Finalis
ActiveSummary
Finalis has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €37k and a net result of €16k. Equity is growing by ~88.1% per year across the filed fiscal years. Its solvency ranks better than 62% of 7750 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency90▲+11
Growth78=
Track record94
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.77 against 2.08 in 2024; short-term debt: 35.4% and cash: 74.8% of total assets), and 35.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
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
64.6%
Return on assets
28.9%
Age of the figures
9 mo
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 01-04-2026, 121 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
121 d early
2024
29 d early
2023
30 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€37k▲ 80.8%
2024 · €20k
2023: €919
2024: €20k
2023 → 2025
Total assets
€57k▲ 52.1%
2024 · €37k
2023: €15k
2024: €37k
2023 → 2025
Net result
€16k▼ 18.9%
2024 · €20k
2023: €2k
2024: €20k
2023 → 2025
Working capital
€36k▲ 94.2%
2024 · €18k
2023: €-115
2024: €18k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€919-€20k▲ 2,105%€37k▲ 80.8%
Operating result€2k-€26k▲ 1,145%€22k▼ 17.2%
Net result€2k-€20k▲ 1,230%€16k▼ 18.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 17% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €57k
Fixed assets
€1k ▼ 45.2%
Current assets
€56k ▲ 57.6%
Equity and liabilities €57k
Equity
€37k ▲ 80.8%
Debt
€20k ▲ 17.9%
Debt's share of the balance-sheet total falls from 45.7% to 35.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€23k▼
2024 · €27k
Cash flow
€17k▼
2024 · €21k
Current ratio
2.77▲
2024 · 2.08
Debt to equity
0.55▼
2024 · 0.84
ROE
44.7%▼
2024 · 99.7%
ROA
28.9%▼
2024 · 54.1%
Interest coverage
325.65▼
2024 · 611.64
Debt ≤ 1 year
€20k▲
2024 · €17k
Income taxes
€5k▼
2024 · €6k
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 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€37k€57k▲
Fixed assets21/28€2k€1k▼
Tangible fixed assets22/27€2k€1k▼
Plant, machinery and equipment23€683€333▼
Furniture and vehicles24€1k€762▼
Current assets29/58€35k€56k▲
Amounts receivable within one year40/41€11k€12k▲
Trade receivables40€11k€12k▲
Other amounts receivable41€69€69=
Cash at bank and in hand54/58€24k€42k▲
Deferred charges and accrued income490/1€955€1k▲
Equity and liabilities
Total equity and liabilities10/49€37k€57k▲
Equity10/15€20k€37k▲
Contributions10/11€100€100=
Profit (loss) carried forward14€20k€37k▲
Amounts payable17/49€17k€20k▲
Amounts payable within one year42/48€17k€20k▲
Trade debts44€1k€3k▲
Suppliers440/4€1k€3k▲
Taxes, remuneration and social security45€10k€17k▲
Taxes450/3€10k€17k▲
Other amounts payable47/48€5k€472▼
Accrued charges and deferred income492/3€39€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€696€904▲
Other operating charges640/8€69€144▲
Gross operating margin9900€27k€23k▼
Operating profit (loss)9901€26k€22k▼
Financial income75/76B€6€0▼
Recurring financial income75€6€0▼
Financial charges65/66B€44€70▲
Recurring financial charges65€44€70▲
Profit (loss) for the period before taxes9903€26k€22k▼
Income taxes67/77€6k€5k▼
Profit (loss) for the period9904€20k€16k▼
Profit (loss) for the period to be appropriated9905€20k€16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€21k€37k▲
Profit (loss) brought forward from the previous period14P€819€20k▲
Profit to be distributed694/7€859€0▼
Return on contributions (dividend)694€859€0▼
The notes to these accounts (8 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
01-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €20k ▲1230%
Operating result €26k, net result €20k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 2.08
Current ratio from 0.99 to 2.08.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Laarne · 1 establishment unit since 2023
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.
Schriekstraat 49270 LaarneGround area
312 m²
Building footprint
108 m²
Volume, LiDAR
481 m³
Parcel 42009E0004/00M002, Flanders · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Schriekstraat 4, 9270 Laarne
since 20232.349.475.404
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42009E0004/00M002 | Flanders | 312 m² | 1 · 108 m² | 7.1 m · 2 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 227 EUR awarded · 227 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 227 EUR | 227 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 11,222 companies in sector 82100 we hold annual accounts for 3,510. 2,475 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-09-2023
Fiscal year end31-12
Activities, NACEBEL 2025
82100Office administrative and support services
63920Other information service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.