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SOLUTIONS

Active Risk: not assessed
Private limited companyfounded 1990active for 36 yearsSnepdreef 25, 9940 Evergem, BelgiumKBO/BCE: BE 0441.107.894
Summary

SOLUTIONS 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 €323,171 and a net result of €42,598. Equity is growing by about 8% per year across the filed financial years. Its solvency ranks better than 77% of 9,723 sector peers (NACE 64, financial year 2025). The company has been active since 1990 and the Belgian Official Gazette contains no insolvency or warning signals.

Financials · financial year 2025, micro format

2025 annual accounts filed late (61 days) Filed on 30 September 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00535345.

Equity
€323,171▲ 15.2%
2024 · €280,573
Net result
€42,598▼ 38.2%
2024 · €68,932
Total assets
€408,580▲ 9.0%
2024 · €374,759
Solvency
79.1%▲ 4.2pp
2024 · 74.9%
Trend over the years

2020 to 2025, 5 financial years 2018 to 2025, 7 financial years

The operating result falls in 2025; 2025 is 39% below 2024.

What the company sold each financial year and what was left of it. A loss stands below the zero line.

Operating result€64,046 2025 Net result€42,598 2025

Use the arrow keys on the chart for the figures per year.

Sector: the middle half of NACE 64, Financial service activities, except insurance and pension funding: 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).

Every figure with its change against the financial year before
favourable unfavourable
Line2018201920202021202220242025
Operating result€4,825--€25,562-€65,687▼ 157%-€23,432▲ 64.3%€114,200€105,297-€64,046▼ 39.2%
Net result€803--€29,071-€69,744below the sector's middle half▼ 140%-€26,906below the sector's middle half▲ 61.4%€97,111above the sector's middle half€68,932within the sector's middle half-€42,598within the sector's middle half▼ 38.2%
Equity€220,123-€191,052▼ 13.2%€121,308within the sector's middle half▼ 36.5%€94,402within the sector's middle half▼ 22.2%€191,512within the sector's middle half▲ 103%€280,573within the sector's middle half-€323,171within the sector's middle half▲ 15.2%
Total assets€296,258-€391,005▲ 32.0%€357,947within the sector's middle half▼ 8.5%€323,684within the sector's middle half▼ 9.6%€380,931within the sector's middle half▲ 17.7%€374,759within the sector's middle half-€408,580within the sector's middle half▲ 9.0%
Debt€76,135-€199,953▲ 163%€236,639▲ 18.3%€229,282▼ 3.1%€189,419▼ 17.4%€94,186-€85,409▼ 9.3%
Working capital€72,922--€13,166-€62,789below the sector's middle half▼ 377%-€66,564below the sector's middle half▼ 6.0%€49,269within the sector's middle half€140,853within the sector's middle half-€193,844above the sector's middle half▲ 37.6%
Solvency74.3%-48.9%▼ 25.4pp33.9%within the sector's middle half▼ 15.0pp29.2%within the sector's middle half▼ 4.7pp50.3%within the sector's middle half▲ 21.1pp74.9%within the sector's middle half-79.1%above the sector's middle half▲ 4.2pp
Current ratio2.58-0.86▼ 1.720.55below the sector's middle half▼ 0.310.56below the sector's middle half▲ 0.011.39within the sector's middle half▲ 0.834.14within the sector's middle half-5.16above the sector's middle half▲ 1.03
Return on assets (ROA)0.3%--7.4%▼ 7.7pp-19.5%below the sector's middle half▼ 12.0pp-8.3%below the sector's middle half▲ 11.2pp25.5%above the sector's middle half▲ 33.8pp18.4%within the sector's middle half-10.4%within the sector's middle half▼ 8.0pp
above within below the middle half of NACE 64, Financial service activities, except insurance and pension funding: 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.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €408,580
Fixed assets €168,194 ▼ 11.0%
Current assets €240,386 ▲ 29.4%
Equity and liabilities €408,580
Equity €323,171 ▲ 15.2%
Debt €85,409 ▼ 9.3%
Debt's share of the balance-sheet total falls from 25.1% to 20.9%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
ROE
13.2%▼
2024 · 24.6%
Debt ≤ 1 year
€46,543▲
2024 · €44,918
Debt > 1 year
€32,235▼
2024 · €41,059
Income taxes
€22,203▼
2024 · €33,797
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 51 lines
Balance sheet Code20242025
Assets
Total assets20/58€374,759€408,580▲
Fixed assets21/28€188,988€168,194▼
Tangible fixed assets22/27€188,938€168,144▼
Land and buildings22€159,032€142,536▼
Plant, machinery and equipment23€7,313€8,810▲
Furniture and vehicles24€22,593€16,798▼
Financial fixed assets28€50€50=
Current assets29/58€185,771€240,386▲
Amounts receivable within one year40/41€82,797€113,502▲
Trade receivables40€39,383€51,574▲
Other amounts receivable41€43,414€61,929▲
Cash at bank and in hand54/58€92,815€117,961▲
Deferred charges and accrued income490/1€10,159€8,923▼
Equity and liabilities
Total equity and liabilities10/49€374,759€408,580▲
Equity10/15€280,573€323,171▲
Contributions10/11€10,084€10,084=
Reserves13€270,489€313,087▲
Non-distributable reserves130/1€2,000€2,000=
Reserves not available under the articles1311€2,000€2,000=
Distributable reserves133€268,489€311,087▲
Profit (loss) carried forward14€0-
Amounts payable17/49€94,186€85,409▼
Amounts payable after more than one year17€41,059€32,235▼
Financial debts170/4€41,059€32,235▼
Amounts payable within one year42/48€44,918€46,543▲
Current portion of amounts payable after more than one year42€8,657€8,823▲
Trade debts44€741€2,846▲
Suppliers440/4€741€2,846▲
Taxes, remuneration and social security45€35,520€34,874▼
Taxes450/3€35,520€34,874▼
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€8,209€6,631▼
Income statement Code20242025
Non-recurring operating income76A€4,635€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32,673€33,409▲
Other operating charges640/8€7,333€4,050▼
Gross operating margin9900€145,303€101,505▼
Operating profit (loss)9901€105,297€64,046▼
Financial income75/76B€9€2,822▲
Recurring financial income75€9€2,822▲
Financial charges65/66B€2,577€2,068▼
Recurring financial charges65€2,577€2,068▼
Profit (loss) for the period before taxes9903€102,729€64,800▼
Income taxes67/77€33,797€22,203▼
Profit (loss) for the period9904€68,932€42,598▼
Profit (loss) for the period to be appropriated9905€68,932€42,598▼
Appropriation of the result
Profit (loss) to be appropriated9906€68,932€42,598▼
Profit (loss) brought forward from the previous period14P€0-
Transfer to equity691/2€68,932€42,598▼
To other reserves6921€68,932€42,598▼
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-

The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2018201920202021202220242025Change
Non-recurring operating income76A-----€4,635€0▼ 100%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28,041€33,942€45,359€46,139€36,875€32,673€33,409▲ 2.3%
Other operating charges640/8---€3,366€3,552€7,333€4,050▼ 44.8%
Gross operating margin9900€37,610€12,265-€15,243€26,073€154,627€145,303€101,505▼ 30.1%
Operating profit (loss)9901€4,825-€25,562-€65,687-€23,432€114,200€105,297€64,046▼ 39.2%
Financial income75/76B---€1€8€9€2,822▲ 29,703%
Recurring financial income75€1€389€4€1€8€9€2,822▲ 29,703%
Financial charges65/66B---€3,125€6,943€2,577€2,068▼ 19.8%
Recurring financial charges65€2,063€2,375€3,730€3,125€6,943€2,577€2,068▼ 19.8%
Profit (loss) for the period before taxes9903€2,762-€27,549-€69,413-€26,556€107,265€102,729€64,800▼ 36.9%
Income taxes67/77€2,039€1,522€331€350€10,155€33,797€22,203▼ 34.3%
Profit (loss) for the period9904€803-€29,071-€69,744-€26,906€97,111€68,932€42,598▼ 38.2%
Profit (loss) for the period to be appropriated9905€959-€29,071-€69,744-€26,906€97,111€68,932€42,598▼ 38.2%
Line2018201920202021202220242025Change
Assets
Total assets20/58€296,258€391,005€357,947€323,684€380,931€374,759€408,580▲ 9.0%
Fixed assets21/28€177,200€309,965€281,371€238,196€206,098€188,988€168,194▼ 11.0%
Tangible fixed assets22/27€177,151€309,915€281,321€238,147€206,048€188,938€168,144▼ 11.0%
Land and buildings22---€187,765€168,269€159,032€142,536▼ 10.4%
Plant, machinery and equipment23---€7,486€6,716€7,313€8,810▲ 20.5%
Furniture and vehicles24---€42,896€31,063€22,593€16,798▼ 25.6%
Financial fixed assets28€50€50€50€50€50€50€50=
Current assets29/58€119,057€81,040€76,576€85,487€174,834€185,771€240,386▲ 29.4%
Amounts receivable within one year40/41€87,242€56,974€33,867€40,590€69,841€82,797€113,502▲ 37.1%
Trade receivables40---€29,901€68,074€39,383€51,574▲ 31.0%
Other amounts receivable41---€10,689€1,767€43,414€61,929▲ 42.6%
Cash at bank and in hand54/58€26,681€21,994€36,053€38,322€103,547€92,815€117,961▲ 27.1%
Deferred charges and accrued income490/1---€6,575€1,445€10,159€8,923▼ 12.2%
Equity and liabilities
Total equity and liabilities10/49€296,258€391,005€357,947€323,684€380,931€374,759€408,580▲ 9.0%
Equity10/15€220,123€191,052€121,308€94,402€191,512€280,573€323,171▲ 15.2%
Contributions10/11€10,084€10,084-€10,084€10,084€10,084€10,084=
Reserves13€2,000€2,000€2,000€2,000€99,000€270,489€313,087▲ 15.7%
Non-distributable reserves130/1---€2,000€2,000€2,000€2,000=
Reserves not available under the articles1311---€2,000€2,000€2,000€2,000=
Distributable reserves133----€97,000€268,489€311,087▲ 15.9%
Profit (loss) carried forward14€208,039€178,968€109,224€82,318€82,428€0--
Amounts payable17/49€76,135€199,953€236,639€229,282€189,419€94,186€85,409▼ 9.3%
Amounts payable after more than one year17€29,999€104,128€97,274€74,562€58,211€41,059€32,235▼ 21.5%
Financial debts170/4---€74,562€58,211€41,059€32,235▼ 21.5%
Amounts payable within one year42/48€46,136€94,206€139,365€152,051€125,565€44,918€46,543▲ 3.6%
Current portion of amounts payable after more than one year42---€22,712€17,208€8,657€8,823▲ 1.9%
Trade debts44€3,594€6,782€5,674€10,882€4,655€741€2,846▲ 284%
Suppliers440/4---€10,882€4,655€741€2,846▲ 284%
Taxes, remuneration and social security45---€7,081€19,451€35,520€34,874▼ 1.8%
Taxes450/3---€7,081€19,451€35,520€34,874▼ 1.8%
Other amounts payable47/48---€111,377€84,251€0--
Accrued charges and deferred income492/3---€2,669€5,643€8,209€6,631▼ 19.2%
Line2018201920202021202220242025Change
Profit (loss) for the period9904€803-€29,071-€69,744-€26,906€97,111€68,932€42,598▼ 38.2%
+ Depreciation and write-downs630€28,041€33,942€45,359€46,139€36,875€32,673€33,409▲ 2.3%
Operating cash flow (approximation)€28,844€4,871-€24,385€19,233€133,985€101,604€76,007▼ 25.2%
Investment in fixed assets (approximation)--€166,706-€16,765-€2,964-€4,776--€12,615-
Change in cash--€4,688€14,059€2,269€65,226-€25,146-

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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Latest 10 of 34 filings with the National Bank
Financial year Type Filed Reference
31-12-2025 micro format 30-09-2026 2026-00535345
31-12-2024 micro format 02-12-2025 2025-00579934
31-12-2022 micro format 09-10-2023 2023-00479975
31-12-2021 micro format 12-06-2023 2023-00121264
31-12-2020 micro format 29-09-2021 2021-69500267
31-12-2019 micro format 03-09-2020 2020-50500412
31-12-2018 micro format 27-08-2019 2019-55700413
31-12-2017 micro format 31-08-2018 2018-61500007
31-12-2016 micro format 29-09-2017 2017-65000205
31-12-2015 abbreviated format 28-07-2016 2016-36700049

Show all 34 filings

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