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

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Overview

Lifetime

20 annual accounts with figures on one time axis, 38 filings since 1988

Compare with

Gross marginpeak €100,110 (2024)

€92,652▼ 7.5%

Resultlowest -€21,278 (2010)

€5,496▼ 78.1%

Equitypeak €97,426 (2025)

€97,426▲ 0.5%

Debts

€42,657▼ 37.0%

Staffpeak 2.1 FTE (2008)

-not published

Board1 name since 1988

1 directorDINJART Viviane Marie Charlotte Ghislaine

Documentsfilings and deeds

03-07-202628 days before the deadline

2025micro format

Result from €25,142 to €5,496Dividend €5,000Debts from €67,670 to €42,657

Key points

from the 2025 annual accounts

Equity

€97,426 ▲ 0.5%

PREFIMO paid out €5,000 in dividends. That is 91% of the 2025 profit.

Turnover

≈ €280,000 estimated

The micro format states no turnover.

Filings

38 annual accounts since 1988

The 2020 accounts came 5 days late. The other nine of the last ten were filed on time.

Financial institution: outside the modelBankruptcy probability: sector outside the model

Checked score

Outside the general model

Model not applicable to financial institutions

The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.

Bankruptcy probability within 12 months

The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

1 signal, which does not raise the risk

1 signal.

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 03-07-2026, 28 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

28 days early

2024

14 days early

2023

28 days early

2022

26 days early

2021

30 days early

2020

5 days late

2019

1 day early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 17 days before the deadline. In the sector (NACE 66), the median for financial year 2024 was 5 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 4 July (5 of the last 5 accounts filed within 30 days either side of that date).

Companies Code · seven months

Where today falls in the filing period

06-11-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

That holds for every publication since 2021.

KBO publications

Board and ownership

DINJART Viviane Marie Charlotte Ghislaine

Director, since 13-02-1988

Board & ownership

Recent changes

11-10-2022

Amendment of the articles · Legal-form change Reappointment: DINJART Viviane Marie Charlotte Ghislaine (director) · Resignation: DINJART Viviane Marie Charlotte Ghislaine (managing director) · Legal-form conversion: from coöperatieve vennootschap met beperkte aansprakelijkheid to private limited company · General meeting of 06-05-2022 · Gazette deed

17-12-1999

New establishment in Charleroi ARGENT CASH, Boulevard de l'Yser 15 1

29-12-1987

First establishment Avenue Comte de Smet de Nayer 10, Namur

22-12-1987

Incorporation published on 08-01-1988 · Gazette deed

All 47 events

Comparable companies

same main activity, similar in size and age

Company	Total assets	Gross margin	Solvency	Staff
PREFIMO Namur	€140,082	€92,652	69.5%	-
ASSURANCES NOEL Gembloux	€156,862	€108,342	43.0%	-
ZAKENKANTOOR BELLEFONTAINE Tongeren-Borgloon	€155,675	€89,753	69.0%	-
Verzekeringskantoor De Meyer Aalst	€129,423	€107,235	49.1%	-
BUREAU D'AFFAIRES WALGRAFFE Jemeppe-sur-Sambre	€109,440	€90,488	59.8%	-
DEMANET Mettet	€179,044	€123,065	61.4%	-
M.C.A. DEVALET Engis	€149,989	€107,376	69.3%	-

These companies have the same main activity as PREFIMO: insurance agents and brokers (NACE 66220). They are comparable in size and age: total assets between €109,000 and €179,000, founded between 1984 and 1992.

Official details

Source: KBO

Status: Active since 22-12-1987Normal situation
Activity: Insurance agents and brokersNACE 66220
Establishment units: 2.031.988.3655000 Namur, since 29-12-1987
: 2.031.988.2666000 Charleroi, since 17-12-1999
Financial year end: 31 December
Peppol: Not found in the Peppol Directory

Company details

Annual accounts 2025

Profit: €5,496▼ 78.1%
Equity: €97,426▲ 0.5%
Total assets: €140,082▼ 14.9%
Employeeson 31-12-2025: 1=
Filing: Filed on 03-07-2026, 28 days before the end of the filing period

Financials

Insights on PREFIMO

PREFIMO files the micro format. That format states no turnover. The gross margin rose from €61,178 in 2006 to €92,652 in 2025.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

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.

Board & ownership

Board

1 director, last change in 2022

DINJART Viviane Marie Charlotte Ghislaine

Director (not named in the articles)

since 13-02-1988 term without a fixed end

earlier managing director, until 11-10-2022

listed in the 2025 annual accounts, filed on 03-07-2026

Office holders in the KBO →

Mandates through the years

1 name, the dashed line is today

DINJART Viviane Marie Charlotte Ghislaine
Director (not named in the articles)

BoardEarliermandate already running before its first mention

Mandates as a list

DINJART Viviane Marie Charlotte Ghislaine
- Director (not named in the articles), from 13-02-1988 to date
- Managing director, until 11-10-2022

See the board, name and registered office on a given date →

Control

See the annual accounts at the National Bank and the publications in the Belgian Official Gazette.

Capital

Contribution: €20,460
Source: 2025 annual accounts

Articles of association

deed of 11-10-2022 (in French)

Duration: Unlimited
Annual meeting: 30 June at 16:00

Network & group

No group

PREFIMO has no parent and no holdings in its annual accounts. DINJART Viviane Marie Charlotte Ghislaine is the only director. PREFIMO shares no director with another company.

At the same address

Avenue Comte de Smet de Nayer 10, 5000 Namur · 8 other companies

IZI registered office since 18-12-2015 · founded in 2015	total assets €341,391 (2025) 0644.635.868
Services Renard&Fils establishment since 21-05-2026	founded in 2026 1038.209.905
Spilliaert, Bruno (sole trader) establishment since 01-10-2022	founded in 2022 0791.935.318
Gérard, Frédéric (sole trader) establishment since 15-10-2012	founded in 2012 0849.526.988
Jean-François REMY,soins infirmiers establishment since 19-04-2011	founded in 2011 0835.622.633
Association des Copropriétaires Résidence " Vauban " à Namur, avenue Comte de Nayer n° 10 registered office since 01-08-1995	founded in 1995 0873.891.113
Centre de Formation et d'Animation permanente des Travailleurs de la Métallurgie registered office since 01-07-1980	founded in 1980 0420.782.931
A.C.P. RESIDENCE VAUBAN registered office since 01-07-1961	founded in 1961 0850.081.076

Timeline

47 events since 1987

Board

Filings

Financial

Establishments

19901995200020052010201520202025

Deadline for the 2026 accounts: 31-07-2027

2026

03-07-2026

Annual accounts 2025 filed NBBmicro format · 28 days before the deadline

2025

17-07-2025

Annual accounts 2024 filed PDFmicro format · 14 days before the deadline

2024

03-07-2024

Annual accounts 2023 filed PDFmicro format · 28 days before the deadline

2023

05-07-2023

Annual accounts 2022 filed PDFmicro format · 26 days before the deadline

2022

11-10-2022

Amendment of the articles · Legal-form changeReappointment: DINJART Viviane Marie Charlotte Ghislaine (director) · Resignation: DINJART Viviane Marie Charlotte Ghislaine (managing director) · Legal-form conversion: from coöperatieve vennootschap met beperkte aansprakelijkheid to private limited company · General meeting of 06-05-20228 points ▸

Incorporation, 22-12-1987
General meeting, 06-05-2022
Legal-form conversion, from coöperatieve vennootschap met beperkte aansprakelijkheid to private limited company
60 shares
Director reappointment, DINJART Viviane Marie Charlotte Ghislaine (director (not named in the articles))
Director resignation, DINJART Viviane Marie Charlotte Ghislaine (managing director)
Director discharge, DINJART Viviane Marie Charlotte Ghislaine
Registered office clause, Avenue Comte de Smet de Naeyer 10, 5000 Namur
The deed holds 6 more points.

Open the deed in the Belgian Official Gazette

01-07-2022

Annual accounts 2021 filed PDFmicro format · 30 days before the deadline

2021

05-08-2021

Annual accounts 2020 filed PDFmicro format · 5 days late

2020

31-12-2020

Highest result from 2006 to 2025 net €26,722 ▲10.1% The net result of €26,722 is the highest of those years.

30-07-2020

Annual accounts 2019 filed PDFmicro format · 1 day before the deadline

2019

17-07-2019

Annual accounts 2018 filed PDFmicro format · 14 days before the deadline

2018

26-07-2018

Annual accounts 2017 filed PDFmicro format · 5 days before the deadline

2017

20-07-2017

Annual accounts 2016 filed PDFmicro format · 11 days before the deadline

2016

20-07-2016

Annual accounts 2015 filed PDFfull format · 11 days before the deadline

2015

22-07-2015

Annual accounts 2014 filed PDFfull format · 9 days before the deadline

2014

31-12-2014

Back to profit net €2,789 The net result is €2,789, after one loss-making year.

22-07-2014

Annual accounts 2013 filed PDFfull format · 9 days before the deadline

2013

22-07-2013

Annual accounts 2012 filed PDFfull format · 9 days before the deadline

2012

31-12-2012

Back to profit net €15,324 The net result is €15,324, after 3 loss-making years.

25-07-2012

Annual accounts 2011 filed PDFfull format · 6 days before the deadline

2011

28-07-2011

Annual accounts 2010 filed PDFfull format · 3 days before the deadline

2010

31-12-2010

Weakest financial year net -€21,278 The net result drops to -€21,278, the lowest from 2006 to 2025. It recovers the following year.

20-07-2010

Annual accounts 2009 filed PDFfull format · 11 days before the deadline

2009

23-07-2009

Annual accounts 2008 filed PDFfull format · 8 days before the deadline

2008

31-12-2008

Back to profit net €546 The net result is €546, after one loss-making year.

24-07-2008

Annual accounts 2007 filed PDFfull format · 7 days before the deadline

2007

04-07-2007

Annual accounts 2006 filed PDFfull format · 27 days before the deadline

2006

17-07-2006

Annual accounts 2005 filed PDFfull format

2005

22-07-2005

Annual accounts 2004 filed PDFfull format

2004

09-08-2004

Annual accounts 2003 filed PDFfull format

2003

18-06-2003

Annual accounts 2002 filed PDFfull format

2002

01-08-2002

Annual accounts 2001 filed PDFfull format

2001

26-07-2001

Annual accounts 2000 filed PDFfull format

2000

05-07-2000

Annual accounts 1999 filed PDFfull format

1999

17-12-1999

New establishment in Charleroi ARGENT CASH, Boulevard de l'Yser 15 1

26-07-1999

Annual accounts 1998 filed PDFfull format

1998

29-07-1998

Annual accounts 1997 filed PDFfull format

1997

25-08-1997

Annual accounts 1996 filed PDFfull format

1996

25-06-1996

Annual accounts 1995 filed PDFfull format

1995

22-06-1995

Annual accounts 1994 filed PDFfull format

1994

04-07-1994

Annual accounts 1993 filed PDFfull format

1993

16-06-1993

Annual accounts 1992 filed PDFfull format

1992

23-06-1992

Annual accounts 1991 filed PDFfull format

1991

02-07-1991

Annual accounts 1990 filed PDFfull format

1990

14-06-1990

Annual accounts 1989 filed PDFfull format

1989

29-06-1989

Annual accounts 1988 filed PDFfull format

1987

29-12-1987

First establishment Avenue Comte de Smet de Nayer 10, Namur

22-12-1987

Incorporation published on 08-01-1988

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official Gazette Filings with the National Bank

History

PREFIMO was incorporated on 22 December 1987.¹ Total assets rose from €85,612 in 2018 to €140,082 in 2025 and headcount from 1 to 1 full-time equivalents.²

Company details

Identity

Enterprise number: 0432.793.016
VAT number: BE 0432.793.016
Legal form: Private limited company
Status: Active, normal situation
Founded: 22-12-1987
Financial year: ends on 31 December
Annual meeting: 30 June at 16:00
deed of 11-10-2022 (in French)
Peppol: Not found in the Peppol Directory
Name: PREFIMO in French
Entity type: Legal entity
Duration: Unlimited
deed of 11-10-2022 (in French)

Activities

NACEBEL 2025

66220 Insurance agents and brokers main activity

Codes under NACEBEL 2008

66220 Activities auxiliary to financial services and insurance activities main activity

Codes under NACEBEL 2003

67201 main activity

Purpose: “Toutes opérations en matière de courtage et service auprès des banques,caisses d'épargne privée,organismes de crédits et compagnies…”
5 activities
Toutes opérations en matière de courtage et service auprès des banques,caisses d'épargne privée,organismes de crédits et compagnies d'assurances tous risques
Les opérations de service en matière immobilière pour son compte ou pour compte de tiers,en ce qui concerne la vente,la location,la gérance,de tous biens immobiliers
Elle pourra également à tout moment procéder à une augmentation de capital lui permettant de procéder à des opérations de réescompte en matière de financements et crédits
Elle peut exercer toute activité susceptible de favoriser la réalisation de son objet social et participer à une telle activité de quelque façon que ce soit
Elle peut participer dans ou se fusionner avec d'autres sociétés ou entreprises qui peuvent contribuer à son développement ou le favoriser
deed of 11-10-2022 (in French)

Registered office and establishments

2 establishments

Establishment	Since	Unit number
Avenue Comte de Smet de Nayer 10 registered office 5000 Namur	29-12-1987	2.031.988.365
ARGENT CASH Boulevard de l'Yser 15 1, 6000 Charleroi	17-12-1999	2.031.988.266

Buildings and parcels at the address

Ground area: 564 m²
Buildings: 395 m²
Volume, LiDAR: 7,949 m³
Tallest building: 23.0 m

Buildings to scale, each on its own parcel

registered office establishment approximate All 2 establishment units on the map

9 companies at this address See who is registered here

Parcels

Cadastral parcel	Area	Buildings	Height / floors
92094C0461/00H003	564 m²	1 · 395 m²	23.0 m · 7

Invoicing and payment

E-invoicing via Peppol

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Invoicing without a Peppol listing

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Overview

Lifetime

Key points

Equity

Turnover

Filings

Checked score

Signals

Board and ownership

Recent changes

Comparable companies

Official details

Annual accounts 2025

Insights on PREFIMO

Financials

Annual accounts 2025

Money flows

Balance sheet

Change in equityin euro

Change in cashin euro

Position in the sector

Solvency69.5%

Return on assets3.9%

Staff

Staff cost per FTE€55,749

Joined and left

Filed annual accounts

Filings

Key figures and ratios

Social balance sheet

Investments

Insights on PREFIMO

Board & ownership

Board

Mandates through the years

Control

Capital

Articles of association

Network & group

No group

At the same address

Timeline

Timeline

History

Company details

Identity

Activities

Registered office and establishments

Buildings and parcels at the address

Location

Parcels

Invoicing and payment