Summary
FLN GROUP 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 €71,810 and a net result of €33,197. Equity is growing by ~62.7% per year across the filed fiscal years. Its solvency ranks better than 18% of 8074 sector peers (fiscal year 2025). The company has been active since 2023 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 14-07-2026, 17 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
17 d early
2024
16 d early
2023
8 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 8 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€71,810▲ 82.0%
2024 · €39,446
Net result
€33,197▲ 85.1%
2024 · €17,935
Total assets
€559,466▼ 1.2%
2024 · €565,978
Solvency
12.8%▲ 5.9pp
2024 · 7.0%
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
Line202320242025
Operating result€24,997-€51,137▲ 105%€69,899▲ 36.7%
Net result€8,144within the sector's middle half-€17,935within the sector's middle half▲ 120%€33,197within the sector's middle half▲ 85.1%
Equity€22,344below the sector's middle half-€39,446within the sector's middle half▲ 76.5%€71,810within the sector's middle half▲ 82.0%
Total assets€570,666within the sector's middle half-€565,978within the sector's middle half▼ 0.8%€559,466within the sector's middle half▼ 1.2%
Debt€548,321-€526,532▼ 4.0%€487,656▼ 7.4%
Working capital-€27,967--€57,049▼ 104%-€72,469▼ 27.0%
Solvency3.9%below the sector's middle half-7.0%below the sector's middle half▲ 3.1pp12.8%below the sector's middle half▲ 5.9pp
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 micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 37% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €559,466
Fixed assets
€541,580 ▼ 0.2%
Current assets
€17,886 ▼ 23.7%
Equity and liabilities €559,466
Equity
€71,810 ▲ 82.0%
Debt
€487,656 ▼ 7.4%
Debt's share of the balance-sheet total falls from 93.0% to 87.2%. Equity is higher and debt is lower.
Key figures and ratios
ROE
46.2%▲
2024 · 45.5%
ROA
5.9%▲
2024 · 3.2%
Debt ≤ 1 year
€90,355▲
2024 · €80,477
Debt > 1 year
€392,301▼
2024 · €441,054
Income taxes
€11,691▲
2024 · €8,218
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,229 | €812 | €969 | ▲ 19.3% |
| Other operating charges640/8 | - | €126 | €63 | ▼ 49.7% |
| Gross operating margin9900 | €27,226 | €52,076 | €70,931 | ▲ 36.2% |
| Operating profit (loss)9901 | €24,997 | €51,137 | €69,899 | ▲ 36.7% |
| Financial income75/76B | - | €0 | €0 | = |
| Recurring financial income75 | - | €0 | €0 | = |
| Financial charges65/66B | €12,525 | €24,984 | €25,011 | ▲ 0.1% |
| Recurring financial charges65 | €12,525 | €24,984 | €25,011 | ▲ 0.1% |
| Profit (loss) for the period before taxes9903 | €12,472 | €26,153 | €44,888 | ▲ 71.6% |
| Income taxes67/77 | €4,327 | €8,218 | €11,691 | ▲ 42.3% |
| Profit (loss) for the period9904 | €8,144 | €17,935 | €33,197 | ▲ 85.1% |
| Profit (loss) for the period to be appropriated9905 | €8,144 | €17,935 | €33,197 | ▲ 85.1% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €570,666 | €565,978 | €559,466 | ▼ 1.2% |
| Fixed assets21/28 | €542,113 | €542,549 | €541,580 | ▼ 0.2% |
| Tangible fixed assets22/27 | €1,475 | €1,911 | €942 | ▼ 50.7% |
| Furniture and vehicles24 | €1,475 | €1,911 | €942 | ▼ 50.7% |
| Financial fixed assets28 | €540,638 | €540,638 | €540,638 | = |
| Current assets29/58 | €28,552 | €23,429 | €17,886 | ▼ 23.7% |
| Amounts receivable within one year40/41 | €6,000 | €6,000 | €12,000 | ▲ 100% |
| Trade receivables40 | €6,000 | €6,000 | €12,000 | ▲ 100% |
| Cash at bank and in hand54/58 | €6,819 | €2,429 | €5,227 | ▲ 115% |
| Deferred charges and accrued income490/1 | €15,734 | €15,000 | €659 | ▼ 95.6% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €570,666 | €565,978 | €559,466 | ▼ 1.2% |
| Equity10/15 | €22,344 | €39,446 | €71,810 | ▲ 82.0% |
| Contributions10/11 | €15,000 | €15,000 | €15,000 | = |
| Profit (loss) carried forward14 | €7,344 | €24,446 | €56,810 | ▲ 132% |
| Amounts payable17/49 | €548,321 | €526,532 | €487,656 | ▼ 7.4% |
| Amounts payable after more than one year17 | €486,802 | €441,054 | €392,301 | ▼ 11.1% |
| Financial debts170/4 | €310,029 | €280,131 | €248,763 | ▼ 11.2% |
| Other amounts payable178/9 | €176,773 | €160,923 | €143,538 | ▼ 10.8% |
| Amounts payable within one year42/48 | €56,519 | €80,477 | €90,355 | ▲ 12.3% |
| Current portion of amounts payable after more than one year42 | €42,361 | €45,748 | €49,742 | ▲ 8.7% |
| Trade debts44 | €820 | €2,976 | €718 | ▼ 75.9% |
| Suppliers440/4 | €820 | €2,976 | €718 | ▼ 75.9% |
| Taxes, remuneration and social security45 | €4,518 | €11,352 | €19,465 | ▲ 71.5% |
| Taxes450/3 | €4,518 | €11,352 | €19,465 | ▲ 71.5% |
| Other amounts payable47/48 | €8,820 | €20,402 | €20,430 | ▲ 0.1% |
| Accrued charges and deferred income492/3 | €5,000 | €5,000 | €5,000 | = |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €8,144 | €17,935 | €33,197 | ▲ 85.1% |
| + Depreciation and write-downs630 | €2,229 | €812 | €969 | ▲ 19.3% |
| Operating cash flow (approximation) | €10,373 | €18,747 | €34,166 | ▲ 82.2% |
| Investment in fixed assets (approximation) | - | -€1,248 | €0 | ▲ 100% |
| Change in cash | - | -€4,390 | €2,798 | ▲ 164% |
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
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €33,197 ▲85.1%
Operating result €69,899, net result €33,197, both a record.
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 8 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Sambreville · 1 establishment unit since 2023
Ground area
407 m²
Building footprint
92 m²
Volume, LiDAR
914 m³
Parcel 92007F0024/00B003, Wallonia · tallest building 14.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
FLN GROUP
since 20232.346.461.078
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92007F0024/00B003 | Wallonia | 407 m² | 1 · 92 m² | 14.3 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.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,799. 11,467 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
Founded12-06-2023
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Contact
E-mail
felten.thomas@assurances-lejeune.be
E-invoicing
Reachable via Peppol
Peppol ID
0208:0802641643
Registered
06-01-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.