Summary
FINACKET 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 €43,640 and a net result of -€48,327. Equity is growing by about 8.9% per year across the filed financial years. Its solvency ranks better than 14% of 2,983 sector peers (NACE 66, financial year 2025). The company has been active since 2019 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Other activities auxiliary to financial services, excluding insurance and pension funding
NACE 66199
2 sites
Size
€719,800total assets 2025
- Staff
- 2.7 FTE
- Equity
- €43,640
- Loss
- -€48,327
Turnover not published (micro format)
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
Structure
Accounts 45 days early0 of 2 deeds read
Signalsraises riskWeak solvency vs sectorneutralLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Bankruptcy probability, 12 months
This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
Two signals.
raises riskneutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 2983 sector peers (2025).
NBB · sector comparisonPosition among 2983 sector peers
Solvency
better than 14%
← weakest
strongest →
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 16-06-2026, 45 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
45 days early
2024
44 days early
2023
40 days early
2022
49 days early
2021
47 days early
2020
47 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 45 days before the deadline; the sector median (NACE 66) for financial year 2024 is 5 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 16 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
14-10-2026 today31-12-2026 year end31-07-2027 deadline
- Annual accounts filedfinancial year 2025 · micro…
- Weakest financial yearnet -€48,327
- Annual accounts filedfinancial year 2024 · micro…
Financials · financial year 2025, micro format
Equity
€43,640▼ 52.5%
2024 · €91,967
Net result
-€48,327
2024 · €849
Total assets
€719,800▼ 5.9%
2024 · €765,170
Solvency
6.1%▼ 6.0pp
2024 · 12.0%
Trend over the years
2021 to 2025, 5 financial years 2020 to 2025, 6 financial years
The operating result turns negative in 2025: a loss of €22,145 after €23,150 in 2024, the lowest result in the available series.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result-€22,145
2025
Net result-€48,327
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€719,800
2025
Equity€43,640
2025
Debt€676,160
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital-€230,050
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)-6.7%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency6.1%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio0.18
2025
Average staff in full-time equivalents (FTE).
Staff (FTE)2.7
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the financial year before
favourable
unfavourable
Line202020212022202320242025
Operating result€14,757-€44,968▲ 205%€55,416▲ 23.2%€11,691▼ 78.9%€23,150▲ 98.0%-€22,145
Net result€10,183within the sector's middle half-€34,100within the sector's middle half▲ 235%€42,227within the sector's middle half▲ 23.8%€1,608below the sector's middle half▼ 96.2%€849below the sector's middle half▼ 47.2%-€48,327below the sector's middle half
Equity€13,183below the sector's middle half-€47,283within the sector's middle half▲ 259%€89,510within the sector's middle half▲ 89.3%€91,118within the sector's middle half▲ 1.8%€91,967within the sector's middle half▲ 0.9%€43,640within the sector's middle half▼ 52.5%
Total assets€176,237within the sector's middle half-€178,050within the sector's middle half▲ 1.0%€199,972within the sector's middle half▲ 12.3%€565,263within the sector's middle half▲ 183%€765,170above the sector's middle half▲ 35.4%€719,800within the sector's middle half▼ 5.9%
Debt€163,053-€130,767▼ 19.8%€110,463▼ 15.5%€474,145▲ 329%€673,203▲ 42.0%€676,160▲ 0.4%
Working capital-€23,007below the sector's middle half-€9,250within the sector's middle half€46,587within the sector's middle half▲ 404%€29,934within the sector's middle half▼ 35.7%-€188,530below the sector's middle half-€230,050below the sector's middle half▼ 22.0%
Solvency7.5%below the sector's middle half-26.6%within the sector's middle half▲ 19.1pp44.8%within the sector's middle half▲ 18.2pp16.1%below the sector's middle half▼ 28.6pp12.0%below the sector's middle half▼ 4.1pp6.1%below the sector's middle half▼ 6.0pp
Current ratio0.55below the sector's middle half-1.22within the sector's middle half▲ 0.672.03within the sector's middle half▲ 0.811.57within the sector's middle half▼ 0.460.23below the sector's middle half▼ 1.340.18below the sector's middle half▼ 0.05
Return on assets (ROA)5.8%within the sector's middle half-19.2%within the sector's middle half▲ 13.4pp21.1%above the sector's middle half▲ 2.0pp0.3%below the sector's middle half▼ 20.8pp0.1%below the sector's middle half▼ 0.2pp-6.7%below the sector's middle half▼ 6.8pp
Staff (FTE)1.11.3▲ 18.2%1.8▲ 38.5%2.7▲ 50.0%
above
within
below
the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the micro format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €719,800
Fixed assets
€667,618 ▼ 5.8%
Current assets
€52,182 ▼ 7.7%
Equity and liabilities €719,800
Equity
€43,640 ▼ 52.5%
Debt
€676,160 ▲ 0.4%
Debt's share of the balance-sheet total rises from 88.0% to 93.9%. Equity is lower and debt is higher.
Key figures and ratios
ROE
-110.7%▼
2024 · 0.9%
Debt ≤ 1 year
€282,231▲
2024 · €245,070
Debt > 1 year
€393,818▼
2024 · €428,022
Income taxes
€624▼
2024 · €4,781
Staff costs
€168,417▲
2024 · €103,854
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | €23,561 | €64,800 | €103,854 | €168,417 | ▲ 62.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €16,133 | €21,196 | €21,304 | €25,244 | €39,255 | €41,012 | ▲ 4.5% |
| Other operating charges640/8 | - | €1,180 | €1,055 | €51,649 | €8,659 | €2,610 | ▼ 69.9% |
| Gross operating margin9900 | €31,516 | €67,344 | €101,337 | €153,384 | €174,918 | €189,894 | ▲ 8.6% |
| Operating profit (loss)9901 | €14,757 | €44,968 | €55,416 | €11,691 | €23,150 | -€22,145 | - |
| Financial income75/76B | - | - | €7 | €142 | €180 | €4 | ▼ 97.9% |
| Recurring financial income75 | - | - | €7 | €142 | €180 | €4 | ▼ 97.9% |
| Financial charges65/66B | - | €1,200 | €1,075 | €6,991 | €17,699 | €25,561 | ▲ 44.4% |
| Recurring financial charges65 | €1,621 | €1,200 | €1,075 | €6,991 | €17,699 | €25,561 | ▲ 44.4% |
| Profit (loss) for the period before taxes9903 | €13,136 | €43,768 | €54,348 | €4,842 | €5,631 | -€47,702 | - |
| Income taxes67/77 | €2,952 | €9,668 | €12,122 | €3,234 | €4,781 | €624 | ▼ 86.9% |
| Profit (loss) for the period9904 | €10,183 | €34,100 | €42,227 | €1,608 | €849 | -€48,327 | - |
| Profit (loss) for the period to be appropriated9905 | €10,183 | €34,100 | €42,227 | €1,608 | €849 | -€48,327 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|
| Assets | |||||||
| Total assets20/58 | €176,237 | €178,050 | €199,972 | €565,263 | €765,170 | €719,800 | ▼ 5.9% |
| Fixed assets21/28 | €147,739 | €126,542 | €108,196 | €482,952 | €708,630 | €667,618 | ▼ 5.8% |
| Intangible fixed assets21 | €101,871 | €90,671 | €79,471 | €68,271 | €57,071 | €45,871 | ▼ 19.6% |
| Tangible fixed assets22/27 | €45,708 | €35,711 | €28,565 | €414,521 | €651,399 | €621,587 | ▼ 4.6% |
| Land and buildings22 | - | - | - | €396,700 | €611,637 | €597,526 | ▼ 2.3% |
| Plant, machinery and equipment23 | - | - | - | - | €1,740 | €1,323 | ▼ 23.9% |
| Furniture and vehicles24 | - | €32,496 | €25,729 | €15,363 | €35,944 | €21,038 | ▼ 41.5% |
| Other tangible fixed assets26 | - | €3,215 | €2,836 | €2,458 | €2,079 | €1,700 | ▼ 18.2% |
| Financial fixed assets28 | €160 | €160 | €160 | €160 | €160 | €160 | = |
| Current assets29/58 | €28,498 | €51,507 | €91,776 | €82,311 | €56,540 | €52,182 | ▼ 7.7% |
| Amounts receivable within one year40/41 | €16,924 | €13,641 | €22,266 | €32,343 | €48,497 | €44,431 | ▼ 8.4% |
| Trade receivables40 | - | €13,641 | €22,266 | €24,600 | €31,419 | €32,285 | ▲ 2.8% |
| Other amounts receivable41 | - | - | - | €7,742 | €17,079 | €12,146 | ▼ 28.9% |
| Cash at bank and in hand54/58 | €8,394 | €35,163 | €66,610 | €46,320 | €4,943 | €3,401 | ▼ 31.2% |
| Deferred charges and accrued income490/1 | - | €2,704 | €2,900 | €3,648 | €3,099 | €4,350 | ▲ 40.3% |
| Equity and liabilities | |||||||
| Total equity and liabilities10/49 | €176,237 | €178,050 | €199,972 | €565,263 | €765,170 | €719,800 | ▼ 5.9% |
| Equity10/15 | €13,183 | €47,283 | €89,510 | €91,118 | €91,967 | €43,640 | ▼ 52.5% |
| Contributions10/11 | - | €3,000 | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Profit (loss) carried forward14 | €10,183 | €44,283 | €86,510 | €88,118 | €88,967 | €40,640 | ▼ 54.3% |
| Amounts payable17/49 | €163,053 | €130,767 | €110,463 | €474,145 | €673,203 | €676,160 | ▲ 0.4% |
| Amounts payable after more than one year17 | €111,548 | €88,510 | €65,273 | €421,769 | €428,022 | €393,818 | ▼ 8.0% |
| Financial debts170/4 | - | €88,510 | €65,273 | €421,769 | €428,022 | €393,818 | ▼ 8.0% |
| Amounts payable within one year42/48 | €51,505 | €42,257 | €45,189 | €52,377 | €245,070 | €282,231 | ▲ 15.2% |
| Current portion of amounts payable after more than one year42 | - | €23,038 | €29,077 | €41,061 | €43,782 | €34,940 | ▼ 20.2% |
| Financial debts43 | - | - | - | €2,955 | €40,000 | €48,449 | ▲ 21.1% |
| Credit institutions430/8 | - | - | - | €2,955 | €40,000 | €40,127 | ▲ 0.3% |
| Other loans439 | - | - | - | - | - | €8,322 | - |
| Trade debts44 | €1,327 | €1,160 | €1,973 | €2,944 | €8,260 | €8,904 | ▲ 7.8% |
| Suppliers440/4 | - | €1,160 | €1,973 | €2,944 | €8,260 | €8,904 | ▲ 7.8% |
| Taxes, remuneration and social security45 | - | €12,620 | €11,073 | €2,119 | €18,198 | €33,661 | ▲ 85.0% |
| Taxes450/3 | - | €12,620 | €11,073 | €2,119 | €3,600 | €8,643 | ▲ 140% |
| Remuneration and social security454/9 | - | - | - | - | €14,598 | €25,018 | ▲ 71.4% |
| Other amounts payable47/48 | - | €5,438 | €3,066 | €3,297 | €134,830 | €156,278 | ▲ 15.9% |
| Accrued charges and deferred income492/3 | - | - | - | - | €111 | €111 | = |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €10,183 | €34,100 | €42,227 | €1,608 | €849 | -€48,327 | - |
| + Depreciation and write-downs630 | €16,133 | €21,196 | €21,304 | €25,244 | €39,255 | €41,012 | ▲ 4.5% |
| Operating cash flow (approximation) | €26,317 | €55,296 | €63,531 | €26,852 | €40,104 | -€7,315 | - |
| Investment in fixed assets (approximation) | - | €0 | -€2,958 | -€400,000 | -€264,933 | €0 | - |
| Change in cash | - | €26,769 | €31,447 | -€20,290 | -€41,377 | -€1,542 | ▲ 96.3% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (6)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 16-06-2026 | 2026-00177923 |
| 31-12-2024 | micro format | 17-06-2025 | 2025-00151285 |
| 31-12-2023 | micro format | 21-06-2024 | 2024-00156523 |
| 31-12-2022 | micro format | 12-06-2023 | 2023-00123352 |
| 31-12-2021 | micro format | 14-06-2022 | 2022-20061031 |
| 31-12-2020 | micro format | 14-06-2021 | 2021-19600175 |
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Of the 1,471 active companies whose main activity is other activities auxiliary to financial services, excluding insurance and pension funding (NACE 66199), figures are known for 924. 541 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Subsidies and aid
Flemish government
2022 to 2025 · 3 entries · €149 awarded · €149 paid| Year | Entries | Awarded | Paid |
|---|---|---|---|
| 2025 | 1 | €51 | €51 |
| 2023 | 1 | €50 | €50 |
| 2022 | 1 | €48 | €48 |
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Directors
No directors read yet: 0 of 2 Gazette acts processed. See the directors and other office holders in the KBO →
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
History
Acts, filings and financial milestones
Next filing, financial year 2026, expected by
2026
16-06
NBB filing
Annual accounts filed
financial year 2025 · micro format
2025
31-12
Financial
Weakest financial yearnet -€48,327
Net result drops to -€48,327, the lowest in the series.
17-06
NBB filing
Annual accounts filed
financial year 2024 · micro format
2024
21-06
NBB filing
Annual accounts filed
financial year 2023 · micro format
2023
12-06
NBB filing
Annual accounts filed
financial year 2022 · micro format
2022
31-12
Financial
Highest result from 2020 to 2025net €42,227 ▲23.8%
Operating result €55,416, net result €42,227, both a record.
14-06
NBB filing
Annual accounts filed
financial year 2021 · micro format
2021
31-12
Financial
Liquidity more than doubledcurrent ratio 1.22
Current ratio from 0.55 to 1.22; short-term debt falls from €51,505 to €42,257.
14-06
NBB filing
Annual accounts filed
financial year 2020 · micro format
Financial milestoneNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
0 of 2 deeds read
About the unread acts
We know of 2 Belgian Official Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Register details
Identification
Legal formPrivate limited company
Founded08-11-2019
Financial year end31-12
Activities, NACEBEL 2025
66199Other activities auxiliary to financial services, excluding insurance and pension funding
E-invoicing
Reachable via Peppol
Peppol ID
0208:0737567313
Also
9925:BE0737567313
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 14 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
Location & real-estate footprint
Registered office, Grimbergen · 2 establishment units since 2019
Ground area
1,946 m²
Building footprint
785 m²
Building volume
7,511 m³
2 parcels, Flanders · tallest building 14.2 m. Linked by address, not a title deed.
3
companies at this address
See who is registered here
2 establishment units
Mierendonkstraat 25, 1850 Grimbergen
since 2019unit no. 2.295.487.875
Postweg 4, 2220 Heist-op-den-Berg
since 2020unit no. 2.314.729.410
2 parcels
Flanders
2
(100%)
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 12014A0765/00P003 | Flanders | 1,269 m² | 1 · 685 m² | 14.2 m · 4 |
| 23403G0166/00S006 | Flanders | 677 m² | 1 · 100 m² | 9.8 m · 2 |
How the parcels are linked
Good to know
Both parcels match the address exactly.