingen zijn geoorloofd. De bijzondere lasthebbers verbinden de vennootschap binnen de perken van de hun verleende volmacht, onverminderd de verantwoordelijkheid van het betrokken orgaan in geval van overdreven volmacht. Zij vertegenwoordigen de vennootschap binnen de perken van de bijzondere
FINESSMO has no parent and no holdings in its annual accounts. is the only director. FINESSMO shares no director with another company.
Deadline for the 2026 accounts: 31-07-2027
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
| Establishment | Since | Unit number |
|---|---|---|
| Floralaan 81 registered office 2640 Mortsel | ||
| Reyniers & Van Wezenbeeck Floralaan 79, 2640 Mortsel | 01-09-2004 | 2.138.987.184 |
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 11513C0253/00P005 | 249 m² | 1 · 249 m² | 15.1 m · 2 |
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