Financials · financial year 2025, micro format
Annual accounts 2025 filed on 18-06-2026 at the NBB all 21 filings
Equity
€71,017▲ 5.2%
2024 · €67,492
Net result
€3,525
2024 · -€23,760
Total assets
€135,965▲ 15.5%
2024 · €117,677
Solvency
52.2%▼ 5.1pp
2024 · 57.4%
Trend over the years
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result for 2025 is a profit of €10,182, after a loss of €19,119 in 2024.
Operating result€10,182
2025
Net result€3,525
2025
Total assets€135,965
2025
Equity€71,017
2025
Debt€64,948
2025
Working capital€31,334
2025
Return on assets (ROA)2.6%
2025
Solvency52.2%
2025
Current ratio1.48
2025
Staff (FTE)1.6
2025
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Average staff per financial year, in full-time equivalents (FTE).
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Activities auxiliary to financial services and insurance activities (NACE 66). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio, return on assets (ROA) and staff (FTE).
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result€19,426-€23,886▲ 23.0%€44,341▲ 85.6%€31,393▼ 29.2%-€39,220-€34,695▲ 11.5%-€19,119▲ 44.9%€10,182
Net result€7,313-€11,013▲ 50.6%€24,334within the sector's middle half▲ 121%€14,699within the sector's middle half▼ 39.6%-€29,615below the sector's middle half-€41,660below the sector's middle half▼ 40.7%-€23,760below the sector's middle half▲ 43.0%€3,525below the sector's middle half
Equity€139,821-€150,834▲ 7.9%€175,168within the sector's middle half▲ 16.1%€162,527within the sector's middle half▼ 7.2%€132,912within the sector's middle half▼ 18.2%€91,252within the sector's middle half▼ 31.3%€67,492within the sector's middle half▼ 26.0%€71,017within the sector's middle half▲ 5.2%
Total assets€229,546-€229,319▼ 0.1%€255,866within the sector's middle half▲ 11.6%€240,504within the sector's middle half▼ 6.0%€204,245within the sector's middle half▼ 15.1%€169,285within the sector's middle half▼ 17.1%€117,677below the sector's middle half▼ 30.5%€135,965within the sector's middle half▲ 15.5%
Debt€89,726-€78,485▼ 12.5%€80,698▲ 2.8%€77,977▼ 3.4%€71,334▼ 8.5%€78,034▲ 9.4%€50,186▼ 35.7%€64,948▲ 29.4%
Working capital€48,751-€64,651▲ 32.6%€90,689within the sector's middle half▲ 40.3%€69,723within the sector's middle half▼ 23.1%€57,393within the sector's middle half▼ 17.7%€29,433within the sector's middle half▼ 48.7%€17,507within the sector's middle half▼ 40.5%€31,334within the sector's middle half▲ 79.0%
Solvency60.9%-65.8%▲ 4.9pp68.5%within the sector's middle half▲ 2.7pp67.6%within the sector's middle half▼ 0.9pp65.1%within the sector's middle half▼ 2.5pp53.9%within the sector's middle half▼ 11.2pp57.4%within the sector's middle half▲ 3.4pp52.2%within the sector's middle half▼ 5.1pp
Current ratio1.77-2.10▲ 0.332.39within the sector's middle half▲ 0.291.96within the sector's middle half▼ 0.431.80within the sector's middle half▼ 0.161.38within the sector's middle half▼ 0.431.35within the sector's middle half▼ 0.031.48within the sector's middle half▲ 0.13
Return on assets (ROA)3.2%-4.8%▲ 1.6pp9.5%within the sector's middle half▲ 4.7pp6.1%within the sector's middle half▼ 3.4pp-14.5%below the sector's middle half▼ 20.6pp-24.6%below the sector's middle half▼ 10.1pp-20.2%below the sector's middle half▲ 4.4pp2.6%within the sector's middle half▲ 22.8pp
Staff (FTE)1.6-1.6=1.6within the sector's middle half=1.6=1.6=1.6=1.6=1.6=
above
within
below
The sector band is the middle half of the companies in Activities auxiliary to financial services and insurance activities (NACE 66). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €135,965
Fixed assets
€39,683 ▼ 20.6%
Current assets
€96,282 ▲ 42.2%
Equity and liabilities €135,965
Equity
€71,017 ▲ 5.2%
Debt
€64,948 ▲ 29.4%
Debt's share of the balance-sheet total rises from 42.6% to 47.8%. Equity and debt are higher.
Key figures and ratios
ROE
5.0%▲
2024 · -35.2%
Debt ≤ 1 year
€64,948▲
2024 · €50,186
Income taxes
€627▼
2024 · €633
Staff costs
€150,962▲
2024 · €127,266
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Staff
| Item | 31-12-2021 | 31-12-2022 | 31-12-2023 | 31-12-2024 | 31-12-2025 |
|---|---|---|---|---|---|
| Employees at the balance-sheet date | 2 | 2 | 2 | 2 | 2 |
| full-time | 1 | 1 | 1 | 1 | 1 |
| part-time | 1 | 1 | 1 | 1 | 1 |
| in full-time equivalents | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 |
| Average over the year, in full-time equivalents | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 |
| On a permanent contract | 2 | 2 | 2 | 2 | 2 |
| Joined | - | - | - | - | 0 |
| Left | - | - | - | - | 0 |
| Training hours | - | - | - | - | 0 |
Source: social balance sheet in the 2021 to 2025 annual accounts
Investments
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Tangible fixed assets | €20,331 | €1,335 | - | - | - |
| Depreciation and write-downs of the year | €22,099 | €24,050 | €13,700 | €11,833 | €10,302 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
Comparable companies
These companies have the same main activity as Jonathan Samyn: agents and brokers in banking services (NACE 66191). They are comparable in size and age: total assets between €139,000 and €178,000, founded between 1999 and 2010.
| Company | Founded | Total assets | Equity | Gross margin | Net result | FTE | Financial year |
|---|---|---|---|---|---|---|---|
| Jonathan Samyn Kortrijk | 2004 | €135,965 | €71,017 | €180,732 | €3,525 | - | 2025 |
| VV FINANCES Soignies | 2004 | €159,464 | €52,373 | €209,332 | €24,753 | - | 2025 |
| Zakenkantoor N&B Kapellen Kapellen | 2010 | €138,881 | €50,567 | €181,679 | €44,468 | - | 2025 |
| FIN'ANS Ans | 2003 | €178,474 | €34,623 | €158,582 | -€13,495 | - | 2025 |
| VERAART & PARTNERS KNOKKE Oostende | 1999 | €159,869 | €20,523 | €233,818 | €1,732 | 3.3 | 2025 |
| L&M CONSULT Aalst | 2005 | €155,965 | €63,248 | €125,690 | €10,747 | - | 2025 |
| LEVEL 2 INVEST Waterloo | 2003 | €169,014 | €18,600 | €126,161 | €58,106 | - | 2025 |
They were chosen from the 1,171 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €104,633 | €114,033 | €124,866 | €127,266 | €150,962 | ▲ 18.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €17,805 | €18,737 | €19,629 | €22,099 | €24,050 | €13,700 | €11,833 | €10,302 | ▼ 12.9% |
| Other operating charges640/8 | - | - | - | €1,846 | €4,467 | €1,710 | €4,365 | €4,045 | ▼ 7.3% |
| Non-recurring operating charges66A | - | - | - | - | - | - | - | €5,241 | - |
| Gross operating margin9900 | €126,268 | €136,240 | €162,997 | €159,971 | €103,330 | €105,581 | €124,346 | €180,732 | ▲ 45.3% |
| Operating profit (loss)9901 | €19,426 | €23,886 | €44,341 | €31,393 | -€39,220 | -€34,695 | -€19,119 | €10,182 | - |
| Financial income75/76B | - | - | - | €0 | €14,283 | €287 | - | €1 | - |
| Recurring financial income75 | €17 | €0 | €0 | €0 | €0 | €287 | - | €1 | - |
| Non-recurring financial income76B | - | - | - | - | €14,283 | - | - | - | - |
| Financial charges65/66B | - | - | - | €4,632 | €4,088 | €6,624 | €4,008 | €6,031 | ▲ 50.5% |
| Recurring financial charges65 | €5,628 | €3,991 | €4,828 | €4,632 | €4,088 | €6,624 | €4,008 | €6,031 | ▲ 50.5% |
| Profit (loss) for the period before taxes9903 | €13,815 | €19,896 | €39,513 | €26,761 | -€29,025 | -€41,033 | -€23,126 | €4,152 | - |
| Income taxes67/77 | €6,501 | €8,882 | €15,179 | €12,062 | €590 | €627 | €633 | €627 | ▼ 1.1% |
| Profit (loss) for the period9904 | €7,313 | €11,013 | €24,334 | €14,699 | -€29,615 | -€41,660 | -€23,760 | €3,525 | - |
| Profit (loss) for the period to be appropriated9905 | €7,313 | €11,013 | €24,334 | €14,699 | -€29,615 | -€41,660 | -€23,760 | €3,525 | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €229,546 | €229,319 | €255,866 | €240,504 | €204,245 | €169,285 | €117,677 | €135,965 | ▲ 15.5% |
| Fixed assets21/28 | €117,580 | €105,780 | €100,002 | €98,234 | €75,519 | €61,818 | €49,985 | €39,683 | ▼ 20.6% |
| Intangible fixed assets21 | - | - | - | - | - | - | €0 | €0 | - |
| Tangible fixed assets22/27 | €117,580 | €105,780 | €100,002 | €98,234 | €75,519 | €61,818 | €49,985 | €39,683 | ▼ 20.6% |
| Land and buildings22 | - | - | - | €79,774 | €65,559 | €56,496 | €47,433 | €38,948 | ▼ 17.9% |
| Plant, machinery and equipment23 | - | - | - | €6,410 | €3,962 | €2,451 | €940 | €77 | ▼ 91.8% |
| Furniture and vehicles24 | - | - | - | €12,051 | €5,998 | €2,871 | €1,611 | €658 | ▼ 59.2% |
| Current assets29/58 | €111,967 | €123,539 | €155,864 | €142,270 | €128,727 | €107,467 | €67,693 | €96,282 | ▲ 42.2% |
| Amounts receivable within one year40/41 | €70,188 | €92,493 | €125,030 | €95,531 | €94,640 | €70,057 | €30,654 | €56,241 | ▲ 83.5% |
| Trade receivables40 | - | - | - | €891 | - | - | €2,489 | - | - |
| Other amounts receivable41 | - | - | - | €94,640 | €94,640 | €70,057 | €28,165 | €56,241 | ▲ 99.7% |
| Cash at bank and in hand54/58 | €40,651 | - | €4,929 | €39,520 | €27,912 | - | €3 | €0 | ▼ 100% |
| Deferred charges and accrued income490/1 | - | - | - | €7,219 | €6,174 | €37,411 | €37,036 | €40,041 | ▲ 8.1% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €229,546 | €229,319 | €255,866 | €240,504 | €204,245 | €169,285 | €117,677 | €135,965 | ▲ 15.5% |
| Equity10/15 | €139,821 | €150,834 | €175,168 | €162,527 | €132,912 | €91,252 | €67,492 | €71,017 | ▲ 5.2% |
| Contributions10/11 | €6,200 | €6,200 | - | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €133,621 | €144,634 | €168,968 | €156,327 | €126,712 | €85,052 | €82,923 | €82,923 | = |
| Non-distributable reserves130/1 | - | - | - | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €1,860 | €1,860 | - | - | - | - |
| Distributable reserves133 | - | - | - | €154,467 | €124,852 | €85,052 | €82,923 | €82,923 | = |
| Profit (loss) carried forward14 | - | - | - | - | - | - | -€21,631 | -€18,106 | ▲ 16.3% |
| Amounts payable17/49 | €89,726 | €78,485 | €80,698 | €77,977 | €71,334 | €78,034 | €50,186 | €64,948 | ▲ 29.4% |
| Amounts payable after more than one year17 | €26,510 | €19,597 | €15,523 | €5,430 | - | - | - | - | - |
| Financial debts170/4 | - | - | - | €5,430 | - | - | - | - | - |
| Amounts payable within one year42/48 | €63,215 | €58,888 | €65,175 | €72,547 | €71,334 | €78,034 | €50,186 | €64,948 | ▲ 29.4% |
| Current portion of amounts payable after more than one year42 | - | - | - | €11,602 | €6,705 | €9,681 | - | - | - |
| Financial debts43 | - | - | - | - | - | €10,002 | - | €6,229 | - |
| Credit institutions430/8 | - | - | - | - | - | €10,002 | - | €6,229 | - |
| Trade debts44 | €15,178 | €12,057 | €10,245 | €14,941 | €25,010 | €32,441 | €15,114 | €16,121 | ▲ 6.7% |
| Suppliers440/4 | - | - | - | €14,941 | €25,010 | €32,441 | €15,114 | €16,121 | ▲ 6.7% |
| Taxes, remuneration and social security45 | - | - | - | €46,004 | €39,618 | €25,910 | €35,071 | €42,599 | ▲ 21.5% |
| Taxes450/3 | - | - | - | €27,241 | €20,052 | €4,217 | €12,862 | €6,121 | ▼ 52.4% |
| Remuneration and social security454/9 | - | - | - | €18,763 | €19,567 | €21,693 | €22,209 | €36,478 | ▲ 64.2% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €7,313 | €11,013 | €24,334 | €14,699 | -€29,615 | -€41,660 | -€23,760 | €3,525 | - |
| + Depreciation and write-downs630 | €17,805 | €18,737 | €19,629 | €22,099 | €24,050 | €13,700 | €11,833 | €10,302 | ▼ 12.9% |
| Operating cash flow (approximation) | €25,118 | €29,751 | €43,963 | €36,798 | -€5,565 | -€27,960 | -€11,926 | €13,827 | - |
| Investment in fixed assets (approximation) | - | -€6,938 | -€13,851 | -€20,331 | -€1,335 | €0 | €0 | €0 | - |
| Change in cash | - | - | - | €34,591 | -€11,607 | - | - | -€3 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Latest 10 of 21 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 18-06-2026 | 2026-00173183 | NBB |
| 31-12-2024 | micro format | 27-05-2025 | 2025-00109842 | |
| 31-12-2023 | micro format | 21-05-2024 | 2024-00094502 | |
| 31-12-2022 | micro format | 31-05-2023 | 2023-00102361 | |
| 31-12-2021 | micro format | 07-06-2022 | 2022-20051912 | |
| 31-12-2020 | micro format | 14-06-2021 | 2021-19800193 | |
| 31-12-2019 | micro format | 25-05-2020 | 2020-12800360 | |
| 31-12-2018 | micro format | 11-06-2019 | 2019-17600477 | |
| 31-12-2017 | micro format | 14-05-2018 | 2018-12800136 | |
| 31-12-2016 | micro format | 12-05-2017 | 2017-12100022 |