Summary
FLEURUS FINANCES 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 €514,113 and a net result of €281,404. Equity is growing by ~55.5% per year across the filed fiscal years. Its solvency ranks better than 29% of 2515 sector peers (fiscal year 2025). The company has been active since 2018 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 31-12-2025 was due by 31-07-2026 and was filed on 23-07-2026, 8 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
8 d early
2024
8 d early
2023
25 d early
2022
28 d early
2021
12 d late
2020
4 d late
2019
14 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 10 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 39% 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 23 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€514,113▼ 19.9%
2024 · €641,708
Net result
€281,404▼ 49.3%
2024 · €555,039
Total assets
€2.1m▼ 18.5%
2024 · €2.6m
Solvency
24.7%▼ 0.4pp
2024 · 25.1%
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: 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. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€0.3m▼ 4.7%€0.3m▼ 1.0%€0.8m▲ 208%
Operating result€0.2m▼ 3.4%€0.2m▼ 9.7%€0.3m▲ 73.8%€0.8m▲ 181%€0.5m▼ 42.2%
Net result€0.1mabove the sector's middle half▼ 1.9%€0.1mabove the sector's middle half▼ 9.6%€0.2mabove the sector's middle half▲ 62.1%€0.6mabove the sector's middle half▲ 188%€0.3mabove the sector's middle half▼ 49.3%
Equity€0.08mwithin the sector's middle half▲ 16.4%€0.02mbelow the sector's middle half▼ 70.0%€0.3mwithin the sector's middle half▲ 1,043%€0.6mabove the sector's middle half▲ 132%€0.5mabove the sector's middle half▼ 19.9%
Total assets€0.2mwithin the sector's middle half▼ 11.7%€0.2mwithin the sector's middle half▲ 0.7%€1.1mabove the sector's middle half▲ 402%€2.6mabove the sector's middle half▲ 132%€2.1mabove the sector's middle half▼ 18.5%
Debt€0.1m▼ 22.7%€0.2m▲ 42.2%€0.8m▲ 323%€1.9m▲ 132%€1.6m▼ 18.0%
Working capital€0.08mwithin the sector's middle half▲ 16.4%€0.02mwithin the sector's middle half▼ 70.0%-€0.2mbelow the sector's middle half-€0.03mbelow the sector's middle half▲ 81.6%-€0.2mbelow the sector's middle half▼ 552%
Solvency37.0%within the sector's middle half▲ 8.9pp11.0%below the sector's middle half▼ 26.0pp25.1%within the sector's middle half▲ 14.1pp25.1%within the sector's middle half=24.7%within the sector's middle half▼ 0.4pp
Current ratio1.59within the sector's middle half▲ 0.201.12within the sector's middle half▼ 0.460.69below the sector's middle half▼ 0.430.95within the sector's middle half▲ 0.260.51below the sector's middle half▼ 0.44
Return on assets (ROA)60.3%above the sector's middle half▲ 6.0pp54.1%above the sector's middle half▼ 6.2pp17.5%within the sector's middle half▼ 36.7pp21.7%above the sector's middle half▲ 4.2pp13.5%within the sector's middle half▼ 8.2pp
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 micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 42% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.1m
Fixed assets
€1.9m ▼ 6.6%
Current assets
€201,951 ▼ 62.8%
Equity and liabilities €2.1m
Equity
€514,113 ▼ 19.9%
Debt
€1.6m ▼ 18.0%
Debt's share of the balance-sheet total rises from 74.9% to 75.3%. Equity and debt are lower.
Key figures and ratios
ROE
54.7%▼
2024 · 86.5%
Debt ≤ 1 year
€396,543▼
2024 · €572,958
Debt > 1 year
€1.2m▼
2024 · €1.3m
Income taxes
€102,516▼
2024 · €200,111
Staff costs
€342,590▲
2024 · €328,231
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 |
|---|---|---|---|---|---|---|
| Turnover70 | €0.3m | €0.3m | €0.8m | - | - | - |
| Non-recurring operating income76A | €0.003m | - | - | €21 | - | - |
| Goods, raw materials, services and sundry goods60/61 | €0.02m | €0.03m | €0.1m | - | - | - |
| Remuneration, social security and pensions62 | €0.07m | €0.07m | €0.3m | €0.3m | €0.3m | ▲ 4.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | €0.1m | €0.1m | €0.2m | ▲ 43.7% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | €0.2m | - | - |
| Other operating charges640/8 | €0.001m | €0.001m | €0.003m | €0.005m | €0.007m | ▲ 56.0% |
| Non-recurring operating charges66A | - | €56 | - | - | €0.001m | - |
| Gross operating margin9900 | €0.2m | €0.2m | €0.7m | €1.4m | €1.0m | ▼ 30.6% |
| Operating profit (loss)9901 | €0.2m | €0.2m | €0.3m | €0.8m | €0.5m | ▼ 42.2% |
| Financial income75/76B | - | - | - | €0.001m | €0.005m | ▲ 396% |
| Recurring financial income75 | - | - | - | €0.001m | €0.005m | ▲ 396% |
| Financial charges65/66B | €114 | €172 | €0.01m | €0.03m | €0.07m | ▲ 176% |
| Recurring financial charges65 | €114 | €172 | €0.01m | €0.03m | €0.07m | ▲ 176% |
| Profit (loss) for the period before taxes9903 | €0.2m | €0.2m | €0.3m | €0.8m | €0.4m | ▼ 49.2% |
| Income taxes67/77 | €0.05m | €0.04m | €0.07m | €0.2m | €0.1m | ▼ 48.8% |
| Profit (loss) for the period9904 | €0.1m | €0.1m | €0.2m | €0.6m | €0.3m | ▼ 49.3% |
| Profit (loss) for the period to be appropriated9905 | €0.1m | €0.1m | €0.2m | €0.6m | €0.3m | ▼ 49.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €0.2m | €0.2m | €1.1m | €2.6m | €2.1m | ▼ 18.5% |
| Fixed assets21/28 | - | - | €0.7m | €2.0m | €1.9m | ▼ 6.6% |
| Intangible fixed assets21 | - | - | €0.7m | €0.6m | €0.5m | ▼ 19.7% |
| Tangible fixed assets22/27 | - | - | €0.002m | €1.4m | €1.4m | ▼ 0.8% |
| Land and buildings22 | - | - | - | €1.4m | €1.3m | ▼ 4.0% |
| Furniture and vehicles24 | - | - | €0.002m | €0.001m | €487 | ▼ 58.9% |
| Assets under construction and advance payments27 | - | - | - | - | €0.05m | - |
| Current assets29/58 | €0.2m | €0.2m | €0.4m | €0.5m | €0.2m | ▼ 62.8% |
| Amounts receivable within one year40/41 | €0.03m | €0.03m | €0.1m | €0.1m | €0.07m | ▼ 30.8% |
| Trade receivables40 | €0.03m | €0.03m | €0.1m | €0.09m | €0.06m | ▼ 33.9% |
| Other amounts receivable41 | - | - | €0.009m | €0.009m | €0.009m | = |
| Current investments50/53 | - | - | €0.2m | - | - | - |
| Cash at bank and in hand54/58 | €0.2m | €0.2m | €0.1m | €0.4m | €0.1m | ▼ 69.5% |
| Deferred charges and accrued income490/1 | €397 | €0.002m | €0.002m | €0.005m | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €0.2m | €0.2m | €1.1m | €2.6m | €2.1m | ▼ 18.5% |
| Equity10/15 | €0.08m | €0.02m | €0.3m | €0.6m | €0.5m | ▼ 19.9% |
| Contributions10/11 | €0.02m | €0.02m | €0.3m | €0.3m | €0.3m | = |
| Reserves13 | €0.002m | €0.002m | €0.002m | €0.4m | €0.2m | ▼ 34.2% |
| Non-distributable reserves130/1 | €0.002m | €0.002m | - | - | - | - |
| Reserves not available under the articles1311 | €0.002m | €0.002m | - | - | - | - |
| Distributable reserves133 | - | - | €0.002m | €0.4m | €0.2m | ▼ 34.2% |
| Profit (loss) carried forward14 | €0.06m | €0.004m | €0.006m | - | - | - |
| Amounts payable17/49 | €0.1m | €0.2m | €0.8m | €1.9m | €1.6m | ▼ 18.0% |
| Amounts payable after more than one year17 | - | - | €0.3m | €1.3m | €1.2m | ▼ 12.6% |
| Financial debts170/4 | - | - | €0.3m | €1.3m | €1.2m | ▼ 12.6% |
| Amounts payable within one year42/48 | €0.1m | €0.2m | €0.5m | €0.6m | €0.4m | ▼ 30.8% |
| Current portion of amounts payable after more than one year42 | - | - | €0.06m | €0.06m | €0.1m | ▲ 133% |
| Trade debts44 | €0.001m | €0.005m | €0.02m | €0.01m | €0.007m | ▼ 41.3% |
| Suppliers440/4 | €0.001m | €0.005m | €0.02m | €0.01m | €0.007m | ▼ 41.3% |
| Taxes, remuneration and social security45 | €0.02m | €0.01m | €0.05m | €0.1m | €0.06m | ▼ 50.5% |
| Taxes450/3 | €0.008m | €0.006m | €0.02m | €0.08m | €0.02m | ▼ 77.7% |
| Remuneration and social security454/9 | €0.008m | €0.008m | €0.03m | €0.04m | €0.04m | ▲ 2.0% |
| Other amounts payable47/48 | €0.1m | €0.2m | €0.4m | €0.4m | €0.2m | ▼ 48.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €0.1m | €0.1m | €0.2m | €0.6m | €0.3m | ▼ 49.3% |
| + Depreciation and write-downs630 | - | - | €0.1m | €0.1m | €0.2m | ▲ 43.7% |
| Operating cash flow (approximation) | €0.1m | €0.1m | €0.3m | €0.7m | €0.5m | ▼ 32.3% |
| Investment in fixed assets (approximation) | - | - | - | -€1.4m | -€0.05m | ▲ 96.7% |
| Change in cash | - | -€0.005m | -€0.08m | €0.3m | -€0.3m | ▼ 191% |
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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
21-05
State Gazette act
Resignation: SComm DEMORTIER Conseils (non-statutory director)Appointment: SRL ABR CONSULT (non-statutory director) · Permanent representatives: Didier DEMORTIER and ANTOINE BRUNO · Declaration8 facts ▸
State Gazette act
Resignation: SComm DEMORTIER Conseils (non-statutory director)
Appointment: SRL ABR CONSULT (non-statutory director) · Permanent representatives: Didier DEMORTIER and ANTOINE BRUNO · Declaration8 facts ▸
- General meeting, 18-03-2026
- Director resignation, SComm DEMORTIER Conseils (non-statutory director)
- Director appointment, SRL ABR CONSULT (non-statutory director)
- Board meeting, 31-12-2025
- Permanent representative, Didier DEMORTIER (permanent representative)
- Declaration, approbation de la révocation du représentant permanent
- Permanent representative, ANTOINE BRUNO (permanent representative)
- Declaration, approbation de la nomination du représentant permanent
2025
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €555,039 ▲188%
Operating result €780,242, net result €555,039, both a record.
31-12
Financial
Equity above €500,000Eq €641,708 ▲132%
7 profitable years in a row build equity to €641,708.
06-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200,000Eq €276,669 ▲1,043%
6 profitable years in a row build equity to €276,669.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 12 days late
2021
04-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 4 days late
2020
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
01-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 1 day late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 6 acts read
About the unread acts
Of the 6 Belgian State Gazette acts we know for this company, 1 has been read. The other 5 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 director, last change in 2026
Board 1
SRL ABR CONSULT
CurrentNon-statutory director · since 18-03-2026 · Legal entity · perm. rep.: ANTOINE BRUNO
Permanent representatives 1
ANTOINE BRUNO
CurrentPermanent representative · since 18-03-2026 · for SRL ABR CONSULT
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
5 of this company's 6 Belgian State Gazette acts have 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, Fleurus · 2 establishment units since 2018
Ground area
911 m²
Building footprint
231 m²
Volume, LiDAR
2,235 m³
2 parcels, Wallonia · tallest building 15.1 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
FLEURUS FINANCES
since 2018unit no. 2.272.293.393
LUTTRE FINANCES
since 2023unit no. 2.342.011.946
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52042A0472/00G004 | Wallonia | 781 m² | 1 · 162 m² | 10.9 m · 3 fl. |
| 52021D0488/00H000 | Wallonia | 130 m² | 1 · 69 m² | 15.1 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
2 people since 2026, 1 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| SRL ABR CONSULT |
|
| SComm DEMORTIER Conseils |
|
Structure & network
Owners and holdings
3 ownersOwners 3
-
31.87%
- Sourceaccounts GIDEM 202527.3%
-
0.12%
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
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
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Company details
Identification
Legal formPrivate limited company
Founded17-01-2018
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0688539355
Also
9925:BE0688539355
Registered
03-07-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.