Financial service activities, except insurance and pension funding
No bankruptcy in the past five years.
Filed accounts
NACE 64910 · financial year 2025 · 134 filed annual accounts| Per financial year | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| Median solvency | 41.5% | 45.8% | 46.0% | 46.6% | 41.4% | 49.7% |
| Median net result | €55,525 | €76,476 | €102,298 | €93,451 | €47,566 | €73,409 |
Hold your customer's or competitor's figures against them in the Sector benchmark
Spread across the country
by region and province · 162 of 181 enterprises with a registered office on file · a sole trader has no published seat- Flanders
- Brussels
- Wallonia
- Abroad
The balance sheets of division 64 on the map, by municipality and down to the address
Largest employers
NACE 64910 as first main activity · staff from the latest accounts- 1 BMW FINANCIAL SERVICES BELGIUM S.A. - N.V.Bornem 258 FTEfinancial year 2025
- 2 ING LEASE BELGIUMBrussels 141 FTEfinancial year 2025
- 3 KBC AutoleaseLeuven 138 FTEfinancial year 2025
- 4 BNP Paribas Lease GroupBrussels 128 FTEfinancial year 2025
- 5 ATHLON CAR LEASE BELGIUMMachelen (Brab.) 126 FTEfinancial year 2025
Joint committees
from the latest accounts of 45 companies- 200 Auxiliary committee for white-collar workers 32
- 112 Garages 7
- 100 Auxiliary committee for blue-collar workers 6
- 126 Furnishing and woodworking 2
- 307 Insurance brokers and agencies 2
- 310 Banks 2
- 323 Building management, estate agents and domestic staff 2
- 116 Chemical industry 1
Show the 7 others
- 201 Independent retail 1
- 207 White-collar workers in the chemical industry 1
- 216 Notaries' employees 1
- 226 White-collar workers in international trade, transport and logistics 1
- 302 Hotels and catering 1
- 329.01 Socio-cultural sector 1
- 341 Intermediation in banking and investment services 1
Source: the annual accounts at the National Bank. One filing can name more than one committee.
Division 64: Financial services
Related activities
7 other activities| Activity | Registrations | Starters, 12 months | Bankruptcies, 12 months | FTE |
|---|---|---|---|---|
| Other financial services64999 | 791 | 48 | 2 | 7,962 |
| Financial service activities, except insurance and pension funding64922 | 91 | 3 | 0 | 730 |
| Financial service activities, except insurance and pension funding64921 | 59 | 1 | 0 | 1,151 |
| Financial service activities, except insurance and pension funding64929 | 52 | 1 | 0 | 107 |
| Financial service activities, except insurance and pension funding64991 | 30 | 0 | 0 | - |
| Financial service activities, except insurance and pension funding64923 | 28 | 1 | 0 | 268 |
Show all 7 activities
| Activity | Registrations | Starters, 12 months | Bankruptcies, 12 months | FTE |
|---|---|---|---|---|
| Financial service activities, except insurance and pension funding64924 | 2 | 1 | 0 | - |
Bankruptcies per year in division 64
| Per year | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Bankruptcies | 35 | 24 | 16 | 15 | 10 | 11 | 10 | 18 | 9 | 8 | 15 | 16 |
| Jobs lost | 88 | 198 | 18 | 16 | 12 | 16 | 12 | 59 | 13 | 10 | 15 | 20 |
2026 through September. Every bankruptcy, also of companies that have since left the register. Source: Statbel (Directorate-General Statistics), NACE classification of 2008.
Staff cost per FTE in NACE division 64
1,865 employers| Size | Median | Middle half | Employers |
|---|---|---|---|
| fewer than 10 FTE | €77,800 | €59,300 to €99,700 | 1,488 |
| 10 to 49 FTE | €93,300 | €75,500 to €119,600 | 293 |
| 50 to 249 FTE | €98,300 | €79,800 to €133,700 | 73 |
Employers with the highest staff cost per FTE in this division All sectors by staff cost In the Analysis workbench
Running bankruptcies in the sector
NACE division 64Measured nationally: Of 108,606 bankruptcies of legal entities across Belgium, 49% were closed within five years for insufficient assets and 29% after liquidation, 3% were withdrawn. After five years, 20% were still open. Half had ended after 26 months (a quarter after 15, three quarters after 51 months).
This counts companies with this main activity in the register on 5 November 2026. The outcome itself is not measured by sector. The activity of a company that leaves the register after its bankruptcy is too often not kept to compare closed cases fairly.
209 of the 24,569 companies in NACE division 64 have a parent company abroad. Main parent countries: France (63), Netherlands (44) and Luxembourg (30). Together they employ 4,238 of the division's 30,677 FTE: 14%, against 14% for Belgium as a whole.
Subsidies in this sector
per register · legal entities with an enterprise number- Flemish subsidies €177.1m awarded
- Federal transfers 96.0m amount as published
- Wallonia-Brussels Federation €649,932 paid
- EU budget €544.9m attributed share
- EU research €23.2m EU contribution
Insights on Financial service activities, except insurance and pension funding
Balance sheet and result. The median net result of €73,409 is above Belgium's €16,539. Return on equity of 5.1% is below Belgium's 15.9%. 6.2% of the annual accounts show negative equity, against 12.4% in Belgium.
Inflow and structure. Half of the companies are younger than 35.6 years, against 8.1 years in Belgium. 10.5% of the companies are sole traders, against 41.6% in Belgium. Brussels holds 14.6% of the seats, against 12.5% in Belgium.
Staff and filing. 24.5% of the financial year 2024 accounts were filed late, against 38.4% in Belgium. The 5 largest employers hold 791 of the 1,349 FTE: 58.6%.
Direction. Median solvency rose from 41.5% in financial year 2020 to 49.7% in financial year 2025. The median net result rose from €55,525 in financial year 2020 to €73,409 in financial year 2025.
The comparison with Belgium as a whole and with the other divisions is as of 05-11-2026 05:30.
Method and sources
Every company registered today counts under its main activities in the KBO. Establishment units do not count. Staff counts once, under the employer's first main activity, from its latest accounts and only where it fits the staff costs. The count follows the NACE 2025 classification, the version in which code 64910 exists.
The bankruptcies over five years count only companies still registered today, because the activity of a company that left the register is not kept. So they are fewer than the bankruptcies of those years, and the figure is not a probability for the future. Over twelve months the count is nearly complete, because a bankrupt company stays registered while its bankruptcy runs. A company with more than one main activity counts in each of those sectors.
The comparison with Belgium as a whole and with the other NACE divisions rests on an overview of every division, counted again each night. Each division is counted in the version of the NACE classification in which it exists. A standing such as "more than in 80%" compares with the other divisions that have the figure. A division's bankruptcy probability is the median over its companies with a score. Belgium here counts the 1,275,887 companies with a main activity, because only those belong to a division. The other 699,448 registrations publish no activity.
Each median is the value of the middle company, computed over the annual accounts of financial year 2025, and is shown only from 30 accounts. A share (loss-making, negative equity) counts that year's accounts with that trait. Accounts are late when they are filed after the statutory deadline. The direction per financial year follows the companies still registered today.