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 1,847 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.
Overview
Activity
Insurance agents and brokers
NACE 66220Agents and brokers in banking services NACE 66191
10th largest employer in Hainaut, Auxiliary financial services sector4 sites
Size
≈ €2.5mturnover 2025, estimated
- Staff
- 14.5 FTE
- Equity
- €234,779
- Profit
- €163,080
Turnover estimated from the gross marginNet result +8,557%: other schema
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
Structure
- JL CONSULTDirector · permanent representative LOYEZ Joséphine
- RLG ManagementDirector · permanent representative LECLERCQ Rémy
2025 accounts filed 28 days late5 of 6 deeds summarised
Signalsraises riskWeak solvency vs sector2025 accounts filed 28 days lateShow the evidence
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.
Bankruptcy probability, 12 months
This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
Two signals.
raises risk
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 1847 sector peers (2025).
NBB · sector comparisonPosition among 1847 sector peers
Solvency
better than 18%
← weakest
strongest →
raises risk · 2025 accounts filed 28 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 3 filingsDeviation from the deadline
2025
28 days late
2024
26 days late
2023
31 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 28 days after the deadline; the sector median (NACE 66) for financial year 2024 is 5 days before the deadline, and 39% 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 28 August (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
31-10-2026 today31-12-2026 year end31-07-2027 deadline
- Annual accounts filedfinancial year 2025 · abbreviated…
- Highest result from 2023 to 2025net €163,080 ▲8,557%
- Equity above €200,000equity €234,779 ▲227%
Financials · financial year 2025, abbreviated format
In the rankings
#10 employer in Hainaut, Auxiliary financial services sector
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▲ 87×
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 6.1 times 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
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€2.6m
2025
Equity€0.2m
2025
Debt€2.3m
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital-€0.1m
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)6.3%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency9.1%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio0.79
2025
Average staff in full-time equivalents (FTE).
Staff (FTE)14.5
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▲ 87×
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.
The turnover shown is an estimate from the gross margin.
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
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
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| 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 | ▲ 49× |
| Income taxes67/77 | €0.03m | €0.003m | €0.06m | ▲ 23× |
| Profit (loss) for the period9904 | €0.05m | €0.002m | €0.2m | ▲ 87× |
| Profit (loss) for the period to be appropriated9905 | €0.05m | €0.002m | €0.2m | ▲ 87× |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| 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 | ▲ 15× |
| 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 | - | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €0.05m | €0.002m | €0.2m | ▲ 87× |
| + 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.
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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Of the 4,604 active companies whose main activity is insurance agents and brokers (NACE 66220), figures are known for 3,225. 2,766 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Directors
2 directors, last change in 2025
Board 2
JL CONSULT
CurrentDirector · since 29-08-2022 · Private limited company · permanent representative: LOYEZ Joséphine
RLG Management
CurrentDirector · since 01-07-2024 · Private limited company · permanent representative: LECLERCQ Rémy
Permanent representatives 2
LOYEZ Joséphine
CurrentPermanent representative · since 29-08-2022 · for JL CONSULT
LECLERCQ Rémy
CurrentPermanent representative · since 01-07-2024 · for RLG Management
Derived from published Gazette deeds. The KBO keeps the official list of office holders; we do not read it, so the two can differ.
See the directors and other office holders in the KBO →
Not every act has been read: a resignation may still be missing
1 of this company's 6 Belgian Official Gazette deeds has not been read yet. Appointments and resignations recorded in them are not yet in the list of directors: someone who resigned there may still be listed as sitting. The acts are in the Timeline.
Mandate history
5 people since 2022, 2 in office
- Board
| Name | Functions and periods |
|---|---|
| JL CONSULT |
|
| RLG Management |
|
| VIAU |
|
| VANDENDRIESSCHE André |
|
| AD CONSULT |
|
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
Group and network
Connections & network
2 current directorsThe board mandates are listed below; here you explore them as a network.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
History
On 28 April 2022, My-Solution was incorporated as a private limited company.1 The name was changed to My-Solution in 2024.2 Of the 2 current board members, JL CONSULT has served longest, since 2022.3 Total assets went from €1.2m in 2023 to €2.6m in 2025 and headcount from 4.2 to 14.5 full-time equivalents.4
Acts, filings and financial milestones
Next filing, financial year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
financial year 2025 · abbreviated format · 28 days late
2025
31-12
Financial
Highest result from 2023 to 2025net €163,080 ▲8,557%
Operating result €285,377, net result €163,080, both a record.
31-12
Financial
Equity above €200,000equity €234,779 ▲227%
A profit in every financial year since 2023 builds equity to €234,779.
02-10
Gazette deed
Resignations: André Vandendriessche (director) and SRL VIAU (director)Director discharge5 facts ▸
Gazette deed
Resignations: André Vandendriessche (director) and SRL VIAU (director)
Director discharge5 facts ▸
- General meeting, 21-08-2025
- Director resignation, André Vandendriessche (director)
- Director resignation, SRL VIAU (director)
- Director discharge, André Vandendriessche
- Director discharge, SRL VIAU
26-08
NBB filing
Annual accounts filed
financial year 2024 · full format · 26 days late
2024
31-12
Financial
Weakest financial yearnet €1,884 ▼96.2%
Net result drops to €1,884, the lowest in the series; recovery starts the following year.
06-11
Gazette deed
NameName change2 facts ▸
Gazette deed
Name
Name change2 facts ▸
- General meeting, 04-11-2024
- Name change, My-Solution
16-09
Gazette deed
Appointments: RLG Management SRL, VIAU SRL and VANDENDRIESSCHE AndréPermanent representatives: LECLERCQ Rémy, FAUVARQUE Vincent and SABBE Aude9 facts ▸
Gazette deed
Appointments: RLG Management SRL, VIAU SRL and VANDENDRIESSCHE André
Permanent representatives: LECLERCQ Rémy, FAUVARQUE Vincent and SABBE Aude9 facts ▸
- General meeting, 30-06-2024
- Director appointment, RLG Management SRL (director)
- Permanent representative, LECLERCQ Rémy (director)
- Director appointment, VIAU SRL (director)
- Permanent representative, FAUVARQUE Vincent (director)
- Permanent representative, SABBE Aude (director)
- Director appointment, VANDENDRIESSCHE André (director)
- Other provision, 30-06-2024 (2 times)
- Board meeting, 30-06-2024
31-08
NBB filing
Annual accounts filed
financial year 2023 · full format · 31 days late
24-06
Gazette deed
Resignation: AD CONSULT SRL (director)2 facts ▸
Gazette deed
Resignation: AD CONSULT SRL (director)
2 facts ▸
- General meeting, 29-12-2023
- Director resignation, AD CONSULT SRL (director)
2022
04-10
Gazette deed
Appointments: AD CONSULT SRL (director) and JL CONSULT SRL (director)Permanent representatives: DEBAILLEUL Anthony and LOYEZ Joséphine8 facts ▸
Gazette deed
Appointments: AD CONSULT SRL (director) and JL CONSULT SRL (director)
Permanent representatives: DEBAILLEUL Anthony and LOYEZ Joséphine8 facts ▸
- General meeting, 29-07-2022
- Director appointment, AD CONSULT SRL (director)
- Permanent representative, DEBAILLEUL Anthony (director) (2 times)
- Board meeting, 29-07-2022
- General meeting, 29-08-2022
- Director appointment, JL CONSULT SRL (director)
- Permanent representative, LOYEZ Joséphine (director) (2 times)
- Board meeting, 29-08-2022
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
5 of 6 deeds read
About the unread acts
Of the 6 Belgian Official Gazette deeds we know for this company, 5 have been read. The other one has not been read yet: what they contain is neither established nor disproved here.
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Register details
Identification
Legal formPrivate limited company
Founded28-04-2022
Financial year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
66220Insurance agents and brokers
64999Other financial services
66199Other activities auxiliary to financial services, excluding insurance and pension funding
70200Business and other management consultancy
82100Office administrative and support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0785497783
Also
9925:BE0785497783
Registered
21-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 31 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
Location & real-estate footprint
Registered office, Tournai · 4 establishment units since 2022
Ground area
1,989 m²
Building footprint
941 m²
Building volume
9,864 m³
4 parcels, Wallonia · tallest building 16.7 m. Linked by address, not a title deed.
4 establishment units
My-Solution
since 2022unit no. 2.331.342.342
My-Solution
since 2022unit no. 2.379.193.828
My-Solution
since 2024unit no. 2.379.193.927
My-Solution
since 2024unit no. 2.379.194.026
4 parcels
Wallonia
4
(100%)
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 54002C0259/00T003 | Wallonia | 666 m² | 1 · 687 m² | 16.7 m · 4 |
| 57059C0316/00P000 | Wallonia | 504 m² | 1 · 117 m² | - |
| 57078D0918/00E000 | Wallonia | 415 m² | 1 · 50 m² | 5.2 m · 1 |
| 54003R1221/00_000 | Wallonia | 403 m² | 1 · 87 m² | 11.5 m · 3 |
How the parcels are linked
Good to know
All 4 parcels match the address exactly.
Articles of association
What the company does
- Name clauseThe name the company operates under according to its articles.
- My-Solution
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- “L’article 10, dernier alinéa est modifié comme suit : Tout administrateur signe les engagements contractés au nom de la société de sa…”