TRF CONSEILS

Active

Private limited companyfounded 201313 yrs activeRue Grande 55, 7340 Colfontaine, BelgiumKBO/BCE: BE 0502.981.523

Summary

TRF CONSEILS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The latest annual accounts of TRF CONSEILS were filed more than 90 days after the deadline. The 2024 annual accounts show negative equity (-€172,947) and a net result of -€92,615. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 3320 sector peers (fiscal year 2024). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch Report Compare

TRF CONSEILSActive

Risk analysis Report Compare

Activity

Insurance agents and brokers

NACE 66220

1 site

Size

€76,301total assets 2024

Equity: -€172,947
Loss: -€92,615

Financial health

Financial institution: outside the modelProbability: sector outside the model

Structure

Accounts 65 d overdue0 of 2 deeds read

Signals- Weak solvency vs sector- Filed more than 90 days lateShow 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.

Filing: Filed more than 90 days late

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.

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Signals

Two signals. The signal on the left, the evidence on the right.

+raises risk

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 3320 sector peers (2024).

NBB · sector comparison

Position among 3320 sector peers

Solvency

better than 5%

← weakest strongest →

Filed more than 90 days late

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 14-12-2025, 136 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.

NBB · 10 filings

Deviation from the deadline

2025

not confirmed

2024

136 d late

2023

60 d late

2022

75 d late

2021

66 d late

2020

93 d late

2019

123 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 92 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 39% of the sector filed late.

Checked, nothing found (1)

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

14-12-25 Annual accounts filedfiscal year 2024 · micro…
29-09-24 Annual accounts filedfiscal year 2023 · micro…
31-12-23 Weakest financial yearnet -€139,805

Key points

Risk: Negative equityfiscal year 2024: debts exceed assets -€172,947 View
Caution: Equity fell in 2024from -€80,332 to -€172,947 ▼ 115% View
Caution: Among the weakest 5% on solvencysector median 50.1% · 3,320 companies -226.7% View
Caution: Accounts not fileddeadline was 31-07-2026 65 d late View
Caution: 2 loss-making years in a rowloss fiscal year 2024 -€92,615 View