PREFIMO

Active Risk: not assessed Private limited companyfounded 1987active for 38 yearsAvenue Comte de Smet de Nayer 10, 5000 NamurKBO/BCE: BE 0432.793.016 #6 oldest company in Namur, Finance and insurance sector

PREFIMO

Financial year 2025

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Annual accounts 2025

micro format, filed on 03-07-2026, 28 days before the deadline

Equity

€97,426

▲ 0.5%

Balance sheet total

€140,082

▼ 14.9%

Profit

€5,496

▼ 78.1%

Solvency

69.5%

▲ 10.7 percentage points

Return on equity

5.6%

▼ 20.3 percentage points

Return on assets

3.9%

▼ 11.4 percentage points

Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.

In the rankings #6 oldest company in Namur, Finance and insurance sector

Money flows

no detail for 2025

Balance sheet

balance sheet total €140,082 on 31-12-2025

What the company ownsHow it is paid for

Change in equityin euro

Change in cashin euro

Position in the sector

Compare with sector

Solvency69.5%

Higher than 69% of 3,070 companies in 2025.

Return on assets3.9%

Higher than 30% of 3,015 companies in 2025.

PREFIMO Middle half of the sector 80% of the sector Micro accounts in auxiliary financial services (NACE 66)

Net result: middle half · Equity: middle half · Balance sheet total: middle half

Staff

Staff cost per FTE€55,749

Staff costs divided by the average number of full-time equivalents.

Joined and left

Filed annual accounts

as filed with the National Bank, click a year to choose it

Line	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006
Balance sheet: assets
Total assets`20/58`	140,082	164,599	123,422	123,415	130,773	111,593	91,573	85,612	47,429	51,402	64,194	68,277	70,191	61,550	60,538	73,113	86,796	112,677	142,161	96,612
Fixed assets`21/28`	48,821	70,262	23,790	26,902	26,716	35,735	46,233	54,727	26,687	35,008	44,323	52,857	59,954	40,835	45,504	55,460	66,419	66,132	74,446	57,238
Intangible fixed assets`21`	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	272	-	-
Tangible fixed assets`22/27`	48,485	69,925	23,454	26,565	26,379	35,399	45,896	54,390	26,551	34,872	44,186	52,721	59,818	40,699	45,367	55,323	66,282	65,723	74,309	57,101
Land and buildings`22`	9,854	9,854	9,854	10,412	12,087	13,762	15,438	17,113	18,788	20,463	22,138	23,813	25,488	27,164	28,839	30,514	32,189	33,864	35,539	37,214
Plant, machinery and equipment`23`	1,555	2,505	2,827	4,597	5,740	6,570	7,854	5,183	7,763	8,815	10,860	12,126	11,857	13,329	16,144	18,958	21,898	13,864	14,752	16,467
Furniture and vehicles`24`	37,076	57,566	10,773	11,556	8,552	15,066	22,604	32,095	-	5,594	11,188	16,782	22,472	206	385	5,852	12,196	17,995	24,018	3,420
Financial fixed assets`28`	337	337	337	337	337	337	337	337	137	137	137	137	137	137	137	137	137	137	137	137
Current assets`29/58`	91,261	94,337	99,632	96,513	104,057	75,858	45,340	30,886	20,742	16,393	19,871	15,419	10,236	20,715	15,034	17,654	20,377	46,545	67,715	39,374
Amounts receivable within one year`40/41`	16,774	15,761	13,912	13,919	18,877	13,363	12,051	15,415	7,324	13,910	15,008	11,304	5,603	17,783	11,839	13,107	9,639	15,498	20,844	20,766
Trade receivables`40`	12,100	9,844	10,612	7,316	14,288	8,335	5,884	11,168	7,324	13,910	15,008	11,304	5,603	17,750	11,806	13,074	9,521	15,450	17,332	17,581
Other amounts receivable`41`	4,674	5,917	3,300	6,603	4,590	5,028	6,167	4,247	0	0	-	-	-	33	33	33	118	48	3,512	3,185
Current investments`50/53`	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1,850	21,623	25,857	10,465
Cash at bank and in hand`54/58`	72,836	76,826	84,341	81,080	84,315	61,411	31,949	14,872	11,550	1,598	3,985	2,752	2,743	2,466	2,085	3,742	8,053	8,348	19,788	7,724
Deferred charges and accrued income`490/1`	1,651	1,751	1,379	1,514	865	1,083	1,339	599	1,867	885	879	1,363	1,891	467	1,110	804	836	1,075	1,226	420
Balance sheet: equity and liabilities
Total equity and liabilities`10/49`	140,082	164,599	123,422	123,415	130,773	111,593	91,573	85,612	47,429	51,402	64,194	68,277	70,191	61,550	60,538	73,113	86,796	112,677	142,161	96,612
Equity`10/15`	97,426	96,929	91,788	85,895	95,448	91,385	64,662	47,393	26,738	25,582	25,103	24,889	22,099	27,352	12,028	19,320	40,598	52,729	52,184	52,320
Contributions`10/11`	20,460	20,460	20,460	20,460	18,600	18,600	18,600	18,600	18,600	18,600	18,600	18,600	18,600	18,600	18,600	18,600	18,600	18,600	18,600	18,600
Issued capital`100`	-	-	-	-	-	18,600	18,600	18,600	18,600	18,600	18,600	18,600	18,600	18,600	18,600	18,600	18,600	18,600	18,600	18,600
Reserves`13`	-	-	-	-	1,860	1,860	1,860	1,860	1,860	1,860	1,860	1,860	1,860	1,860	1,860	1,860	1,860	1,860	1,860	1,860
Non-distributable reserves`130/1`	-	-	-	-	1,860	1,860	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Legal reserve`130`	-	-	-	-	-	1,860	1,860	1,860	1,860	1,860	1,860	1,860	1,860	1,860	1,860	1,860	1,860	1,860	1,860	1,860
Reserves not available under the articles`1311`	-	-	-	-	1,860	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Profit (loss) carried forward`14`	76,966	76,469	71,328	65,435	74,988	70,925	44,202	26,933	6,278	5,122	4,643	4,429	1,639	6,892	-8,432	-1,140	20,138	32,269	31,724	31,860
Amounts payable`17/49`	42,657	67,670	31,635	37,519	35,325	20,208	26,911	38,219	20,691	25,820	39,091	43,388	48,091	34,199	48,510	53,794	46,199	59,948	89,977	44,292
Amounts payable after more than one year`17`	8,751	19,639	-	-	-	1,260	7,956	14,585	-	1,670	5,578	9,582	15,890	5,362	7,638	13,887	18,113	10,425	14,200	-
Financial debts`170/4`	8,751	19,639	-	-	-	1,260	7,956	14,585	-	1,670	5,578	9,582	15,890	5,362	7,638	13,887	18,113	10,425	14,200	-
Amounts payable within one year`42/48`	33,906	48,031	31,635	37,519	35,325	18,948	18,955	18,634	17,954	21,413	32,472	33,806	32,201	28,837	40,573	39,907	28,086	49,523	75,777	44,292
Current portion of amounts payable after more than one year`42`	10,070	8,800	-	-	848	6,696	6,629	6,562	1,670	3,908	4,004	6,308	5,978	2,276	4,306	4,226	5,789	3,776	3,569	1,458
Financial debts`43`	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	10	-	-	-	-
Credit institutions`430/8`	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	10	-	-	-	-
Trade debts`44`	8,474	8,865	6,506	8,699	5,753	4,775	1,870	4,915	8,520	8,564	11,380	11,988	7,237	7,371	17,329	21,243	11,491	35,082	60,324	29,873
Suppliers`440/4`	8,474	8,865	6,506	8,699	5,753	4,775	1,870	4,915	8,520	8,564	11,380	11,988	7,237	7,371	17,329	21,243	11,491	35,082	60,324	29,873
Taxes, remuneration and social security`45`	5,676	5,680	5,443	4,135	5,038	2,291	4,770	7,157	7,765	8,941	8,026	6,507	7,474	7,550	9,798	9,288	10,806	10,666	11,884	12,960
Taxes`450/3`	5,676	5,680	-	158	-	-	-	-	3,012	2,310	1,141	112	85	89	-	-	1,102	1,102	2,545	2,304
Remuneration and social security`454/9`	-	-	5,443	3,977	5,038	2,291	4,770	7,157	4,753	6,631	6,885	6,395	7,389	7,461	9,798	9,288	9,705	9,564	9,339	10,657
Other amounts payable`47/48`	9,686	24,686	19,686	24,686	23,686	5,186	5,686	-	-	-	9,062	9,003	11,511	11,640	9,140	5,140	-	-	-	-
Accrued charges and deferred income`492/3`	-	-	-	-	-	-	-	5,000	2,737	2,737	1,041	-	-	-	299	-	-	-	-	-
Income statement
Turnover`70`	-	-	-	-	-	-	-	-	102,814	92,490	95,654	108,564	98,953	116,014	112,522	126,517	146,160	168,244	235,275	193,509
Non-recurring operating income`76A`	-	-	-	-	-	-	-	-	-	-	-	117	-	-	10	-	27	-	-	-
Gross operating margin`9900`	92,652	100,110	90,217	75,027	77,769	82,173	93,780	94,120	57,708	50,636	54,541	52,861	42,695	50,347	34,538	45,095	52,066	62,295	54,612	61,178
Goods, raw materials, services and sundry goods`60/61`	-	-	-	-	-	-	-	-	47,317	44,545	43,803	58,680	65,142	68,313	82,318	86,399	97,838	109,426	183,420	134,303
Remuneration, social security and pensions`62`	55,749	53,876	50,177	41,319	26,250	29,858	42,411	44,824	40,162	34,501	39,668	36,238	33,166	26,925	28,289	50,166	48,645	47,868	38,830	53,501
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets`630`	21,441	7,917	5,391	11,844	11,484	13,880	13,649	13,746	9,970	9,833	9,922	9,880	9,637	4,669	9,956	10,959	11,564	10,798	10,712	5,660
Provisions for liabilities and charges: additions (uses and reversals)`635/8`	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-1,300
Other operating charges`640/8`	2,688	3,280	2,477	2,944	2,468	2,857	2,632	3,677	2,822	2,642	2,681	2,586	3,624	2,067	2,067	2,837	2,085	1,956	2,761	2,087
Non-recurring operating charges`66A`	63	174	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating profit (loss)`9901`	12,710	34,862	32,172	18,921	37,566	35,578	35,088	31,874	4,754	3,661	2,270	4,158	-3,732	16,686	-5,773	-18,867	-10,228	1,673	2,308	1,230
Financial income`75/76B`	-	-	-	-	-	2,500	-	-	-	-	-	-	2	1	2	23	298	982	801	391
Recurring financial income`75`	-	-	-	-	-	-	-	-	-	-	-	-	2	1	2	23	298	982	801	391
Non-recurring financial income`76B`	-	-	-	-	-	2,500	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Financial charges`65/66B`	1,259	380	207	316	340	82	461	435	587	463	922	1,374	1,438	1,274	1,531	1,966	2,228	1,428	1,110	820
Recurring financial charges`65`	1,259	380	207	316	340	82	461	435	587	463	922	1,374	1,438	1,274	1,531	1,966	2,228	1,428	1,110	820
Profit (loss) for the period before taxes`9903`	11,451	34,482	31,965	18,605	37,227	37,995	34,627	31,439	4,168	3,197	1,348	2,901	-5,168	15,414	-7,292	-20,809	-12,131	1,227	1,999	800
Income taxes`67/77`	5,955	9,340	11,072	8,158	13,163	11,273	10,350	10,783	3,012	2,719	1,133	112	85	90	-	469	-	681	2,136	514
Profit (loss) for the period`9904`	5,496	25,142	20,892	10,447	24,064	26,722	24,278	20,656	1,156	479	215	2,789	-5,252	15,324	-7,292	-21,278	-12,131	546	-137	286
Profit (loss) for the period to be appropriated`9905`	5,496	25,142	20,892	10,447	24,064	26,722	24,278	20,656	1,156	479	215	2,789	-5,252	15,324	-7,292	-21,278	-12,131	546	-137	286
Appropriation of the result
Profit (loss) to be appropriated`9906`	81,966	96,469	86,328	85,435	94,988	70,925	49,702	26,933	6,278	5,122	4,643	4,429	1,639	6,892	-8,432	-1,140	20,138	32,269	31,724	31,869
Profit (loss) brought forward from the previous period`14P`	76,469	71,328	65,435	74,988	70,925	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Transfer to equity`691/2`	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	9
Addition to contributions`691`	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	8
To the legal reserve`6920`	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1
Profit to be distributed`694/7`	5,000	20,000	15,000	20,000	20,000	-	5,500	-	-	-	-	-	-	-	-	-	-	-	-	-
Return on contributions (dividend)`694`	5,000	20,000	15,000	20,000	20,000	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Employees`696`	-	-	-	-	-	-	5,500	-	-	-	-	-	-	-	-	-	-	-	-	-
Social balance sheet
Average staff (FTE)`9087`	1	1	1	1	1	1	1	1	1	1	1.5	1.5	1.5	1.3	1.3	1.9	2.1	2.1	2	1.7
Hours worked`1013`	1,665	1,740	1,733	1,223	518	728	1,733	1,732	1,733	1,440	1,733	1,748	1,613	1,418	1,279	2,428	2,628	2,675	2,209	2,971
Document	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF

The accounts for 18 older financial years (1988-2005) were filed as documents without figures as data, scans for example.

The notes to these accounts have 10 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.

Source: Annual accounts 2025 at the NBB, filed on 03-07-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank

Financial year	Type	Filed	Reference	Document
31-12-2025	micro format	03-07-2026	2026-00258216	PDF
31-12-2024	micro format	17-07-2025	2025-00286436	PDF
31-12-2023	micro format	03-07-2024	2024-00208178	PDF
31-12-2022	micro format	05-07-2023	2023-00210334	PDF
31-12-2021	micro format	01-07-2022	2022-20129607	PDF
31-12-2020	micro format	05-08-2021	2021-46400511	PDF
31-12-2019	micro format	30-07-2020	2020-37000322	PDF
31-12-2018	micro format	17-07-2019	2019-34100371	PDF
31-12-2017	micro format	26-07-2018	2018-38600228	PDF
31-12-2016	micro format	20-07-2017	2017-34400140	PDF
31-12-2015	full format	20-07-2016	2016-34100339	PDF
31-12-2014	full format	22-07-2015	2015-33200439	PDF
31-12-2013	full format	22-07-2014	2014-33000094	PDF
31-12-2012	full format	22-07-2013	2013-33400472	PDF
31-12-2011	full format	25-07-2012	2012-33900154	PDF
31-12-2010	full format	28-07-2011	2011-35700532	PDF
31-12-2009	full format	20-07-2010	2010-32500547	PDF
31-12-2008	full format	23-07-2009	2009-46200130	PDF
31-12-2007	full format	24-07-2008	2008-46100322	PDF
31-12-2006	full format	04-07-2007	2007-35300231	PDF
31-12-2005	full format	17-07-2006	2006-49103209	PDF
31-12-2004	full format	22-07-2005	2005-53700391	PDF
31-12-2003	full format	09-08-2004	2004-59000829	PDF
31-12-2002	full format	18-06-2003	2003-25605192	PDF
31-12-2001	full format	01-08-2002	2002-45000325	PDF
31-12-2000	full format	26-07-2001	2001-43003008	PDF
31-12-1999	full format	05-07-2000	2000-37104688	PDF
31-12-1998	full format	26-07-1999	1999-36800263	PDF
31-12-1997	full format	29-07-1998	1998-37102233	PDF
31-12-1996	full format	25-08-1997	1997-39301065	PDF
31-12-1995	full format	25-06-1996	1996-22302069	PDF
31-12-1994	full format	22-06-1995	1995-27603025	PDF
31-12-1993	full format	04-07-1994	1994-26102377	PDF
31-12-1992	full format	16-06-1993	1993-14000295	PDF
31-12-1991	full format	23-06-1992	1992-14001321	PDF
31-12-1990	full format	02-07-1991	1991-15303490	PDF
31-12-1989	full format	14-06-1990	1990-08804360	PDF
31-12-1988	full format	29-06-1989	1989-12602309	PDF

Key figures and ratios

per financial year, computed from the annual accounts

Line	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006
Investment in fixed assets (approximation)	0	54,389	2,280	12,029	2,465	3,383	5,156	41,785	1,649	518	1,388	2,783	28,756	0	0	0	11,851	2,485	27,920	5,197
Change in cash	-3,990	-7,515	3,261	-3,235	22,904	29,462	17,078	3,321	9,952	-2,387	1,232	10	277	381	-1,657	-4,310	-296	-11,439	12,063	-
EBIT margin	-	-	-	-	-	-	-	-	4.6%	4.0%	2.4%	3.8%	-3.8%	14.4%	-5.1%	-14.9%	-7.0%	1.0%	1.0%	0.6%
Solvency	69.5%	58.9%	74.4%	69.6%	73.0%	81.9%	70.6%	55.4%	56.4%	49.8%	39.1%	36.5%	31.5%	44.4%	19.9%	26.4%	46.8%	46.8%	36.7%	54.2%
ROE	5.6%	25.9%	22.8%	12.2%	25.2%	29.2%	37.5%	43.6%	4.3%	1.9%	0.9%	11.2%	-23.8%	56.0%	-60.6%	-110.1%	-29.9%	1.0%	-0.3%	0.5%
ROA	3.9%	15.3%	16.9%	8.5%	18.4%	23.9%	26.5%	24.1%	2.4%	0.9%	0.3%	4.1%	-7.5%	24.9%	-12.0%	-29.1%	-14.0%	0.5%	-0.1%	0.3%

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Social balance sheet

Item	31-12-2025	31-12-2024	31-12-2023	31-12-2022	31-12-2021
Employees at the balance-sheet date	1	1	1	1	1
full-time	1	1	1	1	1
in full-time equivalents	1	1	1	1	1
Average over the year, in full-time equivalents	1	1	1	1	1
On a permanent contract	1	1	1	1	1

Source: social balance sheet in the 2021 to 2025 annual accounts

Investments

fixed assets acquired

Item	2025	2024	2023	2022	2021
Tangible fixed assets	-	€54,389	€2,280	€12,029	€2,465
Depreciation and write-downs of the year	€21,441	€7,917	€5,391	€11,844	€11,484

Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)

Insights on PREFIMO

The operating result for 2025 is 64% lower than in 2024 and the lowest since 2017.

Debt's share of the balance-sheet total falls from 41.1% to 30.5%. Equity is higher and debt is lower.

Next steps

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