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 about 18% per year across the filed financial years. Its solvency ranks better than 44% of 1,804 sector peers (NACE 66, financial year 2025). The company has been active since 2016 and the Belgian Official Gazette contains no insolvency or warning signals.
Financials · financial year 2025, abbreviated format
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
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
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.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€1.4m
2025
Net result€1.1m
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€2.4m
2025
Equity€0.8m
2025
Debt€1.5m
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital€0.8m
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)44.7%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency32.9%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio1.60
2025
Average staff in full-time equivalents (FTE).
Staff (FTE)6.6
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. 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 financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result€0.2m-€0.1m▼ 29.2%€0.3m▲ 220%€0.8m▲ 137%€0.7m▼ 9.3%€0.7m▼ 7.9%€1.2m▲ 78.8%€1.4m▲ 15.3%
Net result€0.1m-€0.08m▼ 20.4%€0.3mabove the sector's middle half▲ 217%€0.6mabove the sector's middle half▲ 134%€0.5mabove the sector's middle half▼ 10.4%€0.5mabove the sector's middle half▼ 7.4%€0.9mabove the sector's middle half▲ 78.9%€1.1mabove the sector's middle half▲ 16.2%
Equity€0.1m-€0.2m▲ 69.9%€0.5mwithin the sector's middle half▲ 131%€0.5mwithin the sector's middle half=€0.6mwithin the sector's middle half▲ 32.0%€0.7mwithin the sector's middle half▲ 17.6%€0.7mwithin the sector's middle half▲ 1.0%€0.8mabove the sector's middle half▲ 7.5%
Total assets€1.0m-€0.9m▼ 6.7%€1.2mwithin the sector's middle half▲ 37.5%€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€0.8m-€0.7m▼ 17.3%€0.8m▲ 10.9%€1.4m▲ 75.7%€1.0m▼ 28.2%€0.8m▼ 14.8%€1.4m▲ 62.0%€1.5m▲ 13.4%
Working capital€0.4m-€0.4m▲ 8.0%€0.5mabove the sector's middle half▲ 28.1%€0.4mabove the sector's middle half▼ 12.0%€0.5mabove the sector's middle half▲ 19.9%€0.7mabove the sector's middle half▲ 29.8%€0.8mabove the sector's middle half▲ 10.0%€0.8mabove the sector's middle half▲ 9.1%
Solvency12.2%-22.2%▲ 10.0pp37.2%within the sector's middle half▲ 15.0pp25.1%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 ratio1.66-1.83▲ 0.171.97within the sector's middle half▲ 0.141.38within 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)10.7%-9.1%▼ 1.6pp21.1%above the sector's middle half▲ 11.9pp33.4%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)1.8-1.8=2within the sector's middle half▲ 11.1%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 of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the abbreviated or micro format does not require them.
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 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €0.2m | €0.3m | €0.4m | €0.5m | €0.5m | ▲ 1.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €0.01m | €0.01m | €0.03m | €0.05m | €0.06m | €0.06m | €0.06m | €0.07m | ▲ 8.9% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | - | €0.006m | €0.005m | €0.01m | €0.02m | €0.007m | ▼ 55.0% |
| Other operating charges640/8 | - | - | - | €0.006m | €0.006m | €0.008m | €0.007m | €0.007m | ▲ 5.4% |
| Non-recurring operating charges66A | - | - | - | €0.009m | €0.01m | €0 | - | - | - |
| Gross operating margin9900 | €0.3m | €0.3m | €0.5m | €1.1m | €1.1m | €1.2m | €1.8m | €2.0m | ▲ 10.7% |
| Operating profit (loss)9901 | €0.2m | €0.1m | €0.3m | €0.8m | €0.7m | €0.7m | €1.2m | €1.4m | ▲ 15.3% |
| Financial income75/76B | - | - | - | €138 | €4 | €0.001m | €0.006m | €0.004m | ▼ 25.3% |
| Recurring financial income75 | €81 | €0 | €1 | €138 | €4 | €0.001m | €0.006m | €0.004m | ▼ 25.3% |
| Financial charges65/66B | - | - | - | €0.003m | €0.005m | €0.005m | €0.005m | €0.004m | ▼ 14.3% |
| Recurring financial charges65 | €0.003m | €0.003m | €0.002m | €0.003m | €0.005m | €0.005m | €0.005m | €0.004m | ▼ 14.3% |
| Profit (loss) for the period before taxes9903 | €0.2m | €0.1m | €0.3m | €0.8m | €0.7m | €0.7m | €1.2m | €1.4m | ▲ 15.2% |
| Income taxes67/77 | €0.05m | €0.02m | €0.09m | €0.2m | €0.2m | €0.2m | €0.3m | €0.4m | ▲ 12.6% |
| Profit (loss) for the period9904 | €0.1m | €0.08m | €0.3m | €0.6m | €0.5m | €0.5m | €0.9m | €1.1m | ▲ 16.2% |
| Profit (loss) for the period to be appropriated9905 | €0.1m | €0.08m | €0.3m | €0.6m | €0.5m | €0.5m | €0.9m | €1.1m | ▲ 16.2% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €1.0m | €0.9m | €1.2m | €1.8m | €1.6m | €1.6m | €2.1m | €2.4m | ▲ 11.5% |
| Formation expenses20 | €0 | - | - | - | - | - | - | - | - |
| Fixed assets21/28 | €0.04m | €0.02m | €0.2m | €0.2m | €0.2m | €0.2m | €0.1m | €0.1m | ▲ 14.5% |
| Intangible fixed assets21 | €0.03m | €0.02m | €0.2m | €0.2m | €0.2m | €0.1m | €0.09m | €0.05m | ▼ 47.5% |
| Tangible fixed assets22/27 | €0.003m | €0.001m | €0.007m | €0.04m | €0.03m | €0.04m | €0.03m | €0.08m | ▲ 219% |
| Furniture and vehicles24 | - | - | - | €0.04m | €0.03m | €0.04m | €0.03m | €0.08m | ▲ 219% |
| Financial fixed assets28 | €0.005m | €0 | - | - | - | - | - | - | - |
| Current assets29/58 | €0.9m | €0.9m | €1.0m | €1.6m | €1.4m | €1.4m | €2.0m | €2.2m | ▲ 11.3% |
| Stocks and contracts in progress3 | €0 | - | - | - | - | - | - | - | - |
| Amounts receivable within one year40/41 | €0.5m | €0.5m | €0.4m | €1.0m | €0.7m | €0.8m | €0.9m | €1.5m | ▲ 61.7% |
| Trade receivables40 | - | - | - | €0.8m | €0.6m | €0.8m | €0.9m | €0.9m | ▼ 0.2% |
| Other amounts receivable41 | - | - | - | €0.2m | €0.03m | €0.03m | €0.03m | €0.6m | ▲ 1,851% |
| Current investments50/53 | €0 | - | - | - | €0.006m | €0.01m | €0.03m | €0.04m | ▲ 26.6% |
| Cash at bank and in hand54/58 | €0.1m | €0.1m | €0.3m | €0.3m | €0.3m | €0.2m | €0.7m | €0.3m | ▼ 56.8% |
| Deferred charges and accrued income490/1 | - | - | - | €0.4m | €0.3m | €0.4m | €0.3m | €0.3m | ▲ 22.1% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €1.0m | €0.9m | €1.2m | €1.8m | €1.6m | €1.6m | €2.1m | €2.4m | ▲ 11.5% |
| Equity10/15 | €0.1m | €0.2m | €0.5m | €0.5m | €0.6m | €0.7m | €0.7m | €0.8m | ▲ 7.5% |
| Contributions10/11 | €0.01m | €0.01m | €0 | €0.01m | €0.01m | €0.01m | €0.01m | €0.01m | = |
| Contributions outside capital11 | - | - | - | €0.01m | - | - | - | - | - |
| Other1109/19 | - | - | - | €0.01m | - | - | - | - | - |
| Reserves13 | €0.1m | €0.2m | €0.4m | €0.4m | €0.6m | €0.7m | €0.7m | €0.8m | ▲ 7.6% |
| Non-distributable reserves130/1 | - | - | - | €0.2m | €0 | - | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €0.002m | €0 | - | - | - | - |
| Financial assistance1313 | - | - | - | €0.2m | €0 | - | - | - | - |
| Distributable reserves133 | - | - | - | €0.2m | €0.6m | €0.7m | €0.7m | €0.8m | ▲ 7.6% |
| Profit (loss) carried forward14 | €0 | - | - | €150 | €0 | €0 | €0 | €0 | - |
| Provisions and deferred taxes16 | €0 | - | - | €0.006m | €0.01m | €0.02m | €0.04m | €0.05m | ▲ 17.3% |
| Provisions for liabilities and charges160/5 | - | - | - | €0.006m | €0.01m | €0.02m | €0.04m | €0.05m | ▲ 17.3% |
| Environmental obligations163 | - | - | - | €0.006m | - | - | - | - | - |
| Other liabilities and charges164/5 | - | - | - | - | €0.01m | €0.02m | €0.04m | €0.05m | ▲ 17.3% |
| Amounts payable17/49 | €0.8m | €0.7m | €0.8m | €1.4m | €1.0m | €0.8m | €1.4m | €1.5m | ▲ 13.4% |
| Amounts payable after more than one year17 | €0.03m | €0 | €0.06m | €0.04m | €0.03m | €0.01m | €0 | €0.03m | - |
| Financial debts170/4 | - | - | - | €0.04m | €0.03m | €0.01m | €0 | €0.03m | - |
| Amounts payable within one year42/48 | €0.6m | €0.5m | €0.5m | €1.2m | €0.8m | €0.7m | €1.2m | €1.4m | ▲ 12.7% |
| Current portion of amounts payable after more than one year42 | - | - | - | €0.01m | €0.01m | €0.01m | €0.01m | €0.01m | ▼ 23.6% |
| Trade debts44 | €0.5m | €0.4m | €0.4m | €0.3m | €0.2m | €0.2m | €0.1m | €0.1m | ▲ 10.2% |
| Suppliers440/4 | - | - | - | €0.3m | €0.2m | €0.2m | €0.1m | €0.1m | ▲ 10.2% |
| Taxes, remuneration and social security45 | - | - | - | €0.2m | €0.3m | €0.08m | €0.2m | €0.3m | ▲ 22.5% |
| Taxes450/3 | - | - | - | €0.2m | €0.2m | €0.02m | €0.2m | €0.2m | ▲ 28.4% |
| Remuneration and social security454/9 | - | - | - | €0.03m | €0.03m | €0.06m | €0.06m | €0.06m | ▲ 7.0% |
| Other amounts payable47/48 | - | - | - | €0.6m | €0.4m | €0.4m | €0.9m | €1.0m | ▲ 11.1% |
| Accrued charges and deferred income492/3 | - | - | - | €0.2m | €0.1m | €0.1m | €0.1m | €0.1m | ▼ 3.6% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €0.1m | €0.08m | €0.3m | €0.6m | €0.5m | €0.5m | €0.9m | €1.1m | ▲ 16.2% |
| + Depreciation and write-downs630 | €0.01m | €0.01m | €0.03m | €0.05m | €0.06m | €0.06m | €0.06m | €0.07m | ▲ 8.9% |
| Operating cash flow (approximation) | €0.1m | €0.09m | €0.3m | €0.7m | €0.6m | €0.6m | €1.0m | €1.1m | ▲ 15.7% |
| Investment in fixed assets (approximation) | - | €0.005m | -€0.2m | -€0.07m | -€0.07m | -€0.01m | -€0.003m | -€0.09m | ▼ 3,326% |
| Change in cash | - | -€0.03m | €0.2m | -€0.08m | €0.09m | -€0.2m | €0.5m | -€0.4m | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (9)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | abbreviated format | 03-07-2026 | 2026-00252986 |
| 31-12-2024 | abbreviated format | 10-07-2025 | 2025-00264406 |
| 31-12-2023 | abbreviated format | 28-06-2024 | 2024-00184229 |
| 31-12-2022 | abbreviated format | 26-07-2023 | 2023-00271590 |
| 31-12-2021 | abbreviated format | 18-07-2022 | 2022-20195211 |
| 31-12-2020 | abbreviated format | 12-08-2021 | 2021-48000357 |
| 31-12-2019 | micro format | 17-07-2020 | 2020-31300244 |
| 31-12-2018 | micro format | 28-08-2019 | 2019-54200484 |
| 31-12-2017 | abbreviated format | 26-06-2018 | 2018-24100011 |
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Of the 4,608 active companies whose main activity is insurance agents and brokers (NACE 66220), figures are known for 3,208. 2,335 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Subsidies and aid
Flemish government
2023 to 2024 · 2 entries · €4,270 awarded · €3,990 paid| Year | Entries | Awarded | Paid |
|---|---|---|---|
| 2024 | 1 | €280 | €1,710 |
| 2023 | 1 | €3,990 | €2,280 |
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.