Summary
MAXANE 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 €1.4m and a net result of €1.2m. Equity has been growing by about 11% per year since 2018. Its solvency ranks better than 37% of 6,692 sector peers (NACE 64, financial year 2025). The company has been active since 2001 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 17-12-2001 Normal situation
- Activity
- Activities of holding companies NACE 64210
- Establishment unit
- 2.098.815.328 4140 Sprimont, since 18-02-2002
- Financial year end
- 31 December
- Peppol
- Reachable since 07-10-2026
Financial position
Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
- Profit
- €1.2m
- ▲ 873%
- Equity
- €1.4m
- ▼ 48.1%
- Total assets
- €3.9m
- ▲ 23.2%
- 2025 accounts filed 25 days after the deadline
Net result +873%: other schema
Signalsraises risk2025 accounts filed 25 days lateShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
Credit check for an amount and term of your choice
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
1 signal.
raises risk
raises risk · 2025 accounts filed 25 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
25 days late
2024
60 days late
2023
9 days early
2022
30 days late
2021
12 days early
2020
25 days late
2019
61 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 26 days after the deadline. In the sector (NACE 64), the median for financial year 2024 was 14 days before the deadline, and 28% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 25 August (4 of the last 5 accounts filed within 35 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
Financials · financial year 2025, abbreviated format
2025 annual accounts filed 25 days after the deadline Filed on 25 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00423932.
Annual accounts 2025 filed on 25-08-2026 at the NBB all 24 filings
Equity
€1.4m▼ 48.1%
2024 · €2.7m
Net result
€1.2m▲ 873%
2024 · €124,625
Total assets
€3.9m▲ 23.2%
2024 · €3.2m
Solvency
35.7%▼ 49.1pp
2024 · 84.8%
In the rankings
#5 company by total assets in Sprimont, Finance and insurance sector#5 company by equity in Sprimont, Finance and insurance sector#7 oldest company in Sprimont, Finance and insurance sector
Trend over the years
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result for 2025 is 1% lower than in 2024 and the lowest since 2021. It is the second fall in a row.
Operating result€0.1m
2025
Net result€1.2m
2025
Total assets€3.9m
2025
Equity€1.4m
2025
Debt€2.5m
2025
Working capital€0.04m
2025
Return on assets (ROA)31.2%
2025
Solvency35.7%
2025
Current ratio1.02
2025
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Use the arrow keys on the chart for the figures per year.
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 dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio and return on assets (ROA).
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result€0.2m-€0.2m▲ 1.9%€0.2m▲ 0.2%€0.2m▼ 4.6%€0.2m▼ 5.4%€0.2m▲ 8.2%€0.1m▼ 11.4%€0.1m▼ 1.1%
Net result€0.1m-€0.5m▲ 358%€0.3mwithin the sector's middle half▼ 31.5%€0.6mwithin the sector's middle half▲ 81.6%€0.4mwithin the sector's middle half▼ 36.0%€0.1mwithin the sector's middle half▼ 63.8%€0.1mwithin the sector's middle half▼ 7.8%€1.2mabove the sector's middle half▲ 873%
Equity€1.2m-€1.7m▲ 39.4%€2.0mwithin the sector's middle half▲ 19.4%€2.6mwithin the sector's middle half▲ 31.2%€3.0mwithin the sector's middle half▲ 14.4%€3.1mwithin the sector's middle half▲ 4.5%€2.7mwithin the sector's middle half▼ 14.0%€1.4mwithin the sector's middle half▼ 48.1%
Total assets€1.4m-€1.8m▲ 31.4%€2.1mwithin the sector's middle half▲ 15.9%€2.7mwithin the sector's middle half▲ 27.4%€3.0mwithin the sector's middle half▲ 11.5%€3.1mwithin the sector's middle half▲ 3.9%€3.2mwithin the sector's middle half▲ 0.3%€3.9mabove the sector's middle half▲ 23.2%
Debt€0.2m-€0.2m▼ 14.5%€0.2m▼ 15.9%€0.1m▼ 23.0%€0.05m▼ 53.4%€0.04m▼ 30.7%€0.5m▲ 13×€2.5m▲ 420%
Working capital€0.007m-€0.4m▲ 61×€0.7mwithin the sector's middle half▲ 64.8%€1.3mwithin the sector's middle half▲ 78.2%€1.6mwithin the sector's middle half▲ 29.6%€1.7mwithin the sector's middle half▲ 6.0%€1.3mwithin the sector's middle half▼ 24.7%€0.04mwithin the sector's middle half▼ 96.9%
Solvency85.0%-90.3%▲ 5.2pp92.9%above the sector's middle half▲ 2.7pp95.7%above the sector's middle half▲ 2.8pp98.2%above the sector's middle half▲ 2.5pp98.8%above the sector's middle half▲ 0.6pp84.8%above the sector's middle half▼ 14.0pp35.7%within the sector's middle half▼ 49.1pp
Current ratio1.12-6.12▲ 4.997.58above the sector's middle half▲ 1.4721.27above the sector's middle half▲ 13.6985.80above the sector's middle half▲ 64.5381.36above the sector's middle half▼ 4.443.70above the sector's middle half▼ 77.661.02within the sector's middle half▼ 2.69
Return on assets (ROA)7.3%-25.5%▲ 18.2pp15.1%above the sector's middle half▼ 10.5pp21.5%above the sector's middle half▲ 6.4pp12.3%above the sector's middle half▼ 9.2pp4.3%within the sector's middle half▼ 8.0pp3.9%within the sector's middle half▼ 0.3pp31.2%above the sector's middle half▲ 27.2pp
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 turnover shown is an estimate from the gross margin.
Large changes and their cause
- 2025 Net result +873% on 2024. The accounts now follow the abbreviated format, last year the full format.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.9m
Fixed assets
€1.3m ▼ 2.0%
Current assets
€2.5m ▲ 42.6%
Equity and liabilities €3.9m
Equity
€1.4m ▼ 48.1%
Debt
€2.5m ▲ 420%
Debt's share of the balance-sheet total rises from 15.2% to 64.3%. Equity is lower and debt is higher.
Key figures and ratios
ROE
87.3%▲
2024 · 4.7%
Debt ≤ 1 year
€2.5m▲
2024 · €480,968
Income taxes
€38,267▼
2024 · €45,067
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Investments
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Tangible fixed assets | €88,929 | - | €42,133 | €2,048 | - |
| Depreciation and write-downs of the year | €10,662 | €17,786 | €24,190 | €26,212 | €27,577 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €0.007m | €0.007m | €0.007m | €0.01m | €0.02m | €0.02m | €0.03m | €0.03m | ▲ 5.2% |
| Other operating charges640/8 | - | - | - | €0.001m | €0.005m | €0.003m | €0.002m | €0.002m | ▲ 2.8% |
| Gross operating margin9900 | €0.2m | €0.2m | €0.2m | €0.2m | €0.2m | €0.2m | €0.2m | €0.2m | ▼ 0.1% |
| Operating profit (loss)9901 | €0.2m | €0.2m | €0.2m | €0.2m | €0.2m | €0.2m | €0.1m | €0.1m | ▼ 1.1% |
| Financial income75/76B | - | - | - | €0.4m | €0.3m | €0.02m | €0.03m | €1.1m | ▲ 38× |
| Recurring financial income75 | - | €0.4m | €0.3m | €0.4m | €0.3m | €0.02m | €0.03m | €1.1m | ▲ 38× |
| Non-recurring financial income76B | - | - | - | €1 | €2 | €0 | €0 | - | - |
| Financial charges65/66B | - | - | - | €0.003m | €0.002m | €0.001m | €0.005m | €233 | ▼ 95.5% |
| Recurring financial charges65 | €0.008m | €0.006m | €0.004m | €0.003m | €0.002m | €0.001m | €0.005m | €233 | ▼ 95.5% |
| Profit (loss) for the period before taxes9903 | €0.2m | €0.6m | €0.4m | €0.5m | €0.5m | €0.2m | €0.2m | €1.3m | ▲ 637% |
| Income taxes67/77 | €0.05m | €0.09m | €0.1m | -€0.04m | €0.09m | €0.05m | €0.05m | €0.04m | ▼ 15.1% |
| Profit (loss) for the period9904 | €0.1m | €0.5m | €0.3m | €0.6m | €0.4m | €0.1m | €0.1m | €1.2m | ▲ 873% |
| Profit (loss) for the period to be appropriated9905 | €0.1m | €0.5m | €0.3m | €0.6m | €0.4m | €0.1m | €0.1m | €1.2m | ▲ 873% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €1.4m | €1.8m | €2.1m | €2.7m | €3.0m | €3.1m | €3.2m | €3.9m | ▲ 23.2% |
| Fixed assets21/28 | €1.3m | €1.3m | €1.3m | €1.4m | €1.4m | €1.4m | €1.4m | €1.3m | ▼ 2.0% |
| Tangible fixed assets22/27 | €0.02m | €0.01m | €0.007m | €0.09m | €0.07m | €0.09m | €0.06m | €0.03m | ▼ 44.7% |
| Furniture and vehicles24 | - | - | - | €0.09m | €0.07m | €0.09m | €0.06m | €0.03m | ▼ 44.7% |
| Financial fixed assets28 | €1.3m | €1.3m | €1.3m | €1.3m | €1.3m | €1.3m | €1.3m | €1.3m | = |
| Current assets29/58 | €0.06m | €0.5m | €0.8m | €1.3m | €1.6m | €1.7m | €1.8m | €2.5m | ▲ 42.6% |
| Amounts receivable within one year40/41 | €0.04m | €0.04m | €0.04m | €0.1m | €0.03m | €0.03m | €0.03m | €0.04m | ▲ 26.0% |
| Trade receivables40 | - | - | - | €0.07m | €0.02m | €0.02m | €0.02m | €0.03m | ▲ 65.5% |
| Other amounts receivable41 | - | - | - | €0.06m | €0.02m | €0.02m | €0.01m | €0.01m | ▼ 15.0% |
| Cash at bank and in hand54/58 | €0.03m | €0.5m | €0.8m | €1.2m | €1.6m | €1.7m | €1.7m | €2.5m | ▲ 43.0% |
| Deferred charges and accrued income490/1 | - | - | - | €0.002m | €0.002m | €0.003m | €0.002m | €0.002m | ▲ 5.2% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €1.4m | €1.8m | €2.1m | €2.7m | €3.0m | €3.1m | €3.2m | €3.9m | ▲ 23.2% |
| Equity10/15 | €1.2m | €1.7m | €2.0m | €2.6m | €3.0m | €3.1m | €2.7m | €1.4m | ▼ 48.1% |
| Contributions10/11 | €0.007m | €0.007m | €0.007m | €0.007m | €0.007m | €0.007m | €0.007m | €0.007m | = |
| Reserves13 | €0.1m | €0.6m | €0.9m | €0.6m | €3.0m | €3.0m | €2.7m | €3.9m | ▲ 45.0% |
| Non-distributable reserves130/1 | - | - | - | €0.002m | €0.002m | €0.002m | - | €0.002m | - |
| Reserves not available under the articles1311 | - | - | - | €0.002m | €0.002m | €0.002m | - | €0.002m | - |
| Tax-exempt reserves132 | - | - | - | €0.01m | €0.01m | €0.01m | €0.01m | €0.01m | = |
| Distributable reserves133 | - | - | - | €0.6m | €3.0m | €3.0m | €2.7m | €3.9m | ▲ 45.1% |
| Profit (loss) carried forward14 | €1.1m | €1.1m | €1.1m | €2.0m | €0.007m | €0.1m | €0.002m | -€2.5m | - |
| Amounts payable17/49 | €0.2m | €0.2m | €0.2m | €0.1m | €0.05m | €0.04m | €0.5m | €2.5m | ▲ 420% |
| Amounts payable after more than one year17 | €0.2m | €0.1m | €0.04m | €0.05m | €0.03m | €0.02m | - | - | - |
| Financial debts170/4 | - | - | - | €0.05m | €0.03m | €0.02m | - | - | - |
| Amounts payable within one year42/48 | €0.06m | €0.08m | €0.1m | €0.06m | €0.02m | €0.02m | €0.5m | €2.5m | ▲ 420% |
| Current portion of amounts payable after more than one year42 | - | - | - | €0.06m | €0.02m | €0.02m | €0.02m | - | - |
| Trade debts44 | €0.001m | - | €0.03m | - | €0.001m | €0.001m | - | - | - |
| Suppliers440/4 | - | - | - | - | €0.001m | €0.001m | - | - | - |
| Taxes, remuneration and social security45 | - | - | - | - | - | €0.001m | €0.02m | €0.8m | ▲ 32× |
| Taxes450/3 | - | - | - | - | - | €0.001m | €0.02m | €0.8m | ▲ 32× |
| Other amounts payable47/48 | - | - | - | - | - | - | €0.4m | €1.8m | ▲ 296% |
| Accrued charges and deferred income492/3 | - | - | - | €0.001m | - | - | - | - | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €0.1m | €0.5m | €0.3m | €0.6m | €0.4m | €0.1m | €0.1m | €1.2m | ▲ 873% |
| + Depreciation and write-downs630 | €0.007m | €0.007m | €0.007m | €0.01m | €0.02m | €0.02m | €0.03m | €0.03m | ▲ 5.2% |
| Operating cash flow (approximation) | €0.1m | €0.5m | €0.3m | €0.6m | €0.4m | €0.2m | €0.2m | €1.2m | ▲ 722% |
| Investment in fixed assets (approximation) | - | €242 | €0 | -€0.09m | €0 | -€0.04m | -€0.002m | €0 | - |
| Change in cash | - | €0.4m | €0.3m | €0.4m | €0.4m | €0.1m | €0.03m | €0.8m | ▲ 22× |
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 24 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | abbreviated format | 25-08-2026 | 2026-00423932 | |
| 31-12-2024 | full format | 29-09-2025 | 2025-00522460 | |
| 31-12-2023 | full format | 22-07-2024 | 2024-00274737 | |
| 31-12-2022 | full format | 30-08-2023 | 2023-00416033 | |
| 31-12-2021 | full format | 19-07-2022 | 2022-20210201 | |
| 31-12-2020 | full format | 25-08-2021 | 2021-53200543 | |
| 31-12-2019 | full format | 30-09-2020 | 2020-57100322 | |
| 31-12-2018 | full format | 31-08-2019 | 2019-60400251 | |
| 31-12-2017 | full format | 31-08-2018 | 2018-56800590 | |
| 31-12-2016 | full format | 31-08-2017 | 2017-54700580 |
Board & ownership
Directors
Directors
1 director
CREUVEN CHRISTIAN
Current
Director · listed in the 2025 annual accounts, filed on 25-08-2026
Owners and capital
Owners
Network & group
Holdings and subsidiaries
1 holdingHoldings 1
- FINACsubsidiarySourceown accounts 2025Equity €68,200 Profit of €279,266 in 2025 (profit of €380,679 in 2024) Checked score 9499%
Connections & network
1 current directorThe network starts from the directors of MAXANE. Every other company they run is a node.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2026
25-08
abbreviated format · 25 days late
2025
31-12
Financial
Highest result from 2018 to 2025net €1.2m ▲873%
The net result of €1.2m is the highest of those years.
29-09
full format · 60 days late
2024
22-07
full format · 9 days before the deadline
2023
30-08
full format · 30 days late
2022
31-12
Financial
Liquidity quadruplescurrent ratio 85.80
The current ratio rises from 21.27 to 85.80. Short-term debt falls from €62,012 to €19,215.
19-07
full format · 12 days before the deadline
2021
31-12
Financial
Liquidity more than doubledcurrent ratio 21.27
The current ratio rises from 7.58 to 21.27. Short-term debt falls from €107,161 to €62,012.
31-12
Financial
Equity above €2mequity €2.6m ▲31.2%
With a profit in every financial year since 2018, equity grows to €2.6m.
25-08
full format · 25 days late
2020
30-09
full format · 61 days late
2019
31-12
Financial
Liquidity more than 5 timescurrent ratio 6.12
The current ratio rises from 1.12 to 6.12.
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
MAXANE in French
Enterprise number
0476.337.009
Legal form
Private limited company
Status
Active, normale toestand
Founded
17-12-2001
Entity type
Legal entity
Registered office and establishments
Registered office
Rue Ménage 26, 4140 Sprimont, Belgium
Establishment unit
Rue Ménage 26, 4140 Sprimont since 18-02-2002 · unit number 2.098.815.328
Activities
NACEBEL 202564210
Activities of holding companies main activity
Codes under NACEBEL 2008
64200
Holdings main activity
Invoicing and payment
VAT number
BE 0476.337.009
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Sites & property
Location
Buildings and parcels at the address
Ground area
1,474 m²
Building footprint
183 m²
Building volume
1,007 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 62100I1195/00C000 | Wallonia | 1,474 m² | 1 · 183 m² | 8.8 m · 2 |