Financial analysis PDF report and micro/SME classification

In brief

Company Belgium now lets you export a full financial analysis PDF report in one click, powered by the NBB's Central Balance Sheet Office: commented ratios, inline SVG charts and a micro/small/medium/large size badge under article 1:24 CSA. The same data is also available via the REST API for integration into your stack.

From an interactive tab to a portable document

We recently announced the arrival of multi-year financial analysis on Company Belgium company pages, powered by the NBB's Central Balance Sheet Office. One question kept coming back: "How do I share this analysis with my credit committee, my client, my auditor?"

Two deliveries answer it: the downloadable PDF report and the company-size badge under article 1:24 of the Code of Companies and Associations (CSA).

The PDF report

One click from the company page and you download a ~10-page PDF aggregating:

• Administrative identity — BCE number, name, registered office address, legal form, creation date.

• Financial summary — revenue, net result, equity, headcount over the last three financial years.

• Commented key ratios — liquidity, solvency, profitability, debt structure.

• Trend charts — rendered inline as SVG, with no client-side JavaScript dependency, so printable without artefacts.

• Size classification — automatic micro / small / medium / large.

• Traceability mentions — NBB source, extraction date, report timestamp.

The PDF is the document you send to your credit committee, attach to a partnership file, or drop into an audit folder.

Micro / small / medium / large classification

Article 1:24 CSA distinguishes four company sizes on three criteria:

• Total balance sheet.

• Revenue excl. VAT.

• Annual average headcount.

A company falls into a category when it exceeds at least two of the three thresholds over two consecutive financial years. Our engine applies the rule automatically and displays the category via a badge on the company page.

The information is valuable:

• It drives accounting obligations (abridged, full, consolidated schema) — see our guide on accounting obligations for Belgian companies.

• It shapes commercial strategy (you don't approach an SME like a large account) — useful for your CRM pipeline with BCE data.

• It is required for certain regional aid schemes, subsidies, SME-reserved public tenders.

On the API side

The same data is available via the API for integration into your stack:

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# Fetch the financial analysis as JSON
curl https://companybelgium.be/api/v2/companies/0200065765/financial-analysis \
  -H "X-API-Key: pk_live_..." \
  -H "X-API-Secret: sk_live_..."

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# Download the PDF report directly
curl -L https://companybelgium.be/api/v2/companies/0200065765/financial-analysis.pdf \
  -H "X-API-Key: pk_live_..." \
  -H "X-API-Secret: sk_live_..." \
  -o report.pdf

Known limits

Filed accounts reflect the company at the closing date — not in real time. For volatile sectors (retail, construction), complement with:

• our payment risk score (dedicated endpoint);

• BCE monitoring alerts (status change, insolvency procedures, director changes).

Who is it for?

Accountants and bookkeeping firms onboarding a new file; banks and credit institutions pre-scoring a file; B2B buyers avoiding surprises on a strategic supplier — complement with automated KYC verification; due diligence firms saving time on raw collection — also see Belgian company statistics 2026.