Summary
HAEGEMAN PATRICK 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 €957,946 and a net result of €469,948. Equity remains stable across the filed fiscal years (±1.8% per year). Its solvency ranks better than 73% of 1502 sector peers (fiscal year 2025). The company has been active since 1997 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
Two signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €957,946
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
20 d early
2023
30 d early
2022
7 d early
2021
40 d late
2020
3 d late
2019
60 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 11 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% 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 24 July (4 of the last 5 filed years within 38 days of that day).
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, abbreviated schema
In the rankings
#4 oldest company in Haaltert, Finance and insurance sector#5 company by equity in Haaltert, Finance and insurance sector#7 company by total assets in Haaltert, Finance and insurance sector
Equity
€957,946▲ 52.5%
2024 · €627,998
Net result
€469,948▲ 34.5%
2024 · €349,285
Total assets
€1.5m▲ 38.3%
2024 · €1.0m
Solvency
66.0%▲ 6.2pp
2024 · 59.8%
Trend over the years
Click a name to add, emphasise or remove a line.Band: 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.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€220,698▲ 9.2%€340,549▲ 54.3%€461,646▲ 35.6%€516,320▲ 11.8%€685,366▲ 32.7%
Net result€163,153within the sector's middle half▲ 17.5%€250,971above the sector's middle half▲ 53.8%€342,220above the sector's middle half▲ 36.4%€349,285above the sector's middle half▲ 2.1%€469,948above the sector's middle half▲ 34.5%
Equity€585,522within the sector's middle half▼ 2.0%€586,493within the sector's middle half▲ 0.2%€388,713within the sector's middle half▼ 33.7%€627,998within the sector's middle half▲ 61.6%€957,946above the sector's middle half▲ 52.5%
Total assets€1.1mwithin the sector's middle half▼ 10.2%€1.2mwithin the sector's middle half▲ 6.0%€1.3mwithin the sector's middle half▲ 8.1%€1.0mwithin the sector's middle half▼ 16.8%€1.5mwithin the sector's middle half▲ 38.3%
Debt€494,170▼ 18.4%€560,788▲ 13.5%€854,246▲ 52.3%€404,913▼ 52.6%€478,656▲ 18.2%
Working capital€6,209within the sector's middle half€320,165within the sector's middle half▲ 5,057%€162,640within the sector's middle half▼ 49.2%€400,736above the sector's middle half▲ 146%€606,230above the sector's middle half▲ 51.3%
Solvency53.2%within the sector's middle half▲ 4.4pp50.3%within the sector's middle half▼ 2.9pp30.8%within the sector's middle half▼ 19.4pp59.8%within the sector's middle half▲ 29.0pp66.0%within the sector's middle half▲ 6.2pp
Current ratio1.02within the sector's middle half▲ 0.041.91within the sector's middle half▲ 0.891.24within the sector's middle half▼ 0.672.61within the sector's middle half▲ 1.372.73within the sector's middle half▲ 0.12
Return on assets (ROA)14.8%within the sector's middle half▲ 3.5pp21.5%above the sector's middle half▲ 6.7pp27.1%above the sector's middle half▲ 5.6pp33.3%above the sector's middle half▲ 6.1pp32.4%above the sector's middle half▼ 0.9pp
Staff (FTE)2.8within the sector's middle half=2.8within the sector's middle half=2.8within the sector's middle half=2.6within the sector's middle half▼ 7.1%2.7within the sector's middle half▲ 3.8%
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 abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 33% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.5m
Fixed assets
€495,475 ▲ 23.8%
Current assets
€956,216 ▲ 47.2%
Equity and liabilities €1.5m
Equity
€957,946 ▲ 52.5%
Provisions
€15,089 ▼ 9.1%
Debt
€478,656 ▲ 18.2%
Debt's share of the balance-sheet total falls from 38.6% to 33.0%. Equity and debt are higher.
Key figures and ratios
ROE
49.1%▼
2024 · 55.6%
Debt ≤ 1 year
€349,986▲
2024 · €248,702
Debt > 1 year
€128,670▼
2024 · €156,212
Income taxes
€228,120▲
2024 · €170,283
Staff costs
€148,567▼
2024 · €150,354
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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €138,203 | €137,623 | €146,496 | €150,354 | €148,567 | ▼ 1.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €90,334 | €80,802 | €75,542 | €58,789 | €42,679 | ▼ 27.4% |
| Other operating charges640/8 | €11,329 | €6,131 | €5,377 | €14,996 | €5,569 | ▼ 62.9% |
| Non-recurring operating charges66A | - | €12 | - | €11,829 | - | - |
| Gross operating margin9900 | €460,564 | €565,118 | €689,061 | €752,288 | €882,181 | ▲ 17.3% |
| Operating profit (loss)9901 | €220,698 | €340,549 | €461,646 | €516,320 | €685,366 | ▲ 32.7% |
| Financial income75/76B | €2,534 | €310 | €4,097 | €9,528 | €17,126 | ▲ 79.7% |
| Recurring financial income75 | €2,534 | €310 | €4,097 | €9,188 | €17,068 | ▲ 85.8% |
| Non-recurring financial income76B | €2,534 | €310 | - | €340 | €59 | ▼ 82.8% |
| Financial charges65/66B | €3,897 | €3,551 | €3,197 | €7,791 | €5,934 | ▼ 23.8% |
| Recurring financial charges65 | €3,897 | €3,551 | €3,197 | €2,697 | €2,322 | ▼ 13.9% |
| Non-recurring financial charges66B | - | - | - | €5,094 | €3,612 | ▼ 29.1% |
| Profit (loss) for the period before taxes9903 | €219,335 | €337,308 | €462,546 | €518,057 | €696,558 | ▲ 34.5% |
| Transfer from deferred taxes780 | €1,510 | €1,510 | €1,510 | €1,510 | €1,510 | = |
| Income taxes67/77 | €57,692 | €87,847 | €121,836 | €170,283 | €228,120 | ▲ 34.0% |
| Profit (loss) for the period9904 | €163,153 | €250,971 | €342,220 | €349,285 | €469,948 | ▲ 34.5% |
| Transfer from tax-exempt reserves789 | €15,945 | €3,066 | €3,066 | €3,066 | €3,066 | = |
| Profit (loss) for the period to be appropriated9905 | €179,098 | €254,037 | €345,286 | €352,350 | €473,014 | ▲ 34.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.1m | €1.2m | €1.3m | €1.0m | €1.5m | ▲ 38.3% |
| Fixed assets21/28 | €837,065 | €496,127 | €427,566 | €400,073 | €495,475 | ▲ 23.8% |
| Intangible fixed assets21 | €78,827 | €55,132 | €34,760 | €13,693 | €6,671 | ▼ 51.3% |
| Tangible fixed assets22/27 | €758,238 | €440,995 | €392,806 | €386,379 | €488,804 | ▲ 26.5% |
| Land and buildings22 | €669,185 | €369,392 | €355,096 | €357,120 | €345,442 | ▼ 3.3% |
| Plant, machinery and equipment23 | €14,884 | €12,556 | €10,371 | €15,804 | €19,656 | ▲ 24.4% |
| Furniture and vehicles24 | €74,169 | €59,047 | €27,340 | €13,456 | €123,706 | ▲ 819% |
| Current assets29/58 | €263,757 | €670,774 | €833,503 | €649,438 | €956,216 | ▲ 47.2% |
| Amounts receivable within one year40/41 | €66,115 | €63,913 | €56,025 | €66,802 | €66,735 | ▼ 0.1% |
| Trade receivables40 | €62,096 | €60,438 | €52,506 | €66,802 | €66,735 | ▼ 0.1% |
| Other amounts receivable41 | €4,019 | €3,475 | €3,519 | - | - | - |
| Current investments50/53 | €17,850 | €17,850 | €519,263 | €266,679 | €616,376 | ▲ 131% |
| Cash at bank and in hand54/58 | €179,792 | €589,011 | €256,313 | €315,369 | €273,105 | ▼ 13.4% |
| Deferred charges and accrued income490/1 | - | - | €1,902 | €588 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.1m | €1.2m | €1.3m | €1.0m | €1.5m | ▲ 38.3% |
| Equity10/15 | €585,522 | €586,493 | €388,713 | €627,998 | €957,946 | ▲ 52.5% |
| Contributions10/11 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Capital10 | €18,592 | €18,592 | €18,592 | - | - | - |
| Issued capital100 | €18,592 | €18,592 | €18,592 | - | - | - |
| Reserves13 | €566,015 | €562,950 | €359,884 | €596,819 | €913,753 | ▲ 53.1% |
| Non-distributable reserves130/1 | €1,859 | €1,859 | €1,859 | - | - | - |
| Legal reserve130 | €1,859 | €1,859 | €1,859 | - | - | - |
| Tax-exempt reserves132 | €114,156 | €111,091 | €108,025 | €104,960 | €101,894 | ▼ 2.9% |
| Distributable reserves133 | €450,000 | €450,000 | €250,000 | €491,859 | €811,859 | ▲ 65.1% |
| Profit (loss) carried forward14 | €914 | €4,951 | €10,237 | €12,587 | €25,601 | ▲ 103% |
| Provisions and deferred taxes16 | €21,130 | €19,620 | €18,110 | €16,599 | €15,089 | ▼ 9.1% |
| Deferred taxes168 | €21,130 | €19,620 | €18,110 | €16,599 | €15,089 | ▼ 9.1% |
| Amounts payable17/49 | €494,170 | €560,788 | €854,246 | €404,913 | €478,656 | ▲ 18.2% |
| Amounts payable after more than one year17 | €236,622 | €210,179 | €183,382 | €156,212 | €128,670 | ▼ 17.6% |
| Financial debts170/4 | €236,622 | €210,179 | €183,382 | €156,212 | €128,670 | ▼ 17.6% |
| Amounts payable within one year42/48 | €257,549 | €350,609 | €670,863 | €248,702 | €349,986 | ▲ 40.7% |
| Current portion of amounts payable after more than one year42 | €28,847 | €26,443 | €26,797 | €27,171 | €27,542 | ▲ 1.4% |
| Trade debts44 | €21,124 | €28,253 | €38,704 | €17,567 | €10,419 | ▼ 40.7% |
| Suppliers440/4 | €21,124 | €28,253 | €38,704 | €17,567 | €10,419 | ▼ 40.7% |
| Taxes, remuneration and social security45 | €83,534 | €43,619 | €225,069 | €91,894 | €169,432 | ▲ 84.4% |
| Taxes450/3 | €62,500 | €28,000 | €207,945 | €68,445 | €139,500 | ▲ 104% |
| Remuneration and social security454/9 | €21,034 | €15,619 | €17,124 | €23,449 | €29,932 | ▲ 27.6% |
| Other amounts payable47/48 | €124,044 | €252,294 | €380,294 | €112,070 | €142,594 | ▲ 27.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €163,153 | €250,971 | €342,220 | €349,285 | €469,948 | ▲ 34.5% |
| + Depreciation and write-downs630 | €90,334 | €80,802 | €75,542 | €58,789 | €42,679 | ▼ 27.4% |
| Operating cash flow (approximation) | €253,488 | €331,774 | €417,762 | €408,074 | €512,627 | ▲ 25.6% |
| Investment in fixed assets (approximation) | - | €260,136 | -€6,981 | -€31,296 | -€138,081 | ▼ 341% |
| Change in cash | - | €409,219 | -€332,698 | €59,056 | -€42,264 | ▼ 172% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €469,948 ▲34.5%
Operating result €685,366, net result €469,948, both a record.
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity doublescurrent ratio 2.61
Current ratio from 1.24 to 2.61; short-term debt falls from €670,863 to €248,702.
31-12
Financial
Equity above €500,000Eq €627,998 ▲61.6%
7 profitable years in a row build equity to €627,998.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
09-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 40 days late
2021
03-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 3 days late
2020
31-12
Financial
Equity above €500,000Eq €597,368 ▲30.3%
3 profitable years in a row build equity to €597,368.
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 60 days late
2019
09-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 70 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Haaltert · 1 establishment unit since 1997
Ground area
491 m²
Building footprint
250 m²
Volume, LiDAR
1,639 m³
Parcel 41010B0940/00F000, Flanders · tallest building 12.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Dorp(DE) 67, 9450 Haaltert
since 19972.220.605.459
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41010B0940/00F000 | Flanders | 491 m² | 1 · 250 m² | 12.6 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 2 entries · 456 EUR awarded · 456 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 211 EUR | 211 EUR |
| 2022 | 1 | 245 EUR | 245 EUR |
Recognitions · licences · registrations
Legal Entity Identifier
894500UL7UULLMHK7F81
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Of 4,674 companies in sector 66220 we hold annual accounts for 3,222. 2,200 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
Founded12-05-1997
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0460648347
Also
9925:BE0460648347
Registered
23-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.