Summary
PREFIMMA 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 €53,309 and a net result of €6,424. Equity is growing by ~53.6% per year across the filed fiscal years. Its solvency ranks better than 17% of 2515 sector peers (fiscal year 2025). The company has been active since 1988 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.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 2515 sector peers (2025).
NBB · sector comparisonPosition among 2515 sector peers
Solvency
better than 17%
← weakest
strongest →
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 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
29 d late
2023
106 d late
2022
88 d late
2021
61 d late
2020
83 d late
2019
73 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 61 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 39% 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 30 September (4 of the last 5 filed years within 46 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€53,309▲ 13.7%
2024 · €46,884
Net result
€6,424▼ 51.6%
2024 · €13,287
Total assets
€512,705▼ 8.8%
2024 · €562,338
Solvency
10.4%▲ 2.1pp
2024 · 8.3%
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: 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. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€45,045▲ 0.9%€19,287▼ 57.2%€48,478▲ 151%€36,010▼ 25.7%€25,016▼ 30.5%
Net result€12,861within the sector's middle half▼ 37.9%-€3,864below the sector's middle half€23,390within the sector's middle half€13,287within the sector's middle half▼ 43.2%€6,424within the sector's middle half▼ 51.6%
Equity€18,184below the sector's middle half▲ 242%€14,320below the sector's middle half▼ 21.2%€33,597below the sector's middle half▲ 135%€46,884within the sector's middle half▲ 39.5%€53,309within the sector's middle half▲ 13.7%
Total assets€690,615above the sector's middle half▼ 4.4%€643,405within the sector's middle half▼ 6.8%€644,516within the sector's middle half▲ 0.2%€562,338within the sector's middle half▼ 12.8%€512,705within the sector's middle half▼ 8.8%
Debt€668,338▼ 6.0%€627,276▼ 6.1%€610,919▼ 2.6%€515,454▼ 15.6%€459,397▼ 10.9%
Working capital-€68,888below the sector's middle half▼ 11.1%-€86,981below the sector's middle half▼ 26.3%-€85,820below the sector's middle half▲ 1.3%-€83,741below the sector's middle half▲ 2.4%-€99,070below the sector's middle half▼ 18.3%
Solvency2.6%below the sector's middle half▲ 1.9pp2.2%below the sector's middle half▼ 0.4pp5.2%below the sector's middle half▲ 3.0pp8.3%below the sector's middle half▲ 3.1pp10.4%below the sector's middle half▲ 2.1pp
Current ratio0.44below the sector's middle half▼ 0.090.37below the sector's middle half▼ 0.080.51below the sector's middle half▲ 0.150.37below the sector's middle half▼ 0.140.28below the sector's middle half▼ 0.09
Return on assets (ROA)1.9%within the sector's middle half▼ 1.0pp-0.6%below the sector's middle half▼ 2.5pp3.6%within the sector's middle half▲ 4.2pp2.4%within the sector's middle half▼ 1.3pp1.3%below the sector's middle half▼ 1.1pp
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 micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 31% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €512,705
Fixed assets
€474,706 ▼ 7.4%
Current assets
€38,000 ▼ 23.2%
Equity and liabilities €512,705
Equity
€53,309 ▲ 13.7%
Debt
€459,397 ▼ 10.9%
Debt's share of the balance-sheet total falls from 91.7% to 89.6%. Equity is higher and debt is lower.
Key figures and ratios
ROE
12.1%▼
2024 · 28.3%
Debt ≤ 1 year
€137,069▲
2024 · €133,214
Debt > 1 year
€319,865▼
2024 · €380,009
Income taxes
€4,409▼
2024 · €7,343
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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €1,493 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €40,547 | €45,607 | €43,828 | €42,588 | €38,976 | ▼ 8.5% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €699 | - |
| Other operating charges640/8 | €5,696 | €5,377 | €7,605 | €7,543 | €7,125 | ▼ 5.5% |
| Non-recurring operating charges66A | - | €2,710 | - | - | - | - |
| Gross operating margin9900 | €91,288 | €74,474 | €99,911 | €86,140 | €71,817 | ▼ 16.6% |
| Operating profit (loss)9901 | €45,045 | €19,287 | €48,478 | €36,010 | €25,016 | ▼ 30.5% |
| Financial income75/76B | €1,570 | €503 | - | €33 | €145 | ▲ 345% |
| Recurring financial income75 | €438 | €503 | - | €33 | €145 | ▲ 345% |
| Non-recurring financial income76B | €1,131 | - | - | - | - | - |
| Financial charges65/66B | €28,755 | €22,699 | €16,359 | €15,412 | €14,328 | ▼ 7.0% |
| Recurring financial charges65 | €28,755 | €22,699 | €16,359 | €15,412 | €14,328 | ▼ 7.0% |
| Profit (loss) for the period before taxes9903 | €17,860 | -€2,909 | €32,119 | €20,631 | €10,834 | ▼ 47.5% |
| Transfer from deferred taxes780 | €2,284 | €2,284 | - | - | - | - |
| Income taxes67/77 | €7,283 | €3,239 | €8,729 | €7,343 | €4,409 | ▼ 40.0% |
| Profit (loss) for the period9904 | €12,861 | -€3,864 | €23,390 | €13,287 | €6,424 | ▼ 51.6% |
| Transfer from tax-exempt reserves789 | €4,469 | €4,469 | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €17,330 | €605 | €23,390 | €13,287 | €6,424 | ▼ 51.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €690,615 | €643,405 | €644,516 | €562,338 | €512,705 | ▼ 8.8% |
| Fixed assets21/28 | €636,159 | €593,329 | €554,747 | €512,866 | €474,706 | ▼ 7.4% |
| Intangible fixed assets21 | €68,763 | €61,507 | €54,250 | €46,993 | €39,737 | ▼ 15.4% |
| Tangible fixed assets22/27 | €564,855 | €529,281 | €497,956 | €463,331 | €432,428 | ▼ 6.7% |
| Land and buildings22 | €523,026 | €499,199 | €474,107 | €449,015 | €423,922 | ▼ 5.6% |
| Furniture and vehicles24 | €17,720 | €10,664 | €7,924 | €3,203 | €2,204 | ▼ 31.2% |
| Other tangible fixed assets26 | €24,109 | €19,418 | €15,925 | €11,113 | €6,302 | ▼ 43.3% |
| Financial fixed assets28 | €2,541 | €2,541 | €2,541 | €2,541 | €2,541 | = |
| Current assets29/58 | €54,455 | €50,076 | €89,769 | €49,472 | €38,000 | ▼ 23.2% |
| Amounts receivable within one year40/41 | €49,552 | €46,737 | €84,768 | €44,666 | €32,569 | ▼ 27.1% |
| Trade receivables40 | €45,000 | €41,652 | €81,360 | €42,084 | €30,014 | ▼ 28.7% |
| Other amounts receivable41 | €4,552 | €5,085 | €3,408 | €2,582 | €2,554 | ▼ 1.1% |
| Cash at bank and in hand54/58 | €2,738 | €1,159 | €1,667 | €221 | €3,191 | ▲ 1,341% |
| Deferred charges and accrued income490/1 | €2,165 | €2,180 | €3,335 | €4,585 | €2,240 | ▼ 51.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €690,615 | €643,405 | €644,516 | €562,338 | €512,705 | ▼ 8.8% |
| Equity10/15 | €18,184 | €14,320 | €33,597 | €46,884 | €53,309 | ▲ 13.7% |
| Contributions10/11 | €14,923 | €14,923 | €14,923 | €14,923 | €14,923 | = |
| Reserves13 | €27,106 | €22,636 | €18,523 | €18,523 | €18,523 | = |
| Non-distributable reserves130/1 | €1,864 | €1,864 | €1,864 | €1,864 | €1,864 | = |
| Reserves not available under the articles1311 | €1,864 | €1,864 | €1,864 | €1,864 | €1,864 | = |
| Tax-exempt reserves132 | €8,582 | €4,113 | - | - | - | - |
| Distributable reserves133 | €16,659 | €16,659 | €16,659 | €16,659 | €16,659 | = |
| Profit (loss) carried forward14 | -€23,845 | -€23,239 | €151 | €13,438 | €19,862 | ▲ 47.8% |
| Provisions and deferred taxes16 | €4,093 | €1,809 | - | - | - | - |
| Deferred taxes168 | €4,093 | €1,809 | - | - | - | - |
| Amounts payable17/49 | €668,338 | €627,276 | €610,919 | €515,454 | €459,397 | ▼ 10.9% |
| Amounts payable after more than one year17 | €544,995 | €490,219 | €434,345 | €380,009 | €319,865 | ▼ 15.8% |
| Financial debts170/4 | €544,995 | €490,219 | €434,345 | €380,009 | €319,865 | ▼ 15.8% |
| Amounts payable within one year42/48 | €123,343 | €137,057 | €175,590 | €133,214 | €137,069 | ▲ 2.9% |
| Current portion of amounts payable after more than one year42 | €46,537 | €54,691 | €58,146 | €60,367 | €59,099 | ▼ 2.1% |
| Financial debts43 | €17,861 | €18,543 | €19,934 | €19,962 | €19,421 | ▼ 2.7% |
| Credit institutions430/8 | €17,861 | €18,543 | €19,934 | €19,962 | €19,421 | ▼ 2.7% |
| Trade debts44 | €5,445 | €11,027 | €50,191 | €29,396 | €23,142 | ▼ 21.3% |
| Suppliers440/4 | €5,445 | €11,027 | €50,191 | €29,396 | €23,142 | ▼ 21.3% |
| Taxes, remuneration and social security45 | €10,073 | €12,713 | €14,538 | €18,520 | €9,411 | ▼ 49.2% |
| Taxes450/3 | €10,073 | €12,421 | €14,538 | €18,520 | €9,411 | ▼ 49.2% |
| Remuneration and social security454/9 | - | €292 | - | - | - | - |
| Other amounts payable47/48 | €43,426 | €40,083 | €32,780 | €4,970 | €25,996 | ▲ 423% |
| Accrued charges and deferred income492/3 | - | - | €985 | €2,231 | €2,462 | ▲ 10.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €12,861 | -€3,864 | €23,390 | €13,287 | €6,424 | ▼ 51.6% |
| + Depreciation and write-downs630 | €40,547 | €45,607 | €43,828 | €42,588 | €38,976 | ▼ 8.5% |
| Operating cash flow (approximation) | €53,408 | €41,744 | €67,218 | €55,875 | €45,401 | ▼ 18.7% |
| Investment in fixed assets (approximation) | - | -€2,777 | -€5,246 | -€707 | -€816 | ▼ 15.5% |
| Change in cash | - | -€1,579 | €508 | -€1,445 | €2,969 | ▲ 305% |
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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
14-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 106 days late
2023
31-12
Financial
Back to profitnet €23,390
Net result €23,390 after one loss-making year.
27-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 88 days late
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
22-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 83 days late
2020
12-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 73 days late
2019
31-12
Financial
Back to profitnet €8,349
Net result €8,349 after one loss-making year.
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
07-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
No directors read yet: 0 of 3 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Beauraing · 1 establishment unit since 1988
Ground area
18.3 ha
Parcel 91013B0001/00M004, Wallonia. Linked by address, not a title deed.
1 establishment unit
PREFIMMA SCRL
since 19882.038.140.046
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91013B0001/00M004 | Wallonia | 18.3 ha | - | - |
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 4,671 companies in this sector we hold annual accounts for 3,221. 2,339 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded27-04-1988
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
64922Financial service activities, except insurance and pension funding
68310Real estate agency activities
Contact
E-invoicing
Reachable via Peppol
Peppol ID
0208:0434071337
Also
9925:BE0434071337
Registered
27-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.