Summary
Nextfactor 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 €83,271 and a net result of €8,677. Equity is growing by ~11% per year across the filed fiscal years. Its solvency ranks better than 79% of 2445 sector peers (fiscal year 2025). The company has been active since 2021 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.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-07-2026, 21 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
21 d early
2024
29 d late
2023
135 d late
2022
92 d late
2021
2 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 47 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% 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. Usually files around 29 August (4 of the last 5 filed years within 63 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed What held for this company on a given day: board, seat, name?Company as of a date
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, full schema
Equity
€83,271▲ 11.6%
2024 · €74,594
Net result
€8,677
2024 · -€6,346
Total assets
€91,572▼ 18.4%
2024 · €112,256
Solvency
90.9%▲ 24.5pp
2024 · 66.4%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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
Line20212022202320242025
Operating result-€12,425-€50,700€41,520▼ 18.1%€11,061▼ 73.4%€12,466▲ 12.7%
Net result-€16,300below the sector's middle half-€27,988within the sector's middle half€7,752within the sector's middle half▼ 72.3%-€6,346below the sector's middle half€8,677within the sector's middle half
Equity€45,200below the sector's middle half-€73,188below the sector's middle half▲ 61.9%€80,940below the sector's middle half▲ 10.6%€74,594below the sector's middle half▼ 7.8%€83,271below the sector's middle half▲ 11.6%
Total assets€154,297below the sector's middle half-€682,062within the sector's middle half▲ 342%€414,616below the sector's middle half▼ 39.2%€112,256below the sector's middle half▼ 72.9%€91,572below the sector's middle half▼ 18.4%
Debt€109,097-€608,874▲ 458%€333,676▼ 45.2%€37,662▼ 88.7%€8,301▼ 78.0%
Working capital€9,511within the sector's middle half-€420,227above the sector's middle half▲ 4,318%€266,257within the sector's middle half▼ 36.6%€60,227within the sector's middle half▼ 77.4%€76,054within the sector's middle half▲ 26.3%
Solvency29.3%within the sector's middle half-10.7%below the sector's middle half▼ 18.6pp19.5%below the sector's middle half▲ 8.8pp66.4%within the sector's middle half▲ 46.9pp90.9%above the sector's middle half▲ 24.5pp
Current ratio1.09within the sector's middle half-2.82within the sector's middle half▲ 1.733.12above the sector's middle half▲ 0.302.60within the sector's middle half▼ 0.5210.16above the sector's middle half▲ 7.56
Return on assets (ROA)-10.6%below the sector's middle half-4.1%within the sector's middle half▲ 14.7pp1.9%within the sector's middle half▼ 2.2pp-5.7%below the sector's middle half▼ 7.5pp9.5%above the sector's middle half▲ 15.1pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 13% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €89,572
Fixed assets
€5,216 ▼ 41.3%
Current assets
€84,355 ▼ 13.8%
Equity and liabilities €91,572
Equity
€83,271 ▲ 11.6%
Debt
€8,301 ▼ 78.0%
Debt's share of the balance-sheet total falls from 33.6% to 9.1%. Equity is higher and debt is lower.
Key figures and ratios
ROE
10.4%▲
2024 · -8.5%
Debt ≤ 1 year
€8,301▼
2024 · €37,662
Income taxes
€2,973
Staff costs
€104
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €1,050 | - |
| Remuneration, social security and pensions62 | - | - | - | - | €104 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,211 | €8,047 | €8,489 | €8,489 | €8,617 | ▲ 1.5% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | -€98,160 | -€198,952 | -€56,185 | - | - |
| Other operating charges640/8 | €348 | €38,743 | €88,417 | €612 | €650 | ▲ 6.2% |
| Gross operating margin9900 | -€8,867 | -€669 | -€60,526 | -€36,023 | €21,836 | ▲ 161% |
| Operating profit (loss)9901 | -€12,425 | €50,700 | €41,520 | €11,061 | €12,466 | ▲ 12.7% |
| Financial income75/76B | - | €1,216 | - | €0 | €4 | ▲ 937% |
| Recurring financial income75 | - | €1,216 | - | €0 | €4 | ▲ 937% |
| Financial charges65/66B | €3,875 | €21,415 | €31,269 | €17,407 | €819 | ▼ 95.3% |
| Recurring financial charges65 | €3,875 | €21,415 | €31,269 | €17,407 | €819 | ▼ 95.3% |
| Profit (loss) for the period before taxes9903 | -€16,300 | €30,501 | €10,252 | -€6,346 | €11,650 | ▲ 284% |
| Income taxes67/77 | - | €2,513 | €2,500 | - | €2,973 | - |
| Profit (loss) for the period9904 | -€16,300 | €27,988 | €7,752 | -€6,346 | €8,677 | ▲ 237% |
| Profit (loss) for the period to be appropriated9905 | -€16,300 | €27,988 | €7,752 | -€6,346 | €8,677 | ▲ 237% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €154,297 | €682,062 | €414,616 | €112,256 | €91,572 | ▼ 18.4% |
| Formation expenses20 | €15,922 | €12,442 | €8,961 | €5,481 | €2,001 | ▼ 63.5% |
| Fixed assets21/28 | €19,934 | €18,747 | €13,738 | €8,886 | €5,216 | ▼ 41.3% |
| Intangible fixed assets21 | €19,934 | €18,747 | €13,738 | €8,729 | €3,720 | ▼ 57.4% |
| Tangible fixed assets22/27 | - | - | - | - | €1,151 | - |
| Plant, machinery and equipment23 | - | - | - | - | €1,151 | - |
| Financial fixed assets28 | - | - | - | €157 | €345 | ▲ 120% |
| Current assets29/58 | €118,441 | €650,873 | €391,917 | €97,889 | €84,355 | ▼ 13.8% |
| Amounts receivable within one year40/41 | €10,346 | €554,074 | €356,976 | €41,137 | €19,686 | ▼ 52.1% |
| Trade receivables40 | €1,119 | €489,446 | €321,211 | €3,196 | €6,517 | ▲ 104% |
| Other amounts receivable41 | €9,226 | €64,628 | €35,765 | €37,941 | €13,169 | ▼ 65.3% |
| Current investments50/53 | - | - | - | - | €14,083 | - |
| Cash at bank and in hand54/58 | €107,242 | €95,728 | €34,420 | €56,753 | €50,587 | ▼ 10.9% |
| Deferred charges and accrued income490/1 | €853 | €1,071 | €520 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €154,297 | €682,062 | €414,616 | €112,256 | €91,572 | ▼ 18.4% |
| Equity10/15 | €45,200 | €73,188 | €80,940 | €74,594 | €83,271 | ▲ 11.6% |
| Contributions10/11 | €61,500 | €61,500 | €61,500 | €61,500 | €61,500 | = |
| Capital10 | €61,500 | €61,500 | €61,500 | €61,500 | €61,500 | = |
| Issued capital100 | €61,500 | €61,500 | €61,500 | €61,500 | €61,500 | = |
| Reserves13 | - | - | - | - | €8,677 | - |
| Non-distributable reserves130/1 | - | - | - | - | €475 | - |
| Legal reserve130 | - | - | - | - | €475 | - |
| Distributable reserves133 | - | - | - | - | €8,202 | - |
| Profit (loss) carried forward14 | -€16,300 | €11,688 | €19,440 | €13,094 | €13,094 | = |
| Amounts payable17/49 | €109,097 | €608,874 | €333,676 | €37,662 | €8,301 | ▼ 78.0% |
| Amounts payable after more than one year17 | - | €373,346 | €202,197 | - | - | - |
| Financial debts170/4 | - | €373,346 | €202,197 | - | - | - |
| Amounts payable within one year42/48 | €108,930 | €230,646 | €125,659 | €37,662 | €8,301 | ▼ 78.0% |
| Financial debts43 | €100,000 | - | - | - | €271 | - |
| Credit institutions430/8 | - | - | - | - | €271 | - |
| Other loans439 | €100,000 | - | - | - | - | - |
| Trade debts44 | €8,680 | €191,976 | €99,787 | €35,162 | €5,180 | ▼ 85.3% |
| Suppliers440/4 | €8,680 | €191,976 | €99,787 | €35,162 | €5,180 | ▼ 85.3% |
| Taxes, remuneration and social security45 | - | €2,513 | €5,013 | €2,500 | €2,849 | ▲ 14.0% |
| Taxes450/3 | - | €2,513 | €5,013 | €2,500 | €2,849 | ▲ 14.0% |
| Other amounts payable47/48 | €250 | €36,156 | €20,859 | - | - | - |
| Accrued charges and deferred income492/3 | €167 | €4,882 | €5,820 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€16,300 | €27,988 | €7,752 | -€6,346 | €8,677 | ▲ 237% |
| + Depreciation and write-downs630 | €3,211 | €8,047 | €8,489 | €8,489 | €8,617 | ▲ 1.5% |
| Operating cash flow (approximation) | -€13,089 | €36,036 | €16,241 | €2,144 | €17,294 | ▲ 707% |
| Investment in fixed assets (approximation) | - | -€6,860 | -€3,480 | -€3,637 | -€4,947 | ▼ 36.0% |
| Change in cash | - | -€11,514 | -€61,308 | €22,333 | -€6,166 | ▼ 128% |
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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Back to profitnet €8,677
Net result €8,677 after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 10.16
Current ratio from 2.60 to 10.16; short-term debt falls from €37,662 to €8,301.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
13-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 135 days late
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 92 days late
2022
31-12
Financial
Back to profitnet €27,988
Net result €27,988 after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 2.82
Current ratio from 1.09 to 2.82.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
2 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, Mortsel · 1 establishment unit since 2021
Ground area
9,953 m²
Building footprint
1,124 m²
Volume, LiDAR
21,104 m³
2 parcels, Flanders · tallest building 25.2 m, ±6 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
NEXTFACTOR
since 20212.319.525.168
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11303B0445/00N008 | Flanders | 9,631 m² | 1 · 998 m² | 25.2 m · 6 fl. |
| 11512B0008/00S002 | Flanders | 323 m² | 1 · 126 m² | 12.3 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 ownerOwners 1
- Sourceaccounts COMFIN 202550%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Similar companies · same sector, comparable size
WILDUP
BE 0693.774.979
Zedelgem · Eq €107,275
Cegid Fin Belgium
BE 0629.721.921
Oudergem · Eq €125,300
AM Consilium
BE 0697.831.757
Oupeye · Eq €26,671
COMMERCIAL FINANCE GROUP
BE 0465.178.247
Dilbeek · Eq €288,587
Ideaal Wonen
BE 0437.945.496
Aalter · Eq €383,963
Of 29 companies in sector 64923 we hold annual accounts for 19. 7 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded29-04-2021
Fiscal year end31-12
Activities, NACEBEL 2025
64923Financial service activities, except insurance and pension funding
82910Office administrative, office support and other business support activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0767651664
Also
9925:BE0767651664
Registered
18-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.