Summary
FIVE AND ONE 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 €5.7m and a net result of €58,487. Equity remains stable across the filed fiscal years (±0.6% per year). Its solvency ranks better than 89% of 5593 sector peers (fiscal year 2025). The company has been active since 1993 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 · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 04-02-2026, 85 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
85 d early
2024
56 d early
2023
36 d early
2022
34 d early
2021
50 d early
2020
53 d early
2019
45 d early
← 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 51 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 11 March (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 close30-09-2026 today30-04-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€5.7m▼ 1.2%
2024 · €5.7m
Net result
€58,487▼ 15.2%
2024 · €68,938
Total assets
€6.1m▼ 1.4%
2024 · €6.1m
Solvency
93.8%▲ 0.2pp
2024 · 93.7%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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
Operating result€24,516▲ 24.5%-€10,778€9,825€26,591▲ 171%€22,720▼ 14.6%
Net result€52,180within the sector's middle half▼ 19.6%€13,224within the sector's middle half▼ 74.7%€50,279within the sector's middle half▲ 280%€68,938within the sector's middle half▲ 37.1%€58,487within the sector's middle half▼ 15.2%
Equity€5.7mabove the sector's middle half▼ 2.7%€5.7mabove the sector's middle half▼ 0.5%€5.7mabove the sector's middle half▲ 0.9%€5.7mabove the sector's middle half▲ 0.3%€5.7mabove the sector's middle half▼ 1.2%
Total assets€6.1mabove the sector's middle half▲ 0.1%€6.1mabove the sector's middle half=€6.1mabove the sector's middle half▲ 0.4%€6.1mabove the sector's middle half▼ 0.1%€6.1mabove the sector's middle half▼ 1.4%
Debt€410,026▲ 68.7%€440,353▲ 7.4%€411,521▼ 6.5%€388,598▼ 5.6%€373,855▼ 3.8%
Working capital-€201,964below the sector's middle half▼ 371%-€221,402below the sector's middle half▼ 9.6%-€163,562within the sector's middle half▲ 26.1%-€138,949within the sector's middle half▲ 15.0%-€219,678below the sector's middle half▼ 58.1%
Solvency93.3%above the sector's middle half▼ 2.7pp92.8%above the sector's middle half▼ 0.5pp93.3%above the sector's middle half▲ 0.5pp93.7%above the sector's middle half▲ 0.4pp93.8%above the sector's middle half▲ 0.2pp
Current ratio0.51within the sector's middle half▼ 0.320.48within the sector's middle half▼ 0.020.58within the sector's middle half▲ 0.100.61within the sector's middle half▲ 0.030.38within the sector's middle half▼ 0.23
Return on assets (ROA)0.9%within the sector's middle half▼ 0.2pp0.2%below the sector's middle half▼ 0.6pp0.8%within the sector's middle half▲ 0.6pp1.1%within the sector's middle half▲ 0.3pp1.0%within the sector's middle half▼ 0.2pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 15% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.1m
Fixed assets
€5.9m =
Current assets
€135,834 ▼ 38.8%
Equity and liabilities €6.1m
Equity
€5.7m ▼ 1.2%
Debt
€373,855 ▼ 3.8%
Debt's share of the balance-sheet total falls from 6.3% to 6.2%. Equity and debt are lower.
Key figures and ratios
ROE
1.0%▼
2024 · 1.2%
Debt ≤ 1 year
€355,512▼
2024 · €360,750
Income taxes
€5,850▼
2024 · €6,894
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 |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | - | €930 | €1,022 | €1,172 | €1,037 | ▼ 11.6% |
| Gross operating margin9900 | €25,446 | -€9,848 | €10,847 | €27,763 | €23,757 | ▼ 14.4% |
| Operating profit (loss)9901 | €24,516 | -€10,778 | €9,825 | €26,591 | €22,720 | ▼ 14.6% |
| Financial income75/76B | - | €42,000 | €64,743 | €74,728 | €60,005 | ▼ 19.7% |
| Recurring financial income75 | €42,300 | €42,000 | €64,743 | €74,728 | €60,005 | ▼ 19.7% |
| Financial charges65/66B | - | €11,017 | €19,261 | €25,488 | €18,388 | ▼ 27.9% |
| Recurring financial charges65 | €8,147 | €11,017 | €19,261 | €25,488 | €18,388 | ▼ 27.9% |
| Profit (loss) for the period before taxes9903 | €58,668 | €20,205 | €55,307 | €75,832 | €64,337 | ▼ 15.2% |
| Income taxes67/77 | €6,489 | €6,981 | €5,028 | €6,894 | €5,850 | ▼ 15.1% |
| Profit (loss) for the period9904 | €52,180 | €13,224 | €50,279 | €68,938 | €58,487 | ▼ 15.2% |
| Profit (loss) for the period to be appropriated9905 | €52,180 | €13,224 | €50,279 | €68,938 | €58,487 | ▼ 15.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €6.1m | €6.1m | €6.1m | €6.1m | €6.1m | ▼ 1.4% |
| Fixed assets21/28 | €5.9m | €5.9m | €5.9m | €5.9m | €5.9m | = |
| Financial fixed assets28 | €5.9m | €5.9m | €5.9m | €5.9m | €5.9m | = |
| Current assets29/58 | €207,132 | €207,297 | €228,744 | €221,801 | €135,834 | ▼ 38.8% |
| Amounts receivable within one year40/41 | €10,890 | €0 | €2,963 | €0 | - | - |
| Trade receivables40 | - | €0 | - | - | - | - |
| Other amounts receivable41 | - | - | €2,963 | €0 | - | - |
| Current investments50/53 | €100,000 | €100,000 | €67,458 | €33,765 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €96,242 | €107,297 | €158,323 | €187,519 | €135,596 | ▼ 27.7% |
| Deferred charges and accrued income490/1 | - | - | - | €518 | €238 | ▼ 54.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €6.1m | €6.1m | €6.1m | €6.1m | €6.1m | ▼ 1.4% |
| Equity10/15 | €5.7m | €5.7m | €5.7m | €5.7m | €5.7m | ▼ 1.2% |
| Contributions10/11 | - | €5.3m | €5.3m | €5.3m | €5.3m | = |
| Reserves13 | €285,298 | €255,136 | €305,415 | €321,395 | €250,171 | ▼ 22.2% |
| Non-distributable reserves130/1 | - | €22,930 | €22,930 | €0 | - | - |
| Reserves not available under the articles1311 | - | €22,930 | €22,930 | €0 | - | - |
| Distributable reserves133 | - | €232,206 | €282,485 | €321,395 | €250,171 | ▼ 22.2% |
| Profit (loss) carried forward14 | €107,970 | €107,970 | €107,970 | €107,970 | €107,970 | = |
| Amounts payable17/49 | €410,026 | €440,353 | €411,521 | €388,598 | €373,855 | ▼ 3.8% |
| Amounts payable within one year42/48 | €409,096 | €428,700 | €392,306 | €360,750 | €355,512 | ▼ 1.5% |
| Trade debts44 | €1,258 | €191 | €6,012 | €3,393 | €1,030 | ▼ 69.7% |
| Suppliers440/4 | - | €191 | €6,012 | €3,393 | €1,030 | ▼ 69.7% |
| Taxes, remuneration and social security45 | - | €2,083 | €4,531 | €8,555 | €7,739 | ▼ 9.5% |
| Taxes450/3 | - | €2,083 | €4,531 | €8,555 | €7,739 | ▼ 9.5% |
| Other amounts payable47/48 | - | €426,425 | €381,763 | €348,802 | €346,744 | ▼ 0.6% |
| Accrued charges and deferred income492/3 | - | €11,654 | €19,215 | €27,849 | €18,343 | ▼ 34.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €52,180 | €13,224 | €50,279 | €68,938 | €58,487 | ▼ 15.2% |
| Operating cash flow (approximation) | €52,180 | €13,224 | €50,279 | €68,938 | €58,487 | ▼ 15.2% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €11,056 | €51,026 | €29,195 | -€51,922 | ▼ 278% |
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
04-02
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
05-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Highest result since 2018net €68,938 ▲37.1%
Operating result €26,591, net result €68,938, both a record.
25-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
27-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
Financial
Weakest financial yearnet €13,224 ▼74.7%
Net result drops to €13,224, the lowest in the series; recovery starts the following year.
11-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
08-03
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
16-03
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
27-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
07-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
04-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Hasselt · 1 establishment unit since 1993
Ground area
689 m²
Building footprint
95 m²
Volume, LiDAR
683 m³
Parcel 71327G0402/00E002, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
FIVE AND ONE BVBA
since 19932.061.633.644
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71327G0402/00E002 | Flanders | 689 m² | 1 · 95 m² | 9.2 m · 2 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.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 30-09-2025 list no shareholders, and no other source names one.
Holdings 1
-
33.33%
According to the annual accounts to 30-09-2025 of FIVE AND ONE and those 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.
Recognitions · licences · registrations
Legal Entity Identifier
967600UUMUHX9BKWK664
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,805. 7,743 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
Founded23-03-1993
Fiscal year end30-09
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0449703975
Also
9925:BE0449703975
Registered
16-07-2026
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.