Summary
Holding AS has a registered holding activity and consists mainly of financial fixed assets; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €904,385 and a net result of €104,347. Equity is growing by ~27% per year across the filed fiscal years. Its solvency ranks better than 37% of 3392 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Holding: general score not applicable
The company has a registered holding activity and financial fixed assets account for more than half of its assets. The general operating-company model is unsuitable for this profile, so we show no financial axes either. Filed figures remain available.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
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 30-07-2026, 1 day ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
1 d early
2024
6 d early
2023
9 d early
2022
3 d early
2021
26 d late
2020
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 6 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% 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 28 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
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Subsidies Which other companies belong to the same group?UMAIN · 11 companies
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, abbreviated schema
Equity
€904,385▲ 13.0%
2024 · €800,038
Total assets
€3.1m▼ 2.4%
2024 · €3.1m
Net result
€104,347▲ 230%
2024 · €31,627
Working capital
-€426,930▼ 23.1%
2024 · -€346,842
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 69, Legal and accounting 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€318,246▲ 1,000%€356,559▲ 12.0%€336,228▼ 5.7%€108,918▼ 67.6%€195,106▲ 79.1%
Net result€234,518within the sector's middle half▲ 1,118%€256,066within the sector's middle half▲ 9.2%€238,578within the sector's middle half▼ 6.8%€31,627within the sector's middle half▼ 86.7%€104,347within the sector's middle half▲ 230%
Equity€273,767within the sector's middle half▲ 598%€529,833within the sector's middle half▲ 93.5%€768,411within the sector's middle half▲ 45.0%€800,038within the sector's middle half▲ 4.1%€904,385above the sector's middle half▲ 13.0%
Total assets€3.2mabove the sector's middle half▲ 766%€3.3mabove the sector's middle half▲ 3.2%€3.2mabove the sector's middle half▼ 3.1%€3.1mabove the sector's middle half▼ 0.8%€3.1mabove the sector's middle half▼ 2.4%
Debt€2.9m▲ 786%€2.7m▼ 5.3%€2.4m▼ 12.5%€2.3m▼ 2.4%€2.2m▼ 7.7%
Working capital-€22,651below the sector's middle half-€13,418below the sector's middle half▲ 40.8%-€21,673below the sector's middle half▼ 61.5%-€346,842below the sector's middle half▼ 1,500%-€426,930below the sector's middle half▼ 23.1%
Solvency8.7%below the sector's middle half▼ 2.1pp16.2%within the sector's middle half▲ 7.6pp24.3%within the sector's middle half▲ 8.1pp25.5%within the sector's middle half▲ 1.2pp29.5%within the sector's middle half▲ 4.0pp
Current ratio0.95below the sector's middle half▼ 0.100.98below the sector's middle half▲ 0.030.95below the sector's middle half▼ 0.020.41below the sector's middle half▼ 0.540.29below the sector's middle half▼ 0.13
Return on assets (ROA)7.4%within the sector's middle half▲ 2.1pp7.8%within the sector's middle half▲ 0.4pp7.5%within the sector's middle half▼ 0.3pp1.0%below the sector's middle half▼ 6.5pp3.4%within the sector's middle half▲ 2.4pp
Staff (FTE)1below the sector's middle half0below the sector's middle half▼ 100%0below the sector's middle half
above
within
below
the middle half (P25 to P75) of NACE 69, Legal and accounting 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.
Why a figure moved sharply
- 2021 Net result +1,118% on 2020. The accounts now follow the abbreviated schema, last year the micro schema.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 79% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.1m
Fixed assets
€2.9m ▼ 0.2%
Current assets
€173,816 ▼ 29.2%
Equity and liabilities €3.1m
Equity
€904,385 ▲ 13.0%
Debt
€2.2m ▼ 7.7%
Debt's share of the balance-sheet total falls from 74.5% to 70.5%. Equity is higher and debt is lower.
Key figures and ratios
ROE
11.5%▲
2024 · 4.0%
Debt ≤ 1 year
€600,746▲
2024 · €592,299
Debt > 1 year
€1.6m▼
2024 · €1.7m
Income taxes
€41,030▲
2024 · €11,291
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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €32,123 | - |
| Remuneration, social security and pensions62 | €11,447 | -€252 | €0 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €0 | - | - | - | - | - |
| Other operating charges640/8 | €2,298 | €7,501 | €3,477 | €1,108 | €1,157 | ▲ 4.4% |
| Gross operating margin9900 | €331,991 | €363,809 | €339,705 | €110,026 | €196,263 | ▲ 78.4% |
| Operating profit (loss)9901 | €318,246 | €356,559 | €336,228 | €108,918 | €195,106 | ▲ 79.1% |
| Financial income75/76B | - | - | €750 | €981 | €5,038 | ▲ 413% |
| Recurring financial income75 | - | - | €750 | €981 | €5,038 | ▲ 413% |
| Financial charges65/66B | €3,679 | €15,066 | €20,175 | €66,982 | €54,767 | ▼ 18.2% |
| Recurring financial charges65 | €3,679 | €15,066 | €20,175 | €66,982 | €54,767 | ▼ 18.2% |
| Profit (loss) for the period before taxes9903 | €314,567 | €341,493 | €316,803 | €42,918 | €145,377 | ▲ 239% |
| Income taxes67/77 | €80,049 | €85,427 | €78,225 | €11,291 | €41,030 | ▲ 263% |
| Profit (loss) for the period9904 | €234,518 | €256,066 | €238,578 | €31,627 | €104,347 | ▲ 230% |
| Profit (loss) for the period to be appropriated9905 | €234,518 | €256,066 | €238,578 | €31,627 | €104,347 | ▲ 230% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3.2m | €3.3m | €3.2m | €3.1m | €3.1m | ▼ 2.4% |
| Fixed assets21/28 | €2.7m | €2.7m | €2.7m | €2.9m | €2.9m | ▼ 0.2% |
| Tangible fixed assets22/27 | €0 | - | - | - | - | - |
| Furniture and vehicles24 | €0 | - | - | - | - | - |
| Financial fixed assets28 | €2.7m | €2.7m | €2.7m | €2.9m | €2.9m | ▼ 0.2% |
| Current assets29/58 | €430,458 | €533,214 | €430,718 | €245,457 | €173,816 | ▼ 29.2% |
| Amounts receivable within one year40/41 | €400,043 | €469,460 | €294,995 | €231,494 | €171,079 | ▼ 26.1% |
| Trade receivables40 | €389,043 | €458,460 | €261,989 | €154,158 | €160,275 | ▲ 4.0% |
| Other amounts receivable41 | €11,000 | €11,000 | €33,006 | €77,335 | €10,803 | ▼ 86.0% |
| Current investments50/53 | - | - | €90,000 | €0 | - | - |
| Cash at bank and in hand54/58 | €30,415 | €63,754 | €45,723 | €13,963 | €2,737 | ▼ 80.4% |
| Deferred charges and accrued income490/1 | €0 | - | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3.2m | €3.3m | €3.2m | €3.1m | €3.1m | ▼ 2.4% |
| Equity10/15 | €273,767 | €529,833 | €768,411 | €800,038 | €904,385 | ▲ 13.0% |
| Contributions10/11 | €20,000 | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Reserves13 | €253,767 | €509,833 | €748,411 | €780,038 | €884,385 | ▲ 13.4% |
| Distributable reserves133 | €253,767 | €509,833 | €748,411 | €780,038 | €884,385 | ▲ 13.4% |
| Amounts payable17/49 | €2.9m | €2.7m | €2.4m | €2.3m | €2.2m | ▼ 7.7% |
| Amounts payable after more than one year17 | €2.4m | €2.2m | €1.9m | €1.7m | €1.6m | ▼ 10.8% |
| Financial debts170/4 | €2.4m | €2.2m | €1.9m | €1.7m | €1.6m | ▼ 10.8% |
| Amounts payable within one year42/48 | €453,109 | €546,632 | €452,391 | €592,299 | €600,746 | ▲ 1.4% |
| Current portion of amounts payable after more than one year42 | €246,833 | €246,833 | €246,833 | €246,833 | €246,833 | = |
| Trade debts44 | €71,723 | €128,176 | €160,708 | €278,116 | €304,790 | ▲ 9.6% |
| Suppliers440/4 | €71,723 | €128,176 | €160,708 | €278,116 | €304,790 | ▲ 9.6% |
| Taxes, remuneration and social security45 | €111,753 | €148,823 | €22,050 | €22,050 | €26,623 | ▲ 20.7% |
| Taxes450/3 | €111,753 | €148,823 | €22,050 | €22,050 | €26,623 | ▲ 20.7% |
| Remuneration and social security454/9 | €0 | - | - | - | - | - |
| Other amounts payable47/48 | €22,800 | €22,800 | €22,800 | €45,300 | €22,500 | ▼ 50.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €234,518 | €256,066 | €238,578 | €31,627 | €104,347 | ▲ 230% |
| + Depreciation and write-downs630 | €0 | - | - | - | - | - |
| Operating cash flow (approximation) | €234,518 | €256,066 | €238,578 | €31,627 | €104,347 | ▲ 230% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€160,000 | €5,000 | ▲ 103% |
| Change in cash | - | €33,339 | -€18,031 | -€31,760 | -€11,226 | ▲ 64.7% |
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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2020net €256,066 ▲9.2%
Operating result €356,559, net result €256,066, both a record.
31-12
Financial
Equity above €500,000Eq €529,833 ▲93.5%
3 profitable years in a row build equity to €529,833.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 26 days late
2021
31-12
Financial
Equity above €200,000Eq €273,767 ▲598%
2 profitable years in a row build equity to €273,767.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
No directors read yet: 0 of 2 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Gent · 1 establishment unit since 2020
Ground area
2,582 m²
Building footprint
443 m²
Volume, LiDAR
1,063 m³
Parcel 44038A0136/00K000, Flanders · tallest building 9.2 m. Linked by address, not a title deed.
10
companies at this address
See who is registered here
1 establishment unit
Holding AS
since 20202.298.054.615
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44038A0136/00K000 | Flanders | 2,582 m² | 1 · 443 m² | 9.2 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
Part of the group
UMAIN
11 companies
Group, risk and exposure
Owners and holdings
1 owner · 6 holdings · 7 subsidiaries in the treeChain of control
- UMAIN
- Holding AS
Highest known parent: UMAIN. The sources do not say who stands above it.
Owners 1
- UMAINparentSourceaccounts UMAIN 2025100%
Holdings 6
-
100%
-
100%
-
67.33%
-
60%
-
60%
-
30%
All subsidiaries, including indirect ones 7
Companies in which this company or one of its subsidiaries holds more than half, or which it consolidates according to the LEI register.
- AdviesIQ 100%
- HRIQ 100%
- IMMOQUATRO 67.33%
JEWO 60%1 subsidiary
- umain Eeklo 100%
umain Gent 60%1 subsidiary
- UMAIN WAARSCHOOT 100%
According to the 2025 annual accounts of Holding AS and those 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
2022 · 1 entry · 1,830 EUR awarded · 1,830 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 1,830 EUR | 1,830 EUR |
Similar companies · same sector, comparable size
VAN DER STUYFT CONSULTING
BE 0480.139.805
Lede · Eq €904,369
ADMINDUS
BE 0555.687.066
Antwerpen · Eq €900,347
DOBBELS TAX & LEGAL
BE 0670.744.607
Wielsbeke · Eq €899,558
VCS-FISC
BE 0687.533.921
Izegem · Eq €899,556
ACCOUNTANCY & TAX VEYS
BE 0476.862.787
Damme · Eq €909,407
Of 12,173 companies in this sector we hold annual accounts for 7,643. 4,636 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded15-01-2020
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
64210Activities of holding companies
82100Office administrative and support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0741568562
Also
9925:BE0741568562
Registered
11-04-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.