ProFin
ActiveSummary
ProFin is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. For ProFin, one filing cycle of the annual accounts is missing. The 2024 annual accounts show equity of €192,102 and a net result of €55,701. Equity is growing by about 67% per year across the filed financial years. Its solvency ranks better than 28% of 3,244 sector peers (NACE 66, financial year 2024). The company has been active since 2008 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Insurance agents and brokers
NACE 66220
9th oldest company in Herselt, Finance and insurance sector1 site
Size
≈ €560,000turnover 2024, estimated
- Staff
- 2.7 FTE
- Equity
- €192,102
- Profit
- €55,701
Turnover estimated from the gross margin
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
Structure
2025 accounts not filed, 90 days past the deadline4 deeds in the Belgian Official Gazette
Signalsraises riskAnnual accounts not filed2024 accounts filed 92 days lateShow the evidence
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.
Filing: One filing cycle is missing
Bankruptcy probability, 12 months
This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
Two signals.
raises risk
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 90 days later.
NBB · 10 filingsPosition against the passed deadline
31-12-2025 year end31-07-2026 deadline29-10-2026 today
raises risk · 2024 accounts filed 92 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-10-2025, 92 days past the deadline. Measured on financial year 2023: of the companies more than 90 days late, 5.61% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers.
NBB · 10 filingsDeviation from the deadline
2025
not filed
2024
92 days late
2023
31 days late
2022
91 days late
2021
58 days late
2020
92 days late
2019
92 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 76 days after the deadline; the sector median (NACE 66) for financial year 2024 is 5 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (1)
- Annual accounts filedfinancial year 2024 · micro…
- Equity above €150,000equity €192,102 ▲40.8%
- Annual accounts filedfinancial year 2023 · micro…
Financials · financial year 2024, micro format
In the rankings
#9 oldest company in Herselt, Finance and insurance sector
2025 annual accounts not yet filed, deadline passed on 31 July 2026 Financial year closed on 31 December 2025; filing due at the latest 7 months after the close (Companies Code art. 3:10). Source: NBB filings, as of 29 October 2026.
Equity
€192,102▲ 40.8%
2023 · €136,401
Net result
€55,701▼ 20.9%
2023 · €70,429
Total assets
€799,889▼ 4.6%
2023 · €838,556
Solvency
24.0%▲ 7.7pp
2023 · 16.3%
Trend over the years
2020 to 2024, 5 financial years 2018 to 2024, 7 financial years
The operating result falls in 2024; 2024 is 17% below 2023.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€88,309
2024
Net result€55,701
2024
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€799,889
2024
Equity€192,102
2024
Debt€607,787
2024
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital€96,670
2024
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)7.0%
2024
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency24.0%
2024
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio1.56
2024
Average staff in full-time equivalents (FTE).
Staff (FTE)2.7
2024
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the financial year before
favourable
unfavourable
Line2018201920202021202220232024
Operating result-€7,912-€12,850€49,216▲ 283%€39,979▼ 18.8%€40,021▲ 0.1%€106,123▲ 165%€88,309▼ 16.8%
Net result-€10,444-€4,055€28,281within the sector's middle half▲ 598%€17,071within the sector's middle half▼ 39.6%€16,961within the sector's middle half▼ 0.6%€70,429above the sector's middle half▲ 315%€55,701within the sector's middle half▼ 20.9%
Equity€9,604-€13,659▲ 42.2%€31,940within the sector's middle half▲ 134%€49,011within the sector's middle half▲ 53.4%€65,972within the sector's middle half▲ 34.6%€136,401within the sector's middle half▲ 107%€192,102within the sector's middle half▲ 40.8%
Total assets€430,238-€955,673▲ 122%€939,252above the sector's middle half▼ 1.7%€870,579above the sector's middle half▼ 7.3%€825,101above the sector's middle half▼ 5.2%€838,556above the sector's middle half▲ 1.6%€799,889above the sector's middle half▼ 4.6%
Debt€420,634-€942,014▲ 124%€907,312▼ 3.7%€821,568▼ 9.5%€759,129▼ 7.6%€702,155▼ 7.5%€607,787▼ 13.4%
Working capital-€4,142--€10,027▼ 142%-€40,158below the sector's middle half▼ 301%-€11,018below the sector's middle half▲ 72.6%-€25,132below the sector's middle half▼ 128%€45,972within the sector's middle half€96,670within the sector's middle half▲ 110%
Solvency2.2%-1.4%▼ 0.8pp3.4%below the sector's middle half▲ 2.0pp5.6%below the sector's middle half▲ 2.2pp8.0%below the sector's middle half▲ 2.4pp16.3%below the sector's middle half▲ 8.3pp24.0%within the sector's middle half▲ 7.7pp
Current ratio0.95-0.93▼ 0.030.77below the sector's middle half▼ 0.150.93below the sector's middle half▲ 0.160.85below the sector's middle half▼ 0.081.24within the sector's middle half▲ 0.401.56within the sector's middle half▲ 0.32
Return on assets (ROA)-2.4%-0.4%▲ 2.9pp3.0%within the sector's middle half▲ 2.6pp2.0%within the sector's middle half▼ 1.1pp2.1%within the sector's middle half▲ 0.1pp8.4%within the sector's middle half▲ 6.3pp7.0%within the sector's middle half▼ 1.4pp
Staff (FTE)1.2-3.5▲ 192%4.2above the sector's middle half▲ 20.0%3.5▼ 16.7%3.3▼ 5.7%3.4▲ 3.0%2.7▼ 20.6%
above
within
below
the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €799,889
Fixed assets
€531,109 ▼ 12.2%
Current assets
€268,780 ▲ 14.9%
Equity and liabilities €799,889
Equity
€192,102 ▲ 40.8%
Debt
€607,787 ▼ 13.4%
Debt's share of the balance-sheet total falls from 83.7% to 76.0%. Equity is higher and debt is lower.
Key figures and ratios
ROE
29.0%▼
2023 · 51.6%
Debt ≤ 1 year
€172,110▼
2023 · €187,905
Debt > 1 year
€435,677▼
2023 · €514,250
Income taxes
€28,906▼
2023 · €37,501
Staff costs
€168,899▼
2023 · €196,543
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €182,712 | €174,424 | €196,543 | €168,899 | ▼ 14.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €67,052 | €86,939 | €87,657 | €92,833 | €74,842 | €82,088 | €79,961 | ▼ 2.6% |
| Other operating charges640/8 | - | - | - | €3,353 | €4,823 | €3,915 | €13,987 | ▲ 257% |
| Gross operating margin9900 | €106,402 | €291,872 | €328,019 | €318,877 | €294,110 | €388,669 | €351,157 | ▼ 9.7% |
| Operating profit (loss)9901 | -€7,912 | €12,850 | €49,216 | €39,979 | €40,021 | €106,123 | €88,309 | ▼ 16.8% |
| Financial income75/76B | - | - | - | €1,814 | €1,175 | €6,755 | €3,607 | ▼ 46.6% |
| Recurring financial income75 | €2,735 | €2,959 | €4,063 | €1,814 | €1,175 | €6,755 | €3,607 | ▼ 46.6% |
| Financial charges65/66B | - | - | - | €12,604 | €13,043 | €4,948 | €7,309 | ▲ 47.7% |
| Recurring financial charges65 | €3,777 | €8,402 | €13,487 | €12,604 | €13,043 | €4,948 | €7,309 | ▲ 47.7% |
| Profit (loss) for the period before taxes9903 | -€8,953 | €7,407 | €39,793 | €29,190 | €28,154 | €107,930 | €84,607 | ▼ 21.6% |
| Income taxes67/77 | €1,491 | €3,352 | €11,511 | €12,119 | €11,192 | €37,501 | €28,906 | ▼ 22.9% |
| Profit (loss) for the period9904 | -€10,444 | €4,055 | €28,281 | €17,071 | €16,961 | €70,429 | €55,701 | ▼ 20.9% |
| Profit (loss) for the period to be appropriated9905 | -€10,444 | €4,055 | €28,281 | €17,071 | €16,961 | €70,429 | €55,701 | ▼ 20.9% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Total assets20/58 | €430,238 | €955,673 | €939,252 | €870,579 | €825,101 | €838,556 | €799,889 | ▼ 4.6% |
| Formation expenses20 | - | - | - | - | - | - | €0 | - |
| Fixed assets21/28 | €347,604 | €831,128 | €804,175 | €718,887 | €685,468 | €604,679 | €531,109 | ▼ 12.2% |
| Intangible fixed assets21 | €343,299 | €439,033 | €372,366 | €305,700 | €256,733 | €207,767 | €158,800 | ▼ 23.6% |
| Tangible fixed assets22/27 | €4,005 | €391,796 | €431,509 | €412,887 | €428,435 | €396,612 | €372,009 | ▼ 6.2% |
| Land and buildings22 | - | - | - | €357,413 | €363,440 | €349,692 | €337,913 | ▼ 3.4% |
| Plant, machinery and equipment23 | - | - | - | - | - | - | €0 | - |
| Furniture and vehicles24 | - | - | - | €55,474 | €64,995 | €46,921 | €34,096 | ▼ 27.3% |
| Financial fixed assets28 | €300 | €300 | €300 | €300 | €300 | €300 | €300 | = |
| Current assets29/58 | €82,633 | €124,545 | €135,077 | €151,692 | €139,632 | €233,877 | €268,780 | ▲ 14.9% |
| Amounts receivable after more than one year29 | - | - | - | - | €128,554 | €128,554 | €18,554 | ▼ 85.6% |
| Other amounts receivable291 | - | - | - | - | €128,554 | €128,554 | €18,554 | ▼ 85.6% |
| Amounts receivable within one year40/41 | €32,343 | €40,932 | €66,632 | €80,394 | - | €53,450 | €49,921 | ▼ 6.6% |
| Trade receivables40 | - | - | - | €40,241 | - | €40,110 | - | - |
| Other amounts receivable41 | - | - | - | €40,153 | - | €13,339 | €49,921 | ▲ 274% |
| Cash at bank and in hand54/58 | €15,813 | €49,996 | €62,404 | €71,153 | €11,078 | €47,475 | €198,431 | ▲ 318% |
| Deferred charges and accrued income490/1 | - | - | - | €146 | - | €4,399 | €1,875 | ▼ 57.4% |
| Equity and liabilities | ||||||||
| Total equity and liabilities10/49 | €430,238 | €955,673 | €939,252 | €870,579 | €825,101 | €838,556 | €799,889 | ▼ 4.6% |
| Equity10/15 | €9,604 | €13,659 | €31,940 | €49,011 | €65,972 | €136,401 | €192,102 | ▲ 40.8% |
| Contributions10/11 | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €3,284 | €3,284 | €21,565 | €38,636 | €55,597 | €126,026 | €181,727 | ▲ 44.2% |
| Non-distributable reserves130/1 | - | - | - | €3,284 | €3,284 | €3,284 | €3,284 | = |
| Reserves not available under the articles1311 | - | - | - | €3,284 | €3,284 | €3,284 | €3,284 | = |
| Distributable reserves133 | - | - | - | €35,352 | €52,313 | €122,742 | €178,443 | ▲ 45.4% |
| Profit (loss) carried forward14 | -€6,080 | -€2,025 | -€2,025 | -€2,025 | -€2,025 | -€2,025 | -€2,025 | = |
| Amounts payable17/49 | €420,634 | €942,014 | €907,312 | €821,568 | €759,129 | €702,155 | €607,787 | ▼ 13.4% |
| Amounts payable after more than one year17 | €333,858 | €807,443 | €732,077 | €658,858 | €593,231 | €514,250 | €435,677 | ▼ 15.3% |
| Financial debts170/4 | - | - | - | €658,858 | €593,231 | €514,250 | €435,677 | ▼ 15.3% |
| Amounts payable within one year42/48 | €86,775 | €134,572 | €175,235 | €162,710 | €164,765 | €187,905 | €172,110 | ▼ 8.4% |
| Current portion of amounts payable after more than one year42 | - | - | - | €95,633 | €80,052 | €80,448 | €81,156 | ▲ 0.9% |
| Trade debts44 | €15,728 | €17,910 | €43,132 | €10,733 | €23,897 | €32,670 | €46,086 | ▲ 41.1% |
| Suppliers440/4 | - | - | - | €10,733 | €23,897 | €32,670 | €46,086 | ▲ 41.1% |
| Taxes, remuneration and social security45 | - | - | - | €43,699 | €50,158 | €64,995 | €35,124 | ▼ 46.0% |
| Taxes450/3 | - | - | - | €5,729 | €9,422 | €28,630 | €14,709 | ▼ 48.6% |
| Remuneration and social security454/9 | - | - | - | €37,970 | €40,737 | €36,365 | €20,415 | ▼ 43.9% |
| Other amounts payable47/48 | - | - | - | €12,645 | €10,657 | €9,793 | €9,744 | ▼ 0.5% |
| Accrued charges and deferred income492/3 | - | - | - | - | €1,133 | - | - | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€10,444 | €4,055 | €28,281 | €17,071 | €16,961 | €70,429 | €55,701 | ▼ 20.9% |
| + Depreciation and write-downs630 | €67,052 | €86,939 | €87,657 | €92,833 | €74,842 | €82,088 | €79,961 | ▼ 2.6% |
| Operating cash flow (approximation) | €56,607 | €90,994 | €115,938 | €109,904 | €91,803 | €152,518 | €135,662 | ▼ 11.1% |
| Investment in fixed assets (approximation) | - | -€570,463 | -€60,704 | -€7,545 | -€41,424 | -€1,299 | -€6,391 | ▼ 392% |
| Change in cash | - | €34,183 | €12,409 | €8,748 | -€60,074 | €36,396 | €150,956 | ▲ 315% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 16 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2024 | micro format | 31-10-2025 | 2025-00557266 |
| 31-12-2023 | micro format | 31-08-2024 | 2024-00423367 |
| 31-12-2022 | micro format | 30-10-2023 | 2023-00497114 |
| 31-12-2021 | micro format | 27-09-2022 | 2022-20436709 |
| 31-12-2020 | micro format | 31-10-2021 | 2021-76700384 |
| 31-12-2019 | micro format | 31-10-2020 | 2020-68700300 |
| 31-12-2018 | micro format | 30-09-2019 | 2019-66500394 |
| 31-12-2017 | micro format | 30-08-2018 | 2018-53100308 |
| 31-12-2016 | micro format | 22-08-2017 | 2017-45000542 |
| 31-12-2015 | abbreviated format | 31-08-2016 | 2016-59000357 |
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Of the 4,607 active companies whose main activity is insurance agents and brokers (NACE 66220), figures are known for 3,220. 2,798 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Subsidies and aid
Flemish government
2022 to 2025 · 3 entries · €334 awarded · €334 paid| Year | Entries | Awarded | Paid |
|---|---|---|---|
| 2025 | 1 | €51 | €51 |
| 2023 | 1 | €96 | €96 |
| 2022 | 1 | €187 | €187 |
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Directors
No directors read yet: 0 of 4 Gazette acts processed. See the directors and other office holders in the KBO →
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
History
Acts, filings and financial milestones
2025
31-10
NBB filing
Annual accounts filed
financial year 2024 · micro format · 92 days late
2024
31-12
Financial
Equity above €150,000equity €192,102 ▲40.8%
6 profitable years in a row build equity to €192,102.
31-08
NBB filing
Annual accounts filed
financial year 2023 · micro format · 31 days late
2023
31-12
Financial
Highest result from 2018 to 2024net €70,429 ▲315%
Operating result €106,123, net result €70,429, both a record.
31-12
Financial
Equity above €100,000equity €136,401 ▲107%
5 profitable years in a row build equity to €136,401.
30-10
NBB filing
Annual accounts filed
financial year 2022 · micro format · 91 days late
2022
27-09
NBB filing
Annual accounts filed
financial year 2021 · micro format · 58 days late
2021
31-10
NBB filing
Annual accounts filed
financial year 2020 · micro format · 92 days late
2020
31-10
NBB filing
Annual accounts filed
financial year 2019 · micro format · 92 days late
2019
31-12
Financial
Back to profitnet €4,055
Net result €4,055 after one loss-making year.
30-09
NBB filing
Annual accounts filed
financial year 2018 · micro format · 61 days late
2018
30-08
NBB filing
Annual accounts filed
financial year 2017 · micro format · 30 days late
2017
22-08
NBB filing
Annual accounts filed
financial year 2016 · micro format · 22 days late
2016
31-08
NBB filing
Annual accounts filed
financial year 2015 · abbreviated format · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the financial year-end date, not the filing date.Of the 16 annual accounts filed, the latest 10 are here; all 16 are under Financials.
0 of 4 deeds read
About the unread acts
We know of 4 Belgian Official 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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Register details
Identification
Legal formPrivate limited company
Founded29-04-2008
Financial year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
Contact
Website
www.mijnverzekeraar.be
E-mail
jan@mijnverzekeraar.be
E-invoicing
Reachable via Peppol
Peppol ID
0208:0897654331
Also
9925:BE0897654331
Registered
30-04-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
Location & real-estate footprint
Registered office, Herselt · 1 establishment unit since 2008
Ground area
3,595 m²
Building footprint
625 m²
Building volume
1,744 m³
2 parcels, Flanders · tallest building 10.7 m. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
DERIFIN BVBA
since 2008unit no. 2.170.657.882
2 parcels
Flanders
2
(100%)
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 13392L0535/00K000 | Flanders | 3,152 m² | 1 · 250 m² | 10.7 m · 2 |
| 13392M0519/00V000 | Flanders | 443 m² | 1 · 375 m² | - |
How the parcels are linked
Good to know
Both parcels match the address exactly.