FIENCO
ActiveFIENCO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €239k and a net result of €166k. Equity is growing by ~21.9% per year across the filed fiscal years. Its solvency ranks better than 39% of 1455 sector peers (fiscal year 2025). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
22 d early
2023
21 d early
2022
25 d late
2021
46 d late
2020
28 d late
2019
27 d late
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€239k▲ 9.5%
2024 · €218k
2018: €30k
2019: €51k
2020: €126k
2021: €127k
2022: €152k
2023: €191k
2024: €218k
2018 → 2025
Net result
€166k▲ 81.3%
2024 · €91k
2018: €-5k
2019: €21k
2020: €58k
2021: €127k
2022: €160k
2023: €189k
2024: €91k
2018 → 2025
Total assets
€840k▲ 148%
2024 · €339k
2018: €136k
2019: €123k
2020: €246k
2021: €337k
2022: €348k
2023: €410k
2024: €339k
2018 → 2025
Solvency
28.4%▼ 36.0pp
2024 · 64.4%
2018: 21.7%
2019: 41.4%
2020: 51.3%
2021: 37.6%
2022: 43.6%
2023: 46.5%
2024: 64.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€127k-€152k▲ 19.7%€191k▲ 25.7%€218k▲ 14.5%€239k▲ 9.5%
Operating result€132k-€172k▲ 30.6%€207k▲ 20.0%€98k▼ 52.4%€188k▲ 91.2%
Net result€127k-€160k▲ 26.4%€189k▲ 18.2%€91k▼ 51.7%€166k▲ 81.3%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 91% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €840k
Fixed assets
€573k▲ 273%
Current assets
€267k▲ 45.0%
Equity and liabilities €840k
Equity
€239k▲ 9.5%
Debt
€601k▲ 399%
The debt ratio rises from 35.6% to 71.6%: debt grows faster than equity.
Key figures and ratios
Solvency
28.4%▼
2024 · 64.4%
ROE
69.4%▲
2024 · 41.9%
ROA
19.7%▼
2024 · 27.0%
Debt
€601k▲
2024 · €120k
Debt ≤ 1 year
€289k▲
2024 · €112k
Debt > 1 year
€312k▲
2024 · €8k
Income taxes
€12k▲
2024 · €11k
Staff costs
€247k▲
2024 · €169k
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€339k€840k▲
Formation expenses20€751-
Fixed assets21/28€154k€573k▲
Intangible fixed assets21€23k€447k▲
Tangible fixed assets22/27€131k€126k▼
Land and buildings22€100k€84k▼
Furniture and vehicles24€31k€42k▲
Current assets29/58€184k€267k▲
Amounts receivable within one year40/41€67k€97k▲
Trade receivables40€60k€96k▲
Other amounts receivable41€6k€943▼
Cash at bank and in hand54/58€114k€165k▲
Deferred charges and accrued income490/1€3k€5k▲
Equity and liabilities
Total equity and liabilities10/49€339k€840k▲
Equity10/15€218k€239k▲
Contributions10/11€59k€59k=
Reserves13€160k€180k▲
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Tax-exempt reserves132€311€311=
Distributable reserves133€155k€176k▲
Amounts payable17/49€120k€601k▲
Amounts payable after more than one year17€8k€312k▲
Financial debts170/4€8k€312k▲
Amounts payable within one year42/48€112k€289k▲
Current portion of amounts payable after more than one year42€8k€45k▲
Financial debts43€4k€4k▼
Credit institutions430/8€4k€4k▼
Trade debts44€1k€47k▲
Suppliers440/4€1k€47k▲
Bills of exchange payable441€31€31=
Advances received on contracts in progress46€16k€19k▲
Taxes, remuneration and social security45€19k€29k▲
Taxes450/3-€31
Remuneration and social security454/9€19k€29k▲
Other amounts payable47/48€64k€145k▲
Accrued charges and deferred income492/3€651-
Income statement
Code20242025
Remuneration, social security and pensions62€169k€247k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€29k▲
Other operating charges640/8€3k€4k▲
Non-recurring operating charges66A€140-
Gross operating margin9900€295k€468k▲
Operating profit (loss)9901€98k€188k▲
Financial income75/76B€6k€602▼
Recurring financial income75€6k€602▼
Financial charges65/66B€2k€11k▲
Recurring financial charges65€2k€11k▲
Profit (loss) for the period before taxes9903€103k€178k▲
Income taxes67/77€11k€12k▲
Profit (loss) for the period9904€91k€166k▲
Profit (loss) for the period to be appropriated9905€91k€166k▲
Appropriation of the result
Profit (loss) to be appropriated9906€91k€166k▲
Transfer to equity691/2€28k€21k▼
To other reserves6921€28k€21k▼
Profit to be distributed694/7€64k€145k▲
Directors or managers695€60k€140k▲
Employees696€4k€5k▲
Social balance
Average headcount (FTE)90872.43.5▲
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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €200kEq €218k ▲14.5%
6 profitable years in a row build equity to €218k.
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €189k ▲18.2%
Operating result €207k, net result €189k, both a record.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 25 days late
2022
31-12
Financial
Equity above €150kEq €152k ▲19.7%
4 profitable years in a row build equity to €152k.
15-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 46 days late
2021
28-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 28 days late
2020
31-12
Financial
Equity above €100kEq €126k ▲148%
2 profitable years in a row build equity to €126k.
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
31-12
Financial
Back to profitnet €21k
Net result €21k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 1.77
Current ratio from 0.77 to 1.77; short-term debt falls from €39k to €21k.
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
03-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, De Haan · 3 establishment units since 2006
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.
Vosseslag 1238420 De HaanGround area
2,332 m²
Building footprint
335 m²
Volume, LiDAR
1,718 m³
3 parcels, Flanders · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.
3 establishment units
Fienco
since 20062.157.344.831
Fienco
since 20202.302.278.172
Fienco
since 20252.373.120.539
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35007A0980/00N002 | Flanders | 1,981 m² | 1 · 95 m² | 10.1 m · 3 fl. |
| 31034C0262/00F009 | Flanders | 208 m² | 1 · 125 m² | 9.8 m · 2 fl. |
| 35002B0739/00S000 | Flanders | 144 m² | 1 · 115 m² | 6.5 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 4,663 companies in sector 66220 we hold annual accounts for 3,214. 2,780 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-10-2006
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.