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. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 5% of 3,058 sector peers (NACE 66, financial year 2025). The company has been active since 2011 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 19-01-2011 Normal situation
- Activity
- Insurance agents and brokers NACE 66220and 5 others
- Establishment unit
- 2.195.508.391 2400 Mol, since 19-01-2011
- Financial year end
- 30 June
- Peppol
- Reachable since 14-11-2025
Financial position
Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts to 30-06-2025
- Loss
- €15,896
- ▲ 2.3%
- Equity
- -€15,921
- ▼ 63,812%
- Total assets
- €65,374
- ▼ 14.9%
- Negative equity on 30-06-2025
Signalsraises riskWeak solvency compared with the sectorneutralLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Two signals.
raises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 3058 sector peers (2025).
NBB · sector comparisonPosition among 3058 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 days early
2024
43 days early
2023
41 days early
2022
on the day
2021
on the day
2020
26 days late
2019
1 day early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 17 days before the deadline. In the sector (NACE 66), the median for financial year 2024 was 5 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 21 December (5 of the last 5 accounts filed within 41 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end04-11-2026 today31-01-2027 deadline
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 02-12-2025 PDF all 14 filings
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%
Multi-year overview
2019 to 2025, 7 financial yearsOperating result
-€9,672
▲ 37.0%
2025
20192025
Net result
-€15,896
▼ 2.3%
2025
lowest quarter of the sector
20192025
Equity
-€15,921
▼ 63,812%
2025
lowest quarter of the sector
20192025
Total assets
€65,374
▼ 14.9%
2025
lowest quarter of the sector
20192025
Debt
€81,294
▲ 5.8%
2025
20192025
Working capital
-€48,283
▲ 2.1%
2025
lowest quarter of the sector
20192025
Solvency
-24.4%
▼ 24.3pp
2025
lowest quarter of the sector
20192025
Current ratio
0.41
▲ 0.05
2025
lowest quarter of the sector
20192025
Return on assets (ROA)
-24.3%
▼ 4.1pp
2025
lowest quarter of the sector
20192025
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line2019202020212022202320242025
Operating result-€2,755-€4,147€10,048▲ 142%-€5,123-€8,741▼ 70.6%-€15,348▼ 75.6%-€9,672▲ 37.0%
Net result-€2,859-€1,900below the sector's middle half€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€20,809-€22,709below the sector's middle half▲ 9.1%€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€21,064-€26,208below the sector's middle half▲ 24.4%€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€256-€3,499▲ 14×€3,696▲ 5.6%€20,765▲ 462%€74,190▲ 257%€76,813▲ 3.5%€81,294▲ 5.8%
Working capital€18,668-€21,435within the sector's middle half▲ 14.8%€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%
Solvency98.8%-86.6%above the sector's middle half▼ 12.1pp88.9%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 ratio73.96-7.13above the sector's middle half▼ 66.835.71above 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)-13.6%-7.3%within the sector's middle half▲ 20.8pp21.0%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 sector band is the middle half of the companies in Activities auxiliary to financial services and insurance activities (NACE 66). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The operating result for 2025 is a loss of €9,672, smaller than the loss of €15,348 in 2024.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
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%
Equity and liabilities
Equity-€15,921
Debt€81,294
Equity is negative. Debt (€81,294) exceeds the balance-sheet total (€65,374).
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.
Investments
| Item | 30-06-2022 | 30-06-2023 | 30-06-2024 | 30-06-2025 |
|---|---|---|---|---|
| Tangible fixed assets | €12,302 | €6,554 | €4,871 | - |
| Intangible fixed assets | - | €47,081 | - | - |
| Depreciation and write-downs of the year | €3,067 | €14,073 | €16,717 | €16,914 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
Subsidies and aid
Flemish government
2022 to 2024 · 3 entries · €12,861 awarded · €12,861 paid| Year | Entries | Awarded | Paid |
|---|---|---|---|
| 2024 | 1 | €1,417 | €1,417 |
| 2023 | 1 | €3,944 | €3,944 |
| 2022 | 1 | €7,500 | €7,500 |
Annual accounts
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,632 | €866 | €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 | -€677 | €5,114 | €11,580 | -€1,606 | €6,198 | €1,961 | €7,793 | ▲ 297% |
| Operating profit (loss)9901 | -€2,755 | €4,147 | €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 | ▲ 32× |
| Recurring financial charges65 | €132 | €190 | €88 | €180 | €182 | €181 | €5,842 | ▲ 32× |
| Profit (loss) for the period before taxes9903 | -€2,886 | €3,957 | €9,960 | -€5,292 | -€8,922 | -€15,529 | -€15,507 | ▲ 0.1% |
| Income taxes67/77 | -€27 | €2,057 | €2,946 | - | - | €5 | €389 | ▲ 76× |
| Profit (loss) for the period9904 | -€2,859 | €1,900 | €7,015 | -€5,292 | -€8,922 | -€15,534 | -€15,896 | ▼ 2.3% |
| Profit (loss) for the period to be appropriated9905 | -€2,859 | €1,900 | €7,015 | -€5,292 | -€8,922 | -€15,534 | -€15,896 | ▼ 2.3% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Total assets20/58 | €21,064 | €26,208 | €33,420 | €45,196 | €89,699 | €76,789 | €65,374 | ▼ 14.9% |
| Fixed assets21/28 | €2,140 | €1,274 | €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 | €2,140 | €1,274 | €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 | €18,924 | €24,934 | €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 | €9,829 | €9,631 | €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 | €21,064 | €26,208 | €33,420 | €45,196 | €89,699 | €76,789 | €65,374 | ▼ 14.9% |
| Equity10/15 | €20,809 | €22,709 | €29,724 | €24,431 | €15,509 | -€25 | -€15,921 | ▼ 63,812% |
| Contributions10/11 | €6,200 | - | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €11,546 | €13,279 | €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 | €3,063 | €3,230 | €3,230 | -€2,062 | -€10,984 | -€26,518 | -€42,414 | ▼ 59.9% |
| Amounts payable17/49 | €256 | €3,499 | €3,696 | €20,765 | €74,190 | €76,813 | €81,294 | ▲ 5.8% |
| Amounts payable within one year42/48 | €256 | €3,499 | €3,696 | €20,765 | €74,190 | €76,813 | €81,294 | ▲ 5.8% |
| Trade debts44 | €179 | €117 | €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 | ▲ 412× |
| Remuneration and social security454/9 | - | - | - | - | - | €2,919 | €0 | ▼ 100% |
| Other amounts payable47/48 | - | - | - | €18,168 | €74,033 | €72,368 | €75,894 | ▲ 4.9% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€2,859 | €1,900 | €7,015 | -€5,292 | -€8,922 | -€15,534 | -€15,896 | ▼ 2.3% |
| + Depreciation and write-downs630 | €1,632 | €866 | €1,083 | €3,067 | €14,073 | €16,717 | €16,914 | ▲ 1.2% |
| Operating cash flow (approximation) | -€1,227 | €2,767 | €8,098 | -€2,225 | €5,151 | €1,183 | €1,018 | ▼ 13.9% |
| Investment in fixed assets (approximation) | - | €0 | -€12,134 | -€12,302 | -€53,636 | -€4,871 | €0 | - |
| Change in cash | - | -€198 | €2,040 | -€3,072 | €6,425 | -€3,602 | €601 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Latest 10 of 14 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 30-06-2025 | micro format | 02-12-2025 | 2025-00574822 | |
| 30-06-2024 | micro format | 19-12-2024 | 2024-00620587 | |
| 30-06-2023 | micro format | 21-12-2023 | 2023-00533995 | |
| 30-06-2022 | micro format | 31-01-2023 | 2023-00017388 | |
| 30-06-2021 | micro format | 31-01-2022 | 2022-03800475 | |
| 30-06-2020 | micro format | 26-02-2021 | 2021-06600196 | |
| 30-06-2019 | micro format | 30-01-2020 | 2020-03300528 | |
| 30-06-2018 | micro format | 16-01-2019 | 2019-01600188 | |
| 30-06-2017 | micro format | 11-01-2018 | 2018-01000591 | |
| 30-06-2016 | abbreviated format | 31-01-2017 | 2017-03800354 |
Board & ownership
Directors
Directors
1 director, last change in 2022
TRIEST Anne-Catherine
Current
Director (not named in the articles) · since 02-03-2022 · earlier manager, until 04-03-2022 · term without a fixed end · listed in the 2025 annual accounts, filed on 02-12-2025
Signing authorityThe articles say who may bind the company, for example by signing a contract.
Each director alone
deed of 04-03-2022Owners and capital
Capital transactions
Capital over time
- 04-03-2022 Capital reduction of €12,400 · “vrijstelling van volstorting van de niet-opgevraagde inbrengen”
Mandate history
1 person, 1 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| TRIEST Anne-Catherine |
|
Network & group
Sunscreen shares no director with another company.
Connections & network
1 current directorThe network starts from the directors of Sunscreen. Every other company they run is a node.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2025
02-12
micro format · 60 days before the deadline
30-06
Financial
Weakest financial yearnet -€15,896
The net result drops to -€15,896, the lowest from 2019 to 2025.
2024
19-12
micro format · 43 days before the deadline
2023
2022
04-03
Gazette deed
Company renamed from A.C.T.Insurance&Consulting to SunscreenRegistered office moved within Mol · Capital decrease of €12,400 · New seat: 2400 Mol, Den Diel 1516 points ▸
Gazette deed
Company renamed from A.C.T.Insurance&Consulting to Sunscreen
Registered office moved within Mol · Capital decrease of €12,400 · New seat: 2400 Mol, Den Diel 1516 points ▸
- General meeting, 16-02-2022
- Amendment of the articles, mentioned 2 times in the deed
- Capital decrease, €12,400
- Capital conversion, “artikel 39,§2,tweede lid van de wet van 23-03-2019, eigen vermogensrekening niet-opgevraagde inbrengen” (deed in Dutch)
- Capital conversion, “opheffing, middelen beschikbaar voor uitkering” (deed in Dutch)
- Other provision, “geen toekomstige bijstortingen niet-opgevraagd geplaatst kapitaal” (deed in Dutch)
- Purpose change
- Name change, Sunscreen
- Registered-office move, 2400 Mol,Den Diel 15
- Registered office clause, “2400 Mol, Den Diel 15” (deed in Dutch)
- Other provision, “website en e-mailadres, waarmee aandeelhouders kunnen communiceren met vennootschap” (deed in Dutch)
- Power of attorney
- The act holds 4 more points.
31-01
micro format · on the deadline day
2021
30-06
Financial
Highest result from 2019 to 2025net €7,015 ▲269%
The operating result of €10,048 and the net result of €7,015 are both a record.
26-02
micro format · 26 days late
2020
30-06
Financial
Back to profitnet €1,900
The net result is €1,900, after one loss-making year.
30-01
micro format · 1 day before the deadline
2019
16-01
micro format · 15 days before the deadline
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
Sunscreen in Dutch
Former name
A.C.T.Insurance&Consulting until the act of 04-03-2022
Enterprise number
0832.960.675
Legal form
Private limited company
Status
Active, normale toestand
Founded
19-01-2011
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 04-03-2022 (in Dutch)Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Vlaams Gewest”
deed of 04-03-2022 (in Dutch)Registered office and establishments
Registered office
Den Diel 15, 2400 Mol, Belgium
Establishment unit
A.C.T. Insurance & Consulting, Den Diel 33, 2400 Mol since 19-01-2011 · unit number 2.195.508.391
Activities
NACEBEL 202566220
Insurance agents and brokers main activity
66110
Activities auxiliary to financial services and insurance activities
66191
Agents and brokers in banking services
66199
Other activities auxiliary to financial services, excluding insurance and pension funding
66290
Activities auxiliary to financial services and insurance activities
70200
Business and other management consultancy
Codes under NACEBEL 2008
66220
Activities auxiliary to financial services and insurance activities main activity
66110
Activities auxiliary to financial services and insurance activities
66191
Agents and brokers in banking services
66199
Activities auxiliary to financial services and insurance activities
66290
Activities auxiliary to financial services and insurance activities
70220
Business consulting
PurposeThe purpose describes the activities the company may carry out under its articles.
deed of 04-03-2022 (in Dutch)
“Het aanbieden in de hoedanigheid van makelaar of tussenpersoon,van alle verzekeringen,herverzekeringen of hypothecaire verrichtingen; Alle…”
16 activities
- Het aanbieden in de hoedanigheid van makelaar of tussenpersoon,van alle verzekeringen,herverzekeringen of hypothecaire verrichtingen.
- Alle leen-,financierings- en financiële verrichtingen,alsmede sociale adviezen,voor eigen rekening of voor rekening van derden.
- Vertegenwoordiging van Belgische of buitenlandse verzekeraars en makelaars,inzonderheid met alle representatieverrichtingen,met het beheer van alle rechten en belangen,de verrichtingen inzake makelarij,agentuur,onderagentschap en inspectie;bureau voor de controle van goederen en materieel(expertises).
- Het ontwerpen van software en de verkoop ervan.Het geven van consultancy,opleidingen en managementadvies met betrekking tot het hogervermelde voorwerp.
- Alle verrichtingen van makelarij inzake overeenkomsten van financiële of commerciële aard.
- Handelen in onroerende goederen,kopen en verkopen,huren en verhuren,beheren,laten bouwen en verbouwen van onroerende goederen,dit enkel voor eigen rekening.
- Alle nijverheids-,handels- en financiële verrichtingen,welke rechtstreeks of onrechtstreeks haar voorwerp aanbelangen,of van aard zijn de verwezenlijking ervan te bevorderen of uit te breiden.
- Alle beheer,management,deelname of belangenmenging,rechtstreeks of onrechtstreeks in bestaande of nog op te richten vennootschappen van welke vorm of voorwerp ook.
- Life planning in de meest ruime zin.Het opstellen van een Life Plan en verdere coaching/begeleiding hierbij(business life planning,financial life planning…).
- Het verstrekken van advies inzake patrimoniumplanning in alle mogelijke domeinen,zowel mondeling als schriftelijk,en het vertegenwoordigen van partijen in handelingen die hierop betrekking hebben.
- Financiële planning in de ruimste zin van het woord,financiële analyse/advies en doorlichting;
- Het afhandelen van nalatenschapsdossiers,hierin zijn onder meer begrepen het opmaken van aangiftes van nalatenschap,het vertegenwoordigen van de erfgenamen in alle handelingen en het verdelen van de tegoeden.
- Het organiseren van en meewerken aan seminaries,voordrachten en cursussen over alle onderwerpen hierboven genoemd(beleggingen,life planning,coaching,fiscaliteit,vermogensplanning en alle rechts en economische begrippen).
- Het publiceren van artikels en boeken,het uitgeven van tijdschriften en teksten over alle mogelijke onderwerpen.
- Daartoe kan de onderneming ook samenwerken met,deelnemen in,of op gelijk welke wijze,rechtstreeks of onrechtstreeks,belang nemen in andere ondernemingen.
- Bijstand in juridische,commerciële,financiële administratieve,sociale en bedrijfseconomische aangelegenheden.
Invoicing and payment
VAT number
BE 0832.960.675
Financial year and general meeting
Accounts at the NBBFinancial year end
30-06
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
First Monday of December at 12:00
deed of 04-03-2022 (in Dutch)Sites & property
Location
Buildings and parcels at the addresses
Ground area
6,471 m²
Building footprint
488 m²
Building volume
2,679 m³
Tallest building: 16.9 m.
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 13432B2178/00B004 | Flanders | 3,371 m² | 1 · 232 m² | 6.9 m · 1 |
| 13432B2176/00G012 | Flanders | 3,100 m² | 1 · 256 m² | 16.9 m · 2 |