Summary
HELDER PLAN 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 €776,110 and a net result of €1.1m. Equity is growing by ~17.8% per year across the filed fiscal years. Its solvency ranks better than 44% of 1534 sector peers (fiscal year 2025). The company has been active since 2016 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 03-07-2026, 28 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
28 d early
2024
21 d early
2023
33 d early
2022
5 d early
2021
13 d early
2020
12 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 15 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 10 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, abbreviated schema
Equity
€776,110▲ 7.5%
2024 · €722,185
Net result
€1.1m▲ 16.2%
2024 · €907,335
Total assets
€2.4m▲ 11.5%
2024 · €2.1m
Solvency
32.9%▼ 1.2pp
2024 · 34.2%
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
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), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€823,812▲ 137%€746,902▼ 9.3%€687,978▼ 7.9%€1.2m▲ 78.8%€1.4m▲ 15.3%
Net result€610,650above the sector's middle half▲ 134%€547,394above the sector's middle half▼ 10.4%€507,158above the sector's middle half▼ 7.4%€907,335above the sector's middle half▲ 78.9%€1.1mabove the sector's middle half▲ 16.2%
Equity€460,298within the sector's middle half=€607,691within the sector's middle half▲ 32.0%€714,850within the sector's middle half▲ 17.6%€722,185within the sector's middle half▲ 1.0%€776,110above the sector's middle half▲ 7.5%
Total assets€1.8mabove the sector's middle half▲ 48.0%€1.6mwithin the sector's middle half▼ 12.7%€1.6mwithin the sector's middle half▼ 1.5%€2.1mabove the sector's middle half▲ 34.3%€2.4mabove the sector's middle half▲ 11.5%
Debt€1.4m▲ 75.7%€979,969▼ 28.2%€834,676▼ 14.8%€1.4m▲ 62.0%€1.5m▲ 13.4%
Working capital€449,159above the sector's middle half▼ 12.0%€538,740above the sector's middle half▲ 19.9%€699,376above the sector's middle half▲ 29.8%€769,003above the sector's middle half▲ 10.0%€839,251above the sector's middle half▲ 9.1%
Solvency25.1%within the sector's middle half▼ 12.1pp38.0%within the sector's middle half▲ 12.9pp45.4%within the sector's middle half▲ 7.4pp34.2%within the sector's middle half▼ 11.3pp32.9%within the sector's middle half▼ 1.2pp
Current ratio1.38within the sector's middle half▼ 0.581.65within the sector's middle half▲ 0.262.00within the sector's middle half▲ 0.351.62within the sector's middle half▼ 0.381.60within the sector's middle half▼ 0.02
Return on assets (ROA)33.4%above the sector's middle half▲ 12.3pp34.2%above the sector's middle half▲ 0.9pp32.2%above the sector's middle half▼ 2.0pp42.9%above the sector's middle half▲ 10.7pp44.7%above the sector's middle half▲ 1.8pp
Staff (FTE)4.1within the sector's middle half▲ 105%5.1within the sector's middle half▲ 24.4%5.9within the sector's middle half▲ 15.7%6within the sector's middle half▲ 1.7%6.6within the sector's middle half▲ 10.0%
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
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 15% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.4m
Fixed assets
€130,556 ▲ 14.5%
Current assets
€2.2m ▲ 11.3%
Equity and liabilities €2.4m
Equity
€776,110 ▲ 7.5%
Provisions
€47,018 ▲ 17.3%
Debt
€1.5m ▲ 13.4%
Debt's share of the balance-sheet total rises from 64.0% to 65.1%. Equity and debt are higher.
Key figures and ratios
ROE
135.8%▲
2024 · 125.6%
Debt ≤ 1 year
€1.4m▲
2024 · €1.2m
Debt > 1 year
€30,304▲
2024 · €0
Income taxes
€365,044▲
2024 · €324,148
Staff costs
€508,346▲
2024 · €500,118
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 | €237,441 | €313,885 | €432,668 | €500,118 | €508,346 | ▲ 1.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €52,568 | €57,733 | €61,643 | €63,643 | €69,298 | ▲ 8.9% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | €5,800 | €5,250 | €13,626 | €15,411 | €6,931 | ▼ 55.0% |
| Other operating charges640/8 | €5,785 | €5,627 | €8,343 | €6,937 | €7,313 | ▲ 5.4% |
| Non-recurring operating charges66A | €8,609 | €13,226 | €0 | - | - | - |
| Gross operating margin9900 | €1.1m | €1.1m | €1.2m | €1.8m | €2.0m | ▲ 10.7% |
| Operating profit (loss)9901 | €823,812 | €746,902 | €687,978 | €1.2m | €1.4m | ▲ 15.3% |
| Financial income75/76B | €138 | €4 | €1,066 | €5,853 | €4,371 | ▼ 25.3% |
| Recurring financial income75 | €138 | €4 | €1,066 | €5,853 | €4,371 | ▼ 25.3% |
| Financial charges65/66B | €3,328 | €4,780 | €5,125 | €4,505 | €3,861 | ▼ 14.3% |
| Recurring financial charges65 | €3,328 | €4,780 | €5,125 | €4,505 | €3,861 | ▼ 14.3% |
| Profit (loss) for the period before taxes9903 | €820,622 | €742,126 | €683,919 | €1.2m | €1.4m | ▲ 15.2% |
| Income taxes67/77 | €209,972 | €194,732 | €176,761 | €324,148 | €365,044 | ▲ 12.6% |
| Profit (loss) for the period9904 | €610,650 | €547,394 | €507,158 | €907,335 | €1.1m | ▲ 16.2% |
| Profit (loss) for the period to be appropriated9905 | €610,650 | €547,394 | €507,158 | €907,335 | €1.1m | ▲ 16.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.8m | €1.6m | €1.6m | €2.1m | €2.4m | ▲ 11.5% |
| Fixed assets21/28 | €212,741 | €225,426 | €175,145 | €114,008 | €130,556 | ▲ 14.5% |
| Intangible fixed assets21 | €175,521 | €197,894 | €139,392 | €87,506 | €45,913 | ▼ 47.5% |
| Tangible fixed assets22/27 | €37,220 | €27,532 | €35,753 | €26,502 | €84,643 | ▲ 219% |
| Furniture and vehicles24 | €37,220 | €27,532 | €35,753 | €26,502 | €84,643 | ▲ 219% |
| Current assets29/58 | €1.6m | €1.4m | €1.4m | €2.0m | €2.2m | ▲ 11.3% |
| Amounts receivable within one year40/41 | €993,417 | €683,426 | €838,234 | €943,595 | €1.5m | ▲ 61.7% |
| Trade receivables40 | €753,520 | €649,427 | €803,419 | €912,050 | €910,240 | ▼ 0.2% |
| Other amounts receivable41 | €239,897 | €33,999 | €34,814 | €31,545 | €615,580 | ▲ 1,851% |
| Current investments50/53 | - | €6,143 | €10,726 | €30,387 | €38,468 | ▲ 26.6% |
| Cash at bank and in hand54/58 | €262,868 | €349,850 | €199,490 | €749,489 | €324,049 | ▼ 56.8% |
| Deferred charges and accrued income490/1 | €361,449 | €333,866 | €350,607 | €277,102 | €338,295 | ▲ 22.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.8m | €1.6m | €1.6m | €2.1m | €2.4m | ▲ 11.5% |
| Equity10/15 | €460,298 | €607,691 | €714,850 | €722,185 | €776,110 | ▲ 7.5% |
| Contributions10/11 | €12,401 | €12,401 | €12,401 | €12,401 | €12,401 | = |
| Outside capital11 | €12,401 | - | - | - | - | - |
| Other1109/19 | €12,401 | - | - | - | - | - |
| Reserves13 | €447,747 | €595,290 | €702,449 | €709,784 | €763,709 | ▲ 7.6% |
| Non-distributable reserves130/1 | €226,860 | €0 | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €0 | - | - | - | - |
| Financial assistance1313 | €225,000 | €0 | - | - | - | - |
| Distributable reserves133 | €220,887 | €595,290 | €702,449 | €709,784 | €763,709 | ▲ 7.6% |
| Profit (loss) carried forward14 | €150 | €0 | €0 | €0 | €0 | - |
| Provisions and deferred taxes16 | €5,800 | €11,050 | €24,676 | €40,087 | €47,018 | ▲ 17.3% |
| Provisions for liabilities and charges160/5 | €5,800 | €11,050 | €24,676 | €40,087 | €47,018 | ▲ 17.3% |
| Environmental obligations163 | €5,800 | - | - | - | - | - |
| Other liabilities and charges164/5 | - | €11,050 | €24,676 | €40,087 | €47,018 | ▲ 17.3% |
| Amounts payable17/49 | €1.4m | €979,969 | €834,676 | €1.4m | €1.5m | ▲ 13.4% |
| Amounts payable after more than one year17 | €42,726 | €28,731 | €14,490 | €0 | €30,304 | - |
| Financial debts170/4 | €42,726 | €28,731 | €14,490 | €0 | €30,304 | - |
| Amounts payable within one year42/48 | €1.2m | €834,544 | €699,680 | €1.2m | €1.4m | ▲ 12.7% |
| Current portion of amounts payable after more than one year42 | €13,755 | €13,996 | €14,241 | €14,490 | €11,068 | ▼ 23.6% |
| Trade debts44 | €308,592 | €151,543 | €204,685 | €95,879 | €105,688 | ▲ 10.2% |
| Suppliers440/4 | €308,592 | €151,543 | €204,685 | €95,879 | €105,688 | ▲ 10.2% |
| Taxes, remuneration and social security45 | €210,711 | €254,828 | €79,095 | €219,082 | €268,452 | ▲ 22.5% |
| Taxes450/3 | €176,691 | €221,963 | €19,146 | €159,137 | €204,338 | ▲ 28.4% |
| Remuneration and social security454/9 | €34,019 | €32,865 | €59,949 | €59,945 | €64,114 | ▲ 7.0% |
| Other amounts payable47/48 | €635,518 | €414,177 | €401,660 | €902,118 | €1.0m | ▲ 11.1% |
| Accrued charges and deferred income492/3 | €153,075 | €116,695 | €120,506 | €120,740 | €116,375 | ▼ 3.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €610,650 | €547,394 | €507,158 | €907,335 | €1.1m | ▲ 16.2% |
| + Depreciation and write-downs630 | €52,568 | €57,733 | €61,643 | €63,643 | €69,298 | ▲ 8.9% |
| Operating cash flow (approximation) | €663,218 | €605,126 | €568,802 | €970,978 | €1.1m | ▲ 15.7% |
| Investment in fixed assets (approximation) | - | -€70,418 | -€11,362 | -€2,506 | -€85,846 | ▼ 3,326% |
| Change in cash | - | €86,981 | -€150,360 | €549,999 | -€425,440 | ▼ 177% |
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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €1.1m ▲16.2%
Operating result €1.4m, net result €1.1m, both a record.
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €500,000Eq €607,691 ▲32%
5 profitable years in a row build equity to €607,691.
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 12 days late
2020
31-12
Financial
Equity above €200,000Eq €460,148 ▲131%
3 profitable years in a row build equity to €460,148.
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €82,093 ▼20.4%
Net result drops to €82,093, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €150,000Eq €199,528 ▲69.9%
2 profitable years in a row build equity to €199,528.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 14 acts read
About the unread acts
We know of 14 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
No directors read yet: 0 of 14 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Hasselt · 1 establishment unit since 2016
Ground area
2.9 ha
Building footprint
2,492 m²
Volume, LiDAR
82 m³
Parcel 71322A0540/00G003, Flanders · tallest building 2.6 m. Linked by address, not a title deed.
30
companies at this address
See who is registered here
1 establishment unit
AYUDA
since 20162.257.372.419
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71322A0540/00G003 | Flanders | 2.9 ha | 1 · 2,491 m² | 2.6 m |
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.
Structure & network
Owners and holdings
1 ownerChain of control
- HELDER GROEP
- HELDER PLAN
Highest known parent: HELDER GROEP. The sources do not say who stands above it.
Owners 1
- HELDER GROEPparent100%
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
No current directors or connected companies found in the register.
Subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 4,270 EUR awarded · 3,990 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 280 EUR | 1,710 EUR |
| 2023 | 1 | 3,990 EUR | 2,280 EUR |
Recognitions · licences · registrations
Legal Entity Identifier
894500D5S0938GTGUL42
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Company details
Identification
Legal formPrivate limited company
Founded30-06-2016
Fiscal year end31-12
Trade name NL
AYUDA
Activities, NACEBEL 2025
66199Other activities auxiliary to financial services, excluding insurance and pension funding
66220Insurance agents and brokers
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0657861027
Registered
03-03-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.