Summary
Futuro 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 €22.3m and a net result of -€5,858. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 95% of 5585 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 22-07-2026, 9 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
9 d early
2024
6 d late
2023
on the day
← 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 1 day 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. Usually files around 1 August (3 of the last 3 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, abbreviated schema
In the rankings
#3 company by total assets in Zonhoven, Finance and insurance sector#3 company by equity in Zonhoven, Finance and insurance sector
Equity
€22.3m=
2024 · €22.3m
Net result
-€5,858▼ 29.9%
2024 · -€4,510
Total assets
€22.3m=
2024 · €22.3m
Solvency
99.9%=
2024 · 100.0%
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-€2,457--€4,325▼ 76.0%-€5,705▼ 31.9%
Net result-€2,560below the sector's middle half--€4,510below the sector's middle half▼ 76.2%-€5,858below the sector's middle half▼ 29.9%
Equity€22.3mabove the sector's middle half-€22.3mabove the sector's middle half=€22.3mabove the sector's middle half=
Total assets€22.3mabove the sector's middle half-€22.3mabove the sector's middle half=€22.3mabove the sector's middle half=
Debt€11,252-€10,776▼ 4.2%€14,778▲ 37.1%
Working capital-€6,149within the sector's middle half--€8,957within the sector's middle half▼ 45.7%-€13,125within the sector's middle half▼ 46.5%
Solvency99.9%above the sector's middle half-100.0%above the sector's middle half=99.9%above the sector's middle half=
Current ratio0.45within the sector's middle half-0.17below the sector's middle half▼ 0.290.11below the sector's middle half▼ 0.06
Return on assets (ROA)0.0%below the sector's middle half-0.0%below the sector's middle half=0.0%below the sector's middle half=
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 stays negative: a loss of €5,705 in 2025 against €4,325 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €22.3m
Fixed assets
€22.3m =
Current assets
€1,653 ▼ 8.5%
Equity and liabilities €22.3m
Equity
€22.3m =
Debt
€14,778 ▲ 37.1%
Debt's share of the balance-sheet total stays at 0.1%.
Key figures and ratios
ROE
0.0%▼
2024 · 0.0%
Debt ≤ 1 year
€14,778▲
2024 · €10,763
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 | €1,504 | €1,702 | €1,702 | = |
| Other operating charges640/8 | €434 | €449 | €1,060 | ▲ 136% |
| Gross operating margin9900 | -€518 | -€2,173 | -€2,942 | ▼ 35.4% |
| Operating profit (loss)9901 | -€2,457 | -€4,325 | -€5,705 | ▼ 31.9% |
| Financial charges65/66B | €103 | €186 | €153 | ▼ 17.5% |
| Recurring financial charges65 | €103 | €186 | €153 | ▼ 17.5% |
| Profit (loss) for the period before taxes9903 | -€2,560 | -€4,510 | -€5,858 | ▼ 29.9% |
| Profit (loss) for the period9904 | -€2,560 | -€4,510 | -€5,858 | ▼ 29.9% |
| Profit (loss) for the period to be appropriated9905 | -€2,560 | -€4,510 | -€5,858 | ▼ 29.9% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €22.3m | €22.3m | €22.3m | = |
| Formation expenses20 | €3,603 | €1,900 | €198 | ▼ 89.6% |
| Fixed assets21/28 | €22.3m | €22.3m | €22.3m | = |
| Financial fixed assets28 | €22.3m | €22.3m | €22.3m | = |
| Current assets29/58 | €5,090 | €1,806 | €1,653 | ▼ 8.5% |
| Amounts receivable within one year40/41 | €4,179 | €1,531 | €1,531 | = |
| Trade receivables40 | €3,632 | - | - | - |
| Other amounts receivable41 | €548 | €1,531 | €1,531 | = |
| Cash at bank and in hand54/58 | €911 | €275 | €122 | ▼ 55.7% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €22.3m | €22.3m | €22.3m | = |
| Equity10/15 | €22.3m | €22.3m | €22.3m | = |
| Contributions10/11 | €22.3m | €22.3m | €22.3m | = |
| Profit (loss) carried forward14 | -€2,560 | -€7,070 | -€12,927 | ▼ 82.9% |
| Amounts payable17/49 | €11,252 | €10,776 | €14,778 | ▲ 37.1% |
| Amounts payable within one year42/48 | €11,239 | €10,763 | €14,778 | ▲ 37.3% |
| Trade debts44 | €3,068 | - | €13 | - |
| Suppliers440/4 | €3,068 | - | €13 | - |
| Other amounts payable47/48 | €8,171 | €10,763 | €14,765 | ▲ 37.2% |
| Accrued charges and deferred income492/3 | €13 | €13 | - | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | -€2,560 | -€4,510 | -€5,858 | ▼ 29.9% |
| + Depreciation and write-downs630 | €1,504 | €1,702 | €1,702 | = |
| Operating cash flow (approximation) | -€1,055 | -€2,808 | -€4,155 | ▼ 48.0% |
| Investment in fixed assets (approximation) | - | -€1,702 | -€1,702 | = |
| Change in cash | - | -€635 | -€153 | ▲ 75.9% |
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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet -€5,858
Net result drops to -€5,858, the lowest in the series.
06-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 6 days late
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
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, Zonhoven · 1 establishment unit since 2023
Ground area
1,628 m²
Building footprint
143 m²
Volume, LiDAR
682 m³
Parcel 71066B0952/00M032, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Futuro
since 20232.340.948.213
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71066B0952/00M032 | Flanders | 1,627 m² | 1 · 143 m² | 7.8 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.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 4,103 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
Founded04-01-2023
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0795728711
Also
9925:BE0795728711
Registered
20-10-2025
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.