Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
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Tight liquidity NBB
Cash and receivables cover 25 % of short-term debt in 2024; threshold 65 %.
Financials
Financial year 2024
ASTUCE CREDIT srl from Modave, company number BE0871666249, closed financial year 2024 with a result of € 60,096 after tax. For that financial year ASTUCE CREDIT srl recorded a gross margin of € 66,396 and equity of € -55,272. Compared with financial year 2023, the result moved from € 45,578 to € 60,096. Profitable, and profit is growing. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on January 23, 2026.
€ -55,272
▲ € 60,096 vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 60,096
▲ 32% vs 2023
Profit after tax over the fiscal year.
€ 6,727
▲ € 5,734 vs 2023
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2024. Retained profit grew to € -73,872.
People and assets in 2024
€ 66
▼ 99% vs 2023
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 6,575
▲ 143% vs 2023
Book value of vehicles, furniture and equipment.
Debts at end 2024
€ 107,734
▲ 49% vs 2023
€ 38,469 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 73,572
▼ 8% vs 2023
Supplier invoices still open on the last day of the fiscal year.
€ 34,057
▲ 192% vs 2023
Taxes, VAT and social contributions still to pay.
| 2021 | 2022 | 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|---|---|
| Gross margin | € 83,279 | € 40,234 | € 73,913 | € 66,396 | ▼ 10% |
| Profit after taxes | € -2,205 | € -4,666 | € 45,578 | € 60,096 | ▲ 32% |
| Equity | € -156,280 | € -160,946 | € -115,368 | € -55,272 | ▲ € 60,096 |
| Total debts | € 292,029 | € 304,543 | € 206,207 | € 229,797 | ▲ 11% |
| Cash | € 5,071 | € 1,762 | € 993 | € 6,727 | ▲ € 5,734 |
| Retained profit | € -174,880 | € -179,546 | € -133,968 | € -73,872 | ▲ € 60,096 |
| Bank debt | € 125,455 | € 88,583 | € 72,470 | € 107,734 | ▲ 49% |
| Balance sheet total | € 135,749 | € 143,598 | € 90,839 | € 174,524 | ▲ 92% |
Key figures of ASTUCE CREDIT srl, fiscal years 2021 to 2024, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2025 has not been filed yet; it was expected before 31 July 2026.
What happened to ASTUCE CREDIT srl?
What happened at ASTUCE CREDIT srl in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2024: profit of € 60,096 (▲ 32% vs 2023). filed late Source: NBB ↗
- Start of the company according to the CBE. KBO
- New establishment in Modave. KBO
In short
From € 2,205 loss in 2021 to € 60,096 profit in 2024.
Paid € 1,000 in corporate taxes since 2021.
Best year ever: 2024, with € 60,096 profit.
Establishments
Establishment units
Physical locations of this company
Rue Surfosse 2
4577 Modave
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0871.666.249
- VAT number
- BE 0871.666.249
- Registered office
- Rue Surfosse 2, 4577 Modave
- Names & denominations
- ASTUCE CREDIT srl
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 3 February 2005
- Peppol
- Active · Active since 13 May 2025
- Contact
- [email protected]
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars