FIVE ASSISTANCE
ActiveSummary
FIVE ASSISTANCE has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€81,397) and a net result of €56,077. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 9% of 7598 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability79▲+79
Solvency14▲+5
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.56 against 0.53 in 2024; short-term debt: 111.4% and cash: 0.9% of total assets), and equity is negative.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 7598 sector peers (2025).
NBB · sector comparisonPosition among 7598 sector peers
Solvency
better than 9%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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
30 d late
2024
28 d late
2023
28 d late
2022
8 d late
2021
3 d early
2020
4 d late
2019
6 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 14 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% 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 28 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
€1.1m
EBIT margin
-2.4%
Net result
€56,077
2024 · -€138,542
Working capital
-€353,268▲ 24.7%
2024 · -€468,978
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, 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€1.1m
Operating result€38,266-€28,814-€26,090▲ 9.5%-€128,371▼ 392%€62,232
Net result€24,694within the sector's middle half-€31,898below the sector's middle half-€29,369below the sector's middle half▲ 7.9%-€138,542below the sector's middle half▼ 372%€56,077above the sector's middle half
EBIT margin-2.4%
Equity€62,334within the sector's middle half▲ 65.6%€30,437within the sector's middle half▼ 51.2%€1,068below the sector's middle half▼ 96.5%-€137,475below the sector's middle half-€81,397below the sector's middle half▲ 40.8%
Total assets€451,072above the sector's middle half▲ 278%€272,303within the sector's middle half▼ 39.6%€961,412above the sector's middle half▲ 253%€851,512above the sector's middle half▼ 11.4%€716,533above the sector's middle half▼ 15.9%
Debt€388,738▲ 376%€241,866▼ 37.8%€960,344▲ 297%€988,986▲ 3.0%€797,931▼ 19.3%
Working capital€60,873within the sector's middle half▲ 85.2%€9,277within the sector's middle half▼ 84.8%-€376,364below the sector's middle half-€468,978below the sector's middle half▼ 24.6%-€353,268below the sector's middle half▲ 24.7%
Solvency13.8%below the sector's middle half▼ 17.7pp11.2%below the sector's middle half▼ 2.6pp0.1%below the sector's middle half▼ 11.1pp-16.1%below the sector's middle half▼ 16.3pp-11.4%below the sector's middle half▲ 4.8pp
Current ratio1.16within the sector's middle half▼ 0.251.04below the sector's middle half▼ 0.120.61below the sector's middle half▼ 0.430.53below the sector's middle half▼ 0.080.56below the sector's middle half▲ 0.03
Return on assets (ROA)5.5%within the sector's middle half▲ 6.0pp-11.7%below the sector's middle half▼ 17.2pp-3.1%below the sector's middle half▲ 8.7pp-16.3%below the sector's middle half▼ 13.2pp7.8%within the sector's middle half▲ 24.1pp
Staff (FTE)4.6▲ 76.9%6.8▲ 47.8%6▼ 11.8%
above
within
below
the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €62,232 after a loss of €128,371 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €716,533
Fixed assets
€271,870 ▼ 18.0%
Current assets
€444,663 ▼ 14.5%
Key figures and ratios
EBITDA
€124,280▲
2024 · -€65,731
Cash flow
€118,126▲
2024 · -€75,902
Quick ratio
0.30▲
2024 · 0.10
Debt to equity
-9.80▼
2024 · -7.19
Interest coverage
18.60▲
2024 · -6.60
Debt ≤ 1 year
€797,931▼
2024 · €988,986
Income taxes
€904▼
2024 · €2,347
Staff costs
€5,519▼
2024 · €363,639
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 317 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 92% are still going.
- Small
- 20 years or older
- negative equity
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
4.1%
stopped otherwise
92%
still going
A further 2.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 317 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | - | - | €1.1m | - | - | - |
| Non-recurring operating income76A | - | - | - | - | €14,745 | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | €730,270 | - | - | - |
| Remuneration, social security and pensions62 | €248,704 | €325,878 | €342,694 | €363,639 | €5,519 | ▼ 98.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,222 | €5,513 | €21,057 | €62,640 | €62,048 | ▼ 0.9% |
| Other operating charges640/8 | €2,679 | €3,757 | €4,746 | €2,930 | €4,939 | ▲ 68.6% |
| Gross operating margin9900 | €291,872 | €306,335 | €342,407 | €300,838 | €134,738 | ▼ 55.2% |
| Operating profit (loss)9901 | €38,266 | -€28,814 | -€26,090 | -€128,371 | €62,232 | ▲ 148% |
| Financial income75/76B | €0 | €369 | €4,636 | €2,138 | €1,431 | ▼ 33.1% |
| Recurring financial income75 | €0 | €369 | €4,636 | €2,138 | €1,431 | ▼ 33.1% |
| Financial charges65/66B | €1,757 | €2,862 | €6,522 | €9,963 | €6,682 | ▼ 32.9% |
| Recurring financial charges65 | €1,757 | €2,862 | €6,522 | €9,963 | €6,682 | ▼ 32.9% |
| Profit (loss) for the period before taxes9903 | €36,510 | -€31,307 | -€27,977 | -€136,195 | €56,981 | ▲ 142% |
| Income taxes67/77 | €11,816 | €591 | €1,392 | €2,347 | €904 | ▼ 61.5% |
| Profit (loss) for the period9904 | €24,694 | -€31,898 | -€29,369 | -€138,542 | €56,077 | ▲ 140% |
| Profit (loss) for the period to be appropriated9905 | €24,694 | -€31,898 | -€29,369 | -€138,542 | €56,077 | ▲ 140% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €451,072 | €272,303 | €961,412 | €851,512 | €716,533 | ▼ 15.9% |
| Fixed assets21/28 | €3,641 | €31,128 | €379,969 | €331,503 | €271,870 | ▼ 18.0% |
| Intangible fixed assets21 | - | - | €294,500 | €250,857 | €207,214 | ▼ 17.4% |
| Tangible fixed assets22/27 | €2,891 | €30,378 | €84,605 | €79,782 | €64,656 | ▼ 19.0% |
| Plant, machinery and equipment23 | €586 | €23,155 | €20,451 | €16,567 | €12,657 | ▼ 23.6% |
| Furniture and vehicles24 | €2,306 | €7,224 | €64,154 | €63,215 | €51,999 | ▼ 17.7% |
| Financial fixed assets28 | €750 | €750 | €864 | €864 | - | - |
| Current assets29/58 | €447,431 | €241,175 | €581,443 | €520,009 | €444,663 | ▼ 14.5% |
| Stocks and contracts in progress3 | €65,649 | €64,777 | €456,456 | €418,281 | €205,987 | ▼ 50.8% |
| Stocks30/36 | - | - | €184,935 | €184,935 | €175,000 | ▼ 5.4% |
| Contracts in progress37 | €65,649 | €64,777 | €271,521 | €233,345 | €30,987 | ▼ 86.7% |
| Amounts receivable within one year40/41 | €368,190 | €126,306 | €109,820 | €81,502 | €232,334 | ▲ 185% |
| Trade receivables40 | €322,166 | €56,990 | €60,923 | €38,352 | €216,910 | ▲ 466% |
| Other amounts receivable41 | €46,025 | €69,316 | €48,896 | €43,150 | €15,424 | ▼ 64.3% |
| Cash at bank and in hand54/58 | €11,411 | €47,912 | €12,987 | €20,226 | €6,342 | ▼ 68.6% |
| Deferred charges and accrued income490/1 | €2,180 | €2,180 | €2,180 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €451,072 | €272,303 | €961,412 | €851,512 | €716,533 | ▼ 15.9% |
| Equity10/15 | €62,334 | €30,437 | €1,068 | -€137,475 | -€81,397 | ▲ 40.8% |
| Contributions10/11 | €20,000 | €20,000 | €20,000 | €20,000 | €22,000 | ▲ 10.0% |
| Reserves13 | €2,000 | €2,000 | €2,000 | €2,000 | - | - |
| Non-distributable reserves130/1 | €2,000 | €2,000 | €2,000 | €2,000 | - | - |
| Reserves not available under the articles1311 | €2,000 | €2,000 | €2,000 | €2,000 | - | - |
| Profit (loss) carried forward14 | €40,334 | €8,437 | -€20,932 | -€159,475 | -€103,397 | ▲ 35.2% |
| Amounts payable17/49 | €388,738 | €241,866 | €960,344 | €988,986 | €797,931 | ▼ 19.3% |
| Amounts payable after more than one year17 | - | €8,544 | €1,648 | - | - | - |
| Financial debts170/4 | - | €8,544 | €1,648 | - | - | - |
| Amounts payable within one year42/48 | €386,558 | €231,898 | €957,807 | €988,986 | €797,931 | ▼ 19.3% |
| Current portion of amounts payable after more than one year42 | - | €12,704 | - | €1,648 | - | - |
| Financial debts43 | - | - | €10,893 | - | - | - |
| Credit institutions430/8 | - | - | €10,893 | - | - | - |
| Trade debts44 | €24,154 | €24,374 | €574,440 | - | €1,063 | - |
| Suppliers440/4 | €24,154 | €24,374 | €574,440 | - | €1,063 | - |
| Taxes, remuneration and social security45 | €38,193 | €37,850 | €65,003 | €81,407 | €74,987 | ▼ 7.9% |
| Taxes450/3 | €33,214 | €26,460 | €34,115 | €37,510 | €58,917 | ▲ 57.1% |
| Remuneration and social security454/9 | €4,979 | €11,390 | €30,888 | €43,897 | €16,069 | ▼ 63.4% |
| Other amounts payable47/48 | €324,211 | €156,971 | €307,471 | €905,931 | €721,881 | ▼ 20.3% |
| Accrued charges and deferred income492/3 | €2,180 | €1,424 | €889 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €24,694 | -€31,898 | -€29,369 | -€138,542 | €56,077 | ▲ 140% |
| + Depreciation and write-downs630 | €2,222 | €5,513 | €21,057 | €62,640 | €62,048 | ▼ 0.9% |
| Operating cash flow (approximation) | €26,916 | -€26,384 | -€8,312 | -€75,902 | €118,126 | ▲ 256% |
| Investment in fixed assets (approximation) | - | -€33,000 | -€369,898 | -€14,175 | -€2,416 | ▲ 83.0% |
| Change in cash | - | €36,501 | -€34,925 | €7,239 | -€13,884 | ▼ 292% |
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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Back to profitnet €56,077
Net result €56,077 after 3 loss-making years.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Weakest financial yearnet -€138,542
Net result drops to -€138,542, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
08-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 8 days late
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €24,694
Net result €24,694 after one loss-making year.
04-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 4 days late
2020
06-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 6 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 31 days late
2018
03-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 3 days late
2017
03-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 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
6 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 · 3 establishment units since 2003
Ground area
7,954 m²
Building footprint
2,198 m²
Volume, LiDAR
15,988 m³
3 parcels, Flanders, Wallonia · tallest building 20.9 m, ±4 floors. Linked by address, not a title deed.
181
companies at this address
See who is registered here
3 establishment units
Hendrik van Veldekesingel 150, 3500 Hasselt
since 20032.115.222.580
Rue du Bois d'Ausse(Sart-B.) 88, 5330 Assesse
since 20202.303.333.393
FIVE ASSISTANCE
since 20212.316.950.314
3 parcels
Flanders
1
(33.3%)
Wallonia
2
(66.7%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71326F0010/00C003 | Flanders | 5,413 m² | 1 · 1,479 m² | 20.9 m · 4 fl. |
| 81001A1710/00P000 | Wallonia | 1,944 m² | 1 · 634 m² | - |
| 92109A0427/00G000 | Wallonia | 597 m² | 1 · 85 m² | 8.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
3 of 3 parcels 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 ownerChain of control
Highest known parent: WALITAS. The sources do not say who stands above it.
Owners 1
- GROUPE 3Dparent100%
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.
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Of 29,785 companies in sector 41001 we hold annual accounts for 16,058. 1,964 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
Founded06-12-2002
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43320Joinery installation
43350Other building finishing work
43990Other specialised construction activities
81230Other cleaning activities
Contact
E-mail
compta@five.be
E-invoicing
Reachable via Peppol
Peppol ID
0208:0478959175
Registered
11-08-2026
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.