Summary
Private Finance 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 €8k and a net result of €795. Equity is growing by ~37% per year across the filed fiscal years. Its solvency ranks better than 23% of 1475 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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
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 23% of 1475 sector peers (2025).
NBB · sector comparisonPosition among 1475 sector peers
Solvency
better than 23%
← 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 17-07-2026, 14 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
14 d early
2024
25 d late
2023
2 d early
2022
28 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€8k▲ 11.5%
2024 · €7k
2022: €-167
2023: €5k
2024: €7k
2022 → 2025
Net result
€795▼ 56.2%
2024 · €2k
2022: €-5k
2023: €74k
2024: €2k
2022 → 2025
Total assets
€54k▼ 17.6%
2024 · €66k
2022: €2k
2023: €88k
2024: €66k
2022 → 2025
Solvency
14.2%▲ 3.7pp
2024 · 10.5%
2022: -8.6%
2023: 5.8%
2024: 10.5%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€-167-€5k€7k▲ 35.6%€8k▲ 11.5%
Operating result€-5k-€75k€3k▼ 96.0%€2k▼ 41.1%
Net result€-5k-€74k€2k▼ 97.6%€795▼ 56.2%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 41% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €54k
Fixed assets
€2k ▼ 25.8%
Current assets
€52k ▼ 17.2%
Equity and liabilities €54k
Equity
€8k ▲ 11.5%
Debt
€47k ▼ 21.0%
Debt's share of the balance-sheet total falls from 89.5% to 85.8%. Equity is higher and debt is lower.
Key figures and ratios
ROE
10.3%▼
2024 · 26.3%
ROA
1.5%▼
2024 · 2.8%
Debt ≤ 1 year
€22k▼
2024 · €26k
Income taxes
€474▼
2024 · €708
Staff costs
€21k▼
2024 · €23k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 35 lines
Balance sheet
Code20242025
Assets
Total assets20/58€66k€54k▼
Fixed assets21/28€3k€2k▼
Intangible fixed assets21€3k€2k▼
Current assets29/58€63k€52k▼
Amounts receivable within one year40/41€31k€27k▼
Trade receivables40€29k€27k▼
Other amounts receivable41€1k€276▼
Cash at bank and in hand54/58€33k€25k▼
Equity and liabilities
Total equity and liabilities10/49€66k€54k▼
Equity10/15€7k€8k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€2k€3k▲
Amounts payable17/49€59k€47k▼
Amounts payable within one year42/48€26k€22k▼
Trade debts44€21k€19k▼
Suppliers440/4€21k€19k▼
Taxes, remuneration and social security45€708€3k▲
Taxes450/3€708€746▲
Remuneration and social security454/9-€2k
Other amounts payable47/48€4k-
Accrued charges and deferred income492/3€33k€25k▼
Income statement
Code20242025
Remuneration, social security and pensions62€23k€21k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€726€726=
Other operating charges640/8€85-
Gross operating margin9900€26k€24k▼
Operating profit (loss)9901€3k€2k▼
Financial charges65/66B€454€484▲
Recurring financial charges65€454€484▲
Profit (loss) for the period before taxes9903€3k€1k▼
Income taxes67/77€708€474▼
Profit (loss) for the period9904€2k€795▼
Profit (loss) for the period to be appropriated9905€2k€795▼
Appropriation of the result
Profit (loss) to be appropriated9906€2k€3k▲
Profit (loss) brought forward from the previous period14P€88€2k▲
Social balance
Average headcount (FTE)90870.30.2▼
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 25 days late
2024
31-12
Financial
Liquidity doublescurrent ratio 2.43
Current ratio from 1.02 to 2.43; short-term debt falls from €83k to €26k.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Back to profitnet €74k
Net result €74k after one loss-making year.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Brussel · 1 establishment unit since 2022
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Terkamerenlaan 301000 BrusselGround area
1,232 m²
Building footprint
828 m²
Volume, LiDAR
15,888 m³
2 parcels, Brussels · tallest building 26.3 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
Private Finance
since 20222.334.296.090
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21822R0298/00B000 | Brussels | 787 m² | 1 · 366 m² | 26.3 m · 8 fl. |
| 21804D0674/00E000 | Brussels | 445 m² | 1 · 462 m² | 23.5 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
AENIGMA GLNS
BE 1023.630.013
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MAC FINANCES
BE 0774.876.184
Jemeppe-sur-Sambre · Eq €7,500
Jarodama
BE 0768.658.880
Leuven · Eq €7,431
Fin-Insure B
BE 0846.181.280
Beveren · Eq €8,060
MEDFIN
BE 0781.817.129
Hannut · Eq €8,125
Of 1,681 companies in sector 66191 we hold annual accounts for 1,230. 293 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-06-2022
Fiscal year end31-12
Abbreviation FR
Privafin
Activities, NACEBEL 2025
66191Agents and brokers in banking services
66199Other activities auxiliary to financial services, excluding insurance and pension funding
70200Business and other management consultancy
82100Office administrative and support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.