Financials · financial year 2025, micro format
Annual accounts 2025 filed on 25-06-2026 at the NBB all 2 filings
Equity
€28,555▲ 53.9%
2024 · €18,557
Net result
€9,998▼ 26.3%
2024 · €13,557
Total assets
€42,598▲ 31.4%
2024 · €32,411
Solvency
67.0%▲ 9.8pp
2024 · 57.3%
Multi-year overview
2024 to 2025, 2 financial yearsOperating result
€15,967
▼ 14.4%
2025
20242025
Net result
€9,998
▼ 26.3%
2025
middle half of the sector
20242025
Equity
€28,555
▲ 53.9%
2025
lowest quarter of the sector
20242025
Total assets
€42,598
▲ 31.4%
2025
lowest quarter of the sector
20242025
Debt
€14,044
▲ 1.4%
2025
20242025
Working capital
€28,555
▲ 53.9%
2025
middle half of the sector
20242025
Solvency
67.0%
▲ 9.8pp
2025
middle half of the sector
20242025
Current ratio
3.03
▲ 0.69
2025
middle half of the sector
20242025
Return on assets (ROA)
23.5%
▼ 18.4pp
2025
middle half of the sector
20242025
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line20242025
Operating result€18,646-€15,967▼ 14.4%
Net result€13,557within the sector's middle half-€9,998within the sector's middle half▼ 26.3%
Equity€18,557below the sector's middle half-€28,555below the sector's middle half▲ 53.9%
Total assets€32,411below the sector's middle half-€42,598below the sector's middle half▲ 31.4%
Debt€13,853-€14,044▲ 1.4%
Working capital€18,557within the sector's middle half-€28,555within the sector's middle half▲ 53.9%
Solvency57.3%within the sector's middle half-67.0%within the sector's middle half▲ 9.8pp
Current ratio2.34within the sector's middle half-3.03within the sector's middle half▲ 0.69
Return on assets (ROA)41.8%above the sector's middle half-23.5%within the sector's middle half▼ 18.4pp
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 14% lower than in 2024.
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
Equity and liabilities €42,598
Equity
€28,555 ▲ 53.9%
Debt
€14,044 ▲ 1.4%
Debt's share of the balance-sheet total falls from 42.7% to 33.0%. Equity and debt are higher.
Key figures and ratios
ROE
35.0%▼
2024 · 73.1%
Debt ≤ 1 year
€14,044▲
2024 · €13,853
Income taxes
€4,554▼
2024 · €5,102
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Other operating charges640/8 | €387 | €537 | ▲ 38.6% |
| Gross operating margin9900 | €19,033 | €16,503 | ▼ 13.3% |
| Operating profit (loss)9901 | €18,646 | €15,967 | ▼ 14.4% |
| Financial income75/76B | €13 | €0 | ▼ 99.9% |
| Recurring financial income75 | €13 | €0 | ▼ 99.9% |
| Financial charges65/66B | - | €1,415 | - |
| Recurring financial charges65 | - | €1,415 | - |
| Profit (loss) for the period before taxes9903 | €18,659 | €14,551 | ▼ 22.0% |
| Income taxes67/77 | €5,102 | €4,554 | ▼ 10.7% |
| Profit (loss) for the period9904 | €13,557 | €9,998 | ▼ 26.3% |
| Profit (loss) for the period to be appropriated9905 | €13,557 | €9,998 | ▼ 26.3% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €32,411 | €42,598 | ▲ 31.4% |
| Current assets29/58 | €32,411 | €42,598 | ▲ 31.4% |
| Amounts receivable within one year40/41 | €25,938 | €30,695 | ▲ 18.3% |
| Trade receivables40 | €24,200 | €27,545 | ▲ 13.8% |
| Other amounts receivable41 | €1,738 | €3,150 | ▲ 81.3% |
| Current investments50/53 | - | €6,400 | - |
| Cash at bank and in hand54/58 | €6,473 | €5,504 | ▼ 15.0% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €32,411 | €42,598 | ▲ 31.4% |
| Equity10/15 | €18,557 | €28,555 | ▲ 53.9% |
| Contributions10/11 | €5,000 | €5,000 | = |
| Reserves13 | €13,557 | €23,555 | ▲ 73.7% |
| Distributable reserves133 | €13,557 | €23,555 | ▲ 73.7% |
| Amounts payable17/49 | €13,853 | €14,044 | ▲ 1.4% |
| Amounts payable within one year42/48 | €13,853 | €14,044 | ▲ 1.4% |
| Trade debts44 | €2,268 | €305 | ▼ 86.5% |
| Suppliers440/4 | €2,268 | €305 | ▼ 86.5% |
| Taxes, remuneration and social security45 | €11,586 | €13,738 | ▲ 18.6% |
| Taxes450/3 | €11,586 | €13,736 | ▲ 18.6% |
| Remuneration and social security454/9 | - | €2 | - |