Summary
FINVADI is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €76,756 and a net result of €195. Equity is growing by ~39.5% per year across the filed fiscal years. Its solvency ranks better than 33% of 3318 sector peers (fiscal year 2024). The company has been active since 2017 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 31-12-2024 was due by 31-07-2025 and was filed on 22-08-2025, 22 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 · 7 filingsDeviation from the deadline
2025
not confirmed
2024
22 d late
2023
85 d late
2022
on the day
2021
29 d late
2020
27 d late
2019
16 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 25 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
€76,756▲ 0.3%
2023 · €76,561
Net result
€195▼ 96.9%
2023 · €6,330
Total assets
€242,591▲ 19.3%
2023 · €203,314
Solvency
31.6%▼ 6.0pp
2023 · 37.7%
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
Line20202021202220232024
Operating result€27,010▼ 46.7%€24,429▼ 9.6%€42,475▲ 73.9%€22,112▼ 47.9%€11,411▼ 48.4%
Net result€21,971within the sector's middle half▼ 56.6%€15,174within the sector's middle half▼ 30.9%€29,549within the sector's middle half▲ 94.7%€6,330within the sector's middle half▼ 78.6%€195below the sector's middle half▼ 96.9%
Equity€25,508below the sector's middle half▲ 621%€40,682within the sector's middle half▲ 59.5%€70,231within the sector's middle half▲ 72.6%€76,561within the sector's middle half▲ 9.0%€76,756within the sector's middle half▲ 0.3%
Total assets€112,882below the sector's middle half▲ 67.3%€81,066below the sector's middle half▼ 28.2%€94,451below the sector's middle half▲ 16.5%€203,314within the sector's middle half▲ 115%€242,591within the sector's middle half▲ 19.3%
Debt€87,375▲ 36.6%€40,384▼ 53.8%€24,220▼ 40.0%€126,753▲ 423%€165,835▲ 30.8%
Working capital€15,961within the sector's middle half▲ 351%€30,562within the sector's middle half▲ 91.5%€59,641within the sector's middle half▲ 95.1%€32,667within the sector's middle half▼ 45.2%€27,190within the sector's middle half▼ 16.8%
Solvency22.6%within the sector's middle half▲ 17.4pp50.2%within the sector's middle half▲ 27.6pp74.4%above the sector's middle half▲ 24.2pp37.7%within the sector's middle half▼ 36.7pp31.6%within the sector's middle half▼ 6.0pp
Current ratio1.24within the sector's middle half▲ 0.182.14within the sector's middle half▲ 0.904.46above the sector's middle half▲ 2.321.63within the sector's middle half▼ 2.831.26within the sector's middle half▼ 0.37
Return on assets (ROA)19.5%above the sector's middle half▼ 55.5pp18.7%within the sector's middle half▼ 0.7pp31.3%above the sector's middle half▲ 12.6pp3.1%within the sector's middle half▼ 28.2pp0.1%below the sector's middle half▼ 3.0pp
Staff (FTE)1within the sector's middle half=2▲ 100%1.6▼ 20.0%2.4▲ 50.0%2.8▲ 16.7%
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 or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 48% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €242,591
Fixed assets
€110,280 ▼ 7.2%
Current assets
€132,311 ▲ 56.7%
Equity and liabilities €242,591
Equity
€76,756 ▲ 0.3%
Debt
€165,835 ▲ 30.8%
Debt's share of the balance-sheet total rises from 62.3% to 68.4%. Equity and debt are higher.
Key figures and ratios
ROE
0.3%▼
2023 · 8.3%
Debt ≤ 1 year
€105,121▲
2023 · €51,753
Debt > 1 year
€60,714▼
2023 · €75,000
Income taxes
€422▼
2023 · €4,803
Staff costs
€131,599▼
2023 · €154,216
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €99,874 | €92,075 | €154,216 | €131,599 | ▼ 14.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €694 | €6,090 | €6,090 | €5,909 | €8,614 | ▲ 45.8% |
| Other operating charges640/8 | - | €1,256 | €463 | €208 | €62 | ▼ 70.2% |
| Gross operating margin9900 | €84,961 | €131,649 | €141,103 | €182,446 | €151,686 | ▼ 16.9% |
| Operating profit (loss)9901 | €27,010 | €24,429 | €42,475 | €22,112 | €11,411 | ▼ 48.4% |
| Recurring financial income75 | €0 | - | - | - | - | - |
| Financial charges65/66B | - | €435 | €396 | €10,979 | €10,795 | ▼ 1.7% |
| Recurring financial charges65 | €519 | €435 | €396 | €7,403 | €10,795 | ▲ 45.8% |
| Non-recurring financial charges66B | - | - | - | €3,576 | - | - |
| Profit (loss) for the period before taxes9903 | €26,491 | €23,994 | €42,079 | €11,133 | €617 | ▼ 94.5% |
| Income taxes67/77 | €4,520 | €8,820 | €12,530 | €4,803 | €422 | ▼ 91.2% |
| Profit (loss) for the period9904 | €21,971 | €15,174 | €29,549 | €6,330 | €195 | ▼ 96.9% |
| Profit (loss) for the period to be appropriated9905 | €21,971 | €15,174 | €29,549 | €6,330 | €195 | ▼ 96.9% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €112,882 | €81,066 | €94,451 | €203,314 | €242,591 | ▲ 19.3% |
| Fixed assets21/28 | €29,755 | €23,666 | €17,576 | €118,894 | €110,280 | ▼ 7.2% |
| Intangible fixed assets21 | - | - | - | €110,200 | €102,467 | ▼ 7.0% |
| Tangible fixed assets22/27 | €29,755 | €23,666 | €17,576 | €8,694 | €7,814 | ▼ 10.1% |
| Plant, machinery and equipment23 | - | - | - | €8,694 | €7,814 | ▼ 10.1% |
| Furniture and vehicles24 | - | €23,666 | €17,576 | - | - | - |
| Current assets29/58 | €83,127 | €57,401 | €76,875 | €84,420 | €132,311 | ▲ 56.7% |
| Amounts receivable within one year40/41 | €75,506 | €51,887 | €40,892 | €48,533 | €131,136 | ▲ 170% |
| Trade receivables40 | - | €50,707 | €40,892 | €43,336 | €56,361 | ▲ 30.1% |
| Other amounts receivable41 | - | €1,180 | - | €5,197 | €74,775 | ▲ 1,339% |
| Cash at bank and in hand54/58 | €7,621 | €5,354 | €35,625 | €32,771 | €1,047 | ▼ 96.8% |
| Deferred charges and accrued income490/1 | - | €160 | €358 | €3,115 | €127 | ▼ 95.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €112,882 | €81,066 | €94,451 | €203,314 | €242,591 | ▲ 19.3% |
| Equity10/15 | €25,508 | €40,682 | €70,231 | €76,561 | €76,756 | ▲ 0.3% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Profit (loss) carried forward14 | €6,908 | €22,082 | €51,631 | €57,961 | €58,156 | ▲ 0.3% |
| Amounts payable17/49 | €87,375 | €40,384 | €24,220 | €126,753 | €165,835 | ▲ 30.8% |
| Amounts payable after more than one year17 | €20,209 | €13,545 | €6,809 | €75,000 | €60,714 | ▼ 19.0% |
| Financial debts170/4 | - | €13,545 | €6,809 | €75,000 | €60,714 | ▼ 19.0% |
| Amounts payable within one year42/48 | €67,166 | €26,839 | €17,235 | €51,753 | €105,121 | ▲ 103% |
| Current portion of amounts payable after more than one year42 | - | €6,663 | €6,736 | €21,095 | €23,085 | ▲ 9.4% |
| Financial debts43 | - | €2,512 | €3,348 | €3,416 | €3,354 | ▼ 1.8% |
| Credit institutions430/8 | - | €2,512 | €3,348 | €3,416 | €3,354 | ▼ 1.8% |
| Trade debts44 | €33,904 | €591 | €2,423 | €15,649 | €62,772 | ▲ 301% |
| Suppliers440/4 | - | €591 | €2,423 | €15,649 | €62,772 | ▲ 301% |
| Taxes, remuneration and social security45 | - | €17,072 | €4,727 | €11,593 | €15,909 | ▲ 37.2% |
| Taxes450/3 | - | €11,313 | €2,530 | €2,530 | - | - |
| Remuneration and social security454/9 | - | €5,759 | €2,197 | €9,063 | €15,909 | ▲ 75.5% |
| Accrued charges and deferred income492/3 | - | - | €176 | - | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €21,971 | €15,174 | €29,549 | €6,330 | €195 | ▼ 96.9% |
| + Depreciation and write-downs630 | €694 | €6,090 | €6,090 | €5,909 | €8,614 | ▲ 45.8% |
| Operating cash flow (approximation) | €22,664 | €21,264 | €35,639 | €12,239 | €8,809 | ▼ 28.0% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€107,228 | €0 | ▲ 100% |
| Change in cash | - | -€2,268 | €30,271 | -€2,853 | -€31,724 | ▼ 1,012% |
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
13-07
State Gazette act
Resignation: PEETERS FINANCIAL MANAGEMENT bv (director)Permanent representative: Kris Peeters3 facts ▸
State Gazette act
Resignation: PEETERS FINANCIAL MANAGEMENT bv (director)
Permanent representative: Kris Peeters3 facts ▸
- General meeting, 26-06-2026
- Director resignation, PEETERS FINANCIAL MANAGEMENT bv (director)
- Permanent representative, Kris Peeters (permanent representative)
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
24-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 85 days late
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity doublescurrent ratio 4.46
Current ratio from 2.14 to 4.46; short-term debt falls from €26,839 to €17,235.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
15-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €50,612
Net result €50,612 after one loss-making year.
31-12
Financial
Liquidity times 21current ratio 1.06
Current ratio from 0.05 to 1.06.
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 2 acts read
About the unread acts
Of the 2 Belgian State Gazette acts we know for this company, 1 has been read. The other one has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
no sitting director, last change in 2026
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Not every act has been read: a resignation may be missing here
1 of this company's 2 Belgian State Gazette acts has not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Diepenbeek · 1 establishment unit since 2017
Ground area
2,423 m²
Building footprint
324 m²
Volume, LiDAR
2,884 m³
Parcel 71011B0700/00S000, Flanders · tallest building 15.7 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
FINVADI
since 20172.267.357.677
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71011B0700/00S000 | Flanders | 2,423 m² | 1 · 324 m² | 15.7 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.
Mandate history
1 person since 2026, 0 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| PEETERS FINANCIAL MANAGEMENT |
|
Structure & network
Owners and holdings
2 ownersOwners 2
-
5%
-
4%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 8,325 EUR awarded · 8,325 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 0 EUR | 8,325 EUR |
| 2023 | 1 | 8,325 EUR | 0 EUR |
Schemes
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Of 1,682 companies in sector 66191 we hold annual accounts for 1,230. 999 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
Founded22-08-2017
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0679950697
Also
9925:BE0679950697
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.