Summary
PROFICIAT 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 €508,292 and a net result of €60,201. Equity is growing by ~7.9% per year across the filed fiscal years. Its solvency ranks better than 33% of 8061 sector peers (fiscal year 2025). The company has been active since 1999 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
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 06-05-2026, 6 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
6 d late
2024
49 d early
2023
55 d early
2022
45 d early
2021
24 d early
2020
on the day
2019
3 d early
← 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 24 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, micro schema
In the rankings
#3 oldest company in Maarkedal, Finance and insurance sector#4 company by total assets in Maarkedal, Finance and insurance sector#9 company by equity in Maarkedal, Finance and insurance sector
Equity
€508,292▲ 13.4%
2024 · €448,091
Net result
€60,201▲ 548%
2024 · €9,297
Total assets
€1.7m▼ 5.4%
2024 · €1.8m
Solvency
30.4%▲ 5.1pp
2024 · 25.4%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€79,759▲ 715%€23,245▼ 70.9%€58,455▲ 151%€32,681▼ 44.1%€78,655▲ 141%
Net result€60,168-€2,168€37,616€9,297▼ 75.3%€60,201▲ 548%
Equity€403,347▲ 17.5%€401,178▼ 0.5%€438,794▲ 9.4%€448,091▲ 2.1%€508,292▲ 13.4%
Total assets€1.2m▼ 2.6%€1.7m▲ 37.3%€1.8m▲ 4.6%€1.8m▼ 0.3%€1.7m▼ 5.4%
Debt€761,351▼ 10.9%€1.2m▲ 60.8%€1.3m▲ 3.3%€1.3m▼ 1.1%€1.1m▼ 12.5%
Working capital-€100,528▲ 35.4%-€269,440▼ 168%-€197,494▲ 26.7%-€234,788▼ 18.9%-€182,689▲ 22.2%
Solvency32.7%▲ 5.6pp23.7%▼ 9.0pp24.8%▲ 1.1pp25.4%▲ 0.6pp30.4%▲ 5.1pp
Staff (FTE)1=1=1=1=1=
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 141% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.7m
Fixed assets
€1.6m ▼ 4.7%
Current assets
€59,108 ▼ 21.6%
Equity and liabilities €1.7m
Equity
€508,292 ▲ 13.4%
Provisions
€68,827 =
Debt
€1.1m ▼ 12.5%
Debt's share of the balance-sheet total falls from 70.8% to 65.5%. Equity is higher and debt is lower.
Key figures and ratios
ROE
11.8%▲
2024 · 2.1%
ROA
3.6%▲
2024 · 0.5%
Debt ≤ 1 year
€241,796▼
2024 · €310,168
Debt > 1 year
€837,391▼
2024 · €926,707
Income taxes
€530▼
2024 · €4,023
Staff costs
€76,958▼
2024 · €78,134
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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €14,966 | €14,356 | €0 | ▼ 100% |
| Remuneration, social security and pensions62 | €68,209 | €66,229 | €72,616 | €78,134 | €76,958 | ▼ 1.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €93,183 | €130,959 | €89,073 | €81,150 | €85,676 | ▲ 5.6% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €16,138 | - |
| Other operating charges640/8 | €20,145 | €19,733 | €23,533 | €24,896 | €24,899 | = |
| Non-recurring operating charges66A | - | - | €2,116 | €172 | €1,790 | ▲ 941% |
| Gross operating margin9900 | €261,296 | €240,166 | €245,792 | €217,033 | €284,116 | ▲ 30.9% |
| Operating profit (loss)9901 | €79,759 | €23,245 | €58,455 | €32,681 | €78,655 | ▲ 141% |
| Financial income75/76B | €5 | €92 | €16 | €312 | €247 | ▼ 20.8% |
| Recurring financial income75 | €5 | €92 | €16 | €312 | €247 | ▼ 20.8% |
| Financial charges65/66B | €19,179 | €25,117 | €20,497 | €19,673 | €18,172 | ▼ 7.6% |
| Recurring financial charges65 | €19,179 | €25,117 | €20,497 | €19,673 | €18,172 | ▼ 7.6% |
| Profit (loss) for the period before taxes9903 | €60,586 | -€1,780 | €37,974 | €13,320 | €60,730 | ▲ 356% |
| Income taxes67/77 | €417 | €388 | €359 | €4,023 | €530 | ▼ 86.8% |
| Profit (loss) for the period9904 | €60,168 | -€2,168 | €37,616 | €9,297 | €60,201 | ▲ 548% |
| Transfer to tax-exempt reserves689 | €0 | - | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €60,168 | -€2,168 | €37,616 | €9,297 | €60,201 | ▲ 548% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.2m | €1.7m | €1.8m | €1.8m | €1.7m | ▼ 5.4% |
| Fixed assets21/28 | €1.1m | €1.6m | €1.7m | €1.7m | €1.6m | ▼ 4.7% |
| Tangible fixed assets22/27 | €1.1m | €1.6m | €1.7m | €1.7m | €1.6m | ▼ 4.7% |
| Land and buildings22 | €1.1m | €1.6m | €1.6m | €1.7m | €1.6m | ▼ 4.9% |
| Plant, machinery and equipment23 | €3,526 | €2,322 | €1,119 | €4,233 | €3,311 | ▼ 21.8% |
| Furniture and vehicles24 | €54,002 | €26,670 | €11,113 | €11,261 | €13,975 | ▲ 24.1% |
| Other tangible fixed assets26 | €500 | €0 | - | - | - | - |
| Financial fixed assets28 | €212 | €212 | €212 | €212 | €212 | = |
| Current assets29/58 | €104,892 | €65,684 | €122,161 | €75,380 | €59,108 | ▼ 21.6% |
| Amounts receivable within one year40/41 | €45,647 | €51,161 | €44,445 | €13,789 | €35,828 | ▲ 160% |
| Trade receivables40 | €44,849 | €33,141 | €43,923 | €13,174 | €35,298 | ▲ 168% |
| Other amounts receivable41 | €798 | €18,021 | €523 | €615 | €530 | ▼ 13.8% |
| Cash at bank and in hand54/58 | €57,141 | €11,610 | €75,412 | €57,872 | €17,439 | ▼ 69.9% |
| Deferred charges and accrued income490/1 | €2,104 | €2,912 | €2,304 | €3,718 | €5,841 | ▲ 57.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.2m | €1.7m | €1.8m | €1.8m | €1.7m | ▼ 5.4% |
| Equity10/15 | €403,347 | €401,178 | €438,794 | €448,091 | €508,292 | ▲ 13.4% |
| Contributions10/11 | €178,592 | €178,592 | €178,592 | €178,592 | €178,592 | = |
| Revaluation surpluses12 | €188,685 | €182,568 | €176,450 | €170,333 | €164,215 | ▼ 3.6% |
| Reserves13 | €71,545 | €77,662 | €83,780 | €99,167 | €165,485 | ▲ 66.9% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €0 | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €0 | - | - |
| Tax-exempt reserves132 | €57,450 | €57,450 | €57,450 | €57,450 | €57,450 | = |
| Distributable reserves133 | €12,235 | €18,352 | €24,470 | €41,716 | €108,034 | ▲ 159% |
| Profit (loss) carried forward14 | -€35,475 | -€37,644 | -€28 | €0 | - | - |
| Provisions and deferred taxes16 | €68,827 | €68,827 | €68,827 | €68,827 | €68,827 | = |
| Provisions for liabilities and charges160/5 | €68,827 | €68,827 | €68,827 | €68,827 | €68,827 | = |
| Pensions and similar obligations160 | €68,827 | €68,827 | €68,827 | €68,827 | €68,827 | = |
| Amounts payable17/49 | €761,351 | €1.2m | €1.3m | €1.3m | €1.1m | ▼ 12.5% |
| Amounts payable after more than one year17 | €536,555 | €869,611 | €931,506 | €926,707 | €837,391 | ▼ 9.6% |
| Financial debts170/4 | €536,555 | €869,611 | €931,506 | €926,707 | €837,391 | ▼ 9.6% |
| Amounts payable within one year42/48 | €205,420 | €335,123 | €319,655 | €310,168 | €241,796 | ▼ 22.0% |
| Current portion of amounts payable after more than one year42 | €72,737 | €63,352 | €64,631 | €81,867 | €67,317 | ▼ 17.8% |
| Trade debts44 | €8,431 | €6,159 | €13,574 | €14,403 | €17,006 | ▲ 18.1% |
| Suppliers440/4 | €8,431 | €6,159 | €13,574 | €14,403 | €17,006 | ▲ 18.1% |
| Taxes, remuneration and social security45 | €27,843 | €16,742 | €25,629 | €31,866 | €34,700 | ▲ 8.9% |
| Taxes450/3 | €11,240 | €2,562 | €10,404 | €15,227 | €13,863 | ▼ 9.0% |
| Remuneration and social security454/9 | €16,603 | €14,181 | €15,226 | €16,639 | €20,837 | ▲ 25.2% |
| Other amounts payable47/48 | €96,410 | €248,870 | €215,821 | €182,032 | €122,774 | ▼ 32.6% |
| Accrued charges and deferred income492/3 | €19,375 | €19,459 | €13,852 | €13,674 | €15,214 | ▲ 11.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €60,168 | -€2,168 | €37,616 | €9,297 | €60,201 | ▲ 548% |
| + Depreciation and write-downs630 | €93,183 | €130,959 | €89,073 | €81,150 | €85,676 | ▲ 5.6% |
| Operating cash flow (approximation) | €153,351 | €128,791 | €126,688 | €90,447 | €145,877 | ▲ 61.3% |
| Investment in fixed assets (approximation) | - | -€630,842 | -€111,030 | -€122,766 | -€6,001 | ▲ 95.1% |
| Change in cash | - | -€45,531 | €63,802 | -€17,539 | -€40,434 | ▼ 131% |
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
06-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 6 days late
2025
30-09
Financial
Highest result since 2018net €60,201 ▲548%
Net result €60,201, the highest in the series.
30-09
Financial
Equity above €500,000Eq €508,292 ▲13.4%
3 profitable years in a row build equity to €508,292.
12-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
06-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Back to profitnet €37,616
Net result €37,616 after one loss-making year.
16-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
06-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Back to profitnet €60,168
Net result €60,168 after 3 loss-making years.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Equity above €200,000Eq €352,844 ▲118%
Equity rises from €162,187 to €352,844.
Show earlier events
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Maarkedal · 1 establishment unit since 1999
Ground area
3,666 m²
Building footprint
206 m²
Volume, LiDAR
1,526 m³
Parcel 45044B0536/00C000, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Annovenstraat 40, 9688 Maarkedal
since 19992.091.490.046
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45044B0536/00C000 | Flanders | 3,666 m² | 1 · 206 m² | 9.9 m · 2 fl. |
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.
Similar companies · same sector, comparable size
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STEGA INVEST
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,773. 13,605 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded08-03-1999
Fiscal year end30-09
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
62200Computer consultancy and computer facilities management
E-invoicing
Reachable via Peppol
Peppol ID
0208:0465599208
Registered
27-03-2026
Register as of 26 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.