Summary
FINALBA 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 €436k and a net result of €164k. Equity is growing by ~29.6% per year across the filed fiscal years. Its solvency ranks better than 80% of 2444 sector peers (fiscal year 2025). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 06-01-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
3 d late
2023
2 d early
2022
41 d early
2021
7 d early
2020
15 d late
2019
49 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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 close25-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€436k▲ 43.2%
2024 · €304k
2019: €87klowest in 7 years
2020: €119k▲ +36.7% vs 2019
2021: €142k▲ +19.3% vs 2020
2022: €146k▲ +2.7% vs 2021
2023: €249k▲ +70.3% vs 2022
2024: €304k▲ +22.3% vs 2023
2025: €436k▲ +43.2% vs 2024highest in 7 years
2019 → 2025
Net result
€164k▲ 138%
2024 · €69k
2019: €13klowest in 7 years
2020: €32k▲ +138% vs 2019
2021: €34k▲ +6.3% vs 2020
2022: €27k▼ -21.3% vs 2021
2023: €115k▲ +328% vs 2022
2024: €69k▼ -40.2% vs 2023
2025: €164k▲ +138% vs 2024highest in 7 years
2019 → 2025
Total assets
€533k▲ 48.1%
2024 · €360k
2019: €101klowest in 7 years
2020: €140k▲ +38.0% vs 2019
2021: €163k▲ +16.3% vs 2020
2022: €181k▲ +11.4% vs 2021
2023: €316k▲ +74.3% vs 2022
2024: €360k▲ +14.1% vs 2023
2025: €533k▲ +48.1% vs 2024highest in 7 years
2019 → 2025
Solvency
81.7%▼ 2.8pp
2024 · 84.5%
2019: 86.2%
2020: 85.4%▼ -1.0% vs 2019
2021: 87.6%▲ +2.6% vs 2020highest in 7 years
2022: 80.7%▼ -7.8% vs 2021
2023: 78.8%▼ -2.3% vs 2022lowest in 7 years
2024: 84.5%▲ +7.2% vs 2023
2025: 81.7%▼ -3.3% vs 2024
2019 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€142k-€146k▲ 2.7%€249k▲ 70.3%€304k▲ 22.3%€436k▲ 43.2%
2021: €142klowest in 5 years
2022: €146k▲ +2.7% vs 2021
2023: €249k▲ +70.3% vs 2022
2024: €304k▲ +22.3% vs 2023
2025: €436k▲ +43.2% vs 2024highest in 5 years
Operating result€51k-€38k▼ 24.9%€170k▲ 348%€106k▼ 37.3%€255k▲ 140%
2021: €51k
2022: €38k▼ -24.9% vs 2021lowest in 5 years
2023: €170k▲ +348% vs 2022
2024: €106k▼ -37.3% vs 2023
2025: €255k▲ +140% vs 2024highest in 5 years
Net result€34k-€27k▼ 21.3%€115k▲ 328%€69k▼ 40.2%€164k▲ 138%
2021: €34k
2022: €27k▼ -21.3% vs 2021lowest in 5 years
2023: €115k▲ +328% vs 2022
2024: €69k▼ -40.2% vs 2023
2025: €164k▲ +138% vs 2024highest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 140% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €533k
Fixed assets
€37k ▼ 10.2%
Current assets
€496k ▲ 55.6%
Equity and liabilities €533k
Equity
€436k ▲ 43.2%
Debt
€97k ▲ 74.9%
Debt's share of the balance-sheet total rises from 15.5% to 18.3%. Equity and debt are higher.
Key figures and ratios
ROE
37.5%▲
2024 · 22.5%
ROA
30.7%▲
2024 · 19.0%
Debt ≤ 1 year
€97k▲
2024 · €56k
Income taxes
€85k▲
2024 · €36k
Staff costs
€30k▲
2024 · €5k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€360k€533k▲
Fixed assets21/28€41k€37k▼
Tangible fixed assets22/27€20k€16k▼
Plant, machinery and equipment23€7k€7k▼
Furniture and vehicles24€2k€1k▼
Other tangible fixed assets26€11k€8k▼
Financial fixed assets28€21k€21k=
Current assets29/58€319k€496k▲
Current investments50/53€202k€223k▲
Cash at bank and in hand54/58€111k€270k▲
Deferred charges and accrued income490/1€6k€3k▼
Equity and liabilities
Total equity and liabilities10/49€360k€533k▲
Equity10/15€304k€436k▲
Contributions10/11€19k€19k=
Reserves13€273k€403k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€271k€401k▲
Profit (loss) carried forward14€13k€14k▲
Amounts payable17/49€56k€97k▲
Amounts payable within one year42/48€56k€97k▲
Trade debts44€11k€6k▼
Suppliers440/4€11k€6k▼
Taxes, remuneration and social security45€37k€73k▲
Taxes450/3€37k€70k▲
Remuneration and social security454/9-€2k
Other amounts payable47/48€8k€18k▲
Income statement
Code20242025
Remuneration, social security and pensions62€5k€30k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k▼
Other operating charges640/8€2k€7k▲
Gross operating margin9900€121k€300k▲
Operating profit (loss)9901€106k€255k▲
Financial income75/76B€1k€3k▲
Recurring financial income75€1k€3k▲
Financial charges65/66B€3k€10k▲
Recurring financial charges65€3k€10k▲
Profit (loss) for the period before taxes9903€105k€248k▲
Income taxes67/77€36k€85k▲
Profit (loss) for the period9904€69k€164k▲
Profit (loss) for the period to be appropriated9905€69k€164k▲
Appropriation of the result
Profit (loss) to be appropriated9906€78k€176k▲
Profit (loss) brought forward from the previous period14P€9k€13k▲
Transfer from equity791/2€13k€32k▲
Transfer to equity691/2€65k€162k▲
To other reserves6921€65k€162k▲
Profit to be distributed694/7€13k€32k▲
Return on contributions (dividend)694€13k€32k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €5k | €30k | ▲ 484% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7k | €8k | €9k | €8k | €8k | ▼ 3.1% |
| Other operating charges640/8 | - | €2k | €884 | €2k | €7k | ▲ 396% |
| Gross operating margin9900 | €59k | €47k | €180k | €121k | €300k | ▲ 147% |
| Operating profit (loss)9901 | €51k | €38k | €170k | €106k | €255k | ▲ 140% |
| Financial income75/76B | - | €222 | €46 | €1k | €3k | ▲ 157% |
| Recurring financial income75 | €279 | €222 | €46 | €1k | €3k | ▲ 157% |
| Financial charges65/66B | - | €688 | €3k | €3k | €10k | ▲ 257% |
| Recurring financial charges65 | €918 | €688 | €3k | €3k | €10k | ▲ 257% |
| Profit (loss) for the period before taxes9903 | €50k | €37k | €167k | €105k | €248k | ▲ 137% |
| Income taxes67/77 | €16k | €11k | €52k | €36k | €85k | ▲ 133% |
| Profit (loss) for the period9904 | €34k | €27k | €115k | €69k | €164k | ▲ 138% |
| Profit (loss) for the period to be appropriated9905 | €34k | €27k | €115k | €69k | €164k | ▲ 138% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €163k | €181k | €316k | €360k | €533k | ▲ 48.1% |
| Fixed assets21/28 | €29k | €35k | €41k | €41k | €37k | ▼ 10.2% |
| Tangible fixed assets22/27 | €19k | €15k | €21k | €20k | €16k | ▼ 20.8% |
| Plant, machinery and equipment23 | - | €8k | €4k | €7k | €7k | ▼ 2.1% |
| Furniture and vehicles24 | - | €6k | €4k | €2k | €1k | ▼ 45.9% |
| Other tangible fixed assets26 | - | €2k | €14k | €11k | €8k | ▼ 27.4% |
| Financial fixed assets28 | €10k | €20k | €20k | €21k | €21k | = |
| Current assets29/58 | €134k | €146k | €275k | €319k | €496k | ▲ 55.6% |
| Current investments50/53 | €8k | €8k | €20k | €202k | €223k | ▲ 10.4% |
| Cash at bank and in hand54/58 | €123k | €136k | €252k | €111k | €270k | ▲ 144% |
| Deferred charges and accrued income490/1 | - | €2k | €2k | €6k | €3k | ▼ 49.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €163k | €181k | €316k | €360k | €533k | ▲ 48.1% |
| Equity10/15 | €142k | €146k | €249k | €304k | €436k | ▲ 43.2% |
| Contributions10/11 | - | €19k | €19k | €19k | €19k | = |
| Reserves13 | €115k | €118k | €221k | €273k | €403k | ▲ 47.6% |
| Non-distributable reserves130/1 | - | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | - | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | - | €117k | €219k | €271k | €401k | ▲ 48.0% |
| Profit (loss) carried forward14 | €9k | €9k | €9k | €13k | €14k | ▲ 12.0% |
| Amounts payable17/49 | €20k | €35k | €67k | €56k | €97k | ▲ 74.9% |
| Amounts payable within one year42/48 | €20k | €35k | €67k | €56k | €97k | ▲ 74.9% |
| Trade debts44 | €1k | €938 | €690 | €11k | €6k | ▼ 41.0% |
| Suppliers440/4 | - | €938 | €690 | €11k | €6k | ▼ 41.0% |
| Taxes, remuneration and social security45 | - | €15k | €53k | €37k | €73k | ▲ 98.2% |
| Taxes450/3 | - | €15k | €53k | €37k | €70k | ▲ 92.0% |
| Remuneration and social security454/9 | - | - | - | - | €2k | - |
| Other amounts payable47/48 | - | €19k | €14k | €8k | €18k | ▲ 119% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €34k | €27k | €115k | €69k | €164k | ▲ 138% |
| + Depreciation and write-downs630 | €7k | €8k | €9k | €8k | €8k | ▼ 3.1% |
| Operating cash flow (approximation) | €41k | €34k | €124k | €77k | €172k | ▲ 123% |
| Investment in fixed assets (approximation) | - | €-14k | €-15k | €-8k | €-4k | ▲ 54.1% |
| Change in cash | - | €13k | €116k | €-141k | €159k | ▲ 213% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
06-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2019net €164k ▲138%
Operating result €255k, net result €164k, both a record.
03-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 3 days late
2024
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Equity above €200kEq €249k ▲70.3%
5 profitable years in a row build equity to €249k.
2022
21-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
24-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
15-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 15 days late
2020
30-06
Financial
Equity above €100kEq €119k ▲36.7%
2 profitable years in a row build equity to €119k.
2019
13-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
27-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
29-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
02-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 2 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 10 acts read
About the unread acts
We know of 10 Belgian State 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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Directors · office · real estate
Directors
10 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, Schaarbeek · 1 establishment unit since 2012
Ground area
1,253 m²
Building footprint
313 m²
Volume, LiDAR
1,430 m³
2 parcels, Brussels, Wallonia · tallest building 13.6 m, ±4 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
Rue du Cuisinier 159, 1420 Braine-l'Alleud
since 20122.206.338.739
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21904B0391/00A002 | Brussels | 716 m² | 1 · 137 m² | 13.6 m · 4 fl. |
| 25743H0028/00W008 | Wallonia | 538 m² | 1 · 176 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
875500FG1Y06EI28CL69
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Of 1,508 companies in sector 66199 we hold annual accounts for 917. 615 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded19-01-2012
Fiscal year end30-06
Activities, NACEBEL 2025
66199Other activities auxiliary to financial services, excluding insurance and pension funding
Scores and ratios are computed by Checked and are not a credit decision.