DeltaFin
ActiveDeltaFin has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.14M and a net result of €343k. Equity is growing by ~7.9% per year across the filed fiscal years. Its solvency ranks better than 75% of 3163 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability99▲+27
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €95k at 30 days acceptable
Liquidity ample (current ratio 3.28 against 3.95 in 2024; short-term debt: 19.7% and cash: 1% of total assets), and 19.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 70
Relative position
BE, all sectors
reference
Sector 70
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
80.3%
Return on assets
24.2%
Age of the figures
15 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 30-06-2025 was due by 31-01-2026 and was filed on 12-01-2026, 19 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
19 d early
2024
39 d early
2023
41 d early
2022
71 d early
2021
47 d early
2020
24 d early
2019
22 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€343k▲ 1,389%
2024 · €23k
2019: €22k
2020: €62k
2021: €220k
2022: €279k
2023: €12k
2024: €23k
2019 → 2025
Working capital
€635k▲ 71.1%
2024 · €371k
2019: €319k
2020: €341k
2021: €365k
2022: €546k
2023: €551k
2024: €371k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€829k-€1.08M▲ 30.1%€1.05M▼ 2.7%€877k▼ 16.4%€1.14M▲ 29.6%
Operating result€355k-€408k▲ 15.0%€27k▼ 93.4%€28k▲ 2.9%€492k▲ 1,674%
Net result€220k-€279k▲ 26.8%€12k▼ 95.8%€23k▲ 94.6%€343k▲ 1,389%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 1,674% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.42M
Fixed assets
€501k▼ 0.9%
Current assets
€914k▲ 83.7%
Equity and liabilities €1.42M
Equity
€1.14M▲ 29.6%
Debt
€278k▲ 121%
The debt ratio rises from 12.5% to 19.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€541k▲
2024 · €96k
Cash flow
€392k▲
2024 · €92k
Solvency
80.3%▼
2024 · 87.5%
Current ratio
3.28▼
2024 · 3.95
Quick ratio
3.28▼
2024 · 3.95
Debt / equity
0.24▲
2024 · 0.14
ROE
30.2%▲
2024 · 2.6%
ROA
24.2%▲
2024 · 2.3%
Interest coverage
998.64▲
2024 · 186.26
Debt
€278k▲
2024 · €126k
Debt ≤ 1 year
€278k▲
2024 · €126k
Income taxes
€155k▲
2024 · €12k
Staff costs
€0▼
2024 · €52k
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€1.00M€1.42M▲
Fixed assets21/28€506k€501k▼
Tangible fixed assets22/27€506k€457k▼
Land and buildings22€86k€81k▼
Plant, machinery and equipment23€36k€32k▼
Furniture and vehicles24€59k€45k▼
Other tangible fixed assets26€325k€299k▼
Financial fixed assets28€300€45k▲
Current assets29/58€497k€914k▲
Amounts receivable after more than one year29€51k€53k▲
Other amounts receivable291€51k€53k▲
Amounts receivable within one year40/41€95k€188k▲
Trade receivables40€0€188k▲
Other amounts receivable41€95k€850▼
Current investments50/53€300k€656k▲
Cash at bank and in hand54/58€43k€14k▼
Deferred charges and accrued income490/1€9k€3k▼
Equity and liabilities
Total equity and liabilities10/49€1.00M€1.42M▲
Equity10/15€877k€1.14M▲
Contributions10/11€200k€200k=
Reserves13€677k€937k▲
Non-distributable reserves130/1€20k€20k=
Reserves not available under the articles1311€20k€20k=
Distributable reserves133€657k€917k▲
Profit (loss) carried forward14€0€0=
Provisions and deferred taxes16€0-
Provisions for liabilities and charges160/5€0-
Other liabilities and charges164/5€0-
Amounts payable17/49€126k€278k▲
Amounts payable within one year42/48€126k€278k▲
Trade debts44€18k€3k▼
Suppliers440/4€18k€3k▼
Taxes, remuneration and social security45€2k€49k▲
Taxes450/3€2k€49k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€106k€226k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Remuneration, social security and pensions62€52k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€69k€49k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€5k€7k▲
Gross operating margin9900€153k€549k▲
Operating profit (loss)9901€28k€492k▲
Financial income75/76B€8k€6k▼
Recurring financial income75€8k€6k▼
Financial charges65/66B€518€542▲
Recurring financial charges65€518€542▲
Profit (loss) for the period before taxes9903€35k€498k▲
Income taxes67/77€12k€155k▲
Profit (loss) for the period9904€23k€343k▲
Profit (loss) for the period to be appropriated9905€23k€343k▲
Appropriation of the result
Profit (loss) to be appropriated9906€23k€343k▲
Transfer from equity791/2€106k€84k▼
Transfer to equity691/2€23k€343k▲
To other reserves6921€23k€343k▲
Profit to be distributed694/7€106k€84k▼
Return on contributions (dividend)694€106k€84k▼
The notes to these accounts (11 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
12-01
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-06
Financial
Highest result since 2019net €343k ▲1389%
Operating result €492k, net result €343k, both a record.
30-06
Financial
Equity above €1MEq €1.14M ▲29.6%
7 profitable years in a row build equity to €1.14M.
2024
23-12
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2023
21-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Weakest financial yearnet €12k ▼95.8%
Net result drops to €12k, the lowest in the series; recovery starts the following year.
2022
21-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Liquidity doublescurrent ratio 5.89
Current ratio from 2.66 to 5.89; short-term debt falls from €220k to €112k.
30-06
Financial
Equity above €1MEq €1.08M ▲30.1%
4 profitable years in a row build equity to €1.08M.
2021
15-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
07-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
09-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
04-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
02-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Tournai · 1 establishment unit since 2008
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.
Rue Beyaert(TOU) 757500 TournaiGround area
167 m²
Building footprint
126 m²
Volume, LiDAR
1,596 m³
Parcel 57462D0118/00L009, Wallonia · tallest building 13.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
DeltaFin
since 20082.167.918.821
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57462D0118/00L009 | Wallonia | 167 m² | 1 · 126 m² | 13.8 m · 4 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.
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Of 82,546 companies in sector 70200 we hold annual accounts for 52,574. 26,409 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-01-2008
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
68121Development of residential building projects
68122Development of non-residential building projects
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.