Summary
HOLFING is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €2.3m and a net result of €8,370. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 76% of 6166 sector peers (fiscal year 2024). The company has been active since 2019 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 31-12-2024 was due by 31-07-2025 and was filed on 24-07-2025, 7 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
7 d early
2023
27 d late
2022
on the day
2021
25 d late
2020
2 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 9 days after 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 (1)
History
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Financials · fiscal year 2024, abbreviated schema
Equity
€2.3m▲ 0.4%
2023 · €2.3m
Net result
€8,370▲ 384%
2023 · €1,728
Total assets
€2.9m▼ 0.5%
2023 · €2.9m
Solvency
79.8%▲ 0.7pp
2023 · 79.1%
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
Line20202021202220232024
Operating result€17,185-€21,856▲ 27.2%€21,167▼ 3.2%€14,690▼ 30.6%€19,574▲ 33.2%
Net result€7,347within the sector's middle half-€10,849within the sector's middle half▲ 47.7%€8,774within the sector's middle half▼ 19.1%€1,728below the sector's middle half▼ 80.3%€8,370within the sector's middle half▲ 384%
Equity€2.3mabove the sector's middle half-€2.3mabove the sector's middle half▲ 0.5%€2.3mabove the sector's middle half▲ 0.4%€2.3mabove the sector's middle half▲ 0.1%€2.3mabove the sector's middle half▲ 0.4%
Total assets€2.9mwithin the sector's middle half-€2.9mwithin the sector's middle half▼ 0.3%€2.9mwithin the sector's middle half▼ 0.2%€2.9mwithin the sector's middle half▼ 0.6%€2.9mwithin the sector's middle half▼ 0.5%
Debt€452,448-€443,907▼ 1.9%€436,195▼ 1.7%€422,541▼ 3.1%€409,517▼ 3.1%
Working capital-€172,721within the sector's middle half-€121,882within the sector's middle half€117,961within the sector's middle half▼ 3.2%€108,103within the sector's middle half▼ 8.4%€105,865within the sector's middle half▼ 2.1%
Solvency77.5%above the sector's middle half-78.1%above the sector's middle half▲ 0.6pp78.6%above the sector's middle half▲ 0.5pp79.1%above the sector's middle half▲ 0.5pp79.8%above the sector's middle half▲ 0.7pp
Current ratio0.53within the sector's middle half-1.34within the sector's middle half▲ 0.811.33within the sector's middle half▼ 0.011.31within the sector's middle half▼ 0.021.31within the sector's middle half=
Return on assets (ROA)0.3%below the sector's middle half-0.4%below the sector's middle half▲ 0.1pp0.3%below the sector's middle half▼ 0.1pp0.1%below the sector's middle half▼ 0.2pp0.3%below the sector's middle half▲ 0.2pp
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 recovers in 2024; 2024 is 33% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €2.9m
Fixed assets
€2.4m ▼ 0.1%
Current assets
€446,947 ▼ 2.4%
Equity and liabilities €2.9m
Equity
€2.3m ▲ 0.4%
Provisions
€169,289 ▼ 4.8%
Debt
€409,517 ▼ 3.1%
Debt's share of the balance-sheet total falls from 14.7% to 14.3%. Equity is higher and debt is lower.
Key figures and ratios
ROE
0.4%▲
2023 · 0.1%
Debt ≤ 1 year
€341,082▼
2023 · €349,631
Debt > 1 year
€68,435▼
2023 · €72,910
Income taxes
€2,629▲
2023 · €1,199
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | - | €562 | €0 | ▼ 100% |
| Other operating charges640/8 | - | €459 | €980 | €2,159 | €1,339 | ▼ 38.0% |
| Gross operating margin9900 | €17,641 | €22,315 | €22,147 | €17,411 | €20,913 | ▲ 20.1% |
| Operating profit (loss)9901 | €17,185 | €21,856 | €21,167 | €14,690 | €19,574 | ▲ 33.2% |
| Financial income75/76B | - | €0 | €0 | €3,063 | €3,056 | ▼ 0.2% |
| Recurring financial income75 | €0 | €0 | €0 | €3,063 | €3,056 | ▼ 0.2% |
| Financial charges65/66B | - | €7,293 | €11,216 | €14,827 | €11,631 | ▼ 21.6% |
| Recurring financial charges65 | €6,753 | €7,293 | €11,216 | €14,827 | €11,631 | ▼ 21.6% |
| Profit (loss) for the period before taxes9903 | €10,432 | €14,564 | €9,951 | €2,926 | €10,998 | ▲ 276% |
| Income taxes67/77 | €3,085 | €3,715 | €1,176 | €1,199 | €2,629 | ▲ 119% |
| Profit (loss) for the period9904 | €7,347 | €10,849 | €8,774 | €1,728 | €8,370 | ▲ 384% |
| Profit (loss) for the period to be appropriated9905 | €7,347 | €10,849 | €8,774 | €1,728 | €8,370 | ▲ 384% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.9m | €2.9m | €2.9m | €2.9m | €2.9m | ▼ 0.5% |
| Fixed assets21/28 | €2.7m | €2.4m | €2.4m | €2.4m | €2.4m | ▼ 0.1% |
| Tangible fixed assets22/27 | - | - | - | €2,438 | €0 | ▼ 100% |
| Furniture and vehicles24 | - | - | - | €2,438 | €0 | ▼ 100% |
| Financial fixed assets28 | €2.7m | €2.4m | €2.4m | €2.4m | €2.4m | = |
| Current assets29/58 | €193,654 | €484,059 | €476,814 | €457,733 | €446,947 | ▼ 2.4% |
| Amounts receivable after more than one year29 | - | €290,832 | - | - | - | - |
| Other amounts receivable291 | - | €290,832 | - | - | - | - |
| Amounts receivable within one year40/41 | €14,100 | €11,692 | €306,755 | €310,720 | €321,063 | ▲ 3.3% |
| Trade receivables40 | - | €11,692 | €0 | - | - | - |
| Other amounts receivable41 | - | - | €306,755 | €310,720 | €321,063 | ▲ 3.3% |
| Cash at bank and in hand54/58 | €179,554 | €181,534 | €170,060 | €146,945 | €125,884 | ▼ 14.3% |
| Deferred charges and accrued income490/1 | - | - | - | €69 | €0 | ▼ 100% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.9m | €2.9m | €2.9m | €2.9m | €2.9m | ▼ 0.5% |
| Equity10/15 | €2.3m | €2.3m | €2.3m | €2.3m | €2.3m | ▲ 0.4% |
| Contributions10/11 | - | €2.2m | €2.2m | €2.2m | €2.2m | = |
| Profit (loss) carried forward14 | €7,347 | €18,197 | €26,971 | €28,699 | €37,068 | ▲ 29.2% |
| Provisions and deferred taxes16 | €202,785 | €190,882 | €182,575 | €177,858 | €169,289 | ▼ 4.8% |
| Provisions for liabilities and charges160/5 | - | €190,882 | €182,575 | €177,858 | €169,289 | ▼ 4.8% |
| Pensions and similar obligations160 | - | - | €182,575 | €177,858 | €169,289 | ▼ 4.8% |
| Other liabilities and charges164/5 | - | €190,882 | - | - | - | - |
| Amounts payable17/49 | €452,448 | €443,907 | €436,195 | €422,541 | €409,517 | ▼ 3.1% |
| Amounts payable after more than one year17 | €86,074 | €81,730 | €77,342 | €72,910 | €68,435 | ▼ 6.1% |
| Financial debts170/4 | - | €81,730 | €77,342 | €72,910 | €68,435 | ▼ 6.1% |
| Amounts payable within one year42/48 | €366,374 | €362,177 | €358,853 | €349,631 | €341,082 | ▼ 2.4% |
| Current portion of amounts payable after more than one year42 | - | €4,344 | €4,388 | €4,432 | €4,476 | ▲ 1.0% |
| Trade debts44 | €26 | - | - | €84 | €170 | ▲ 103% |
| Suppliers440/4 | - | - | - | €84 | €170 | ▲ 103% |
| Taxes, remuneration and social security45 | - | €3,714 | €2,228 | €0 | €366 | - |
| Taxes450/3 | - | €3,714 | €2,228 | €0 | €366 | - |
| Other amounts payable47/48 | - | €354,119 | €352,237 | €345,115 | €336,070 | ▼ 2.6% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €7,347 | €10,849 | €8,774 | €1,728 | €8,370 | ▲ 384% |
| + Depreciation and write-downs630 | - | - | - | €562 | €0 | ▼ 100% |
| Operating cash flow (approximation) | €7,347 | €10,849 | €8,774 | €2,290 | €8,370 | ▲ 265% |
| Investment in fixed assets (approximation) | - | €300,000 | €0 | -€3,000 | €2,438 | ▲ 181% |
| Change in cash | - | €1,981 | -€11,474 | -€23,115 | -€21,061 | ▲ 8.9% |
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
2026
26-06
State Gazette act
Appointments: Désirée Cloet (non-statutory director) and Melissa Floré (day-to-day manager)Resignation: Désirée Cloet (day-to-day manager) · Power of attorney6 facts ▸
State Gazette act
Appointments: Désirée Cloet (non-statutory director) and Melissa Floré (day-to-day manager)
Resignation: Désirée Cloet (day-to-day manager) · Power of attorney6 facts ▸
- General meeting, 19-05-2026
- Director appointment, Désirée Cloet (non-statutory director)
- Board meeting, 19-05-2026
- Director resignation, Désirée Cloet (day-to-day manager)
- Director appointment, Melissa Floré (day-to-day manager)
- Power of attorney, BV Fiduciaire Ryckeman Gebroeders
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 27 days late
2023
31-12
Financial
Weakest financial yearnet €1,728 ▼80.3%
Net result drops to €1,728, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 25 days late
2021
31-12
Financial
Highest result since 2020net €10,849 ▲47.7%
Operating result €21,856, net result €10,849, both a record.
31-12
Financial
Liquidity triplescurrent ratio 1.34
Current ratio from 0.53 to 1.34; short-term debt falls from €366,374 to €362,177.
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 3 acts read
About the unread acts
Of the 3 Belgian State Gazette acts we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 director, 1 in day-to-day management, last change in 2026
Board 1
Désirée Cloet
CurrentNon-statutory director · since 19-05-2026
Day-to-day management 1
Melissa Floré
CurrentDay-to-day manager · since 19-05-2026
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
2 of this company's 3 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Brugge · 1 establishment unit since 2019
Ground area
234 m²
Building footprint
193 m²
Volume, LiDAR
1,499 m³
Parcel 31803C0126/00E000, Flanders · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
HOLFING
since 20192.298.401.835
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31803C0126/00E000 ProtectedMonument · Townscape or village viewDijver, Arentshuis, Gruuthuse en Onze-Lieve-Vrouwekerk met omgevingSource ↗ |
Flanders | 234 m² | 1 · 193 m² | 10.8 m · 3 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.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Mandate history
2 people since 2026, 2 in office
- Board
- Day-to-day management
- began earlier
| Name | Functions and periods |
|---|---|
| Désirée Cloet |
|
| Melissa Floré |
|
Structure & network
Owners and holdings
2 holdingsOwners 0
The accounts to 31-12-2024 list no shareholders, and no other source names one.
Holdings 2
-
100%
-
100%
According to the 2024 annual accounts of HOLFING 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
2 current directorsThe network starts from this company’s directors. Other companies they run appear here as nodes.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 10,529 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
Founded04-12-2019
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0738745763
Registered
27-03-2026
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.