FÉDÉRATION EUROPÉENNE DES EPARGNANTS ET USAGERS DES SERVICES FINANCIERS
ActiveFÉDÉRATION EUROPÉENNE DES EPARGNANTS ET USAGERS DES SERVICES FINANCIERS has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €442k and a net result of €34k. Equity is growing by ~6.1% per year across the filed fiscal years. Its solvency ranks better than 54% of 494 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
94
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability38▲+18
Solvency100▲+4
Growth78=
Stability100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 3.08 against 4.11 in 2024), and 33.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 94
Relative position
BE, all sectors
reference
Sector 94
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
66.8%
Return on assets
5.1%
Age of the figures
8 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 01-07-2026, 30 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
30 d early
2024
44 d early
2023
29 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€34k▲ 110%
2024 · €16k
2023: €-6k
2024: €16k
2023 → 2025
Working capital
€445k▼ 22.7%
2024 · €575k
2023: €596k
2024: €575k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€392k-€408k▲ 4.1%€442k▲ 8.3%
Operating result€16k-€10k▼ 35.4%€32k▲ 218%
Net result€-6k-€16k€34k▲ 110%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 218% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €661k
Fixed assets
€2k▼ 40.2%
Current assets
€659k▼ 13.3%
Equity and liabilities €661k
Equity
€442k▲ 8.3%
Debt
€219k▼ 38.3%
The debt ratio falls from 46.6% to 33.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€34k▲
2024 · €11k
Cash flow
€35k▲
2024 · €17k
Solvency
66.8%▲
2024 · 53.4%
Current ratio
3.08▼
2024 · 4.11
Quick ratio
3.08▼
2024 · 4.11
Debt / equity
0.50▼
2024 · 0.87
ROE
7.7%▲
2024 · 4.0%
ROA
5.1%▲
2024 · 2.1%
Interest coverage
53.22▲
2024 · 3.52
Debt
€219k▼
2024 · €355k
Debt ≤ 1 year
€214k▲
2024 · €185k
Staff costs
€940k▲
2024 · €831k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€763k€661k▼
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€3k€1k▼
Furniture and vehicles24€3k€1k▼
Financial fixed assets28€610€610=
Current assets29/58€760k€659k▼
Amounts receivable within one year40/41€250k€261k▲
Trade receivables40€74k€11k▼
Other amounts receivable41€176k€249k▲
Current investments50/53-€396k
Cash at bank and in hand54/58€508k-
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€763k€661k▼
Equity10/15€408k€442k▲
Contributions10/11€37k€37k=
Capital10€37k€37k=
Profit (loss) carried forward14€371k€405k▲
Amounts payable17/49€355k€219k▼
Amounts payable within one year42/48€185k€214k▲
Trade debts44€50k€72k▲
Suppliers440/4€50k€72k▲
Taxes, remuneration and social security45€135k€142k▲
Taxes450/3€28k€27k▼
Remuneration and social security454/9€107k€115k▲
Accrued charges and deferred income492/3€171k€5k▼
Income statement
Code20242025
Remuneration, social security and pensions62€831k€940k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k=
Other operating charges640/8€4k€5k▲
Gross operating margin9900€846k€979k▲
Operating profit (loss)9901€10k€32k▲
Financial income75/76B€9k€2k▼
Recurring financial income75€9k€2k▼
Financial charges65/66B€3k€630▼
Recurring financial charges65€3k€630▼
Non-recurring financial charges66B€0-
Profit (loss) for the period before taxes9903€16k€34k▲
Profit (loss) for the period9904€16k€34k▲
Profit (loss) for the period to be appropriated9905€16k€34k▲
Appropriation of the result
Profit (loss) to be appropriated9906€371k€405k▲
Profit (loss) brought forward from the previous period14P€355k€371k▲
Social balance
Average headcount (FTE)90879.110.4▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Highest result since 2023net €34k ▲110%
Operating result €32k, net result €34k, both a record.
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2011
17-08
State Gazette act
General meeting · Statutes amendment
Director resignation · Director appointment
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
20 directors, no change since 2025
Anne Gaignard Sirodot
CurrentDirector · since 24-09-2025
Ben Maria P Granjé
CurrentDirector · since 24-09-2025
Guillaume Philippe E Prache
CurrentDirector · since 24-09-2025
Jaroslaw Pawel Dominiak
CurrentDirector · since 24-09-2025
Jose Carlos Gomez Fernandez
CurrentDirector · since 24-09-2025
Jose Francisco Estevez Rodriguez
CurrentDirector · since 24-09-2025
+ 7 not shown in this overview
24-09-2025
Anne Gaignard Sirodot: Appointed as Director
24-09-2025
Ben Maria P Granjé: Appointed as Director
24-09-2025
Guillaume Philippe E Prache: Appointed as Director
24-09-2025
Jaroslaw Pawel Dominiak: Appointed as Director
24-09-2025
Jose Carlos Gomez Fernandez: Appointed as Director
24-09-2025
Jose Francisco Estevez Rodriguez: Appointed as Director
24-09-2025
Christian Gülich: Resigned as Director
24-09-2025
Jean Gabriel Alain Berthon: Resigned as Director
24-09-2025
Kristjan Verbic: Resigned as Director
24-09-2025
loannis Kyriakopoulos: Resigned as Director
24-09-2025
Maria Begoña Fernandez Planelles: Resigned as Director
24-09-2025
Niels Viggo Mengel: Resigned as Director
10-02-2023
Alin Eugen lacob: Appointed as Director
10-02-2023
Florian Beckermann: Appointed as Director
10-02-2023
Helen Jane Gibbons: Appointed as Director
10-02-2023
Jella Susanne Brenner-Heinacher: Appointed as Director
10-02-2023
Kristjan Verbič: Appointed as Director
10-02-2023
Maria Begona Fernandez Planelles: Appointed as Director
10-02-2023
Sverre Knot Folke Royen Linton: Appointed as Director
10-02-2023
Christian Gülich: Appointed as Vice président
10-02-2023
Jean Gabriel Alain Berthon: Appointed as Vice président
10-02-2023
loannis Kyriakopoulos: Appointed as Director
10-02-2023
Niels Viggo Mengel: Appointed as Director
10-02-2023
Axel Heinz, Kleinlein: Resigned as Director
Location & real-estate footprint
Registered office, Brussel · 1 establishment unit since 2013
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Arenbergstraat 441000 BrusselGround area
438 m²
Building footprint
213 m²
Volume, LiDAR
4,738 m³
Parcel 21802B1059/00F000, Brussels · tallest building 25.4 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
FÉDÉRATION EUROPÉENNE DES USAGERS DES SERVICES FINANCIERS
since 20132.215.197.116
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21802B1059/00F000 | Brussels | 438 m² | 1 · 213 m² | 25.4 m · 8 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Ownership & control
1 partyFÉDÉRATION EUROPÉENNE DES EPARGNANTS ET USAGERS DES SERVICES FINANCIERSBE 0818.951.402
controls
Where this company holds controlthis company sits on their board1
1 location
Similar companies · same sector, comparable size
Vlaams -Nederlands huis deBuren
BE 0866.011.149
Brussel · Eq €440k
KAVKA vzw
BE 0866.254.540
Antwerpen · Eq €439k
MUSICA
BE 0418.205.602
Pelt · Eq €445k
RESCALED
BE 0773.345.762
Elsene · Eq €446k
Vlaamse Kickboks en Muaythai Organisatie
BE 0431.878.543
Antwerpen · Eq €435k
Of 3,124 companies in sector 94999 we hold annual accounts for 705. 533 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded22-09-2009
Fiscal year end31-12
Legal name EN
THE EUROPEAN FEDERATION OF INVESTORS AND FINANCIAL SERVICES USERS
Abbreviation EN
BETTER FINANCE
Abbreviation FR
BETTER FINANCE
Activities, NACEBEL
94999Other membership organisations
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:finance@betterfinance.eu
E-mail:info@betterfinance.eu