Summary
TRIUMFINANCE 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 €825,261 and a net result of €167,396. Equity is growing by ~31.6% per year across the filed fiscal years. Its solvency ranks better than 75% of 493 sector peers (fiscal year 2025). The company has been active since 1989 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.
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. 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 28-06-2026, 33 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
33 d early
2024
8 d early
2023
65 d late
2022
162 d late
2021
30 d late
2020
4 d late
2019
87 d late
← 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 44 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 30 August (4 of the last 5 filed years within 63 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Public money What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, full schema
In the rankings
#3 oldest company in Wemmel, Finance and insurance sector#8 company by equity in Wemmel, Finance and insurance sector#10 company by total assets in Wemmel, Finance and insurance sector
Equity
€825,261▲ 25.4%
2024 · €657,865
Net result
€167,396▼ 23.1%
2024 · €217,773
Total assets
€1.2m▼ 23.3%
2024 · €1.6m
Solvency
68.6%▲ 26.6pp
2024 · 42.0%
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€17,333▼ 65.2%€104,841▲ 505%€262,871▲ 151%€290,260▲ 10.4%€259,117▼ 10.7%
Net result€9,288below the sector's middle half▼ 69.4%€71,663within the sector's middle half▲ 672%€159,461within the sector's middle half▲ 123%€217,773within the sector's middle half▲ 36.6%€167,396within the sector's middle half▼ 23.1%
Equity€208,968within the sector's middle half▲ 4.7%€280,631within the sector's middle half▲ 34.3%€440,092within the sector's middle half▲ 56.8%€657,865within the sector's middle half▲ 49.5%€825,261within the sector's middle half▲ 25.4%
Total assets€267,422below the sector's middle half▼ 11.2%€1.6mwithin the sector's middle half▲ 490%€1.5mwithin the sector's middle half▼ 3.8%€1.6mwithin the sector's middle half▲ 3.4%€1.2mwithin the sector's middle half▼ 23.3%
Debt€58,454▼ 42.5%€1.3m▲ 2,117%€1.1m▼ 16.9%€910,299▼ 15.4%€378,104▼ 58.5%
Working capital€197,377within the sector's middle half▼ 0.5%€62,466within the sector's middle half▼ 68.4%€247,083within the sector's middle half▲ 296%€552,329above the sector's middle half▲ 124%€369,467within the sector's middle half▼ 33.1%
Solvency78.1%above the sector's middle half▲ 11.9pp17.8%below the sector's middle half▼ 60.3pp29.0%within the sector's middle half▲ 11.2pp42.0%within the sector's middle half▲ 12.9pp68.6%above the sector's middle half▲ 26.6pp
Current ratio4.38above the sector's middle half▲ 0.251.15within the sector's middle half▼ 3.232.14within the sector's middle half▲ 0.994.69above the sector's middle half▲ 2.554.14above the sector's middle half▼ 0.55
Return on assets (ROA)3.5%within the sector's middle half▼ 6.6pp4.5%within the sector's middle half▲ 1.1pp10.5%within the sector's middle half▲ 6.0pp13.9%within the sector's middle half▲ 3.4pp13.9%within the sector's middle half=
Staff (FTE)3.8within the sector's middle half4.4within the sector's middle half▲ 15.8%
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.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 11% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.2m
Fixed assets
€716,287 ▼ 17.3%
Current assets
€487,078 ▼ 30.6%
Equity and liabilities €1.2m
Equity
€825,261 ▲ 25.4%
Debt
€378,104 ▼ 58.5%
Debt's share of the balance-sheet total falls from 58.0% to 31.4%. Equity is higher and debt is lower.
Key figures and ratios
ROE
20.3%▼
2024 · 33.1%
Debt ≤ 1 year
€117,611▼
2024 · €149,674
Debt > 1 year
€252,093▼
2024 · €751,725
Income taxes
€65,319▼
2024 · €81,182
Staff costs
€336,304▲
2024 · €244,150
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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €122,062 | €189,160 | €241,018 | €244,150 | €336,304 | ▲ 37.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €41,033 | €151,058 | €191,120 | €201,106 | €205,339 | ▲ 2.1% |
| Other operating charges640/8 | €2,217 | €4,798 | €3,393 | €9,629 | €10,092 | ▲ 4.8% |
| Non-recurring operating charges66A | - | - | €2,500 | - | - | - |
| Gross operating margin9900 | €182,645 | €449,857 | €700,902 | €745,145 | €810,852 | ▲ 8.8% |
| Operating profit (loss)9901 | €17,333 | €104,841 | €262,871 | €290,260 | €259,117 | ▼ 10.7% |
| Financial income75/76B | - | €20,495 | €6,100 | €24,668 | €3,720 | ▼ 84.9% |
| Recurring financial income75 | - | €20,495 | €2,698 | €8,095 | €3,720 | ▼ 54.0% |
| Non-recurring financial income76B | - | - | €3,402 | €16,573 | - | - |
| Financial charges65/66B | €2,045 | €13,620 | €20,806 | €15,973 | €30,122 | ▲ 88.6% |
| Recurring financial charges65 | €2,045 | €13,620 | €20,806 | €15,973 | €30,122 | ▲ 88.6% |
| Profit (loss) for the period before taxes9903 | €15,288 | €111,716 | €248,165 | €298,955 | €232,715 | ▼ 22.2% |
| Income taxes67/77 | €6,000 | €40,053 | €88,704 | €81,182 | €65,319 | ▼ 19.5% |
| Profit (loss) for the period9904 | €9,288 | €71,663 | €159,461 | €217,773 | €167,396 | ▼ 23.1% |
| Profit (loss) for the period to be appropriated9905 | €9,288 | €71,663 | €159,461 | €217,773 | €167,396 | ▼ 23.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €267,422 | €1.6m | €1.5m | €1.6m | €1.2m | ▼ 23.3% |
| Fixed assets21/28 | €11,591 | €1.1m | €1.1m | €866,161 | €716,287 | ▼ 17.3% |
| Intangible fixed assets21 | €0 | €1.1m | €911,117 | €734,974 | €558,831 | ▼ 24.0% |
| Tangible fixed assets22/27 | €10,113 | €4,795 | €141,375 | €131,187 | €157,456 | ▲ 20.0% |
| Plant, machinery and equipment23 | €1,323 | €400 | - | - | - | - |
| Furniture and vehicles24 | €8,790 | €4,395 | €100,635 | €77,227 | €89,200 | ▲ 15.5% |
| Other tangible fixed assets26 | - | - | €40,740 | €53,960 | €68,256 | ▲ 26.5% |
| Financial fixed assets28 | €1,478 | €1,478 | - | - | - | - |
| Current assets29/58 | €255,831 | €480,753 | €464,190 | €702,003 | €487,078 | ▼ 30.6% |
| Amounts receivable within one year40/41 | €235,161 | €254,817 | €91,695 | €125,581 | €205,598 | ▲ 63.7% |
| Trade receivables40 | €53,893 | - | €73,050 | €69,651 | €148,832 | ▲ 114% |
| Other amounts receivable41 | €181,268 | €254,817 | €18,645 | €55,930 | €56,766 | ▲ 1.5% |
| Current investments50/53 | - | - | €250,000 | €420,000 | - | - |
| Cash at bank and in hand54/58 | €19,484 | €225,900 | €121,309 | €156,422 | €279,980 | ▲ 79.0% |
| Deferred charges and accrued income490/1 | €1,186 | €36 | €1,186 | - | €1,500 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €267,422 | €1.6m | €1.5m | €1.6m | €1.2m | ▼ 23.3% |
| Equity10/15 | €208,968 | €280,631 | €440,092 | €657,865 | €825,261 | ▲ 25.4% |
| Contributions10/11 | €125,000 | €125,000 | €125,000 | €125,000 | €125,000 | = |
| Capital10 | €125,000 | €125,000 | €125,000 | €125,000 | €125,000 | = |
| Issued capital100 | €125,000 | €125,000 | €125,000 | €125,000 | €125,000 | = |
| Reserves13 | €51,500 | €121,500 | €271,500 | €271,500 | €271,500 | = |
| Non-distributable reserves130/1 | €12,500 | €12,500 | €12,500 | €12,500 | €12,500 | = |
| Legal reserve130 | €12,500 | €12,500 | €12,500 | €12,500 | €12,500 | = |
| Distributable reserves133 | €39,000 | €109,000 | €259,000 | €259,000 | €259,000 | = |
| Profit (loss) carried forward14 | €32,468 | €34,131 | €43,592 | €261,365 | €428,761 | ▲ 64.0% |
| Amounts payable17/49 | €58,454 | €1.3m | €1.1m | €910,299 | €378,104 | ▼ 58.5% |
| Amounts payable after more than one year17 | - | €862,868 | €859,483 | €751,725 | €252,093 | ▼ 66.5% |
| Financial debts170/4 | - | €862,868 | €859,483 | €751,725 | €22,649 | ▼ 97.0% |
| Other amounts payable178/9 | - | - | - | - | €229,444 | - |
| Amounts payable within one year42/48 | €58,454 | €418,287 | €217,107 | €149,674 | €117,611 | ▼ 21.4% |
| Current portion of amounts payable after more than one year42 | - | - | - | €24,970 | €5,518 | ▼ 77.9% |
| Trade debts44 | €19,184 | €36,088 | €11,465 | €13,469 | €80,904 | ▲ 501% |
| Suppliers440/4 | €19,184 | €36,088 | €11,465 | €13,469 | €80,904 | ▲ 501% |
| Taxes, remuneration and social security45 | €22,708 | €65,137 | €157,844 | €111,235 | €27,901 | ▼ 74.9% |
| Taxes450/3 | €9,687 | €46,053 | €125,849 | €85,796 | €163 | ▼ 99.8% |
| Remuneration and social security454/9 | €13,021 | €19,084 | €31,995 | €25,439 | €27,738 | ▲ 9.0% |
| Other amounts payable47/48 | €16,562 | €317,062 | €47,798 | - | €3,288 | - |
| Accrued charges and deferred income492/3 | - | €15,000 | - | €8,900 | €8,400 | ▼ 5.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €9,288 | €71,663 | €159,461 | €217,773 | €167,396 | ▼ 23.1% |
| + Depreciation and write-downs630 | €41,033 | €151,058 | €191,120 | €201,106 | €205,339 | ▲ 2.1% |
| Operating cash flow (approximation) | €50,321 | €222,721 | €350,581 | €418,879 | €372,735 | ▼ 11.0% |
| Investment in fixed assets (approximation) | - | -€1.2m | -€147,579 | -€14,775 | -€55,465 | ▼ 275% |
| Change in cash | - | €206,416 | -€104,591 | €35,113 | €123,558 | ▲ 252% |
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
15-07
State Gazette act
Appointment: RiskCare SRL (director)Permanent representative: Herman Kerremans · Power of attorney7 facts ▸
State Gazette act
Appointment: RiskCare SRL (director)
Permanent representative: Herman Kerremans · Power of attorney7 facts ▸
- General meeting, 26-06-2026
- Director appointment, RiskCare SRL (director)
- Permanent representative, Herman Kerremans (permanent representative)
- Power of attorney, Dimitri Coun
- Power of attorney, Sofie Swaelens
- Power of attorney, Luna Somers
- Power of attorney
28-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
04-06
State Gazette act
Statutes amendmentCapital5 facts ▸
State Gazette act
Statutes amendment
Capital5 facts ▸
- General meeting, 18-05-2026
- Statutes amendment
- Other statement, Volmacht voor de coördinatie van de statuten
- Other statement, Machtiging aan het bestuursorgaan
- Capital, €125.000
2025
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €217,773 ▲36.6%
Operating result €290,260, net result €217,773, both a record.
31-12
Financial
Liquidity doublescurrent ratio 4.69
Current ratio from 2.14 to 4.69; short-term debt falls from €217,107 to €149,674.
31-12
Financial
Equity above €500,000Eq €657,865 ▲49.5%
7 profitable years in a row build equity to €657,865.
04-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 65 days late
09-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 162 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
31-12
Financial
Weakest financial yearnet €9,288 ▼69.4%
Net result drops to €9,288, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €200,000Eq €208,968 ▲4.7%
4 profitable years in a row build equity to €208,968.
Show earlier events
04-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 4 days late
2020
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 87 days late
14-02
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 198 days late
2019
31-12
Financial
Equity above €150,000Eq €169,296 ▲43.9%
2 profitable years in a row build equity to €169,296.
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 28 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 25 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
2 of 9 acts read
About the unread acts
Of the 9 Belgian State Gazette acts we know for this company, 2 have been read. The other 7 have not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
1 director, last change in 2026
Board 1
SRL RISKCare
CurrentDirector · since 30-06-2026 · Legal entity · perm. rep.: Herman Kerremans
Permanent representatives 1
Herman Kerremans
CurrentPermanent representative · since 30-06-2026 · for SRL RISKCare
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
7 of this company's 9 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Wemmel · 1 establishment unit since 1989
Ground area
7,001 m²
Building footprint
1,935 m²
Volume, LiDAR
19,471 m³
2 parcels, Flanders · tallest building 15.3 m, ±3 floors. Linked by address, not a title deed.
42
companies at this address
See who is registered here
1 establishment unit
Triumfinance
since 19892.042.616.496
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22662B0407/00D011 | Flanders | 6,201 m² | 1 · 1,886 m² | 15.3 m · 3 fl. |
| 23030B0410/00S002 | Flanders | 800 m² | 1 · 49 m² | 11.9 m · 1 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.
Mandate history
1 person since 2026, 1 in office
- Board
| Name | Functions and periods |
|---|---|
| SRL RISKCare |
|
Articles of association
Who signs
Two directors jointly
Annual meeting
Last Friday of May at 10:00
Duration
Unlimited
Purpose
Het verrichten van alle handelingen als makelaar en expert-adviseur in onroerende goederen, immateriële waarden en rechten zoals licentierechten en brevetrechten; Het optreden als…
Full purpose (11 activities)
- Het verrichten van alle handelingen als makelaar en expert-adviseur in onroerende goederen, immateriële waarden en rechten zoals licentierechten en brevetrechten
- Het optreden als verkavelaar, beheerder van onroerende goederen, syndicus van mede-eigendommen, rent-meester, bouwpromotor en bouwheer
- Het bouwen, verbouwen, opschikken, restaureren, uitrusten, valoriseren en afbreken van alle onroerende goederen
- Het aan en verkopen, huren en verhuren van onroerende goederen, al dan niet bemeubeld alsook van bijhorende roerende goederen, met inbegrip van het aangaan in gelijk welke hoedanigheid van erfpacht-, opstal- en onroerende leasingcontracten
- Het geven adviezen, het verlenen van alle financieel, fiscaal, sociaal en rechtskundig gebied
- Alle agentuurverrichtingen inzake verzekeringen, financieringen, leningen en geldplaatsingen
- De uitoefening van de activiteit van agent of tussenpersoon inzake financiële en kredietverrichtingen
- Alle activiteiten in verband met hypothecaire en onderhandse leningen, in verband met verzekeringen, in het verband met het beheer van kapitalen in de ruimste zin van het woord, en adviesverlening; fiscale raadgevingen; ondernemingen in verkopen en kopen van onroerende goederen
- Alle verrichtingen van aankoop, verkoop, exploitatie, valorisatie, verkaveling, expertise, urbanisatie, beheer, beheer, verhuur, ruiling en verdeling, hypothekeren, in pand geven en andere verrichtingen van alle roerende en onroerende goederen, het optreden als bouwpromotor, alsook projectontwikkeling en projectontwikkeling en projectstudie, algemene coördinatie en begeleiding
- Het uitvoeren van alle wegenis-rioleringswerken, bouw- en verbouwingswerken, herstel- onderhouds- en afbraakwerken, hetzij om de werken met eigen middelen of door tussenkomst van derden uit te voeren
- Onderneming voor het beheer van beleggingen en vermogen omvattend: beheer van roerende en onroerende goederen ide een ander toebehoren. Het verlenen van volgende diensten aan bedrijven, fysische en rechtpersonen, de diensten van een boekhoudbureau, de diensten van tussenhandelaar in lichamelijke en onlichamelijke roerende en onroerende goederen, de diensten van informatiekantoor, de diensten van studie-, organisatie en raadgevend bureau inzake financiele, handels- fiscale of sociale aangelegenheden. Holdingsmaatschappij
Legal form clause
TRIUMFINANCE
Board rule
Meest uitgebreide macht om alle handelingen te verrichten die nodig of dienstig zijn voor het bereiken van het voorwerp, bestuursbevoegdheid
Het bestuursorgaan, evenals de gevolmachtigden voor het dagelijks bestuur binnen het kader van dit bestuur, mogen eveneens specifieke bevoegdheden aan één of me…
Collegiaal bestuursorgaan, raad van bestuur, natuurlijke of rechtspersonen, al dan niet aandeelhouders
De raad van bestuur kan onder zijn leden een voorzitter benoemen. Bij ontstentenis van benoeming of bij afwezigheid van de voorzitter wordt het voorzitterschap…
Meeting access
Toelating tot de vergadering, op de zetel of bij de instellingen die in de bijeenroepingsberichten worden vermeld
Proxy rule
De volmachten dienen een handtekening te dragen, vertegenwoordiging
Voting rule
Stemrecht, het formulier wordt verzonden aan de vennootschap en moet ten laatste één werkdag vóór de vergadering op de zetel toekomen
Profit allocation
Op voorstel van het bestuursorgaan beslist de algemene vergadering over de bestemming van het saldo van de nettowinst
Dissolution rule
Artikel 27. ONTBINDING EN VEREFFENING
Liquidation rule
De aandeelhouders verdelen het liquidatiesaldo met inachtname van het gelijkheidsbeginsel, De algemene vergadering kan evenwel te allen tijde deze bevoegdheden…
Registered office clause
Brussels Gewest, bij beslissing van het bestuursorgaan
Other provisions
Interimdividenden, Het bestuursorgaan is bevoegd om interimdividenden uit te keren
Structure & network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, scroll to zoom.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 780 EUR awarded · 780 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 780 EUR | 780 EUR |
Similar companies · same sector, comparable size
OniVa+
BE 0661.831.790
Zonhoven · Eq €825,313
PIERSON C'EST BON
BE 0421.313.659
Ottignies-Louvain-la-Neuve · Eq €825,133
VG ASSUFINANCES
BE 0467.167.242
Fleurus · Eq €826,724
MDNGROUP
BE 0827.714.163
Mons · Eq €827,732
ASSURANCES ZIMMER
BE 0808.657.029
La Louvière · Eq €821,734
Of 4,674 companies in sector 66220 we hold annual accounts for 3,222. 2,310 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded08-03-1989
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0436937884
Also
9925:BE0436937884
Registered
23-10-2025
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.