Summary
LE GROUPE AVENIR 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 €14k and a net result of €188k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 14% of 2435 sector peers (fiscal year 2025). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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 advice for your own amount and term
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 14% of 2435 sector peers (2025).
NBB · sector comparisonPosition among 2435 sector peers
Solvency
better than 14%
← 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 13-05-2026, 79 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
79 d early
2024
2 d early
2023
35 d early
2022
32 d early
2021
39 d early
2020
38 d early
2019
104 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€14k=
2024 · €14k
2018: €72k
2019: €72k
2020: €96k
2021: €96k
2022: €152k
2023: €152k
2024: €14k
2018 → 2025
Net result
€188k▲ 136%
2024 · €80k
2018: €73k
2019: €53k
2020: €61k
2021: €42k
2022: €57k
2023: €44k
2024: €80k
2018 → 2025
Total assets
€224k▲ 73.6%
2024 · €129k
2018: €165k
2019: €143k
2020: €137k
2021: €138k
2022: €206k
2023: €212k
2024: €129k
2018 → 2025
Solvency
6.4%▼ 4.7pp
2024 · 11.1%
2018: 43.5%
2019: 50.3%
2020: 70.0%
2021: 69.4%
2022: 74.0%
2023: 71.9%
2024: 11.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€96k-€152k▲ 58.9%€152k=€14k▼ 90.6%€14k=
Operating result€56k-€81k▲ 45.8%€60k▼ 25.4%€108k▲ 79.0%€265k▲ 145%
Net result€42k-€57k▲ 33.3%€44k▼ 22.0%€80k▲ 80.8%€188k▲ 136%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 145% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €224k
Fixed assets
€9k ▼ 53.2%
Current assets
€215k ▲ 96.0%
Equity and liabilities €224k
Equity
€14k =
Debt
€209k ▲ 82.8%
Debt's share of the balance-sheet total rises from 88.9% to 93.6%. Debt is higher.
Key figures and ratios
ROA
84.1%▲
2024 · 61.9%
Debt ≤ 1 year
€209k▲
2024 · €115k
Income taxes
€77k▲
2024 · €28k
Staff costs
€168k▼
2024 · €196k
A ratio outside any meaningful range has been withheld (balance sheet total €224k, equity €14k).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€129k€224k▲
Fixed assets21/28€19k€9k▼
Tangible fixed assets22/27€19k€9k▼
Furniture and vehicles24€19k€9k▼
Financial fixed assets28€250€250=
Current assets29/58€110k€215k▲
Amounts receivable within one year40/41€8k€4k▼
Trade receivables40€1k€4k▲
Other amounts receivable41€7k-
Cash at bank and in hand54/58€65k€172k▲
Deferred charges and accrued income490/1€36k€39k▲
Equity and liabilities
Total equity and liabilities10/49€129k€224k▲
Equity10/15€14k€14k=
Contributions10/11€12k€12k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Amounts payable17/49€115k€209k▲
Amounts payable within one year42/48€115k€209k▲
Trade debts44€14k€2k▼
Suppliers440/4€14k€2k▼
Taxes, remuneration and social security45€100k€131k▲
Taxes450/3€75k€113k▲
Remuneration and social security454/9€26k€18k▼
Other amounts payable47/48-€76k
Income statement
Code20242025
Remuneration, social security and pensions62€196k€168k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€10k▼
Other operating charges640/8€6k€11k▲
Gross operating margin9900€322k€454k▲
Operating profit (loss)9901€108k€265k▲
Financial income75/76B€354€490▲
Recurring financial income75€354€490▲
Financial charges65/66B€524€238▼
Recurring financial charges65€524€238▼
Profit (loss) for the period before taxes9903€108k€265k▲
Income taxes67/77€28k€77k▲
Profit (loss) for the period9904€80k€188k▲
Profit (loss) for the period to be appropriated9905€80k€188k▲
Appropriation of the result
Profit (loss) to be appropriated9906€80k€188k▲
Transfer from equity791/2€138k-
Profit to be distributed694/7€218k€188k▼
Return on contributions (dividend)694€218k€188k▼
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
13-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €188k ▲136%
Operating result €265k, net result €188k, both a record.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €152k ▲58.9%
5 profitable years in a row build equity to €152k.
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €42k ▼30.6%
Net result drops to €42k, the lowest in the series; recovery starts the following year.
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
12-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 104 days late
2019
02-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 2 days late
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Binche · 1 establishment unit since 2006
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue Gustave Diricq(EP) 17134 BincheGround area
2,048 m²
Building footprint
212 m²
Volume, LiDAR
1,507 m³
2 parcels, Wallonia · tallest building 9.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
LE GROUPE AVENIR
since 20062.155.214.096
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56020A0059/00K000 | Wallonia | 1,970 m² | 1 · 154 m² | 9.0 m · 2 fl. |
| 56084A0168/00H007 | Wallonia | 77 m² | 1 · 57 m² | 9.4 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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STYL CREDITS
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Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 1,260 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-07-2006
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:064/369523