Summary
Q-FIN+ 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 €179,326 and a net result of €283. Equity is growing by ~10.3% per year across the filed fiscal years. Its solvency ranks better than 26% of 503 sector peers (fiscal year 2025). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
What they do
Insurance agents and brokers
NACE 66220
1 site
How big
€983,417total assets 2025
- Equity
- €179,326
- Profit
- €283
Net result -100%: other schema
Financially healthy?
Financial institution: outside the modelProbability: sector outside the model
Who decides
- Parent
- SOHL PROJECTS · 100%
Accounts 1 d early0 of 8 deeds read
SignalsLatest accounts filed on timeShow 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.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
28 d late
2023
1 d early
2022
5 d early
2021
6 d early
2020
16 d early
2019
45 d late
← 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 6 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 39% of the sector filed late.
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. Usually files around 30 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · full…
- Annual accounts filedfiscal year 2024 · abbreviated…
- Annual accounts filedfiscal year 2023 · abbreviated…
Financials
Fiscal year 2025Total assets €983,417Profit €283Solvency 18.2%Liquidity 2.59
Total assets
€983,417▼ 23.0%
2018 - 2025
Net result
€283▼ 99.8%
2018 - 2025
Equity
€179,326▲ 0.2%
2018 - 2025
Staff (FTE)
1▼ 61.5%
2018 - 2024
Financials · fiscal year 2025, full schema
Trend over the years
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. 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 fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€0.04m▼ 85.7%€0.06m▲ 28.6%€0.05m▼ 9.3%€0.2m▲ 217%€0.02m▼ 90.6%
Net result€0.01mwithin the sector's middle half▼ 94.1%€0.04mwithin the sector's middle half▲ 159%€0.02mwithin the sector's middle half▼ 41.5%€0.1mwithin the sector's middle half▲ 528%€283below the sector's middle half▼ 99.8%
Equity€0.2mwithin the sector's middle half▲ 148%€0.2mwithin the sector's middle half▲ 1.4%€0.2mwithin the sector's middle half▲ 0.7%€0.2mwithin the sector's middle half▲ 3.5%€0.2mbelow the sector's middle half▲ 0.2%
Total assets€1.3mwithin the sector's middle half▲ 707%€1.3mwithin the sector's middle half▼ 3.7%€1.2mwithin the sector's middle half▼ 2.4%€1.3mwithin the sector's middle half▲ 2.9%€1.0mwithin the sector's middle half▼ 23.0%
Debt€1.2m▲ 1,110%€1.1m▼ 4.5%€1.1m▼ 2.8%€1.1m▲ 2.8%€0.8m▼ 26.7%
Working capital€0.03mwithin the sector's middle half▼ 55.4%€0.05mwithin the sector's middle half▲ 53.1%€0.07mwithin the sector's middle half▲ 44.2%€0.5mabove the sector's middle half▲ 603%€0.4mwithin the sector's middle half▼ 24.4%
Solvency12.8%below the sector's middle half▼ 29.0pp13.5%below the sector's middle half▲ 0.7pp13.9%below the sector's middle half▲ 0.4pp14.0%below the sector's middle half▲ 0.1pp18.2%within the sector's middle half▲ 4.2pp
Current ratio1.22within the sector's middle half▼ 0.621.25within the sector's middle half▲ 0.021.27within the sector's middle half▲ 0.022.48within the sector's middle half▲ 1.222.59within the sector's middle half▲ 0.11
Return on assets (ROA)1.1%below the sector's middle half▼ 143.7pp2.9%within the sector's middle half▲ 1.8pp1.7%below the sector's middle half▼ 1.1pp10.5%within the sector's middle half▲ 8.7pp0.0%below the sector's middle half▼ 10.4pp
Staff (FTE)1.6below the sector's middle half2.1within the sector's middle half▲ 31.3%2.6within the sector's middle half▲ 23.8%1below the sector's middle half▼ 61.5%
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Why a figure moved sharply
- 2025 Net result -100% on 2024. The accounts now follow the full schema, last year the abbreviated schema.
Result and balance sheet
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 91% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €983,417
Fixed assets
€346,161 ▼ 15.5%
Current assets
€637,256 ▼ 26.5%
Equity and liabilities €983,417
Equity
€179,326 ▲ 0.2%
Debt
€804,091 ▼ 26.7%
Debt's share of the balance-sheet total falls from 86.0% to 81.8%. Equity is higher and debt is lower.
Key figures and ratios
Key figures and ratios
ROE
0.2%▼
2024 · 74.6%
Debt ≤ 1 year
€245,938▼
2024 · €349,154
Debt > 1 year
€534,192▼
2024 · €683,432
Income taxes
€3,272▼
2024 · €3,448
Staff costs
€1,677▼
2024 · €63,371
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €4,939 | €1,559 | - | €148,598 | €3,106 | ▼ 97.9% |
| Remuneration, social security and pensions62 | €61,811 | €124,361 | €146,527 | €63,371 | €1,677 | ▼ 97.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €63,397 | €125,434 | €125,594 | €65,548 | €65,945 | ▲ 0.6% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €500 | - | - | - | - |
| Other operating charges640/8 | €483 | €410 | €1,561 | €1,436 | €2,357 | ▲ 64.2% |
| Non-recurring operating charges66A | €618 | €2,499 | €2,600 | €13,089 | €171 | ▼ 98.7% |
| Gross operating margin9900 | €171,208 | €310,941 | €328,629 | €309,215 | €85,691 | ▼ 72.3% |
| Operating profit (loss)9901 | €44,899 | €57,736 | €52,347 | €165,771 | €15,542 | ▼ 90.6% |
| Financial income75/76B | €402 | €2,756 | €10,049 | €14,012 | €9,584 | ▼ 31.6% |
| Recurring financial income75 | €402 | €2,756 | €10,049 | €14,012 | €9,584 | ▼ 31.6% |
| Financial charges65/66B | €25,603 | €23,231 | €38,557 | €42,830 | €21,571 | ▼ 49.6% |
| Recurring financial charges65 | €25,603 | €23,231 | €38,557 | €42,830 | €21,571 | ▼ 49.6% |
| Profit (loss) for the period before taxes9903 | €19,698 | €37,261 | €23,839 | €136,953 | €3,555 | ▼ 97.4% |
| Income taxes67/77 | €5,671 | €930 | €2,574 | €3,448 | €3,272 | ▼ 5.1% |
| Profit (loss) for the period9904 | €14,026 | €36,331 | €21,265 | €133,505 | €283 | ▼ 99.8% |
| Profit (loss) for the period to be appropriated9905 | €14,026 | €36,331 | €21,265 | €133,505 | €283 | ▼ 99.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.3m | €1.3m | €1.2m | €1.3m | €1.0m | ▼ 23.0% |
| Fixed assets21/28 | €1.1m | €1.0m | €0.9m | €0.4m | €0.3m | ▼ 15.5% |
| Intangible fixed assets21 | €1.1m | €1.0m | €0.9m | €0.4m | €0.3m | ▼ 15.7% |
| Tangible fixed assets22/27 | €0.03m | €0.02m | €0.02m | €0.005m | €0.005m | ▲ 0.4% |
| Furniture and vehicles24 | €0.01m | €0.009m | €0.007m | €0.005m | €0.002m | ▼ 50.9% |
| Other tangible fixed assets26 | €0.02m | €0.01m | €0.009m | - | €0.002m | - |
| Current assets29/58 | €0.2m | €0.3m | €0.4m | €0.9m | €0.6m | ▼ 26.5% |
| Amounts receivable within one year40/41 | €0.1m | €0.2m | €0.3m | €0.9m | €0.6m | ▼ 27.5% |
| Trade receivables40 | €0.005m | €0.03m | €0.03m | €0.5m | €0.4m | ▼ 20.2% |
| Other amounts receivable41 | €0.1m | €0.2m | €0.3m | €0.3m | €0.2m | ▼ 39.7% |
| Cash at bank and in hand54/58 | €0.04m | €0.02m | €0.03m | €0.004m | €0.01m | ▲ 149% |
| Deferred charges and accrued income490/1 | - | €0.004m | €0.001m | €0.003m | €0.004m | ▲ 43.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.3m | €1.3m | €1.2m | €1.3m | €1.0m | ▼ 23.0% |
| Equity10/15 | €0.2m | €0.2m | €0.2m | €0.2m | €0.2m | ▲ 0.2% |
| Contributions10/11 | €0.2m | €0.2m | €0.2m | €0.2m | €0.2m | = |
| Capital10 | €0.2m | €0.2m | €0.2m | €0.2m | €0.2m | = |
| Issued capital100 | €0.2m | €0.2m | €0.2m | €0.2m | €0.2m | = |
| Reserves13 | €0.007m | €0.01m | €0.01m | €0.02m | €0.02m | ▲ 1.7% |
| Non-distributable reserves130/1 | €0.007m | €0.009m | €0.01m | €0.02m | €0.02m | = |
| Legal reserve130 | €0.007m | €0.009m | €0.01m | €0.02m | €0.02m | = |
| Tax-exempt reserves132 | €215 | €215 | €215 | €215 | €215 | = |
| Distributable reserves133 | €325 | €325 | €325 | €0.001m | €0.001m | ▲ 45.0% |
| Amounts payable17/49 | €1.2m | €1.1m | €1.1m | €1.1m | €0.8m | ▼ 26.7% |
| Amounts payable after more than one year17 | €1.0m | €0.9m | €0.8m | €0.7m | €0.5m | ▼ 21.8% |
| Financial debts170/4 | €1.0m | €0.9m | €0.8m | €0.7m | €0.5m | ▼ 21.8% |
| Amounts payable within one year42/48 | €0.1m | €0.2m | €0.3m | €0.3m | €0.2m | ▼ 29.6% |
| Current portion of amounts payable after more than one year42 | €0.1m | €0.1m | €0.1m | €0.1m | €0.2m | ▲ 11.6% |
| Financial debts43 | - | - | €0.08m | €432 | €144 | ▼ 66.7% |
| Credit institutions430/8 | - | - | €0.08m | €432 | €144 | ▼ 66.7% |
| Trade debts44 | €0.02m | €0.01m | €0.02m | €0.03m | €0.05m | ▲ 95.9% |
| Suppliers440/4 | €0.02m | €0.01m | €0.02m | €0.03m | €0.05m | ▲ 95.9% |
| Advances received on contracts in progress46 | - | €0.003m | €0.005m | €0.02m | €0.03m | ▲ 56.2% |
| Taxes, remuneration and social security45 | €0.01m | €0.03m | €0.03m | €0.01m | €0.007m | ▼ 35.5% |
| Taxes450/3 | €0.006m | €0.01m | €0.009m | €0.01m | €0.007m | ▼ 27.3% |
| Remuneration and social security454/9 | €0.007m | €0.02m | €0.02m | €0.001m | - | - |
| Other amounts payable47/48 | €0.01m | €0.04m | €0.02m | €0.2m | €0.002m | ▼ 98.8% |
| Accrued charges and deferred income492/3 | €0.005m | €0.01m | €0.03m | €0.06m | €0.02m | ▼ 63.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €14,026 | €36,331 | €21,265 | €133,505 | €283 | ▼ 99.8% |
| + Depreciation and write-downs630 | €63,397 | €125,434 | €125,594 | €65,548 | €65,945 | ▲ 0.6% |
| Operating cash flow (approximation) | €77,424 | €161,765 | €146,859 | €199,053 | €66,228 | ▼ 66.7% |
| Investment in fixed assets (approximation) | - | -€1,980 | -€2,667 | €415,134 | -€2,566 | ▼ 101% |
| Change in cash | - | -€19,268 | €5,890 | -€26,394 | €6,000 | ▲ 123% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
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Of 4,671 companies in this sector we hold annual accounts for 3,221. 2,834 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Board & ownership
Parent SOHL PROJECTS · 100%
Directors
Directors
No directors read yet: 0 of 8 Gazette acts processed. See the function holders in the CBE →
Structure & network
Owners and holdings
1 ownerChain of control
- SOHL PROJECTS
- Q-FIN+
Highest known parent: SOHL PROJECTS. The sources do not say who stands above it.
Owners 1
- SOHL PROJECTSparent100%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No directors read yet: 0 of 8 Gazette acts processed.
Timeline
13 eventsLatest 30-07-2026Next filing 31-07-2027
History
Acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 28 days late
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €150,000Eq €169,442 ▲148%
2 profitable years in a row build equity to €169,442.
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €236,571
Net result €236,571 after one loss-making year.
14-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 45 days late
2019
31-12
Financial
Weakest financial yearnet -€1,773
Net result drops to -€1,773, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 20 days late
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 58 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
We know of 8 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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Sign in to place this company at the front of the reading queue.
Support & recognitions
1 funding sourceFlanders €20,586
Flemish government
€20,586
awarded · 2022 - 2025
Subsidies and aid
Flemish government
2022 to 2025 · 7 entries · €20,586 awarded · €20,458 paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | €51 | €51 |
| 2024 | 2 | €7,829 | €7,779 |
| 2023 | 2 | €7,353 | €7,275 |
| 2022 | 2 | €5,353 | €5,353 |
Company details
Public limited company · founded 22-12-2006Year ends 31-12Peppol reachable1 site
Register details
Identification
Legal formPublic limited company
Founded22-12-2006
Fiscal year end31-12
Abbreviation NL
Q - FIN
Activities, NACEBEL 2025
66220Insurance agents and brokers
Contact
Website
www.q-finplus.be
E-invoicing
Reachable via Peppol
Peppol ID
0208:0886106282
Also
9925:BE0886106282
Registered
05-03-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Zonhoven · 1 establishment unit since 2007
Ground area
1,271 m²
Building footprint
536 m²
Volume, LiDAR
5,551 m³
2 parcels, Flanders · tallest building 16.8 m, ±4 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Q-Fin+
since 2007unit no. 2.159.259.590
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71066B0575/00D000 | Flanders | 866 m² | 1 · 460 m² | 13.0 m · 4 fl. |
| 71066A0396/00S000 | Flanders | 406 m² | 1 · 77 m² | 16.8 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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