Summary
i-FUTURE 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 €96,462 and a net result of €41,292. Equity is growing by ~85.6% per year across the filed fiscal years. Its solvency ranks better than 37% of 2463 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
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 30-04-2026, 92 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
92 d early
2024
8 d early
2023
76 d early
2022
31 d early
2021
30 d late
2020
89 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 15 days before 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 30 June (5 of the last 5 filed years within 61 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, micro schema
Equity
€96,462▲ 74.8%
2024 · €55,170
Net result
€41,292▼ 9.0%
2024 · €45,400
Total assets
€277,485▼ 0.4%
2024 · €278,476
Solvency
34.8%▲ 15.0pp
2024 · 19.8%
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-€31,766▼ 18.9%€65,504€51,857▼ 20.8%€64,956▲ 25.3%€60,248▼ 7.2%
Net result-€38,572below the sector's middle half▼ 38.6%€56,310within the sector's middle half€19,768within the sector's middle half▼ 64.9%€45,400within the sector's middle half▲ 130%€41,292within the sector's middle half▼ 9.0%
Equity-€66,307below the sector's middle half▼ 139%-€9,997below the sector's middle half▲ 84.9%€9,770below the sector's middle half€55,170within the sector's middle half▲ 465%€96,462within the sector's middle half▲ 74.8%
Total assets€393,637within the sector's middle half▲ 16.4%€457,166within the sector's middle half▲ 16.1%€250,138within the sector's middle half▼ 45.3%€278,476within the sector's middle half▲ 11.3%€277,485within the sector's middle half▼ 0.4%
Debt€459,944▲ 25.7%€467,163▲ 1.6%€240,368▼ 48.5%€223,306▼ 7.1%€181,023▼ 18.9%
Working capital-€173,142below the sector's middle half▼ 18.0%-€159,070below the sector's middle half▲ 8.1%-€63,255below the sector's middle half▲ 60.2%-€15,861below the sector's middle half▲ 74.9%€8,291within the sector's middle half
Solvency-16.8%below the sector's middle half▼ 8.6pp-2.2%below the sector's middle half▲ 14.7pp3.9%below the sector's middle half▲ 6.1pp19.8%below the sector's middle half▲ 15.9pp34.8%within the sector's middle half▲ 15.0pp
Current ratio0.03below the sector's middle half▼ 0.080.00below the sector's middle half▼ 0.030.39below the sector's middle half▲ 0.390.79below the sector's middle half▲ 0.401.13within the sector's middle half▲ 0.34
Return on assets (ROA)-9.8%below the sector's middle half▼ 1.6pp12.3%within the sector's middle half▲ 22.1pp7.9%within the sector's middle half▼ 4.4pp16.3%within the sector's middle half▲ 8.4pp14.9%within the sector's middle half▼ 1.4pp
Staff (FTE)1.7▲ 240%2▲ 17.6%1.3▼ 35.0%0.8▼ 38.5%1▲ 25.0%
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 micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €277,485
Fixed assets
€206,866 ▼ 4.8%
Current assets
€70,619 ▲ 16.0%
Equity and liabilities €277,485
Equity
€96,462 ▲ 74.8%
Debt
€181,023 ▼ 18.9%
Debt's share of the balance-sheet total falls from 80.2% to 65.2%. Equity is higher and debt is lower.
Key figures and ratios
ROE
42.8%▼
2024 · 82.3%
Debt ≤ 1 year
€62,327▼
2024 · €76,750
Debt > 1 year
€116,200▼
2024 · €146,556
Income taxes
€17,247▲
2024 · €16,086
Staff costs
€20,408▲
2024 · €14,186
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 | €69,436 | €67,520 | €19,136 | €14,186 | €20,408 | ▲ 43.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €34,055 | €33,069 | €31,020 | €31,088 | €34,942 | ▲ 12.4% |
| Other operating charges640/8 | €1,846 | €1,403 | €3,506 | €628 | €1,645 | ▲ 162% |
| Non-recurring operating charges66A | - | - | €13,317 | €0 | - | - |
| Gross operating margin9900 | €73,572 | €167,496 | €118,836 | €110,858 | €117,243 | ▲ 5.8% |
| Operating profit (loss)9901 | -€31,766 | €65,504 | €51,857 | €64,956 | €60,248 | ▼ 7.2% |
| Financial income75/76B | €2,891 | €1,563 | €1,334 | €2,982 | €3,233 | ▲ 8.4% |
| Recurring financial income75 | €2,891 | €1,563 | €1,334 | €2,982 | €3,233 | ▲ 8.4% |
| Financial charges65/66B | €9,014 | €10,437 | €27,761 | €6,452 | €4,942 | ▼ 23.4% |
| Recurring financial charges65 | €9,014 | €10,437 | €27,761 | €6,452 | €4,942 | ▼ 23.4% |
| Profit (loss) for the period before taxes9903 | -€37,889 | €56,631 | €25,430 | €61,486 | €58,539 | ▼ 4.8% |
| Income taxes67/77 | €683 | €321 | €5,662 | €16,086 | €17,247 | ▲ 7.2% |
| Profit (loss) for the period9904 | -€38,572 | €56,310 | €19,768 | €45,400 | €41,292 | ▼ 9.0% |
| Profit (loss) for the period to be appropriated9905 | -€38,572 | €56,310 | €19,768 | €45,400 | €41,292 | ▼ 9.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €393,637 | €457,166 | €250,138 | €278,476 | €277,485 | ▼ 0.4% |
| Formation expenses20 | €1,390 | €1,027 | €664 | €301 | €0 | ▼ 100% |
| Fixed assets21/28 | €386,784 | €455,924 | €209,011 | €217,286 | €206,866 | ▼ 4.8% |
| Intangible fixed assets21 | €265,644 | €235,644 | €205,644 | €175,644 | €145,644 | ▼ 17.1% |
| Tangible fixed assets22/27 | €114,390 | €210,981 | €817 | €39,092 | €58,672 | ▲ 50.1% |
| Land and buildings22 | €99,610 | €206,644 | €0 | €38,744 | €54,538 | ▲ 40.8% |
| Plant, machinery and equipment23 | - | - | - | - | €3,132 | - |
| Furniture and vehicles24 | €14,780 | €4,337 | €817 | €348 | €1,003 | ▲ 188% |
| Financial fixed assets28 | €6,750 | €9,300 | €2,550 | €2,550 | €2,550 | = |
| Current assets29/58 | €5,462 | €214 | €40,463 | €60,889 | €70,619 | ▲ 16.0% |
| Amounts receivable within one year40/41 | €0 | - | €39,130 | €48,482 | €67,389 | ▲ 39.0% |
| Other amounts receivable41 | €0 | - | €39,130 | €48,482 | €67,389 | ▲ 39.0% |
| Cash at bank and in hand54/58 | €1,432 | €214 | €0 | €9,669 | €3 | ▼ 100.0% |
| Deferred charges and accrued income490/1 | €4,030 | €0 | €1,333 | €2,738 | €3,227 | ▲ 17.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €393,637 | €457,166 | €250,138 | €278,476 | €277,485 | ▼ 0.4% |
| Equity10/15 | -€66,307 | -€9,997 | €9,770 | €55,170 | €96,462 | ▲ 74.8% |
| Contributions10/11 | €100 | €100 | €100 | €100 | €100 | = |
| Profit (loss) carried forward14 | -€66,407 | -€10,097 | €9,670 | €55,070 | €96,362 | ▲ 75.0% |
| Amounts payable17/49 | €459,944 | €467,163 | €240,368 | €223,306 | €181,023 | ▼ 18.9% |
| Amounts payable after more than one year17 | €279,577 | €307,679 | €136,650 | €146,556 | €116,200 | ▼ 20.7% |
| Financial debts170/4 | €279,577 | €307,679 | €136,650 | €146,556 | €116,200 | ▼ 20.7% |
| Amounts payable within one year42/48 | €178,604 | €159,284 | €103,718 | €76,750 | €62,327 | ▼ 18.8% |
| Current portion of amounts payable after more than one year42 | €21,026 | €22,965 | €68,869 | €29,509 | €30,356 | ▲ 2.9% |
| Financial debts43 | €630 | €58 | €39 | €5,669 | €7,292 | ▲ 28.6% |
| Credit institutions430/8 | €630 | €58 | €39 | €5,669 | €7,292 | ▲ 28.6% |
| Trade debts44 | €22,536 | €72,029 | €23,182 | €26,453 | €6,169 | ▼ 76.7% |
| Suppliers440/4 | €22,536 | €72,029 | €23,182 | €26,453 | €6,169 | ▼ 76.7% |
| Taxes, remuneration and social security45 | €27,602 | €24,903 | €11,628 | €15,118 | €18,510 | ▲ 22.4% |
| Taxes450/3 | €5,291 | €6,234 | €11,628 | €11,749 | €13,663 | ▲ 16.3% |
| Remuneration and social security454/9 | €22,311 | €18,669 | €0 | €3,370 | €4,847 | ▲ 43.8% |
| Other amounts payable47/48 | €106,810 | €39,330 | €0 | - | - | - |
| Accrued charges and deferred income492/3 | €1,762 | €200 | €0 | - | €2,496 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€38,572 | €56,310 | €19,768 | €45,400 | €41,292 | ▼ 9.0% |
| + Depreciation and write-downs630 | €34,055 | €33,069 | €31,020 | €31,088 | €34,942 | ▲ 12.4% |
| Operating cash flow (approximation) | -€4,517 | €89,378 | €50,788 | €76,488 | €76,234 | ▼ 0.3% |
| Investment in fixed assets (approximation) | - | -€102,209 | €215,894 | -€39,363 | -€24,523 | ▲ 37.7% |
| Change in cash | - | -€1,218 | -€214 | €9,669 | -€9,666 | ▼ 200% |
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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
16-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €56,310
Net result €56,310 after 2 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Weakest financial yearnet -€38,572
Net result drops to -€38,572, the lowest in the series; recovery starts the following year.
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 89 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Brakel · 1 establishment unit since 2020
Ground area
584 m²
Building footprint
183 m²
Volume, LiDAR
1,335 m³
Parcel 45028A0617/00B000, Flanders · tallest building 12.7 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Neerstraat 20, 9660 Brakel
since 20202.309.617.114
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45028A0617/00B000 | Flanders | 584 m² | 1 · 183 m² | 12.7 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.
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Of 4,673 companies in sector 66220 we hold annual accounts for 3,222. 2,687 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
Founded10-09-2020
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0753928639
Registered
11-09-2025
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.