Turnover
≈ €96,000 estimated
The accounts state no turnover.
FT INITIALS
Lifetime
20 annual accounts with figures on one time axis, 24 filings since 2002peak €90,123 (2020)
€26,745▼ 28.8%
lowest -€44,724 (2006)
-€11,839▼ €12,216
peak €136,167 (2020)
€86,857▼ 12.0%
€122,274▼ 21.7%
Board4 names since 2002
2 directorsFERNEMONT Florence and 1 other
Documentsfilings and deeds
28-08-202628 days late
2025abbreviated format
Gross margin from €37,572 to €26,745Loss of €11,839Debts from €156,068 to €122,274
Key points
from the 2025 annual accountsFilings
24 annual accounts since 2002
Ten of the last ten came late. The 2016 accounts came latest: 234 days after the end of the period.
Position in the sector
-€11,839
Lower net result than 90% of companies in auxiliary financial services. Sector median €71,242 · 1,855 companies.
Financial institution: outside the modelBankruptcy probability: sector outside the model
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
1 signal.
raises risk
raises risk · 2025 accounts filed 28 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
28 days late
2024
29 days late
2023
27 days late
2022
30 days late
2021
31 days late
2020
31 days late
2019
131 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 44 days after the deadline. In the sector (NACE 66), the median for financial year 2024 was 5 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
FF
FERNEMONT Florence
Director, since 19-12-2023
TA
THIRY Alain
Director, since 19-12-2023
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0477209316
Changes of role: THIRY (director) and FERNEMONT (director)
“La gestion d’un portefeuille d’assurance comme courtier; L'activité d'intermédiaire d'assurances au sens de la…” (deed in French) · Director discharge: THIRY · Director discharge: FERNEMONT · General meeting of 19-12-2023 · Gazette deed
First establishment
Rue Trieux-des-Gouttes, Emines 47, La Bruyère
Incorporation
published on 10-04-2002 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| FT INITIALS La Bruyère | €209,131 | €26,745 | 41.5% | - |
| Consultant MD Beveren-Kruibeke-Zwijndrecht | €240,260 | €28,053 | 77.4% | - |
| J'ET Bilzen-Hoeselt | €230,247 | €30,699 | 70.4% | - |
| BUREAU D'ASSURANCE DHOUALLY Beauraing | €172,713 | €29,115 | 63.8% | - |
| ROMAN STEFAN Nazareth-De Pinte | €202,539 | €21,655 | 85.9% | - |
| ELAN CONSULTING Aubel | €232,606 | €22,012 | 8.4% | - |
| DALFINO Rotselaar | €215,341 | €33,243 | 68.7% | 0 |
These companies have the same main activity as FT INITIALS: insurance agents and brokers (NACE 66220). They are comparable in size and age: total assets between €173,000 and €240,000, founded between 1998 and 2007.
Official details
Source: KBO- Status
- Active since 29-03-2002Normal situation
- Activity
- Insurance agents and brokersNACE 66220and 5 others
- Establishment unit
- 2.099.071.3875080 La Bruyère, since 14-06-2002
- Financial year end
- 31 December
- Peppol
- Reachable since 14-01-2026
Insights on FT INITIALS
FT INITIALS files the abbreviated format. That format states no turnover. The gross margin fell from €70,192 in 2006 to €26,745 in 2025.
The balance sheet grew most from 2014 to 2016 through fixed assets, financed with long-term debt.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about FT INITIALS
- What is the company number of FT INITIALS?
- The company number of FT INITIALS is 0477.209.316. The VAT number is the same number with BE in front: BE 0477.209.316.
- Where is FT INITIALS based?
- The registered office is at Rue Trieux-des-Gouttes, Emines 47, 5080 La Bruyère.Company details
- What does FT INITIALS do?
- According to the KBO register, the main activity is insurance agents and brokers (NACE 66220).
- What is the legal form of FT INITIALS?
- FT INITIALS is a private limited company (BV).
- When was FT INITIALS founded?
- FT INITIALS was founded on 29-03-2002.
- Is FT INITIALS still active?
- Yes, FT INITIALS is an active enterprise in the KBO register.
- What is the turnover of FT INITIALS?
- The turnover in financial year 2025 is ≈ €96,000. This figure is estimated from the gross margin of €26,745 and 1,231 comparable companies of the same size. It probably lies between €51,000 and €180,000. It is a rough estimate.Financials
- Is FT INITIALS profitable?
- In financial year 2025, FT INITIALS made a loss of €11,839.
- Where can I find the annual accounts of FT INITIALS?
- FT INITIALS filed 24 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of FT INITIALS due?
- FT INITIALS must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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