Summary
TAMAFIN 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 €336,463 and a net result of €41,320. Equity is growing by ~29.8% per year across the filed fiscal years. Its solvency ranks better than 48% of 1501 sector peers (fiscal year 2025). The company has been active since 2008 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
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 20-07-2026, 11 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
11 d early
2024
6 d early
2023
12 d early
2022
31 d late
2021
31 d late
2020
8 d early
2019
6 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 3 days after 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 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 25 July (5 of the last 5 filed years within 37 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€336,463▲ 14.0%
2024 · €295,144
Net result
€41,320▼ 74.9%
2024 · €164,939
Total assets
€913,699▲ 3.4%
2024 · €883,316
Solvency
36.8%▲ 3.4pp
2024 · 33.4%
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-€20,772€62,592€87,242▲ 39.4%€71,527▼ 18.0%€9,421▼ 86.8%
Net result-€25,705below the sector's middle half€39,349within the sector's middle half€54,894within the sector's middle half▲ 39.5%€164,939above the sector's middle half▲ 200%€41,320within the sector's middle half▼ 74.9%
Equity€99,435within the sector's middle half▼ 25.3%€102,607within the sector's middle half▲ 3.2%€130,205within the sector's middle half▲ 26.9%€295,144within the sector's middle half▲ 127%€336,463within the sector's middle half▲ 14.0%
Total assets€511,045within the sector's middle half▼ 5.5%€447,814within the sector's middle half▼ 12.4%€507,822within the sector's middle half▲ 13.4%€883,316above the sector's middle half▲ 73.9%€913,699within the sector's middle half▲ 3.4%
Debt€411,610▲ 1.0%€345,207▼ 16.1%€377,617▲ 9.4%€588,173▲ 55.8%€577,236▼ 1.9%
Working capital-€44,681below the sector's middle half▼ 209%-€27,037below the sector's middle half▲ 39.5%€47,330within the sector's middle half-€96,446below the sector's middle half-€77,758below the sector's middle half▲ 19.4%
Solvency19.5%within the sector's middle half▼ 5.2pp22.9%within the sector's middle half▲ 3.5pp25.6%within the sector's middle half▲ 2.7pp33.4%within the sector's middle half▲ 7.8pp36.8%within the sector's middle half▲ 3.4pp
Current ratio0.65below the sector's middle half▼ 0.180.77below the sector's middle half▲ 0.121.27within the sector's middle half▲ 0.500.39below the sector's middle half▼ 0.880.58below the sector's middle half▲ 0.19
Return on assets (ROA)-5.0%below the sector's middle half▼ 11.1pp8.8%within the sector's middle half▲ 13.8pp10.8%within the sector's middle half▲ 2.0pp18.7%within the sector's middle half▲ 7.9pp4.5%within the sector's middle half▼ 14.2pp
Staff (FTE)2.2▲ 100%2.2=2.8▲ 27.3%2.9▲ 3.6%3within the sector's middle half▲ 3.4%
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 abbreviated or micro schema does not require them.
Why a figure moved sharply
- 2025 Net result -75% on 2024. The accounts now follow the abbreviated schema, last year the micro schema.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 87% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €913,699
Fixed assets
€804,405 ▼ 2.0%
Current assets
€109,294 ▲ 73.8%
Equity and liabilities €913,699
Equity
€336,463 ▲ 14.0%
Debt
€577,236 ▼ 1.9%
Debt's share of the balance-sheet total falls from 66.6% to 63.2%. Equity is higher and debt is lower.
Key figures and ratios
ROE
12.3%▼
2024 · 55.9%
Debt ≤ 1 year
€187,052▲
2024 · €159,337
Debt > 1 year
€390,184▼
2024 · €425,811
Income taxes
€2,681▼
2024 · €32,632
Staff costs
€239,410▲
2024 · €145,398
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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €3,274 | €411 | €27,401 | €7,030 | €34,484 | ▲ 390% |
| Remuneration, social security and pensions62 | €111,729 | €100,667 | €158,193 | €145,398 | €239,410 | ▲ 64.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €69,984 | €71,706 | €77,337 | €82,420 | €70,870 | ▼ 14.0% |
| Other operating charges640/8 | €1,519 | €1,350 | €2,104 | €1,731 | €1,569 | ▼ 9.4% |
| Gross operating margin9900 | €162,460 | €236,315 | €324,876 | €301,076 | €321,269 | ▲ 6.7% |
| Operating profit (loss)9901 | -€20,772 | €62,592 | €87,242 | €71,527 | €9,421 | ▼ 86.8% |
| Financial income75/76B | €82 | €6 | €303 | €142,484 | €50,397 | ▼ 64.6% |
| Recurring financial income75 | €82 | €6 | €303 | €142,484 | €50,397 | ▼ 64.6% |
| Financial charges65/66B | €4,262 | €6,556 | €4,431 | €16,440 | €15,817 | ▼ 3.8% |
| Recurring financial charges65 | €4,262 | €6,556 | €4,431 | €16,440 | €15,817 | ▼ 3.8% |
| Profit (loss) for the period before taxes9903 | -€24,952 | €56,042 | €83,114 | €197,571 | €44,001 | ▼ 77.7% |
| Income taxes67/77 | €752 | €16,692 | €28,219 | €32,632 | €2,681 | ▼ 91.8% |
| Profit (loss) for the period9904 | -€25,705 | €39,349 | €54,894 | €164,939 | €41,320 | ▼ 74.9% |
| Profit (loss) for the period to be appropriated9905 | -€25,705 | €39,349 | €54,894 | €164,939 | €41,320 | ▼ 74.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €511,045 | €447,814 | €507,822 | €883,316 | €913,699 | ▲ 3.4% |
| Fixed assets21/28 | €427,070 | €356,908 | €285,772 | €820,425 | €804,405 | ▼ 2.0% |
| Intangible fixed assets21 | €271,021 | €228,521 | €186,021 | €143,521 | €101,021 | ▼ 29.6% |
| Tangible fixed assets22/27 | €156,048 | €128,387 | €99,750 | €114,903 | €141,384 | ▲ 23.0% |
| Land and buildings22 | €63,128 | €61,699 | - | - | - | - |
| Furniture and vehicles24 | €92,920 | €66,688 | €99,750 | €71,794 | €102,705 | ▲ 43.1% |
| Other tangible fixed assets26 | - | - | - | €43,110 | €38,679 | ▼ 10.3% |
| Financial fixed assets28 | - | - | - | €562,000 | €562,000 | = |
| Current assets29/58 | €83,975 | €90,906 | €222,050 | €62,891 | €109,294 | ▲ 73.8% |
| Amounts receivable after more than one year29 | €41,085 | €7,476 | - | - | - | - |
| Other amounts receivable291 | €41,085 | €7,476 | - | - | - | - |
| Amounts receivable within one year40/41 | €563 | €1,476 | €1,890 | €17,454 | €58,643 | ▲ 236% |
| Trade receivables40 | - | - | - | - | €670 | - |
| Other amounts receivable41 | €563 | €1,476 | €1,890 | €17,454 | €57,973 | ▲ 232% |
| Cash at bank and in hand54/58 | €9,709 | €34,013 | €172,485 | €3,962 | €6,566 | ▲ 65.7% |
| Deferred charges and accrued income490/1 | €32,619 | €47,941 | €47,675 | €41,475 | €44,086 | ▲ 6.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €511,045 | €447,814 | €507,822 | €883,316 | €913,699 | ▲ 3.4% |
| Equity10/15 | €99,435 | €102,607 | €130,205 | €295,144 | €336,463 | ▲ 14.0% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €93,235 | €96,407 | €124,005 | €288,944 | €330,263 | ▲ 14.3% |
| Distributable reserves133 | €93,235 | €96,407 | €124,005 | €288,944 | €330,263 | ▲ 14.3% |
| Profit (loss) carried forward14 | - | - | - | €0 | - | - |
| Amounts payable17/49 | €411,610 | €345,207 | €377,617 | €588,173 | €577,236 | ▼ 1.9% |
| Amounts payable after more than one year17 | €280,534 | €224,239 | €199,872 | €425,811 | €390,184 | ▼ 8.4% |
| Financial debts170/4 | €280,534 | €224,239 | €199,872 | €425,811 | €390,184 | ▼ 8.4% |
| Amounts payable within one year42/48 | €128,656 | €117,943 | €174,720 | €159,337 | €187,052 | ▲ 17.4% |
| Current portion of amounts payable after more than one year42 | €69,182 | €63,475 | €76,287 | €88,055 | €95,925 | ▲ 8.9% |
| Financial debts43 | €28,394 | €6,984 | €17,653 | €36,016 | €38,078 | ▲ 5.7% |
| Credit institutions430/8 | €28,394 | €6,984 | €17,653 | €36,016 | €38,078 | ▲ 5.7% |
| Trade debts44 | €11,981 | €6,074 | €14,599 | €617 | €591 | ▼ 4.3% |
| Suppliers440/4 | €11,981 | €6,074 | €14,599 | €617 | €591 | ▼ 4.3% |
| Taxes, remuneration and social security45 | €19,004 | €40,610 | €63,673 | €34,649 | €52,458 | ▲ 51.4% |
| Taxes450/3 | €5,554 | €16,355 | €32,884 | €25,119 | €9,051 | ▼ 64.0% |
| Remuneration and social security454/9 | €13,450 | €24,255 | €30,789 | €9,530 | €43,407 | ▲ 355% |
| Other amounts payable47/48 | €95 | €800 | €2,509 | €0 | - | - |
| Accrued charges and deferred income492/3 | €2,420 | €3,025 | €3,025 | €3,025 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€25,705 | €39,349 | €54,894 | €164,939 | €41,320 | ▼ 74.9% |
| + Depreciation and write-downs630 | €69,984 | €71,706 | €77,337 | €82,420 | €70,870 | ▼ 14.0% |
| Operating cash flow (approximation) | €44,280 | €111,056 | €132,232 | €247,359 | €112,190 | ▼ 54.6% |
| Investment in fixed assets (approximation) | - | -€1,545 | -€6,201 | -€617,073 | -€54,850 | ▲ 91.1% |
| Change in cash | - | €24,304 | €138,472 | -€168,523 | €2,603 | ▲ 102% |
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
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2019net €164,939 ▲200%
Net result €164,939, the highest in the series.
31-12
Financial
Equity above €200,000Eq €295,144 ▲127%
3 profitable years in a row build equity to €295,144.
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Back to profitnet €39,349
Net result €39,349 after one loss-making year.
31-12
Financial
Equity above €100,000Eq €102,607 ▲3.2%
Equity rises from €99,435 to €102,607.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Weakest financial yearnet -€25,705
Net result drops to -€25,705, the lowest in the series; recovery starts the following year.
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
25-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Show earlier events
2018
26-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
09-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
06-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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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Directors · office · real estate
Directors
8 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, Antwerpen · 2 establishment units since 2008
Ground area
582 m²
Building footprint
201 m²
Volume, LiDAR
1,119 m³
2 parcels, Flanders · tallest building 11.4 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
TAMAFIN
since 20082.172.609.958
Tamafin
since 20202.303.267.473
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12030B0005/00D003 | Flanders | 528 m² | 1 · 146 m² | 8.5 m · 1 fl. |
| 11809I2407/00V007 | Flanders | 55 m² | 1 · 55 m² | 11.4 m · 3 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.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 1
-
100%
According to the 2025 annual accounts of TAMAFIN and those 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 current directors or connected companies found in the register.
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Of 1,682 companies in sector 66191 we hold annual accounts for 1,230. 1,058 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
Founded04-07-2008
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0899057465
Also
9925:BE0899057465
Registered
16-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.