Summary
FINALIZ 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 €1.3m and a net result of €2.2m. Equity is growing by ~97.4% per year across the filed fiscal years. Its solvency ranks better than 60% of 1502 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
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.
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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 31-03-2025 was due by 31-10-2025 and was filed on 26-06-2025, 127 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
127 d early
2024
99 d early
2023
118 d early
2022
3 d late
2021
19 d early
2020
1 d 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 60 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close28-09-2026 today31-10-2026 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€1.3m▲ 417%
2024 · €251,111
Net result
€2.2m▲ 2,851%
2024 · €75,309
Total assets
€2.6m▲ 245%
2024 · €752,790
Solvency
50.0%▲ 16.7pp
2024 · 33.4%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€37,999▲ 237%€28,901▼ 23.9%€19,246▼ 33.4%€1,016▼ 94.7%-€5,396
Net result€30,471within the sector's middle half▲ 731%€35,330within the sector's middle half▲ 15.9%€89,546within the sector's middle half▲ 153%€75,309within the sector's middle half▼ 15.9%€2.2mabove the sector's middle half▲ 2,851%
Equity€52,525below the sector's middle half▲ 130%€87,055below the sector's middle half▲ 65.7%€175,802within the sector's middle half▲ 102%€251,111within the sector's middle half▲ 42.8%€1.3mabove the sector's middle half▲ 417%
Total assets€216,100below the sector's middle half▼ 5.3%€727,555within the sector's middle half▲ 237%€768,052within the sector's middle half▲ 5.6%€752,790within the sector's middle half▼ 2.0%€2.6mabove the sector's middle half▲ 245%
Debt€163,575▼ 20.4%€640,500▲ 292%€592,250▼ 7.5%€501,680▼ 15.3%€1.3m▲ 158%
Working capital-€1,610within the sector's middle half▲ 89.9%-€38,311below the sector's middle half▼ 2,280%-€14,063within the sector's middle half▲ 63.3%-€3,452within the sector's middle half▲ 75.5%€1.2mabove the sector's middle half
Solvency24.3%within the sector's middle half▲ 14.3pp12.0%below the sector's middle half▼ 12.3pp22.9%within the sector's middle half▲ 10.9pp33.4%within the sector's middle half▲ 10.5pp50.0%within the sector's middle half▲ 16.7pp
Current ratio0.96within the sector's middle half▲ 0.210.52below the sector's middle half▼ 0.430.86below the sector's middle half▲ 0.330.95within the sector's middle half▲ 0.101.98within the sector's middle half▲ 1.03
Return on assets (ROA)14.1%within the sector's middle half▲ 12.5pp4.9%within the sector's middle half▼ 9.2pp11.7%within the sector's middle half▲ 6.8pp10.0%within the sector's middle half▼ 1.7pp85.6%above the sector's middle half▲ 75.6pp
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €5,396 after €1,016 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.6m
Fixed assets
€152,813 ▼ 77.6%
Current assets
€2.4m ▲ 3,402%
Equity and liabilities €2.6m
Equity
€1.3m ▲ 417%
Debt
€1.3m ▲ 158%
Debt's share of the balance-sheet total falls from 66.6% to 50.0%. Equity and debt are higher.
Key figures and ratios
ROE
171.2%▲
2024 · 30.0%
Debt ≤ 1 year
€1.2m▲
2024 · €73,166
Debt > 1 year
€62,373▼
2024 · €428,514
Income taxes
€264▼
2024 · €8,303
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €646 | €1,241 | €1,241 | €1,485 | ▲ 19.6% |
| Other operating charges640/8 | - | €688 | €1,044 | €3,460 | €1,183 | ▼ 65.8% |
| Non-recurring operating charges66A | - | €276 | €996 | €189 | - | - |
| Gross operating margin9900 | €39,018 | €30,511 | €22,527 | €5,906 | -€2,728 | ▼ 146% |
| Operating profit (loss)9901 | €37,999 | €28,901 | €19,246 | €1,016 | -€5,396 | ▼ 631% |
| Financial income75/76B | - | €16,000 | €86,880 | €91,901 | €2.2m | ▲ 2,336% |
| Recurring financial income75 | €6,000 | €16,000 | €86,880 | €91,901 | €0 | ▼ 100.0% |
| Non-recurring financial income76B | - | - | - | - | €2.2m | - |
| Financial charges65/66B | - | €2,454 | €10,023 | €9,305 | €10,947 | ▲ 17.6% |
| Recurring financial charges65 | €2,916 | €2,454 | €10,023 | €9,305 | €10,947 | ▲ 17.6% |
| Profit (loss) for the period before taxes9903 | €41,083 | €42,447 | €96,102 | €83,612 | €2.2m | ▲ 2,558% |
| Income taxes67/77 | €10,612 | €7,117 | €6,556 | €8,303 | €264 | ▼ 96.8% |
| Profit (loss) for the period9904 | €30,471 | €35,330 | €89,546 | €75,309 | €2.2m | ▲ 2,851% |
| Profit (loss) for the period to be appropriated9905 | €30,471 | €35,330 | €89,546 | €75,309 | €2.2m | ▲ 2,851% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €216,100 | €727,555 | €768,052 | €752,790 | €2.6m | ▲ 245% |
| Fixed assets21/28 | €180,000 | €685,559 | €684,318 | €683,077 | €152,813 | ▼ 77.6% |
| Tangible fixed assets22/27 | - | €5,559 | €4,318 | €3,077 | €3,879 | ▲ 26.1% |
| Plant, machinery and equipment23 | - | €4,236 | €3,325 | €2,414 | - | - |
| Furniture and vehicles24 | - | €1,323 | €993 | €663 | €3,879 | ▲ 485% |
| Financial fixed assets28 | €180,000 | €680,000 | €680,000 | €680,000 | €148,933 | ▼ 78.1% |
| Current assets29/58 | €36,100 | €41,996 | €83,734 | €69,713 | €2.4m | ▲ 3,402% |
| Amounts receivable within one year40/41 | €234 | €651 | - | €32,341 | €1.2m | ▲ 3,571% |
| Other amounts receivable41 | - | €651 | - | €32,341 | €1.2m | ▲ 3,571% |
| Cash at bank and in hand54/58 | €32,073 | €38,390 | €81,589 | €35,437 | €1.3m | ▲ 3,440% |
| Deferred charges and accrued income490/1 | - | €2,955 | €2,145 | €1,935 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €216,100 | €727,555 | €768,052 | €752,790 | €2.6m | ▲ 245% |
| Equity10/15 | €52,525 | €87,055 | €175,802 | €251,111 | €1.3m | ▲ 417% |
| Contributions10/11 | - | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Reserves13 | €32,525 | €67,055 | €155,802 | €231,111 | €1.3m | ▲ 453% |
| Distributable reserves133 | - | €67,055 | €155,802 | €231,111 | €1.3m | ▲ 453% |
| Profit (loss) carried forward14 | - | - | - | - | €18 | - |
| Amounts payable17/49 | €163,575 | €640,500 | €592,250 | €501,680 | €1.3m | ▲ 158% |
| Amounts payable after more than one year17 | €125,736 | €560,193 | €494,453 | €428,514 | €62,373 | ▼ 85.4% |
| Financial debts170/4 | - | €560,193 | €494,453 | €428,514 | €62,373 | ▼ 85.4% |
| Amounts payable within one year42/48 | €37,710 | €80,307 | €97,797 | €73,166 | €1.2m | ▲ 1,587% |
| Current portion of amounts payable after more than one year42 | - | €65,543 | €65,740 | €65,939 | €16,141 | ▼ 75.5% |
| Trade debts44 | €736 | €3,064 | €1,396 | €173 | €16,077 | ▲ 9,198% |
| Suppliers440/4 | - | €3,064 | €1,396 | €173 | €16,077 | ▲ 9,198% |
| Taxes, remuneration and social security45 | - | €10,900 | €8,934 | €6,362 | €3,750 | ▼ 41.1% |
| Taxes450/3 | - | €10,900 | €8,934 | €6,362 | €3,750 | ▼ 41.1% |
| Other amounts payable47/48 | - | €800 | €21,727 | €691 | €1.2m | ▲ 173,208% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €30,471 | €35,330 | €89,546 | €75,309 | €2.2m | ▲ 2,851% |
| + Depreciation and write-downs630 | - | €646 | €1,241 | €1,241 | €1,485 | ▲ 19.6% |
| Operating cash flow (approximation) | €30,471 | €35,976 | €90,787 | €76,550 | €2.2m | ▲ 2,805% |
| Investment in fixed assets (approximation) | - | -€506,205 | €0 | €0 | €528,780 | - |
| Change in cash | - | €6,317 | €43,199 | -€46,152 | €1.2m | ▲ 2,741% |
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
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-03
Financial
Highest result since 2020net €2.2m ▲2,851%
Net result €2.2m, the highest in the series.
31-03
Financial
Liquidity doublescurrent ratio 1.98
Current ratio from 0.95 to 1.98.
31-03
Financial
Equity above €1mEq €1.3m ▲417%
6 profitable years in a row build equity to €1.3m.
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-03
Financial
Equity above €200,000Eq €251,111 ▲42.8%
5 profitable years in a row build equity to €251,111.
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
31-03
Financial
Equity above €150,000Eq €175,802 ▲102%
4 profitable years in a row build equity to €175,802.
2022
03-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 3 days late
2021
12-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Merelbeke-Melle · 1 establishment unit since 2019
Ground area
647 m²
Building footprint
143 m²
Parcel 44040C0203/00L002, Flanders. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
FINALIZ
since 20192.285.301.984
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44040C0203/00L002 | Flanders | 647 m² | 1 · 143 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-03-2025 list no shareholders, and no other source names one.
Holdings 1
-
32.8%
According to the annual accounts to 31-03-2025 of FINALIZ and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 349 EUR awarded · 349 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 349 EUR | 349 EUR |
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Of 1,507 companies in sector 66199 we hold annual accounts for 923. 489 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
Founded02-02-2019
Fiscal year end31-03
Activities, NACEBEL 2025
66199Other activities auxiliary to financial services, excluding insurance and pension funding
66220Insurance agents and brokers
66290Activities auxiliary to financial services and insurance activities
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0719739406
Also
9925:BE0719739406
Registered
12-02-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.