Summary
LioFin 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 €113,868 and a net result of €25,270. Equity is growing by ~25.5% per year across the filed fiscal years. Its solvency ranks better than 89% of 1495 sector peers (fiscal year 2025). The company has been active since 2018 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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 7 filingsDeviation from the deadline
2025
27 d late
2024
22 d late
2023
23 d late
2022
30 d late
2021
29 d late
2020
12 d late
2019
11 d late
← 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 22 days after 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.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€113,868▲ 15.5%
2024 · €98,597
Net result
€25,270▼ 24.1%
2024 · €33,273
Total assets
€131,030▲ 1.4%
2024 · €129,250
Solvency
86.9%▲ 10.6pp
2024 · 76.3%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€31,804▼ 3.8%€1,159▼ 96.4%€23,901▲ 1,961%€45,312▲ 89.6%€35,576▼ 21.5%
Net result€23,047▼ 1.8%€176▼ 99.2%€16,871▲ 9,471%€33,273▲ 97.2%€25,270▼ 24.1%
Equity€62,780▲ 58.0%€62,957▲ 0.3%€79,828▲ 26.8%€98,597▲ 23.5%€113,868▲ 15.5%
Total assets€106,052▲ 13.9%€87,395▼ 17.6%€105,569▲ 20.8%€129,250▲ 22.4%€131,030▲ 1.4%
Debt€43,272▼ 18.9%€24,438▼ 43.5%€25,741▲ 5.3%€30,652▲ 19.1%€17,163▼ 44.0%
Working capital€66,840▲ 64.0%€68,252▲ 2.1%€86,942▲ 27.4%€99,531▲ 14.5%€111,398▲ 11.9%
Solvency59.2%▲ 16.5pp72.0%▲ 12.8pp75.6%▲ 3.6pp76.3%▲ 0.7pp86.9%▲ 10.6pp
Staff (FTE)1▲ 233%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 21% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €131,030
Fixed assets
€2,470 ▼ 16.6%
Current assets
€128,560 ▲ 1.8%
Equity and liabilities €131,030
Equity
€113,868 ▲ 15.5%
Debt
€17,163 ▼ 44.0%
Debt's share of the balance-sheet total falls from 23.7% to 13.1%. Equity is higher and debt is lower.
Key figures and ratios
ROE
22.2%▼
2024 · 33.7%
ROA
19.3%▼
2024 · 25.7%
Debt ≤ 1 year
€17,163▼
2024 · €26,757
Debt > 1 year
€0▼
2024 · €3,896
Income taxes
€10,044▼
2024 · €11,693
Staff costs
€116,691▲
2024 · €109,656
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 | €64,242 | €82,865 | €91,985 | €109,656 | €116,691 | ▲ 6.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €9,417 | €9,409 | €8,875 | €881 | €492 | ▼ 44.2% |
| Other operating charges640/8 | €1,329 | €1,639 | €1,693 | €1,648 | €1,677 | ▲ 1.8% |
| Gross operating margin9900 | €106,793 | €95,072 | €126,454 | €157,497 | €154,436 | ▼ 1.9% |
| Operating profit (loss)9901 | €31,804 | €1,159 | €23,901 | €45,312 | €35,576 | ▼ 21.5% |
| Financial income75/76B | €0 | €0 | - | €0 | €0 | ▲ 100% |
| Recurring financial income75 | €0 | €0 | - | €0 | €0 | ▲ 100% |
| Financial charges65/66B | €578 | €517 | €423 | €346 | €261 | ▼ 24.4% |
| Recurring financial charges65 | €578 | €517 | €423 | €346 | €261 | ▼ 24.4% |
| Profit (loss) for the period before taxes9903 | €31,227 | €642 | €23,477 | €44,966 | €35,315 | ▼ 21.5% |
| Income taxes67/77 | €8,180 | €466 | €6,606 | €11,693 | €10,044 | ▼ 14.1% |
| Profit (loss) for the period9904 | €23,047 | €176 | €16,871 | €33,273 | €25,270 | ▼ 24.1% |
| Profit (loss) for the period to be appropriated9905 | €23,047 | €176 | €16,871 | €33,273 | €25,270 | ▼ 24.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €106,052 | €87,395 | €105,569 | €129,250 | €131,030 | ▲ 1.4% |
| Formation expenses20 | €17,226 | €8,231 | €49 | €0 | €0 | - |
| Fixed assets21/28 | €2,222 | €3,522 | €3,348 | €2,962 | €2,470 | ▼ 16.6% |
| Tangible fixed assets22/27 | €21 | €1,321 | €1,147 | €761 | €270 | ▼ 64.6% |
| Furniture and vehicles24 | €21 | €1,321 | €1,147 | €761 | €270 | ▼ 64.6% |
| Financial fixed assets28 | €2,200 | €2,200 | €2,200 | €2,200 | €2,200 | = |
| Current assets29/58 | €86,604 | €75,642 | €102,172 | €126,288 | €128,560 | ▲ 1.8% |
| Amounts receivable within one year40/41 | €13,369 | €18,670 | €28,529 | €19,508 | €16,812 | ▼ 13.8% |
| Trade receivables40 | €13,369 | €10,136 | €17,414 | €16,927 | €15,329 | ▼ 9.4% |
| Other amounts receivable41 | - | €8,534 | €11,115 | €2,581 | €1,483 | ▼ 42.5% |
| Cash at bank and in hand54/58 | €72,445 | €54,498 | €71,973 | €101,998 | €107,603 | ▲ 5.5% |
| Deferred charges and accrued income490/1 | €791 | €2,474 | €1,670 | €4,782 | €4,146 | ▼ 13.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €106,052 | €87,395 | €105,569 | €129,250 | €131,030 | ▲ 1.4% |
| Equity10/15 | €62,780 | €62,957 | €79,828 | €98,597 | €113,868 | ▲ 15.5% |
| Contributions10/11 | €13,000 | €13,000 | €13,000 | €13,000 | €13,000 | = |
| Outside capital11 | €13,000 | €13,000 | €13,000 | €13,000 | €13,000 | = |
| Other1109/19 | €13,000 | €13,000 | €13,000 | €13,000 | €13,000 | = |
| Reserves13 | €49,780 | €49,780 | €66,652 | €85,421 | €100,691 | ▲ 17.9% |
| Non-distributable reserves130/1 | €178 | €178 | €178 | €178 | €178 | = |
| Reserves not available under the articles1311 | €178 | €178 | €178 | €178 | €178 | = |
| Distributable reserves133 | €49,602 | €49,602 | €66,474 | €85,243 | €100,513 | ▲ 17.9% |
| Profit (loss) carried forward14 | - | €176 | €176 | €176 | €176 | = |
| Amounts payable17/49 | €43,272 | €24,438 | €25,741 | €30,652 | €17,163 | ▼ 44.0% |
| Amounts payable after more than one year17 | €23,507 | €17,048 | €10,511 | €3,896 | €0 | ▼ 100% |
| Financial debts170/4 | €23,507 | €17,048 | €10,511 | €3,896 | €0 | ▼ 100% |
| Amounts payable within one year42/48 | €19,765 | €7,390 | €15,229 | €26,757 | €17,163 | ▼ 35.9% |
| Current portion of amounts payable after more than one year42 | €6,382 | €6,459 | €6,537 | €6,616 | €3,896 | ▼ 41.1% |
| Trade debts44 | €1,936 | €931 | €2,182 | €1,058 | €740 | ▼ 30.1% |
| Suppliers440/4 | €1,936 | €931 | €2,182 | €1,058 | €740 | ▼ 30.1% |
| Taxes, remuneration and social security45 | €10,719 | €0 | €6,510 | €7,963 | €3,027 | ▼ 62.0% |
| Taxes450/3 | €6,703 | €0 | €1,687 | €7,963 | €3,027 | ▼ 62.0% |
| Remuneration and social security454/9 | €4,016 | €0 | €4,823 | €0 | - | - |
| Other amounts payable47/48 | €727 | €0 | - | €11,120 | €9,500 | ▼ 14.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €23,047 | €176 | €16,871 | €33,273 | €25,270 | ▼ 24.1% |
| + Depreciation and write-downs630 | €9,417 | €9,409 | €8,875 | €881 | €492 | ▼ 44.2% |
| Operating cash flow (approximation) | €32,465 | €9,585 | €25,746 | €34,154 | €25,762 | ▼ 24.6% |
| Investment in fixed assets (approximation) | - | -€10,709 | -€8,701 | -€495 | €0 | ▲ 100% |
| Change in cash | - | -€17,947 | €17,475 | €30,024 | €5,606 | ▼ 81.3% |
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
28-08
State Gazette act
Registered officeRegistered-office move1 fact ▸
State Gazette act
Registered office
Registered-office move1 fact ▸
- Registered-office move, Rue Thirion, 18, 5310 Eghezée
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
2025
31-12
Financial
Equity above €100,000Eq €113,868 ▲15.5%
7 profitable years in a row build equity to €113,868.
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
31-12
Financial
Highest result since 2019net €33,273 ▲97.2%
Operating result €45,312, net result €33,273, both a record.
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Weakest financial yearnet €176 ▼99.2%
Net result drops to €176, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 10.24
Current ratio from 4.38 to 10.24; short-term debt falls from €19,765 to €7,390.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 12 days late
2020
11-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 11 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 4 acts read
About the unread acts
Of the 4 Belgian State Gazette acts we know for this company, 1 has been read. The other 3 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Eghezée · 1 establishment unit since 2019
Ground area
5,884 m²
Building footprint
1,265 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
Chaussée de Louvain 18, 5310 Eghezée
since 20192.288.957.993
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92035A0067/00E000 | Wallonia | 4,776 m² | 1 · 1,146 m² | - |
| 92034D0059/00A002 | Wallonia | 1,108 m² | 1 · 119 m² | - |
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.
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Of 1,682 companies in sector 66191 we hold annual accounts for 1,230. 1,074 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
Founded29-11-2018
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
Contact
Phone
0486/694826
E-invoicing
Reachable via Peppol
Peppol ID
0208:0714914744
Registered
29-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.