Sunscreen
ActiveSummary
Sunscreen is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (-€15,921) and a net result of -€15,896. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 2463 sector peers (fiscal year 2025). The company has been active since 2011 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
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 5% of 2463 sector peers (2025).
NBB · sector comparisonPosition among 2463 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-12-2025, 60 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
60 d early
2024
43 d early
2023
41 d early
2022
on the day
2021
on the day
2020
26 d late
2019
1 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 17 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 21 December (5 of the last 5 filed years within 41 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close28-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
-€15,921▼ 63,812%
2024 · -€25
Net result
-€15,896▼ 2.3%
2024 · -€15,534
Total assets
€65,374▼ 14.9%
2024 · €76,789
Solvency
-24.4%▼ 24.3pp
2024 · 0.0%
Trend over the years
Click a name to add, emphasise or remove a line.Band: 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.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€10,048▲ 142%-€5,123-€8,741▼ 70.6%-€15,348▼ 75.6%-€9,672▲ 37.0%
Net result€7,015within the sector's middle half▲ 269%-€5,292below the sector's middle half-€8,922below the sector's middle half▼ 68.6%-€15,534below the sector's middle half▼ 74.1%-€15,896below the sector's middle half▼ 2.3%
Equity€29,724below the sector's middle half▲ 30.9%€24,431below the sector's middle half▼ 17.8%€15,509below the sector's middle half▼ 36.5%-€25below the sector's middle half-€15,921below the sector's middle half▼ 63,812%
Total assets€33,420below the sector's middle half▲ 27.5%€45,196below the sector's middle half▲ 35.2%€89,699below the sector's middle half▲ 98.5%€76,789below the sector's middle half▼ 14.4%€65,374below the sector's middle half▼ 14.9%
Debt€3,696▲ 5.6%€20,765▲ 462%€74,190▲ 257%€76,813▲ 3.5%€81,294▲ 5.8%
Working capital€17,399within the sector's middle half▼ 18.8%€2,872within the sector's middle half▼ 83.5%-€45,613below the sector's middle half-€49,301below the sector's middle half▼ 8.1%-€48,283below the sector's middle half▲ 2.1%
Solvency88.9%above the sector's middle half▲ 2.3pp54.1%within the sector's middle half▼ 34.9pp17.3%below the sector's middle half▼ 36.8pp0.0%below the sector's middle half▼ 17.3pp-24.4%below the sector's middle half▼ 24.3pp
Current ratio5.71above the sector's middle half▼ 1.421.14within the sector's middle half▼ 4.570.39below the sector's middle half▼ 0.750.36below the sector's middle half▼ 0.030.41below the sector's middle half▲ 0.05
Return on assets (ROA)21.0%above the sector's middle half▲ 13.7pp-11.7%below the sector's middle half▼ 32.7pp-9.9%below the sector's middle half▲ 1.8pp-20.2%below the sector's middle half▼ 10.3pp-24.3%below the sector's middle half▼ 4.1pp
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.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €9,672 in 2025 against €15,348 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €65,374
Fixed assets
€32,362 ▼ 34.3%
Current assets
€33,012 ▲ 20.0%
Key figures and ratios
Debt ≤ 1 year
€81,294▲
2024 · €76,813
Income taxes
€389▲
2024 · €5
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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,083 | €3,067 | €14,073 | €16,717 | €16,914 | ▲ 1.2% |
| Other operating charges640/8 | - | €450 | €866 | €592 | €552 | ▼ 6.8% |
| Gross operating margin9900 | €11,580 | -€1,606 | €6,198 | €1,961 | €7,793 | ▲ 297% |
| Operating profit (loss)9901 | €10,048 | -€5,123 | -€8,741 | -€15,348 | -€9,672 | ▲ 37.0% |
| Financial income75/76B | - | €11 | - | - | €8 | - |
| Recurring financial income75 | - | €11 | - | - | €8 | - |
| Financial charges65/66B | - | €180 | €182 | €181 | €5,842 | ▲ 3,132% |
| Recurring financial charges65 | €88 | €180 | €182 | €181 | €5,842 | ▲ 3,132% |
| Profit (loss) for the period before taxes9903 | €9,960 | -€5,292 | -€8,922 | -€15,529 | -€15,507 | ▲ 0.1% |
| Income taxes67/77 | €2,946 | - | - | €5 | €389 | ▲ 7,508% |
| Profit (loss) for the period9904 | €7,015 | -€5,292 | -€8,922 | -€15,534 | -€15,896 | ▼ 2.3% |
| Profit (loss) for the period to be appropriated9905 | €7,015 | -€5,292 | -€8,922 | -€15,534 | -€15,896 | ▼ 2.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €33,420 | €45,196 | €89,699 | €76,789 | €65,374 | ▼ 14.9% |
| Fixed assets21/28 | €12,325 | €21,560 | €61,122 | €49,276 | €32,362 | ▼ 34.3% |
| Intangible fixed assets21 | - | - | €39,173 | €29,494 | €19,815 | ▼ 32.8% |
| Tangible fixed assets22/27 | €12,325 | €21,560 | €21,949 | €19,782 | €12,547 | ▼ 36.6% |
| Furniture and vehicles24 | - | €21,560 | €21,949 | €19,782 | €12,547 | ▼ 36.6% |
| Current assets29/58 | €21,095 | €23,636 | €28,577 | €27,512 | €33,012 | ▲ 20.0% |
| Amounts receivable within one year40/41 | - | €5,000 | €13,336 | €15,075 | €9,917 | ▼ 34.2% |
| Trade receivables40 | - | €5,000 | €3,665 | €12,776 | €8,417 | ▼ 34.1% |
| Other amounts receivable41 | - | - | €9,671 | €2,299 | €1,500 | ▼ 34.8% |
| Cash at bank and in hand54/58 | €11,670 | €8,598 | €15,023 | €11,422 | €12,023 | ▲ 5.3% |
| Deferred charges and accrued income490/1 | - | €10,038 | €218 | €1,016 | €11,072 | ▲ 990% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €33,420 | €45,196 | €89,699 | €76,789 | €65,374 | ▼ 14.9% |
| Equity10/15 | €29,724 | €24,431 | €15,509 | -€25 | -€15,921 | ▼ 63,812% |
| Contributions10/11 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €20,294 | €20,294 | €20,294 | €20,294 | €20,294 | = |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €0 | - | - |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €0 | - | - |
| Distributable reserves133 | - | €18,434 | €18,434 | €20,294 | €20,294 | = |
| Profit (loss) carried forward14 | €3,230 | -€2,062 | -€10,984 | -€26,518 | -€42,414 | ▼ 59.9% |
| Amounts payable17/49 | €3,696 | €20,765 | €74,190 | €76,813 | €81,294 | ▲ 5.8% |
| Amounts payable within one year42/48 | €3,696 | €20,765 | €74,190 | €76,813 | €81,294 | ▲ 5.8% |
| Trade debts44 | €94 | €2,596 | €157 | €1,522 | €3,296 | ▲ 117% |
| Suppliers440/4 | - | €2,596 | €157 | €1,522 | €3,296 | ▲ 117% |
| Taxes, remuneration and social security45 | - | - | - | €2,924 | €2,104 | ▼ 28.0% |
| Taxes450/3 | - | - | - | €5 | €2,104 | ▲ 41,080% |
| Remuneration and social security454/9 | - | - | - | €2,919 | €0 | ▼ 100% |
| Other amounts payable47/48 | - | €18,168 | €74,033 | €72,368 | €75,894 | ▲ 4.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €7,015 | -€5,292 | -€8,922 | -€15,534 | -€15,896 | ▼ 2.3% |
| + Depreciation and write-downs630 | €1,083 | €3,067 | €14,073 | €16,717 | €16,914 | ▲ 1.2% |
| Operating cash flow (approximation) | €8,098 | -€2,225 | €5,151 | €1,183 | €1,018 | ▼ 13.9% |
| Investment in fixed assets (approximation) | - | -€12,302 | -€53,636 | -€4,871 | €0 | ▲ 100% |
| Change in cash | - | -€3,072 | €6,425 | -€3,602 | €601 | ▲ 117% |
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
07-08
State Gazette act
General meeting · Board meeting
Other statement · Dissolution
2025
02-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Weakest financial yearnet -€15,896
Net result drops to -€15,896, the lowest in the series.
2024
19-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
21-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Highest result since 2019net €7,015 ▲269%
Operating result €10,048, net result €7,015, both a record.
26-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
30-06
Financial
Back to profitnet €1,900
Net result €1,900 after one loss-making year.
30-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
16-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
11-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB 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, Mol · 1 establishment unit since 2011
Ground area
6,471 m²
Building footprint
488 m²
Volume, LiDAR
2,679 m³
2 parcels, Flanders · tallest building 16.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
A.C.T. Insurance & Consulting
since 20112.195.508.391
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13432B2178/00B004 | Flanders | 3,371 m² | 1 · 232 m² | 6.9 m · 1 fl. |
| 13432B2176/00G012 | Flanders | 3,100 m² | 1 · 256 m² | 16.9 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 12,861 EUR awarded · 12,861 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 1,417 EUR | 1,417 EUR |
| 2023 | 1 | 3,944 EUR | 3,944 EUR |
| 2022 | 1 | 7,500 EUR | 7,500 EUR |
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Of 4,673 companies in sector 66220 we hold annual accounts for 3,222. 1,323 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
Founded19-01-2011
Fiscal year end30-06
Activities, NACEBEL 2025
66220Insurance agents and brokers
66110Activities auxiliary to financial services and insurance activities
66191Agents and brokers in banking services
66199Other activities auxiliary to financial services, excluding insurance and pension funding
66290Activities auxiliary to financial services and insurance activities
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0832960675
Also
9925:BE0832960675
Registered
14-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.