KEYM FINANCES
ActiveSummary
KEYM FINANCES 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 €52,582 and a net result of €23,324. Equity is shrinking by ~17.8% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 9% of 2473 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
What they do
Other financial services
NACE 64999Insurance agents and brokers NACE 66220
2 sites
How big
€878,695total assets 2025
- Staff
- 7.8 FTE
- Equity
- €52,582
- Profit
- €23,324
Financially healthy?
Financial institution: outside the modelProbability: sector outside the model
Who decides
- Largest shareholder
- JIMAXCO INVEST · 50%
- Board
- 1 member
Accounts 112 d early1 of 10 deeds read
Signals- Weak solvency vs sectorLatest accounts filed on timeShow the evidence
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.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 2473 sector peers (2025).
NBB · sector comparisonPosition among 2473 sector peers
Solvency
better than 9%
← weakest
strongest →
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 10-04-2026, 112 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
112 d early
2024
59 d early
2023
156 d early
2022
56 d early
2021
33 d early
2020
39 d early
2019
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 65 days before 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 (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 2 June (4 of the last 5 filed years within 53 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
- Resignations: Wolubo SRL (director) and Jimaxco…Permanent representatives: Pierre-Yves Bovy, Luc…
- Annual accounts filedfiscal year 2025 · full…
- Back to profitnet €23,324
Financials
Fiscal year 2025Total assets €878,695Profit €23,324Solvency 6.0%Liquidity 0.67
Total assets
€878,695▼ 25.6%
2018 - 2025
Net result
€23,324
2018 - 2025
Equity
€52,582▲ 79.7%
2018 - 2025
Staff (FTE)
7.8▼ 9.3%
2018 - 2025
Financials · fiscal year 2025, full schema
Trend over the years
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 64, Financial service activities, except insurance and pension funding, 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€0.05m▼ 53.8%-€0.1m€0.05m€0.01m▼ 77.5%€0.07m▲ 495%
Net result-€0.004mbelow the sector's middle half-€0.1mbelow the sector's middle half▼ 3,634%€0.01mwithin the sector's middle half-€0.03mbelow the sector's middle half€0.02mwithin the sector's middle half
Equity€0.2mbelow the sector's middle half▼ 2.0%€0.04mbelow the sector's middle half▼ 77.2%€0.06mbelow the sector's middle half▲ 29.8%€0.03mbelow the sector's middle half▼ 48.8%€0.05mbelow the sector's middle half▲ 79.7%
Total assets€2.2mwithin the sector's middle half▼ 12.2%€1.7mbelow the sector's middle half▼ 22.4%€1.4mbelow the sector's middle half▼ 14.5%€1.2mbelow the sector's middle half▼ 17.5%€0.9mbelow the sector's middle half▼ 25.6%
Debt€2.0m▼ 13.1%€1.6m▼ 17.1%€1.4m▼ 15.7%€1.2m▼ 16.2%€0.8m▼ 28.3%
Working capital€0.007mwithin the sector's middle half▼ 87.9%-€0.2mwithin the sector's middle half-€0.3mwithin the sector's middle half▼ 4.4%-€0.4mwithin the sector's middle half▼ 35.7%-€0.2mwithin the sector's middle half▲ 45.9%
Solvency9.0%below the sector's middle half▲ 0.9pp2.6%below the sector's middle half▼ 6.3pp4.0%below the sector's middle half▲ 1.4pp2.5%below the sector's middle half▼ 1.5pp6.0%below the sector's middle half▲ 3.5pp
Current ratio1.01within the sector's middle half▼ 0.100.59within the sector's middle half▼ 0.430.59within the sector's middle half=0.53within the sector's middle half▼ 0.070.67within the sector's middle half▲ 0.14
Return on assets (ROA)-0.2%below the sector's middle half▼ 2.0pp-8.9%below the sector's middle half▼ 8.7pp0.9%within the sector's middle half▲ 9.8pp-2.4%below the sector's middle half▼ 3.3pp2.7%within the sector's middle half▲ 5.0pp
Staff (FTE)9.6within the sector's middle half▲ 7.9%11.4above the sector's middle half▲ 18.8%9.3within the sector's middle half▼ 18.4%8.6within the sector's middle half▼ 7.5%7.8within the sector's middle half▼ 9.3%
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.
Result and balance sheet
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 495% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €878,695
Fixed assets
€498,450 ▼ 36.9%
Current assets
€380,245 ▼ 2.9%
Equity and liabilities €878,695
Equity
€52,582 ▲ 79.7%
Debt
€826,113 ▼ 28.3%
Debt's share of the balance-sheet total falls from 97.5% to 94.0%. Equity is higher and debt is lower.
Key figures and ratios
Key figures and ratios
ROE
44.4%▲
2024 · -95.3%
Debt ≤ 1 year
€571,281▼
2024 · €744,528
Debt > 1 year
€254,160▼
2024 · €407,096
Income taxes
€8,165▲
2024 · €1,729
Staff costs
€689,666▼
2024 · €708,552
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €0.01m | €0 | ▼ 100% |
| Remuneration, social security and pensions62 | €0.6m | €0.8m | €0.7m | €0.7m | €0.7m | ▼ 2.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €0.3m | €0.4m | €0.3m | €0.3m | €0.3m | ▼ 1.7% |
| Other operating charges640/8 | €0.003m | €0.01m | €0.006m | €0.01m | €0.007m | ▼ 31.9% |
| Non-recurring operating charges66A | - | - | - | €0.002m | €0 | ▼ 100% |
| Gross operating margin9900 | €1.0m | €1.1m | €1.1m | €1.0m | €1.1m | ▲ 2.5% |
| Operating profit (loss)9901 | €0.05m | -€0.1m | €0.05m | €0.01m | €0.07m | ▲ 495% |
| Financial income75/76B | €2 | €0.001m | €0.005m | €0 | €66 | ▲ 50,438% |
| Recurring financial income75 | €2 | €0.001m | €0.005m | €0 | €66 | ▲ 50,438% |
| Financial charges65/66B | €0.05m | €0.04m | €0.04m | €0.04m | €0.04m | ▼ 3.8% |
| Recurring financial charges65 | €0.05m | €0.04m | €0.04m | €0.04m | €0.04m | ▼ 3.8% |
| Profit (loss) for the period before taxes9903 | €0.006m | -€0.1m | €0.01m | -€0.03m | €0.03m | ▲ 220% |
| Income taxes67/77 | €0.01m | €0.002m | €0.002m | €0.002m | €0.008m | ▲ 372% |
| Profit (loss) for the period9904 | -€0.004m | -€0.1m | €0.01m | -€0.03m | €0.02m | ▲ 184% |
| Profit (loss) for the period to be appropriated9905 | -€0.004m | -€0.1m | €0.01m | -€0.03m | €0.02m | ▲ 184% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.2m | €1.7m | €1.4m | €1.2m | €0.9m | ▼ 25.6% |
| Fixed assets21/28 | €1.6m | €1.3m | €1.1m | €0.8m | €0.5m | ▼ 36.9% |
| Intangible fixed assets21 | €1.5m | €1.2m | €0.9m | €0.6m | €0.4m | ▼ 42.6% |
| Tangible fixed assets22/27 | €0.2m | €0.2m | €0.2m | €0.2m | €0.1m | ▼ 16.9% |
| Furniture and vehicles24 | €0.02m | €0.02m | €0.009m | €0.005m | €0.005m | ▼ 5.8% |
| Other tangible fixed assets26 | €0.2m | €0.1m | €0.2m | €0.2m | €0.1m | ▼ 17.2% |
| Financial fixed assets28 | €162 | €0.005m | €0.005m | €0.01m | €0.01m | = |
| Current assets29/58 | €0.5m | €0.4m | €0.4m | €0.4m | €0.4m | ▼ 2.9% |
| Amounts receivable within one year40/41 | €0.3m | €0.02m | €0.001m | €0.01m | €0.02m | ▲ 16.3% |
| Trade receivables40 | €0.2m | - | - | - | - | - |
| Other amounts receivable41 | €0.1m | €0.02m | €0.001m | €0.01m | €0.02m | ▲ 16.3% |
| Cash at bank and in hand54/58 | €0.05m | €0.01m | €0.006m | €0.02m | €0.003m | ▼ 83.6% |
| Deferred charges and accrued income490/1 | €0.1m | €0.3m | €0.4m | €0.4m | €0.4m | = |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.2m | €1.7m | €1.4m | €1.2m | €0.9m | ▼ 25.6% |
| Equity10/15 | €0.2m | €0.04m | €0.06m | €0.03m | €0.05m | ▲ 79.7% |
| Contributions10/11 | €0.09m | €0.09m | €0.09m | €0.08m | €0.08m | = |
| Reserves13 | €0.01m | €0.01m | €0.01m | €0.02m | €0.02m | = |
| Distributable reserves133 | €0.01m | €0.01m | €0.01m | €0.02m | €0.02m | = |
| Profit (loss) carried forward14 | €0.09m | -€0.06m | -€0.04m | -€0.07m | -€0.05m | ▲ 32.9% |
| Amounts payable17/49 | €2.0m | €1.6m | €1.4m | €1.2m | €0.8m | ▼ 28.3% |
| Amounts payable after more than one year17 | €1.4m | €1.0m | €0.7m | €0.4m | €0.3m | ▼ 37.6% |
| Financial debts170/4 | €1.4m | €1.0m | €0.7m | €0.4m | €0.3m | ▼ 37.6% |
| Amounts payable within one year42/48 | €0.5m | €0.6m | €0.6m | €0.7m | €0.6m | ▼ 23.3% |
| Current portion of amounts payable after more than one year42 | €0.4m | €0.4m | €0.3m | €0.3m | €0.2m | ▼ 49.7% |
| Financial debts43 | €64 | €0.07m | €0.04m | €0.06m | €0.02m | ▼ 67.4% |
| Credit institutions430/8 | €64 | €0.07m | €0.04m | €0.02m | €0.02m | ▼ 15.4% |
| Other loans439 | - | - | - | €0.04m | €304 | ▼ 99.2% |
| Trade debts44 | €0.05m | €0.09m | €0.09m | €0.06m | €0.05m | ▼ 18.1% |
| Suppliers440/4 | €0.05m | €0.09m | €0.09m | €0.06m | €0.05m | ▼ 18.1% |
| Taxes, remuneration and social security45 | €0.08m | €0.09m | €0.07m | €0.1m | €0.1m | ▼ 4.0% |
| Taxes450/3 | €0.03m | €0.01m | €0.002m | €0.03m | €0.03m | ▼ 5.9% |
| Remuneration and social security454/9 | €0.05m | €0.08m | €0.07m | €0.1m | €0.1m | ▼ 3.5% |
| Other amounts payable47/48 | €0.001m | €176 | €0.1m | €0.2m | €0.2m | ▲ 23.5% |
| Accrued charges and deferred income492/3 | €0.09m | - | - | - | €0.001m | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€3,999 | -€149,304 | €13,123 | -€27,888 | €23,324 | ▲ 184% |
| + Depreciation and write-downs630 | €348,415 | €350,718 | €304,756 | €298,231 | €293,148 | ▼ 1.7% |
| Operating cash flow (approximation) | €344,416 | €201,414 | €317,879 | €270,343 | €316,472 | ▲ 17.1% |
| Investment in fixed assets (approximation) | - | -€19,913 | -€40,444 | -€33,097 | -€2,240 | ▲ 93.2% |
| Change in cash | - | -€42,542 | -€4,800 | €10,355 | -€13,694 | ▼ 232% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Comparable companies
Similar companies · same sector, comparable size
Allagi – Business Consultants
BE 1003.336.227
Schaarbeek · Eq €52,506
LORRAINE ET GAUME FINANCE
BE 0460.604.005
Etalle · Eq €52,945
MCN-management
BE 1011.124.139
Antwerpen · Eq €53,370
eNOAh
BE 0801.339.269
Grez-Doiceau · Eq €51,774
Fintrust
BE 0799.879.321
Oudsbergen · Eq €53,776
Of 806 companies in this sector we hold annual accounts for 487. 288 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Board & ownership
1 director
Directors
Directors
1 director, 1 in day-to-day management, last change in 2026
Board 1
SEREMA
CurrentDirector · since 20-05-2026 · Private limited company · perm. rep.: Seppe Sijmons
Day-to-day management 1
SEREMA
CurrentManaging director · since 20-05-2026 · Private limited company · perm. rep.: Seppe Sijmons
Permanent representatives 1
Seppe Sijmons
CurrentPermanent representative · since 20-05-2026 · for SEREMA
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
9 of this company's 10 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.
Mandate history
3 people since 2026, 1 in office
- Board
- Day-to-day management
- began earlier
| Name | Functions and periods |
|---|---|
| SEREMA |
|
| JIMAXCO INVEST |
|
| WOLUBO |
|
Structure & network
Owners and holdings
3 ownersOwners 3
-
50%
- Sourceaccounts WOLUBO 202550%
- Sourceaccounts SOLUFIN 202533.33%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts 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
6 connected companiesThis company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, scroll to zoom.
Linked via shared directors
CONSULT +
Shared corporate director
→
DHS Insurance Group
Shared corporate director
→
GROUP CLAEYS-DELAEY
Shared corporate director
→
Losange - D'Hondt
Shared corporate director
→
Show 2 more companies with a shared director
MW LIFE CONSULT
Shared corporate director
→
Omata Insurance
Shared corporate director
→
Timeline
17 eventsLatest 20-05-2026Next filing 31-07-2027
History
Acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
20-05
State Gazette act
Resignations: Wolubo SRL (director) and Jimaxco Invest SA (director)Permanent representatives: Pierre-Yves Bovy, Luc Hannouille and Seppe Sijmons · Appointment: Serema SRL (director)10 facts ▸
State Gazette act
Resignations: Wolubo SRL (director) and Jimaxco Invest SA (director)
Permanent representatives: Pierre-Yves Bovy, Luc Hannouille and Seppe Sijmons · Appointment: Serema SRL (director)10 facts ▸
- General meeting, 04-05-2026
- Director resignation, Wolubo SRL (director)
- Director resignation, Jimaxco Invest SA (director)
- Permanent representative, Pierre-Yves Bovy (permanent representative)
- Permanent representative, Luc Hannouille (permanent representative)
- Director appointment, Serema SRL (director)
- Permanent representative, Seppe Sijmons (permanent representative)
- Board meeting, 04-05-2026
- Director appointment, Serema SRL (managing director)
- Other statement, identifiant de publication, *26063755*
10-04
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Back to profitnet €23,324
Net result €23,324 after one loss-making year.
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
26-02
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Back to profitnet €13,123
Net result €13,123 after 2 loss-making years.
05-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Weakest financial yearnet -€149,304
Net result drops to -€149,304, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Highest result since 2018net €44,801 ▲238%
Operating result €117,331, net result €44,801, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
Show earlier events
2019
31-12
Financial
Back to profitnet €13,270
Net result €13,270 after one loss-making year.
31-12
Financial
Equity above €150,000Eq €152,525 ▲9.5%
Equity rises from €139,255 to €152,525.
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
12-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 10 acts read
About the unread acts
Of the 10 Belgian State Gazette acts we know for this company, 1 has been read. The other 9 have not 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.
Company details
Private limited company · founded 31-01-2013Year ends 31-12Peppol reachable2 sites
Register details
Identification
Legal formPrivate limited company
Founded31-01-2013
Fiscal year end31-12
Activities, NACEBEL 2025
64999Other financial services
66220Insurance agents and brokers
65112Insurance, reinsurance and pension funding, except compulsory social security
65122Insurance, reinsurance and pension funding, except compulsory social security
E-invoicing
Reachable via Peppol
Peppol ID
0208:0502932825
Registered
15-12-2025
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.
Sites & property
Location & real-estate footprint
Registered office, Watermaal-Bosvoorde · 2 establishment units since 2013
Ground area
279 m²
Building footprint
197 m²
Volume, LiDAR
1,962 m³
2 parcels, Brussels, Wallonia · tallest building 13.6 m, ±4 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
2 establishment units
Keym Finances
since 2013unit no. 2.216.475.239
KEYM FINANCES
since 2018unit no. 2.279.613.331
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25742H0329/00_000 | Wallonia | 176 m² | 1 · 94 m² | 13.6 m · 4 fl. |
| 21017D0164/00D006 | Brussels | 103 m² | 1 · 103 m² | 12.3 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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 changed in the latest annual accounts?What changed Is the workforce growing, and do people stay?Employer check
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.