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My-Solution

Active Risk: not assessed
Private limited companyfounded 2022active for 4 yearsRue de Formanoir(TEM) 87A, 7520 Tournai, BelgiumKBO/BCE: BE 0785.497.783
Summary

My-Solution 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 €234,779 and a net result of €163,080. Equity is growing by about 115% per year across the filed financial years. Its solvency ranks better than 18% of 1,840 sector peers (NACE 66, financial year 2025). The company has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals.

Financials · financial year 2025, abbreviated format

2025 annual accounts filed late (28 days) Filed on 28 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00475998.

Equity
€234,779▲ 227%
2024 · €71,699
Net result
€163,080▲ 8,557%
2024 · €1,884
Total assets
€2.6m▼ 6.8%
2024 · €2.8m
Solvency
9.1%▲ 6.5pp
2024 · 2.6%
Trend over the years

2023 to 2025, 3 financial years

The operating result recovers in 2025; 2025 is 511% above 2024 and is the highest result in the available series.

What the company sold each financial year and what was left of it. A loss stands below the zero line.

Operating result€0.3m 2025 Net result€0.2m 2025

Use the arrow keys on the chart for the figures per year.

Sector: the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. 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 financial year before
favourable unfavourable
Line202320242025
Operating result€0.1m-€0.05m▼ 55.7%€0.3m▲ 511%
Net result€0.05mwithin the sector's middle half-€0.002mbelow the sector's middle half▼ 96.2%€0.2mwithin the sector's middle half▲ 8,557%
Equity€0.07mbelow the sector's middle half-€0.07mbelow the sector's middle half▲ 2.7%€0.2mwithin the sector's middle half▲ 227%
Total assets€1.2mwithin the sector's middle half-€2.8mwithin the sector's middle half▲ 128%€2.6mabove the sector's middle half▼ 6.8%
Debt€1.1m-€2.7m▲ 136%€2.3m▼ 13.0%
Working capital-€0.09mbelow the sector's middle half--€0.3mbelow the sector's middle half▼ 270%-€0.1mbelow the sector's middle half▲ 60.6%
Solvency5.8%below the sector's middle half-2.6%below the sector's middle half▼ 3.2pp9.1%below the sector's middle half▲ 6.5pp
Current ratio0.68below the sector's middle half-0.54below the sector's middle half▼ 0.130.79below the sector's middle half▲ 0.25
Return on assets (ROA)4.1%within the sector's middle half-0.1%below the sector's middle half▼ 4.0pp6.3%within the sector's middle half▲ 6.3pp
Staff (FTE)4.2within the sector's middle half-9above the sector's middle half▲ 114%14.5above the sector's middle half▲ 61.1%
above within below the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Why a figure moved sharply
  • 2025 Net result +8,557%, Staff (FTE) +61% on 2024. The accounts now follow the abbreviated format, last year the full format.
Staff figure corrected
  • 2025 Filed: 809,044.5; shown: 14.5 (source: social balance report). The filed figure means under EUR 100 of staff costs per FTE.
  • 2024 Filed: 448,259; shown: 9 (source: social balance report). The filed figure means under EUR 100 of staff costs per FTE.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.6m
Fixed assets €2.1m ▼ 12.1%
Current assets €488,192 ▲ 26.2%
Equity and liabilities €2.6m
Equity €234,779 ▲ 227%
Debt €2.3m ▼ 13.0%
Debt's share of the balance-sheet total falls from 97.4% to 90.9%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
ROE
69.5%▲
2024 · 2.6%
Debt ≤ 1 year
€616,782▼
2024 · €712,845
Debt > 1 year
€1.7m▼
2024 · €2.0m
Income taxes
€60,917▲
2024 · €2,651
Staff costs
€809,045▲
2024 · €448,259
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet Code20242025
Assets
Total assets20/58€2.8m€2.6m▼
Fixed assets21/28€2.4m€2.1m▼
Intangible fixed assets21€2.3m€2.0m▼
Tangible fixed assets22/27€0.1m€0.1m▼
Plant, machinery and equipment23€0.006m€0.003m▼
Furniture and vehicles24€0.002m€0.03m▲
Other tangible fixed assets26€0.1m€0.06m▼
Current assets29/58€0.4m€0.5m▲
Amounts receivable within one year40/41€0.3m€0.1m▼
Trade receivables40€0.2m€0.07m▼
Other amounts receivable41€0.02m€0.04m▲
Cash at bank and in hand54/58€0.1m€0.4m▲
Equity and liabilities
Total equity and liabilities10/49€2.8m€2.6m▼
Equity10/15€0.07m€0.2m▲
Contributions10/11€0.02m€0.02m=
Reserves13€0.05m€0.05m=
Distributable reserves133€0.05m€0.05m=
Profit (loss) carried forward14-€0.2m
Amounts payable17/49€2.7m€2.3m▼
Amounts payable after more than one year17€2.0m€1.7m▼
Financial debts170/4€2.0m€1.7m▼
Amounts payable within one year42/48€0.7m€0.6m▼
Current portion of amounts payable after more than one year42€0.2m€0.2m▲
Trade debts44€0.2m€0.07m▼
Suppliers440/4€0.2m€0.07m▼
Taxes, remuneration and social security45€0.09m€0.2m▲
Taxes450/3€0.009m€0.02m▲
Remuneration and social security454/9€0.08m€0.2m▲
Other amounts payable47/48€0.3m€0.2m▼
Accrued charges and deferred income492/3€0.03m-
Income statement Code20242025
Remuneration, social security and pensions62€0.4m€0.8m▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€0.2m€0.3m▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€169
Other operating charges640/8€0.006m€0.009m▲
Gross operating margin9900€0.7m€1.4m▲
Operating profit (loss)9901€0.05m€0.3m▲
Financial income75/76B€0.001m€0.001m▲
Recurring financial income75€0.001m€0.001m▲
Financial charges65/66B€0.04m€0.06m▲
Recurring financial charges65€0.04m€0.06m▲
Profit (loss) for the period before taxes9903€0.005m€0.2m▲
Income taxes67/77€0.003m€0.06m▲
Profit (loss) for the period9904€0.002m€0.2m▲
Profit (loss) for the period to be appropriated9905€0.002m€0.2m▲
Appropriation of the result
Profit (loss) to be appropriated9906€0.002m€0.2m▲
Transfer to equity691/2€0.002m-
To other reserves6921€0.002m-
Social balance sheet
Average headcount (FTE)90879.014.5▲

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line202320242025Change
Remuneration, social security and pensions62€0.4m€0.4m€0.8m▲ 80.5%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€0.2m€0.2m€0.3m▲ 31.0%
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4--€169-
Other operating charges640/8€0.02m€0.006m€0.009m▲ 55.5%
Gross operating margin9900€0.7m€0.7m€1.4m▲ 90.8%
Operating profit (loss)9901€0.1m€0.05m€0.3m▲ 511%
Financial income75/76B-€0.001m€0.001m▲ 69.0%
Recurring financial income75-€0.001m€0.001m▲ 69.0%
Financial charges65/66B€0.03m€0.04m€0.06m▲ 45.9%
Recurring financial charges65€0.03m€0.04m€0.06m▲ 45.9%
Profit (loss) for the period before taxes9903€0.08m€0.005m€0.2m▲ 4,840%
Income taxes67/77€0.03m€0.003m€0.06m▲ 2,198%
Profit (loss) for the period9904€0.05m€0.002m€0.2m▲ 8,557%
Profit (loss) for the period to be appropriated9905€0.05m€0.002m€0.2m▲ 8,557%
Line202320242025Change
Assets
Total assets20/58€1.2m€2.8m€2.6m▼ 6.8%
Fixed assets21/28€1.0m€2.4m€2.1m▼ 12.1%
Intangible fixed assets21€1.0m€2.3m€2.0m▼ 11.6%
Tangible fixed assets22/27€0.05m€0.1m€0.1m▼ 21.7%
Plant, machinery and equipment23€0.009m€0.006m€0.003m▼ 53.9%
Furniture and vehicles24€0.001m€0.002m€0.03m▲ 1,434%
Other tangible fixed assets26€0.04m€0.1m€0.06m▼ 47.7%
Current assets29/58€0.2m€0.4m€0.5m▲ 26.2%
Amounts receivable within one year40/41€0.09m€0.3m€0.1m▼ 60.1%
Trade receivables40€0.09m€0.2m€0.07m▼ 72.9%
Other amounts receivable41-€0.02m€0.04m▲ 97.2%
Cash at bank and in hand54/58€0.09m€0.1m€0.4m▲ 214%
Equity and liabilities
Total equity and liabilities10/49€1.2m€2.8m€2.6m▼ 6.8%
Equity10/15€0.07m€0.07m€0.2m▲ 227%
Contributions10/11€0.02m€0.02m€0.02m=
Reserves13€0.05m€0.05m€0.05m=
Distributable reserves133€0.05m€0.05m€0.05m=
Profit (loss) carried forward14--€0.2m-
Amounts payable17/49€1.1m€2.7m€2.3m▼ 13.0%
Amounts payable after more than one year17€0.9m€2.0m€1.7m▼ 11.7%
Financial debts170/4€0.9m€2.0m€1.7m▼ 11.7%
Amounts payable within one year42/48€0.3m€0.7m€0.6m▼ 13.5%
Current portion of amounts payable after more than one year42€0.1m€0.2m€0.2m▲ 1.9%
Trade debts44€0.05m€0.2m€0.07m▼ 54.8%
Suppliers440/4€0.05m€0.2m€0.07m▼ 54.8%
Taxes, remuneration and social security45€0.07m€0.09m€0.2m▲ 101%
Taxes450/3€0.01m€0.009m€0.02m▲ 132%
Remuneration and social security454/9€0.06m€0.08m€0.2m▲ 97.3%
Other amounts payable47/48€0.04m€0.3m€0.2m▼ 40.0%
Accrued charges and deferred income492/3-€0.03m--
Line202320242025Change
Profit (loss) for the period9904€0.05m€0.002m€0.2m▲ 8,557%
+ Depreciation and write-downs630€0.2m€0.2m€0.3m▲ 31.0%
Operating cash flow (approximation)€0.3m€0.2m€0.5m▲ 95.5%
Investment in fixed assets (approximation)--€1.6m-€0.03m▲ 97.8%
Change in cash-€0.03m€0.3m▲ 786%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Filings with the National Bank (3)
Financial year Type Filed Reference
31-12-2025 abbreviated format 28-08-2026 2026-00475998
31-12-2024 full format 26-08-2025 2025-00408793
31-12-2023 full format 31-08-2024 2024-00427759

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Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.