Financials · financial year 2025, abbreviated format
Annual accounts 2025 filed on 22-12-2025 PDF all 25 filings
Equity
€7.7m▲ 0.1%
2024 · €7.7m
Net result
€9,062▼ 18.6%
2024 · €11,133
Total assets
€7.7m▲ 0.1%
2024 · €7.7m
Solvency
99.9%=
2024 · 99.9%
In the rankings
#3 company by equity in Puurs-Sint-Amands, Finance and insurance sector#5 company by total assets in Puurs-Sint-Amands, Finance and insurance sector#6 oldest company in Puurs-Sint-Amands, Finance and insurance sector
Multi-year overview
2019 to 2025, 7 financial yearsOperating result
-€5,790
2025
20192025
Net result
€9,062
▼ 18.6%
2025
middle half of the sector
20192025
Equity
€7.7m
▲ 0.1%
2025
highest quarter of the sector
20192025
Total assets
€7.7m
▲ 0.1%
2025
highest quarter of the sector
20192025
Debt
€8,158
▼ 20.5%
2025
20192025
Working capital
€859,648
▲ 0.3%
2025
highest quarter of the sector
20192025
Solvency
99.9%
=
2025
highest quarter of the sector
20192025
Current ratio
no figure
2025
20192025
Return on assets (ROA)
0.1%
=
2025
lowest quarter of the sector
20192025
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line2019202020212022202320242025
Operating result€0.02m-€0.007m▼ 55.8%€0.009m▲ 27.9%€0.006m▼ 29.1%-€0.003m€0.006m-€0.006m
Net result€0.01m-€0.03mwithin the sector's middle half▲ 185%€0.4mabove the sector's middle half▲ 12×€0.005mbelow the sector's middle half▼ 98.6%€0.2mabove the sector's middle half▲ 40×€0.01mwithin the sector's middle half▼ 94.4%€0.009mwithin the sector's middle half▼ 18.6%
Equity€7.0m-€7.1mabove the sector's middle half▲ 0.4%€7.4mabove the sector's middle half▲ 5.1%€7.4mabove the sector's middle half▲ 0.1%€7.6mabove the sector's middle half▲ 2.7%€7.7mabove the sector's middle half▲ 0.1%€7.7mabove the sector's middle half▲ 0.1%
Total assets€7.7m-€7.8mabove the sector's middle half▲ 0.6%€7.4mabove the sector's middle half▼ 3.9%€7.5mabove the sector's middle half▲ 0.1%€7.7mabove the sector's middle half▲ 3.0%€7.7mabove the sector's middle half▼ 0.1%€7.7mabove the sector's middle half▲ 0.1%
Debt€0.7m-€0.7m▲ 2.6%€0.005m▼ 99.2%€0.007m▲ 35.2%€0.03m▲ 311%€0.01m▼ 64.9%€0.008m▼ 20.5%
Working capital€0.3m-€0.3mabove the sector's middle half▲ 11.6%€0.7mabove the sector's middle half▲ 124%€0.6mabove the sector's middle half▼ 1.3%€0.8mabove the sector's middle half▲ 30.5%€0.9mabove the sector's middle half▲ 1.2%€0.9mabove the sector's middle half▲ 0.3%
Solvency91.5%-91.3%above the sector's middle half▼ 0.2pp99.9%above the sector's middle half▲ 8.6pp99.9%above the sector's middle half=99.6%above the sector's middle half▼ 0.3pp99.9%above the sector's middle half▲ 0.2pp99.9%above the sector's middle half=
Current ratio1.40-1.44within the sector's middle half▲ 0.0492.26above the sector's middle half30.01above the sector's middle half▼ 62.2584.56above the sector's middle half▲ 54.56
Return on assets (ROA)0.1%-0.4%within the sector's middle half▲ 0.3pp4.9%within the sector's middle half▲ 4.5pp0.1%below the sector's middle half▼ 4.8pp2.6%within the sector's middle half▲ 2.5pp0.1%below the sector's middle half▼ 2.4pp0.1%below the sector's middle half=
above
within
below
The sector band is the middle half of the companies in Financial service activities, except insurance and pension funding (NACE 64). 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 operating result for 2025 is a loss of €5,790, after a profit of €5,539 in 2024. It is the lowest result since 2021.
Turnover and EBIT margin are not published. The abbreviated format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €7.7m
Fixed assets
€6.8m ▲ 0.1%
Current assets
€867,806 =
Equity and liabilities €7.7m
Equity
€7.7m ▲ 0.1%
Debt
€8,158 ▼ 20.5%
Debt's share of the balance-sheet total stays at 0.1%.
Key figures and ratios
ROE
0.1%▼
2024 · 0.1%
Debt ≤ 1 year
€8,158▼
2024 · €10,261
Income taxes
€5,036▼
2024 · €6,869
A ratio outside any meaningful range has been withheld (balance sheet total €7.7m, equity €7.7m).
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Investments
| Item | 30-06-2022 | 30-06-2023 | 30-06-2024 | 30-06-2025 |
|---|---|---|---|---|
| Tangible fixed assets | - | - | - | €7,921 |
| Financial fixed assets | €13,334 | - | €956 | - |
| Depreciation and write-downs of the year | - | - | - | €1,056 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
Annual accounts
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | - | - | - | - | €1,056 | - |
| Other operating charges640/8 | - | - | - | €1,290 | €1,102 | €603 | €371 | ▼ 38.4% |
| Gross operating margin9900 | €16,485 | €6,959 | €9,512 | €7,509 | -€1,792 | €6,142 | -€4,363 | - |
| Operating profit (loss)9901 | €15,519 | €6,859 | €8,771 | €6,220 | -€2,894 | €5,539 | -€5,790 | - |
| Financial income75/76B | - | - | - | €2,359 | €229,161 | €12,726 | €20,090 | ▲ 57.9% |
| Recurring financial income75 | - | €39,266 | €358,560 | €2,359 | €229,161 | €12,726 | €20,090 | ▲ 57.9% |
| Financial charges65/66B | - | - | - | €314 | €273 | €263 | €201 | ▼ 23.5% |
| Recurring financial charges65 | €105 | €145 | €269 | €314 | €273 | €263 | €201 | ▼ 23.5% |
| Profit (loss) for the period before taxes9903 | €15,414 | €45,981 | €367,061 | €8,265 | €225,994 | €18,001 | €14,098 | ▼ 21.7% |
| Income taxes67/77 | €4,692 | €15,410 | €3,087 | €3,308 | €27,851 | €6,869 | €5,036 | ▼ 26.7% |
| Profit (loss) for the period9904 | €10,723 | €30,571 | €363,974 | €4,957 | €198,143 | €11,133 | €9,062 | ▼ 18.6% |
| Profit (loss) for the period to be appropriated9905 | €10,723 | €30,571 | €363,974 | €4,957 | €198,143 | €11,133 | €9,062 | ▼ 18.6% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Total assets20/58 | €7.7m | €7.8m | €7.4m | €7.5m | €7.7m | €7.7m | €7.7m | ▲ 0.1% |
| Fixed assets21/28 | €6.8m | €6.8m | €6.8m | €6.8m | €6.8m | €6.8m | €6.8m | ▲ 0.1% |
| Tangible fixed assets22/27 | - | - | - | - | - | - | €0.007m | - |
| Furniture and vehicles24 | - | - | - | - | - | - | €0.007m | - |
| Financial fixed assets28 | €6.8m | €6.8m | €6.8m | €6.8m | €6.8m | €6.8m | €6.8m | = |
| Current assets29/58 | €0.9m | €1.0m | €0.7m | €0.7m | €0.9m | €0.9m | €0.9m | = |
| Amounts receivable after more than one year29 | - | - | - | €0.2m | €0.2m | €0.2m | €0.2m | = |
| Other amounts receivable291 | - | - | - | €0.2m | €0.2m | €0.2m | €0.2m | = |
| Amounts receivable within one year40/41 | €0.08m | €0.1m | €0.1m | €0.2m | €0.6m | €0.6m | €0.7m | ▲ 2.7% |
| Trade receivables40 | - | - | - | €0.04m | €0.02m | €0.004m | €0.02m | ▲ 322% |
| Other amounts receivable41 | - | - | - | €0.1m | €0.6m | €0.6m | €0.6m | ▲ 0.8% |
| Cash at bank and in hand54/58 | €0.4m | €0.7m | €0.4m | €0.3m | €0.08m | €0.02m | €0.003m | ▼ 87.1% |
| Equity and liabilities | ||||||||
| Total equity and liabilities10/49 | €7.7m | €7.8m | €7.4m | €7.5m | €7.7m | €7.7m | €7.7m | ▲ 0.1% |
| Equity10/15 | €7.0m | €7.1m | €7.4m | €7.4m | €7.6m | €7.7m | €7.7m | ▲ 0.1% |
| Contributions10/11 | €5.7m | €5.7m | - | €5.7m | €5.7m | €5.7m | €5.7m | = |
| Reserves13 | €0.07m | €0.07m | €0.09m | €0.09m | €0.3m | €0.3m | €0.3m | ▲ 3.1% |
| Non-distributable reserves130/1 | - | - | - | €0.09m | €0.09m | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €0.09m | €0.09m | - | - | - |
| Distributable reserves133 | - | - | - | - | €0.2m | €0.3m | €0.3m | ▲ 3.1% |
| Profit (loss) carried forward14 | €1.2m | €1.3m | €1.6m | €1.6m | €1.6m | €1.6m | €1.6m | = |
| Amounts payable17/49 | €0.7m | €0.7m | €0.005m | €0.007m | €0.03m | €0.01m | €0.008m | ▼ 20.5% |
| Amounts payable within one year42/48 | €0.7m | €0.7m | €0.005m | €0.007m | €0.03m | €0.01m | €0.008m | ▼ 20.5% |
| Trade debts44 | €0.001m | €0.008m | €0.001m | €0.002m | €0.001m | €0.002m | €0.002m | ▼ 13.2% |
| Suppliers440/4 | - | - | - | €0.002m | €0.001m | €0.002m | €0.002m | ▼ 13.2% |
| Taxes, remuneration and social security45 | - | - | - | €0.005m | €0.03m | €0.008m | €0.006m | ▼ 23.4% |
| Taxes450/3 | - | - | - | €0.005m | €0.03m | €0.008m | €0.006m | ▼ 23.4% |
| Other amounts payable47/48 | - | - | - | - | - | €478 | €478 | = |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €10,723 | €30,571 | €363,974 | €4,957 | €198,143 | €11,133 | €9,062 | ▼ 18.6% |
| + Depreciation and write-downs630 | - | - | - | - | - | - | €1,056 | - |
| Operating cash flow (approximation) | €10,723 | €30,571 | €363,974 | €4,957 | €198,143 | €11,133 | €10,118 | ▼ 9.1% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€13,334 | €0 | -€956 | -€7,921 | ▼ 729% |
| Change in cash | - | €214,260 | -€296,723 | -€71,476 | -€208,876 | -€60,734 | -€17,372 | ▲ 71.4% |
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 25 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 30-06-2025 | abbreviated format | 22-12-2025 | 2025-00589230 | |
| 30-06-2024 | abbreviated format | 27-12-2024 | 2024-00627298 | |
| 30-06-2023 | abbreviated format | 28-12-2023 | 2023-00539928 | |
| 30-06-2022 | abbreviated format | 28-12-2022 | 2022-20547798 | |
| 30-06-2021 | abbreviated format | 10-01-2022 | 2022-00600304 | |
| 30-06-2020 | abbreviated format | 25-01-2021 | 2021-01600155 | |
| 30-06-2019 | abbreviated format | 13-01-2020 | 2020-00900133 | |
| 30-06-2018 | abbreviated format | 08-01-2019 | 2019-00600300 | |
| 30-06-2017 | abbreviated format | 26-01-2018 | 2018-02400194 | |
| 30-06-2016 | abbreviated format | 10-01-2017 | 2017-00700531 |