PLUS
InactiveOverview
Activity
Activity not known
Size
€112,010total assets 2025
- Equity
- €45,966
- Loss
- -€26,498
Turnover not published (micro format)
Financial health
Inactive: no score
Structure
- Largest shareholder
- ABR VERZEKERINGSGROEP · 17.95%
1 of 5 deeds read
SignalsneutralLatest accounts filed on timeShow the evidence
Signals
1 signal.
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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 days early
2024
3 days early
2023
30 days late
2022
31 days late
2021
9 days late
2020
18 days early
2019
8 days early
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 7 accounts on average 5 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (1)
- Annual accounts filedfinancial year 2025 · micro…
- End & cessationResignations: AD-VICE, VAN HECKE WIM…
- Weakest financial yearnet -€26,498
Financials · financial year 2025, micro format
Turnover
€196,993
EBIT margin
0.7%
Net result
-€26,498
2024 · €344
Working capital
€87,320▲ 22.2%
2024 · €71,467
Trend over the years
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result turns negative in 2025: a loss of €21,947 after €10,039 in 2024, the lowest 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-€21,947
2025
Net result-€26,498
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€112,010
2025
Equity€45,966
2025
Debt€66,044
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital€87,320
2025
Average staff in full-time equivalents (FTE).
Staff (FTE)1.9
2024
Use the arrow keys on the chart for the figures per year.
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Turnover€196,993
Operating result-€1,638-€1,409€10,567▲ 650%€4,000▼ 62.1%-€1,539€18,038€10,039▼ 44.3%-€21,947
Net result-€1,638-€981€9,230▲ 841%€1,309▼ 85.8%-€5,738€8,844€344▼ 96.1%-€26,498
EBIT margin0.7%
Equity€17,818-€18,800▲ 5.5%€31,704▲ 68.6%€85,363▲ 169%€79,625▼ 6.7%€88,470▲ 11.1%€88,814▲ 0.4%€45,966▼ 48.2%
Total assets€105,328-€156,481▲ 48.6%€157,257▲ 0.5%€169,074▲ 7.5%€180,668▲ 6.9%€216,473▲ 19.8%€207,181▼ 4.3%€112,010▼ 45.9%
Debt€87,509-€137,681▲ 57.3%€125,553▼ 8.8%€83,711▼ 33.3%€101,043▲ 20.7%€128,003▲ 26.7%€118,367▼ 7.5%€66,044▼ 44.2%
Working capital€30,758-€4,733▼ 84.6%€24,671▲ 421%€70,838▲ 187%€62,219▼ 12.2%€69,920▲ 12.4%€71,467▲ 2.2%€87,320▲ 22.2%
Staff (FTE)0.82.9▲ 263%2.9=3.7▲ 27.6%2.3▼ 37.8%1.9▼ 17.4%
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €112,010
Equity
€45,966 ▼ 48.2%
Debt
€66,044 ▼ 44.2%
Debt's share of the balance-sheet total rises from 57.1% to 59.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€15,194▼
2024 · €33,400
Cash flow
-€19,745▼
2024 · €23,705
Current ratio
4.54▲
2024 · 1.77
Debt to equity
1.44▲
2024 · 1.33
ROE
-57.6%▼
2024 · 0.4%
ROA
-23.7%▼
2024 · 0.2%
Interest coverage
-3.54▼
2024 · 6.48
Debt ≤ 1 year
€24,690▼
2024 · €93,361
Debt > 1 year
€0▼
2024 · €25,006
Income taxes
€263▼
2024 · €6,288
Staff costs
€64,973▼
2024 · €123,396
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Turnover70 | - | €196,993 | - | - | - | - | - | - | - |
| Non-recurring operating income76A | - | - | - | €0 | - | - | - | €8,024 | - |
| Remuneration, social security and pensions62 | - | - | - | €170,489 | €233,365 | €160,957 | €123,396 | €64,973 | ▼ 47.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10,270 | €17,303 | €7,033 | €7,947 | €3,902 | €16,370 | €23,360 | €6,753 | ▼ 71.1% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | - | €12,702 | €37,071 | -€49,773 | - |
| Other operating charges640/8 | - | - | - | €2,118 | €26,633 | €13,866 | €11,736 | €112,351 | ▲ 857% |
| Non-recurring operating charges66A | - | - | - | - | - | - | - | €6,355 | - |
| Gross operating margin9900 | €8,827 | €66,472 | €108,263 | €184,555 | €262,361 | €221,933 | €205,603 | €118,711 | ▼ 42.3% |
| Operating profit (loss)9901 | -€1,638 | €1,409 | €10,567 | €4,000 | -€1,539 | €18,038 | €10,039 | -€21,947 | - |
| Financial income75/76B | - | - | - | €326 | €0 | €1,627 | €1,746 | €0 | ▼ 100.0% |
| Recurring financial income75 | - | - | €34 | €326 | €0 | €1,627 | €1,746 | €0 | ▼ 100.0% |
| Financial charges65/66B | - | - | - | €3,017 | €1,975 | €5,163 | €5,153 | €4,289 | ▼ 16.8% |
| Recurring financial charges65 | - | €428 | €1,372 | €3,017 | €1,975 | €5,163 | €5,153 | €4,289 | ▼ 16.8% |
| Profit (loss) for the period before taxes9903 | -€1,638 | €981 | €9,230 | €1,309 | -€3,514 | €14,502 | €6,632 | -€26,236 | - |
| Income taxes67/77 | - | - | - | - | €2,224 | €5,658 | €6,288 | €263 | ▼ 95.8% |
| Profit (loss) for the period9904 | -€1,638 | €981 | €9,230 | €1,309 | -€5,738 | €8,844 | €344 | -€26,498 | - |
| Profit (loss) for the period to be appropriated9905 | -€1,638 | €981 | €9,230 | €1,309 | -€5,738 | €8,844 | €344 | -€26,498 | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €105,328 | €156,481 | €157,257 | €169,074 | €180,668 | €216,473 | €207,181 | €112,010 | ▼ 45.9% |
| Fixed assets21/28 | €10,270 | €14,067 | €7,033 | €14,526 | €28,284 | €49,713 | €42,353 | €0 | ▼ 100% |
| Intangible fixed assets21 | €10,270 | €14,067 | €7,033 | €14,526 | €11,438 | €8,350 | €5,262 | €0 | ▼ 100% |
| Tangible fixed assets22/27 | - | - | - | - | €16,846 | €41,364 | €37,091 | €0 | ▼ 100% |
| Plant, machinery and equipment23 | - | - | - | - | €1,241 | €3,211 | €1,625 | €0 | ▼ 100% |
| Furniture and vehicles24 | - | - | - | - | €15,605 | €38,153 | €35,466 | €0 | ▼ 100% |
| Current assets29/58 | €95,058 | €142,414 | €150,224 | €154,549 | €152,384 | €166,759 | €164,828 | €112,010 | ▼ 32.0% |
| Amounts receivable within one year40/41 | €41,666 | €103,975 | €80,378 | €63,516 | €69,951 | €62,883 | €50,552 | €10,666 | ▼ 78.9% |
| Trade receivables40 | - | - | - | €38,678 | €36,385 | €38,090 | €19,011 | €8,409 | ▼ 55.8% |
| Other amounts receivable41 | - | - | - | €24,839 | €33,566 | €24,792 | €31,541 | €2,257 | ▼ 92.8% |
| Cash at bank and in hand54/58 | €53,392 | €38,439 | €67,955 | €62,822 | €56,574 | €103,538 | €114,277 | €101,344 | ▼ 11.3% |
| Deferred charges and accrued income490/1 | - | - | - | €28,210 | €25,860 | €339 | €0 | - | - |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €105,328 | €156,481 | €157,257 | €169,074 | €180,668 | €216,473 | €207,181 | €112,010 | ▼ 45.9% |
| Equity10/15 | €17,818 | €18,800 | €31,704 | €85,363 | €79,625 | €88,470 | €88,814 | €45,966 | ▼ 48.2% |
| Contributions10/11 | €40,950 | €40,950 | €0 | €96,975 | €96,975 | €96,975 | €96,975 | €80,625 | ▼ 16.9% |
| Contributions outside capital11 | - | - | - | €96,975 | €96,975 | €96,975 | €96,975 | €80,625 | ▼ 16.9% |
| Other1109/19 | - | - | - | €96,975 | €96,975 | €96,975 | €96,975 | €80,625 | ▼ 16.9% |
| Profit (loss) carried forward14 | -€23,132 | -€22,150 | -€12,921 | -€11,612 | -€17,350 | -€8,505 | -€8,161 | -€34,659 | ▼ 325% |
| Amounts payable17/49 | €87,509 | €137,681 | €125,553 | €83,711 | €101,043 | €128,003 | €118,367 | €66,044 | ▼ 44.2% |
| Amounts payable after more than one year17 | - | - | - | - | €10,878 | €31,164 | €25,006 | €0 | ▼ 100% |
| Financial debts170/4 | - | - | - | - | €10,878 | €31,164 | €25,006 | €0 | ▼ 100% |
| Amounts payable within one year42/48 | €64,300 | €137,681 | €125,553 | €83,711 | €90,165 | €96,839 | €93,361 | €24,690 | ▼ 73.6% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €5,122 | €12,726 | €18,332 | €0 | ▼ 100% |
| Trade debts44 | €40,278 | €51,961 | €96,621 | €44,315 | €26,594 | €30,471 | €33,649 | €6,042 | ▼ 82.0% |
| Suppliers440/4 | - | - | - | €44,315 | €26,594 | €30,471 | €33,649 | €6,042 | ▼ 82.0% |
| Taxes, remuneration and social security45 | - | - | - | €21,248 | €48,476 | €45,274 | €32,947 | €7,315 | ▼ 77.8% |
| Taxes450/3 | - | - | - | - | €22,580 | €18,359 | €22,328 | €7,315 | ▼ 67.2% |
| Remuneration and social security454/9 | - | - | - | €21,248 | €25,896 | €26,915 | €10,619 | €0 | ▼ 100% |
| Other amounts payable47/48 | - | - | - | €18,148 | €9,973 | €8,368 | €8,434 | €11,334 | ▲ 34.4% |
| Accrued charges and deferred income492/3 | - | - | - | - | - | - | - | €41,354 | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€1,638 | €981 | €9,230 | €1,309 | -€5,738 | €8,844 | €344 | -€26,498 | - |
| + Depreciation and write-downs630 | €10,270 | €17,303 | €7,033 | €7,947 | €3,902 | €16,370 | €23,360 | €6,753 | ▼ 71.1% |
| Operating cash flow (approximation) | €8,631 | €18,284 | €16,263 | €9,257 | -€1,836 | €25,215 | €23,705 | -€19,745 | - |
| Investment in fixed assets (approximation) | - | -€21,100 | €0 | -€15,439 | -€17,661 | -€37,800 | -€16,000 | €35,600 | - |
| Change in cash | - | -€14,954 | €29,517 | -€5,133 | -€6,248 | €46,964 | €10,739 | -€12,933 | - |
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 (10)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 23-07-2026 | 2026-00322928 |
| 31-12-2024 | micro format | 28-07-2025 | 2025-00316923 |
| 31-12-2023 | micro format | 30-08-2024 | 2024-00414104 |
| 31-12-2022 | micro format | 31-08-2023 | 2023-00397590 |
| 31-12-2021 | micro format | 09-08-2022 | 2022-20278496 |
| 31-12-2020 | micro format | 13-07-2021 | 2021-34600464 |
| 31-12-2019 | micro format | 23-07-2020 | 2020-33400377 |
| 31-12-2018 | micro format | 27-08-2019 | 2019-51700182 |
| 31-12-2017 | micro format | 02-08-2018 | 2018-42500553 |
| 31-12-2016 | abbreviated format | 26-06-2017 | 2017-21500274 |
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Directors
no sitting director read yet, last change in 2026
No directors read yet: 1 of 5 Gazette acts processed. See the directors and other office holders in the KBO →
Mandate history
12 people since 2025, 0 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Bemaers Lieven |
|
| D'hooge Raf |
|
| De Vos Lennert |
|
| Schoofs Lodewijk |
|
| Waltniel Timothy |
|
| ABR VERZEKERINGSGROEP |
|
| Ad-Vice |
|
| Adfinas Delgo |
|
| D'HOOGE³ |
|
| GROEP PENNEMAN |
|
| Kantoor Stevens |
|
| Van Hecke Wim |
|
Owners and capital
Owners
1 ownerOwners 1
-
17.95%
Sources: the companies' annual accounts, the acts in the Belgian Official Gazette and the LEI register. Annual accounts state the shareholders that notified the company under article 7:225 of the Code of Companies and Associations and the parent companies that consolidate it. 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 include these statements in its annual accounts, or does not have to, is not listed.
Group and network
Connections & network
The network starts from this company’s shareholders. What else they own or run appears here as nodes.
This company
Company
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Shareholding
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History
Acts, filings and financial milestones
Next filing, financial year 2026, expected by
2026
23-07
NBB filing
Annual accounts filed
financial year 2025 · micro format
04-06
Gazette deed
End & cessationResignations: AD-VICE, VAN HECKE WIM and 10 others · Dissolution · Profit allocation29 facts ▸
Gazette deed
End & cessation
Resignations: AD-VICE, VAN HECKE WIM and 10 others · Dissolution · Profit allocation29 facts ▸
- General meeting, “buitengewone algemene vergadering van de aandeelhouders, eenparigheid van stemmen” (deed in Dutch)
- Dissolution, “vervroegt, vervroegt” (deed in Dutch)
- Profit allocation, “overgedragen resultaat”, 30-04-2026 (deed in Dutch)
- Liquidation rule, “geen schulden meer jegens derden en eenvoud van de vereffening, staat van activa en passiva per 31-01-2026” (deed in Dutch)
- Declaration, “aandeelhouders bereid om toekomstige rechten en verplichtingen te vervullen, pas tot uiting komen na de sluiting van de vereffening” (deed in Dutch)
- Declaration, “aandeelhouders nemen alle mogelijke kosten en schulden ten laste, onbekend op heden en/of waarvoor al dan niet voorzieningen werden aangelegd” (deed in Dutch)
- Liquidation closure, “artikel 2:80 WVV” (deed in Dutch)
- Asset distribution, “terugname door de aandeelhouders, aandeelhouders treden in alle rechten en plichten” (deed in Dutch)
- Director in office, Schoofs Lodewijk (director)
- Director in office, De Vos Lennert (director)
- Director in office, Waltniel Timothy (director)
- Director in office, Bemaers Lieven (director)
- +17 further facts in this act
2025
31-12
Financial
Weakest financial yearnet -€26,498
Net result drops to -€26,498, the lowest in the series.
31-12
Financial
Liquidity more than doubledcurrent ratio 4.54
Current ratio from 1.77 to 4.54; short-term debt falls from €93,361 to €24,690.
28-07
NBB filing
Annual accounts filed
financial year 2024 · micro format
2024
30-08
NBB filing
Annual accounts filed
financial year 2023 · micro format · 30 days late
2023
31-12
Financial
Back to profitnet €8,844
Net result €8,844 after one loss-making year.
31-08
NBB filing
Annual accounts filed
financial year 2022 · micro format · 31 days late
2022
09-08
NBB filing
Annual accounts filed
financial year 2021 · micro format · 9 days late
2021
13-07
NBB filing
Annual accounts filed
financial year 2020 · micro format
2020
31-12
Financial
Highest result from 2018 to 2025net €9,230 ▲841%
Net result €9,230, the highest in the series.
23-07
NBB filing
Annual accounts filed
financial year 2019 · micro format
Show earlier events
2019
31-12
Financial
Back to profitnet €981
Net result €981 after one loss-making year.
27-08
NBB filing
Annual accounts filed
financial year 2018 · micro format · 27 days late
2018
02-08
NBB filing
Annual accounts filed
financial year 2017 · micro format · 2 days late
2017
26-06
NBB filing
Annual accounts filed
financial year 2016 · abbreviated format
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
1 of 5 deeds read
About the unread acts
Of the 5 Belgian Official Gazette deeds we know for this company, 1 has been read. The other 4 have not been read yet: what they contain is neither established nor disproved here.
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Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
Location & real-estate footprint
Registered office, Rumst
Ground area
1,060 m²
Building footprint
145 m²
Building volume
1,137 m³
Parcel 11036B0232/00H002, Flanders · tallest building 22.4 m. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 11036B0232/00H002 | Flanders | 1,060 m² | 1 · 145 m² | 22.4 m · 3 |
How the parcels are linked
Good to know
The parcel matches the address exactly.
Articles of association
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Eenparigheid van stemmen, door de aandeelhouders zelf” (deed in Dutch)
Read from the deeds: 1 provision, deed of 04-06-2026