FINALITICS
ActiveSummary
FINALITICS has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €463,176 and a net result of €213,824. Its solvency ranks better than 81% of 39,242 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 26-09-2023 Normal situation
- Activity
- Business and other management consultancy NACE 70200
- Establishment unit
- 2.350.236.655 1150 Sint-Pieters-Woluwe, since 26-09-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 11-02-2026
Financial position
- Bankruptcy probabilitywithin 12 months
- < 0.1%
- Gross margin
- €321,474
- ▼ 13.4%
- Turnover
- ≈ €460,000
- estimated
- Profit
- €213,824
- ▼ 13.6%
- Equity
- €463,176
- ▲ 85.8%
- Total assets
- €557,839
- ▲ 53.6%
Score breakdownraises riskFounded in 2023lowers riskSector: Activities of head offices; management consultancy activities (NACE 70)Liquidity: current ratio 5.42, cash €485,620Size: total assets €557,839Show the evidence
Checked score
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 86% of them on solvency, 90% on liquidity, 84% on profitability and 87% on growth.
The bankruptcy probability was computed on 01-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 2 accounts on average 16 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 30-06-2026 at the NBB all 2 filings
2024 to 2025, 2 financial years
The operating result for 2025 is 14% lower than in 2024.
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Activities of head offices; management consultancy activities (NACE 70). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio and return on assets (ROA).
Investments
| Item | 2024 | 2025 |
|---|---|---|
| Tangible fixed assets | €70,380 | €3,148 |
| Depreciation and write-downs of the year | €14,336 | €13,225 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Comparable companies
These companies have the same main activity as FINALITICS: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €447,000 and €607,000, founded between 2023 and 2024.
| Company | Founded | Total assets | Equity | Gross margin | Net result | Financial year |
|---|---|---|---|---|---|---|
| FINALITICS Sint-Pieters-Woluwe | 2023 | €557,839 | €463,176 | €321,474 | €213,824 | 2025 |
| RDD Consulting Sint-Pieters-Woluwe | 2023 | €446,948 | €406,489 | €349,926 | €242,077 | 2025 |
| FVG Consulting Sint-Lambrechts-Woluwe | 2023 | €584,698 | €488,096 | €313,441 | €239,096 | 2025 |
| CELEST INVEST Sint-Gillis (bij-Brussel) | 2023 | €492,956 | €361,443 | €321,214 | €242,707 | 2025 |
| HAKUZA CONSEILS Elsene | 2023 | €607,444 | €188,464 | €337,127 | €213,740 | 2025 |
| Edge4Growth Watermaal-Bosvoorde | 2023 | €606,729 | €576,232 | €339,494 | €245,030 | 2025 |
| UMBIRIVA Oudergem | 2024 | €507,061 | €384,758 | €325,936 | €237,088 | 2025 |
They were chosen from the 54,697 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity
Companies with the same profile, two years later
Historical observationIn July 2024, 3,127 companies had the same profile as FINALITICS has now. Two years later, 0.8% had gone bankrupt and 97.2% were still going.
- Small
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
That fits the bankruptcy probability of FINALITICS itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,445 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 3,127 companies, not a prediction for FINALITICS. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €14,336 | €13,225 | ▼ 7.8% |
| Other operating charges640/8 | - | €621 | - |
| Non-recurring operating charges66A | €786 | - | - |
| Gross operating margin9900 | €371,410 | €321,474 | ▼ 13.4% |
| Operating profit (loss)9901 | €356,287 | €307,628 | ▼ 13.7% |
| Financial charges65/66B | €185 | €90 | ▼ 51.3% |
| Recurring financial charges65 | €185 | €90 | ▼ 51.3% |
| Profit (loss) for the period before taxes9903 | €356,102 | €307,538 | ▼ 13.6% |
| Income taxes67/77 | €108,550 | €93,714 | ▼ 13.7% |
| Profit (loss) for the period9904 | €247,552 | €213,824 | ▼ 13.6% |
| Profit (loss) for the period to be appropriated9905 | €247,552 | €213,824 | ▼ 13.6% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €363,080 | €557,839 | ▲ 53.6% |
| Fixed assets21/28 | €55,257 | €45,180 | ▼ 18.2% |
| Tangible fixed assets22/27 | €55,257 | €45,180 | ▼ 18.2% |
| Plant, machinery and equipment23 | €4,363 | €5,833 | ▲ 33.7% |
| Furniture and vehicles24 | €50,894 | €38,501 | ▼ 24.4% |
| Assets under construction and advance payments27 | - | €846 | - |
| Current assets29/58 | €307,823 | €512,659 | ▲ 66.5% |
| Amounts receivable within one year40/41 | €2,298 | €25,631 | ▲ 11× |
| Trade receivables40 | €1,061 | €22,831 | ▲ 22× |
| Other amounts receivable41 | €1,237 | €2,800 | ▲ 126% |
| Cash at bank and in hand54/58 | €304,196 | €485,620 | ▲ 59.6% |
| Deferred charges and accrued income490/1 | €1,329 | €1,407 | ▲ 5.9% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €363,080 | €557,839 | ▲ 53.6% |
| Equity10/15 | €249,352 | €463,176 | ▲ 85.8% |
| Contributions10/11 | €1,800 | €1,800 | = |
| Reserves13 | €244,000 | €457,800 | ▲ 87.6% |
| Distributable reserves133 | €244,000 | €457,800 | ▲ 87.6% |
| Profit (loss) carried forward14 | €3,552 | €3,576 | ▲ 0.7% |
| Amounts payable17/49 | €113,728 | €94,663 | ▼ 16.8% |
| Amounts payable within one year42/48 | €113,728 | €94,663 | ▼ 16.8% |
| Current portion of amounts payable after more than one year42 | €3,764 | €522 | ▼ 86.1% |
| Trade debts44 | €202 | €427 | ▲ 111% |
| Suppliers440/4 | €202 | €427 | ▲ 111% |
| Taxes, remuneration and social security45 | €108,550 | €93,714 | ▼ 13.7% |
| Taxes450/3 | €108,550 | €93,714 | ▼ 13.7% |
| Other amounts payable47/48 | €1,212 | - | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €247,552 | €213,824 | ▼ 13.6% |
| + Depreciation and write-downs630 | €14,336 | €13,225 | ▼ 7.8% |
| Operating cash flow (approximation) | €261,888 | €227,049 | ▼ 13.3% |
| Investment in fixed assets (approximation) | - | -€3,148 | - |
| Change in cash | - | €181,424 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Board & ownership
Directors
Owners and capital
Shareholders
- MORAINE Christian Francis Marie Marcel 120 shares (100%) · €1,800 in cash
Capital transactions
- 28-09-2023 Incorporation · €1,800 · 120 shares
Articles of association
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Articles of association, deed of 28-09-2023 (in French)
Network & group
FINALITICS shares no director with another company.
Connections & network
1 current directorThe network starts from the directors of FINALITICS. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
28-09
Gazette deed
IncorporationStarting capital €1,800 · Appointment: MORAINE Christian Francis Marie Marcel (director) · Registered office clause · Board rule12 points ▸
- Other provision, “conformément à la loi, unanimité du comparant” (deed in French)
- Registered office clause, “Woluwe-Saint-Pierre (1150 Bruxelles),avenue de la Faisanderie 17” (deed in French)
- Board rule, 1
- Director appointment, MORAINE Christian Francis Marie Marcel (director)
- Pre-incorporation commitments, “takeover, tous engagements et obligations en résultant,et toutes activités entreprises au nom et pour compte société en formation” (deed in French)
- Incorporation, 25-09-2023
- Founder, MORAINE Christian Francis Marie Marcel
- Founding capital, €1,800
- Other provision, 18-09-2023
- Other provision, “arrêt des statuts, arrêter les statuts” (deed in French)
- Capital
- Bank account, “Banque KBC, BE54 7370 7099 0097” (deed in French)
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
On 26 September 2023, FINALITICS was incorporated as a private limited company by one natural person, with a starting capital of €1,800.12 MORAINE Christian Francis Marie Marcel is director of the company, appointed in the act of 28-09-2023.2 The company has filed 2 sets of annual accounts, the latest for financial year 2025.3
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
7 activities
- L'activité de consultant et de conseils en management, organisation, gestion administrative et financière, systèmes informatiques et de télécommunications; la mise à disposition de personnel qualifié dans le cadre de toute mission de consultance; les autres prestations de services rattachés à la gestion industrielle, commerciale, administrative, financière, juridique, comptable, fiscale, de qualité, de marketing, d'écologie ou autre, au profit de toutes entités généralement quelconques, belges ou étrangères ; l'activité d'étude de marché, tous services de secrétariat et de traduction,
- L'organisation de formations, le coaching d'entrepreneurs, la présente liste étant énumérative et non limitative.
- Toutes opérations de consultance, de conception, de management, de coaching, de gestion de ressources humaines et de gestion dans le domaine industriel et de la valorisation de biens immeubles,
- Toutes opérations généralement quelconques se rapportant directement ou indirectement au marketing, au management, à la communication et à la consultance.
- Toute activité d'études, de conseils, de consultations, d'expertises, de consultance et toute autre prestation de services dans le domaine de la communication.
- La gestion de fabrication de produits de communication.
- L'achat, la vente, en gros ou en détail, l'importation, l'exportation, la location de tous matériels, produits ou fournitures au sens le plus large et toutes activités commerciales en rapport avec ces biens.
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 21682C0182/00M035 | Brussels | 2,074 m² | 1 · 191 m² | 10.2 m · 2 |