Summary
SYSMANS 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 €2.5m and a net result of €420,557. Equity is growing by about 7.7% per year across the filed financial years. Its solvency ranks better than 95% of 1,835 sector peers (NACE 66, financial year 2025). The company has been active since 2002 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Agents and brokers in banking services
NACE 66191
7th oldest company in Rijkevorsel, Finance and insurance sector1 site
Size
€2.5mtotal assets 2025
- Staff
- 1 FTE
- Equity
- €2.5m
- Profit
- €420,557
Turnover not published (abbreviated or micro format)
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
Structure
Accounts 123 days early0 of 2 deeds read
SignalsneutralLatest 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.
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
1 signal.
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 30-03-2026, 123 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
123 days early
2024
119 days early
2023
119 days early
2022
118 days early
2021
100 days early
2020
101 days early
2019
99 days 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 111 days before 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 (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 4 April (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
21-10-2026 today31-12-2026 year end31-07-2027 deadline
- Annual accounts filedfinancial year 2025 · abbreviated…
- Highest result from 2018 to 2025net €420,557 ▲12.4%
- Annual accounts filedfinancial year 2024 · abbreviated…
Financials · financial year 2025, abbreviated format
In the rankings
#7 oldest company in Rijkevorsel, Finance and insurance sector#10 company by equity in Rijkevorsel, Finance and insurance sector
Equity
€2.5m▲ 20.7%
2024 · €2.0m
Net result
€420,557▲ 12.4%
2024 · €374,128
Total assets
€2.5m▲ 21.0%
2024 · €2.1m
Solvency
98.3%▼ 0.2pp
2024 · 98.5%
Trend over the years
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 9% above 2024 and is the highest result in the available series.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€0.6m
2025
Net result€0.4m
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€2.5m
2025
Equity€2.5m
2025
Debt€0.04m
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital€2.4m
2025
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)16.9%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency98.3%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio64.87
2025
Average staff in full-time equivalents (FTE).
Staff (FTE)1
2025
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
Line20182019202020212022202320242025
Operating result€0.4m-€0.4m▲ 9.1%€0.4m▲ 3.7%€0.5m▲ 26.4%€0.5m▼ 13.5%€0.5m=€0.5m▲ 8.0%€0.6m▲ 8.8%
Net result€0.3m-€0.3m▲ 10.1%€0.3mabove the sector's middle half▲ 8.9%€0.4mabove the sector's middle half▲ 32.1%€0.3mabove the sector's middle half▼ 18.0%€0.3mabove the sector's middle half▼ 0.8%€0.4mabove the sector's middle half▲ 15.6%€0.4mabove the sector's middle half▲ 12.4%
Equity€1.2m-€1.5m▲ 22.5%€1.5mabove the sector's middle half▼ 0.4%€1.7mabove the sector's middle half▲ 14.1%€1.8mabove the sector's middle half▲ 6.2%€1.9mabove the sector's middle half▲ 5.1%€2.0mabove the sector's middle half▲ 6.6%€2.5mabove the sector's middle half▲ 20.7%
Total assets€1.3m-€1.6m▲ 19.2%€1.6mabove the sector's middle half▼ 1.6%€1.8mabove the sector's middle half▲ 14.6%€1.8mabove the sector's middle half▲ 3.3%€2.0mabove the sector's middle half▲ 5.9%€2.1mwithin the sector's middle half▲ 5.3%€2.5mabove the sector's middle half▲ 21.0%
Debt€0.1m-€0.08m▼ 19.4%€0.07m▼ 22.1%€0.08m▲ 25.4%€0.04m▼ 56.6%€0.05m▲ 48.2%€0.03m▼ 43.7%€0.04m▲ 40.5%
Working capital€1.1m-€1.4m▲ 28.4%€1.4mabove the sector's middle half▲ 2.6%€1.7mabove the sector's middle half▲ 16.5%€1.8mabove the sector's middle half▲ 7.2%€1.9mabove the sector's middle half▲ 5.2%€2.0mabove the sector's middle half▲ 7.4%€2.4mabove the sector's middle half▲ 20.2%
Solvency92.1%-94.7%▲ 2.6pp95.8%above the sector's middle half▲ 1.1pp95.4%above the sector's middle half▼ 0.4pp98.1%above the sector's middle half▲ 2.7pp97.3%above the sector's middle half▼ 0.8pp98.5%above the sector's middle half▲ 1.3pp98.3%above the sector's middle half▼ 0.2pp
Current ratio12.59-18.12▲ 5.5323.78above the sector's middle half▲ 5.6622.07above the sector's middle half▼ 1.7157.70above the sector's middle half▲ 35.6339.62above the sector's middle half▼ 18.0880.80above the sector's middle half▲ 41.1864.87above the sector's middle half▼ 15.93
Return on assets (ROA)18.9%-17.4%▼ 1.4pp19.3%above the sector's middle half▲ 1.9pp22.2%above the sector's middle half▲ 2.9pp17.6%within the sector's middle half▼ 4.6pp16.5%within the sector's middle half▼ 1.1pp18.1%within the sector's middle half▲ 1.6pp16.9%within the sector's middle half▼ 1.3pp
Staff (FTE)1.8-1.8=1.8within the sector's middle half=1.8=1.9▲ 5.6%1.9within the sector's middle half=1.6below the sector's middle half▼ 15.8%1below the sector's middle half▼ 37.5%
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 abbreviated or micro format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.5m
Fixed assets
€21,162 ▲ 112%
Current assets
€2.5m ▲ 20.5%
Equity and liabilities €2.5m
Equity
€2.5m ▲ 20.7%
Debt
€42,088 ▲ 40.5%
Debt's share of the balance-sheet total rises from 1.5% to 1.7%. Equity and debt are higher.
Key figures and ratios
ROE
17.1%▼
2024 · 18.4%
Debt ≤ 1 year
€38,138▲
2024 · €25,402
Income taxes
€191,052▲
2024 · €170,393
Staff costs
€99,502▼
2024 · €152,510
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 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €133,394 | €150,230 | €168,895 | €152,510 | €99,502 | ▼ 34.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €45,709 | €41,711 | €41,711 | €24,707 | €13,465 | €10,214 | €12,763 | €5,952 | ▼ 53.4% |
| Other operating charges640/8 | - | - | - | €2,763 | €3,019 | €3,211 | €3,746 | €3,575 | ▼ 4.6% |
| Non-recurring operating charges66A | - | - | - | €80 | - | - | - | - | - |
| Gross operating margin9900 | €544,533 | €587,732 | €604,928 | €704,413 | €636,835 | €652,624 | €677,043 | €661,614 | ▼ 2.3% |
| Operating profit (loss)9901 | €380,153 | €414,671 | €429,855 | €543,470 | €470,122 | €470,304 | €508,024 | €552,585 | ▲ 8.8% |
| Financial income75/76B | - | - | - | €35,476 | €4,857 | €843 | €36,651 | €59,214 | ▲ 61.6% |
| Recurring financial income75 | €1,383 | €3,866 | €7,365 | €35,476 | €4,857 | €843 | €36,651 | €59,214 | ▲ 61.6% |
| Financial charges65/66B | - | - | - | €87 | €284 | €102 | €154 | €190 | ▲ 23.7% |
| Recurring financial charges65 | €445 | €170 | €448 | €87 | €284 | €102 | €154 | €190 | ▲ 23.7% |
| Profit (loss) for the period before taxes9903 | €381,091 | €418,367 | €436,772 | €578,858 | €474,694 | €471,044 | €544,521 | €611,609 | ▲ 12.3% |
| Income taxes67/77 | €130,060 | €142,069 | €135,780 | €181,191 | €148,580 | €147,435 | €170,393 | €191,052 | ▲ 12.1% |
| Profit (loss) for the period9904 | €251,031 | €276,298 | €300,993 | €397,668 | €326,114 | €323,610 | €374,128 | €420,557 | ▲ 12.4% |
| Profit (loss) for the period to be appropriated9905 | €247,949 | €272,605 | €300,993 | €397,668 | €326,114 | €323,610 | €374,128 | €420,557 | ▲ 12.4% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €1.3m | €1.6m | €1.6m | €1.8m | €1.8m | €2.0m | €2.1m | €2.5m | ▲ 21.0% |
| Fixed assets21/28 | €0.1m | €0.1m | €0.06m | €0.04m | €0.02m | €0.02m | €0.01m | €0.02m | ▲ 112% |
| Tangible fixed assets22/27 | €0.1m | €0.1m | €0.06m | €0.04m | €0.02m | €0.02m | €0.01m | €0.02m | ▲ 112% |
| Land and buildings22 | - | - | - | €0.04m | €0.02m | €0.01m | €0.004m | €0.01m | ▲ 309% |
| Furniture and vehicles24 | - | - | - | - | - | €0.01m | €0.006m | €0.007m | ▲ 2.4% |
| Current assets29/58 | €1.2m | €1.5m | €1.5m | €1.8m | €1.8m | €1.9m | €2.1m | €2.5m | ▲ 20.5% |
| Amounts receivable after more than one year29 | - | - | - | €0.007m | €0.006m | - | - | - | - |
| Other amounts receivable291 | - | - | - | €0.007m | €0.006m | - | - | - | - |
| Amounts receivable within one year40/41 | - | €0.002m | - | - | €0.01m | €0.003m | €0.003m | - | - |
| Trade receivables40 | - | - | - | - | €46 | - | - | - | - |
| Other amounts receivable41 | - | - | - | - | €0.01m | €0.003m | €0.003m | - | - |
| Current investments50/53 | €1.0m | €1.4m | €1.4m | €1.6m | €1.7m | €1.8m | €1.9m | €2.4m | ▲ 27.0% |
| Cash at bank and in hand54/58 | €0.07m | €0.02m | €0.01m | €0.09m | €0.02m | €0.1m | €0.1m | €0.02m | ▼ 84.2% |
| Deferred charges and accrued income490/1 | - | - | - | €0.07m | €0.05m | €0.05m | €0.06m | €0.07m | ▲ 18.5% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €1.3m | €1.6m | €1.6m | €1.8m | €1.8m | €2.0m | €2.1m | €2.5m | ▲ 21.0% |
| Equity10/15 | €1.2m | €1.5m | €1.5m | €1.7m | €1.8m | €1.9m | €2.0m | €2.5m | ▲ 20.7% |
| Contributions10/11 | €0.2m | €0.2m | - | €0.006m | €0.006m | €0.006m | €0.006m | €0.006m | = |
| Reserves13 | €1.1m | €1.3m | €1.5m | €1.7m | €1.8m | €1.9m | €2.0m | €2.4m | ▲ 20.8% |
| Tax-exempt reserves132 | - | - | - | €0.01m | €0.01m | €0.01m | €0.01m | €0.01m | = |
| Distributable reserves133 | - | - | - | €1.7m | €1.8m | €1.9m | €2.0m | €2.4m | ▲ 20.9% |
| Profit (loss) carried forward14 | €0.005m | €0.007m | €0.007m | €0.007m | €0.008m | €0.008m | €0.008m | €0.008m | ▲ 0.7% |
| Amounts payable17/49 | €0.1m | €0.08m | €0.07m | €0.08m | €0.04m | €0.05m | €0.03m | €0.04m | ▲ 40.5% |
| Amounts payable after more than one year17 | €0.008m | - | - | - | - | - | - | - | - |
| Amounts payable within one year42/48 | €0.09m | €0.08m | €0.06m | €0.08m | €0.03m | €0.05m | €0.03m | €0.04m | ▲ 50.1% |
| Trade debts44 | €0.008m | €0.002m | €0.01m | €0.01m | €0.01m | €0.01m | €0.002m | €0.007m | ▲ 229% |
| Suppliers440/4 | - | - | - | €0.01m | €0.01m | €0.01m | €0.002m | €0.007m | ▲ 229% |
| Taxes, remuneration and social security45 | - | - | - | €0.07m | €0.02m | €0.03m | €0.02m | €0.03m | ▲ 29.1% |
| Taxes450/3 | - | - | - | €0.05m | €0.002m | €0.005m | €0.01m | €0.01m | ▼ 1.6% |
| Remuneration and social security454/9 | - | - | - | €0.02m | €0.02m | €0.03m | €0.01m | €0.02m | ▲ 62.0% |
| Other amounts payable47/48 | - | - | - | €131 | - | €0.001m | €144 | €0.001m | ▲ 599% |
| Accrued charges and deferred income492/3 | - | - | - | €0.003m | €0.004m | €0.004m | €0.005m | €0.004m | ▼ 13.2% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €251,031 | €276,298 | €300,993 | €397,668 | €326,114 | €323,610 | €374,128 | €420,557 | ▲ 12.4% |
| + Depreciation and write-downs630 | €45,709 | €41,711 | €41,711 | €24,707 | €13,465 | €10,214 | €12,763 | €5,952 | ▼ 53.4% |
| Operating cash flow (approximation) | €296,741 | €318,009 | €342,704 | €422,374 | €339,579 | €333,824 | €386,890 | €426,509 | ▲ 10.2% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | -€9,862 | €0 | -€17,140 | - |
| Change in cash | - | -€41,046 | -€9,829 | €76,185 | -€74,430 | €80,120 | €15,869 | -€94,185 | - |
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 23 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | abbreviated format | 30-03-2026 | 2026-00065256 |
| 31-12-2024 | abbreviated format | 03-04-2025 | 2025-00062153 |
| 31-12-2023 | abbreviated format | 03-04-2024 | 2024-00055302 |
| 31-12-2022 | micro format | 04-04-2023 | 2023-00052971 |
| 31-12-2021 | micro format | 22-04-2022 | 2022-20007880 |
| 31-12-2020 | micro format | 21-04-2021 | 2021-11000176 |
| 31-12-2019 | micro format | 23-04-2020 | 2020-09800547 |
| 31-12-2018 | micro format | 25-04-2019 | 2019-10800266 |
| 31-12-2017 | micro format | 05-04-2018 | 2018-09200461 |
| 31-12-2016 | micro format | 25-04-2017 | 2017-10200233 |
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Of the 1,649 active companies whose main activity is agents and brokers in banking services (NACE 66191), figures are known for 1,201. 569 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
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 2 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
Next filing, financial year 2026, expected by
2026
30-03
NBB filing
Annual accounts filed
financial year 2025 · abbreviated format
2025
31-12
Financial
Highest result from 2018 to 2025net €420,557 ▲12.4%
Operating result €552,585, net result €420,557, both a record.
03-04
NBB filing
Annual accounts filed
financial year 2024 · abbreviated format
2024
31-12
Financial
Liquidity doublescurrent ratio 80.80
Current ratio from 39.62 to 80.80; short-term debt falls from €48,872 to €25,402.
31-12
Financial
Equity above €2mequity €2.0m ▲6.6%
A profit in every financial year since 2018 builds equity to €2.0m.
03-04
NBB filing
Annual accounts filed
financial year 2023 · abbreviated format
2023
04-04
NBB filing
Annual accounts filed
financial year 2022 · micro format
2022
31-12
Financial
Liquidity more than doubledcurrent ratio 57.70
Current ratio from 22.07 to 57.70; short-term debt falls from €79,467 to €31,657.
22-04
NBB filing
Annual accounts filed
financial year 2021 · micro format
2021
21-04
NBB filing
Annual accounts filed
financial year 2020 · micro format
2020
23-04
NBB filing
Annual accounts filed
financial year 2019 · micro format
2019
25-04
NBB filing
Annual accounts filed
financial year 2018 · micro format
2018
05-04
NBB filing
Annual accounts filed
financial year 2017 · micro format
2017
25-04
NBB filing
Annual accounts filed
financial year 2016 · micro format
Financial milestoneNBB filingFinancial milestones sit on the financial year-end date, not the filing date.Of the 23 annual accounts filed, the latest 10 are here; all 23 are under Financials.
0 of 2 deeds read
About the unread acts
We know of 2 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
Founded22-01-2002
Financial year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0476656515
Registered
26-07-2024
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 21 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Recognitions · licences · registrations
Legal Entity Identifier
549300D57Q5DCS6NH092
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
Location & real-estate footprint
Registered office, Rijkevorsel · 1 establishment unit since 2002
Ground area
821 m²
Building footprint
200 m²
Building volume
1,065 m³
Parcel 13037H0656/00S002, Flanders · tallest building 9.4 m. Linked by address, not a title deed.
1 establishment unit
ARGENTA
since 2002unit no. 2.095.835.547
1 parcel
Flanders
1
(100%)
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 13037H0656/00S002 | Flanders | 821 m² | 1 · 200 m² | 9.4 m · 2 |
How the parcels are linked
Good to know
The parcel matches the address exactly.