Summary
NERIDIS 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 €255,946 and a net result of -€7,151. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 78% of 1502 sector peers (fiscal year 2025). The company has been active since 1995 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
Two signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
192022232425
2019 to 2025 · latest year €255,946
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
126 d late
2023
29 d late
2022
32 d late
2020
29 d early
2019
59 d late
2018
83 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 47 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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€255,946▲ 59.9%
2024 · €160,113
Net result
-€7,151▲ 74.2%
2024 · -€27,716
Total assets
€352,194▼ 5.1%
2024 · €370,935
Solvency
72.7%▲ 29.5pp
2024 · 43.2%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202022202320242025
Turnover
Operating result-€26,350€27,772-€5,231▼ 81.2%-€21,948-€4,597▲ 79.1%
Net result-€32,729below the sector's middle half€19,370within the sector's middle half-€331below the sector's middle half▼ 98.3%-€27,716below the sector's middle half-€7,151below the sector's middle half▲ 74.2%
Equity€145,860within the sector's middle half▼ 18.3%€187,497within the sector's middle half-€187,829within the sector's middle half▲ 0.2%€160,113within the sector's middle half▼ 14.8%€255,946within the sector's middle half▲ 59.9%
Total assets€486,270within the sector's middle half▲ 14.7%€480,196within the sector's middle half-€413,149within the sector's middle half▼ 14.0%€370,935within the sector's middle half▼ 10.2%€352,194below the sector's middle half▼ 5.1%
Debt€224,257▲ 73.7%€282,448-€225,320▼ 20.2%€210,823▼ 6.4%€96,247▼ 54.3%
Working capital-€155,628below the sector's middle half-€175,129below the sector's middle half--€165,890below the sector's middle half▲ 5.3%-€152,221below the sector's middle half▲ 8.2%-€37,892below the sector's middle half▲ 75.1%
Solvency30.0%within the sector's middle half▼ 12.1pp39.0%within the sector's middle half-45.5%within the sector's middle half▲ 6.4pp43.2%within the sector's middle half▼ 2.3pp72.7%above the sector's middle half▲ 29.5pp
Current ratio0.13below the sector's middle half▼ 3.910.13below the sector's middle half-0.01below the sector's middle half▼ 0.130.00below the sector's middle half=0.31below the sector's middle half▲ 0.31
Return on assets (ROA)-6.7%below the sector's middle half▼ 36.7pp4.0%within the sector's middle half-0.1%below the sector's middle half▼ 4.0pp-7.5%below the sector's middle half▼ 7.6pp-2.0%below the sector's middle half▲ 5.4pp
Staff (FTE)
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
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 stays negative: a loss of €4,597 in 2025 against €21,948 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €352,194
Fixed assets
€334,824 ▼ 9.7%
Current assets
€17,370 ▲ 7,083%
Equity and liabilities €352,194
Equity
€255,946 ▲ 59.9%
Debt
€96,247 ▼ 54.3%
Debt's share of the balance-sheet total falls from 56.8% to 27.3%. Equity is higher and debt is lower.
Key figures and ratios
ROE
-2.8%▲
2024 · -17.3%
Debt ≤ 1 year
€55,262▼
2024 · €152,463
Income taxes
€404▼
2024 · €2,960
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €0 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10,469 | €15,166 | €41,385 | €41,385 | €21,457 | ▼ 48.2% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | €0 | - | - | - | - |
| Other operating charges640/8 | - | €2,543 | €2,474 | €2,923 | €3,055 | ▲ 4.5% |
| Gross operating margin9900 | €5,342 | €45,482 | €49,090 | €22,360 | €19,916 | ▼ 10.9% |
| Operating profit (loss)9901 | -€26,350 | €27,772 | €5,231 | -€21,948 | -€4,597 | ▲ 79.1% |
| Financial income75/76B | - | €81 | €0 | - | - | - |
| Recurring financial income75 | €4 | €81 | €0 | - | - | - |
| Financial charges65/66B | - | €3,107 | €3,999 | €2,808 | €2,150 | ▼ 23.4% |
| Recurring financial charges65 | €3,041 | €3,107 | €3,999 | €2,808 | €2,150 | ▼ 23.4% |
| Profit (loss) for the period before taxes9903 | -€29,386 | €24,746 | €1,232 | -€24,756 | -€6,747 | ▲ 72.7% |
| Income taxes67/77 | €3,342 | €5,376 | €901 | €2,960 | €404 | ▼ 86.4% |
| Profit (loss) for the period9904 | -€32,729 | €19,370 | €331 | -€27,716 | -€7,151 | ▲ 74.2% |
| Profit (loss) for the period to be appropriated9905 | -€32,729 | €19,370 | €331 | -€27,716 | -€7,151 | ▲ 74.2% |
| Line | 2020 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €486,270 | €480,196 | €413,149 | €370,935 | €352,194 | ▼ 5.1% |
| Fixed assets21/28 | €463,320 | €453,463 | €412,078 | €370,694 | €334,824 | ▼ 9.7% |
| Tangible fixed assets22/27 | €463,320 | €453,463 | €412,078 | €370,694 | €334,824 | ▼ 9.7% |
| Land and buildings22 | - | €453,463 | €412,078 | €370,694 | €334,824 | ▼ 9.7% |
| Plant, machinery and equipment23 | - | €0 | - | - | - | - |
| Furniture and vehicles24 | - | €0 | - | - | - | - |
| Current assets29/58 | €22,950 | €26,733 | €1,071 | €242 | €17,370 | ▲ 7,083% |
| Amounts receivable within one year40/41 | €954 | €12,431 | €0 | - | €17,355 | - |
| Trade receivables40 | - | €12,431 | €0 | - | - | - |
| Other amounts receivable41 | - | €0 | - | - | €17,355 | - |
| Cash at bank and in hand54/58 | €4,719 | €17 | €16 | €15 | €15 | ▼ 2.7% |
| Deferred charges and accrued income490/1 | - | €14,285 | €1,055 | €226 | €0 | ▼ 100% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €486,270 | €480,196 | €413,149 | €370,935 | €352,194 | ▼ 5.1% |
| Equity10/15 | €145,860 | €187,497 | €187,829 | €160,113 | €255,946 | ▲ 59.9% |
| Contributions10/11 | - | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Outside capital11 | - | - | - | - | €18,592 | - |
| Other1109/19 | - | - | - | - | €18,592 | - |
| Reserves13 | €22,860 | €22,860 | €22,860 | €22,860 | €11,860 | ▼ 48.1% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Tax-exempt reserves132 | - | €21,000 | €21,000 | €21,000 | €10,000 | ▼ 52.4% |
| Profit (loss) carried forward14 | €104,408 | €146,045 | €146,377 | €118,661 | €225,494 | ▲ 90.0% |
| Provisions and deferred taxes16 | €116,153 | €10,250 | €0 | - | - | - |
| Provisions for liabilities and charges160/5 | - | €10,250 | €0 | - | - | - |
| Pensions and similar obligations160 | - | €0 | - | - | - | - |
| Other liabilities and charges164/5 | - | €10,250 | €0 | - | - | - |
| Amounts payable17/49 | €224,257 | €282,448 | €225,320 | €210,823 | €96,247 | ▼ 54.3% |
| Amounts payable after more than one year17 | €45,680 | €15,227 | €0 | - | - | - |
| Financial debts170/4 | - | €15,227 | €0 | - | - | - |
| Amounts payable within one year42/48 | €178,577 | €201,862 | €166,960 | €152,463 | €55,262 | ▼ 63.8% |
| Current portion of amounts payable after more than one year42 | - | €15,227 | €3,104 | €0 | - | - |
| Financial debts43 | - | €14,885 | €18,299 | €15,445 | €20,884 | ▲ 35.2% |
| Credit institutions430/8 | - | €14,885 | €18,299 | €15,445 | €20,884 | ▲ 35.2% |
| Trade debts44 | €0 | €20,155 | €8,124 | €5,140 | €18,443 | ▲ 259% |
| Suppliers440/4 | - | €20,155 | €8,124 | €5,140 | €18,443 | ▲ 259% |
| Taxes, remuneration and social security45 | - | €44,956 | €34,206 | €17,843 | €15,935 | ▼ 10.7% |
| Taxes450/3 | - | €44,956 | €34,206 | €17,843 | €15,935 | ▼ 10.7% |
| Other amounts payable47/48 | - | €106,638 | €103,227 | €114,035 | - | - |
| Accrued charges and deferred income492/3 | - | €65,360 | €58,360 | €58,360 | €40,985 | ▼ 29.8% |
| Line | 2020 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€32,729 | €19,370 | €331 | -€27,716 | -€7,151 | ▲ 74.2% |
| + Depreciation and write-downs630 | €10,469 | €15,166 | €41,385 | €41,385 | €21,457 | ▼ 48.2% |
| Operating cash flow (approximation) | -€22,259 | €34,536 | €41,716 | €13,669 | €14,306 | ▲ 4.7% |
| Investment in fixed assets (approximation) | - | - | €0 | €0 | €14,413 | - |
| Change in cash | - | - | -€1 | -€1 | -€0 | ▲ 25.0% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Equity above €200,000Eq €255,946 ▲59.9%
Equity rises from €160,113 to €255,946.
04-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 126 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Back to profitnet €19,370
Net result €19,370 after one loss-making year.
31-12
Financial
Equity above €150,000Eq €187,497 ▲28.5%
Equity rises from €145,860 to €187,497.
2021
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet -€32,729
Net result drops to -€32,729, the lowest in the series; recovery starts the following year.
28-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 59 days late
2019
22-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 83 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Namur · 1 establishment unit since 1995
Ground area
1,635 m²
Building footprint
132 m²
Volume, LiDAR
804 m³
Parcel 92082C0308/00Y000, Wallonia · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
NERIDIS
since 19952.070.505.976
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92082C0308/00Y000 | Wallonia | 1,635 m² | 1 · 132 m² | 8.4 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 4,673 companies in sector 66220 we hold annual accounts for 3,222. 2,779 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formCoöperatieve vennootschap met beperkte aansprakelijkheid
Founded09-02-1995
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
E-invoicing
Not found in the Peppol register
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Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.