Finamas
ActiveSummary
Finamas has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €369,807 and a net result of €114,226. Equity is growing by ~48.8% per year across the filed fiscal years. Its solvency ranks better than 88% of 31958 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
This company filed its last 3 accounts on average 71 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
History
Go further with this company
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Peer companies
Historical observationOf the 39,278 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 96% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 39,278 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,749 | €5,703 | €7,662 | ▲ 34.3% |
| Other operating charges640/8 | €600 | €268 | €251 | ▼ 6.3% |
| Gross operating margin9900 | €155,010 | €190,155 | €159,342 | ▼ 16.2% |
| Operating profit (loss)9901 | €151,661 | €184,183 | €151,429 | ▼ 17.8% |
| Financial income75/76B | - | €0 | €9 | ▲ 29,367% |
| Recurring financial income75 | - | €0 | €9 | ▲ 29,367% |
| Financial charges65/66B | €20 | €70 | €124 | ▲ 78.2% |
| Recurring financial charges65 | €20 | €70 | €124 | ▲ 78.2% |
| Profit (loss) for the period before taxes9903 | €151,641 | €184,114 | €151,314 | ▼ 17.8% |
| Income taxes67/77 | €36,464 | €48,709 | €37,088 | ▼ 23.9% |
| Profit (loss) for the period9904 | €115,176 | €135,405 | €114,226 | ▼ 15.6% |
| Profit (loss) for the period to be appropriated9905 | €115,176 | €135,405 | €114,226 | ▼ 15.6% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €141,579 | €278,205 | €412,599 | ▲ 48.3% |
| Fixed assets21/28 | €16,089 | €10,386 | €3,493 | ▼ 66.4% |
| Tangible fixed assets22/27 | €15,864 | €10,161 | €3,268 | ▼ 67.8% |
| Plant, machinery and equipment23 | €3,557 | €2,806 | €2,054 | ▼ 26.8% |
| Furniture and vehicles24 | €12,307 | €7,355 | €1,213 | ▼ 83.5% |
| Financial fixed assets28 | €225 | €225 | €225 | = |
| Current assets29/58 | €125,490 | €267,820 | €409,106 | ▲ 52.8% |
| Amounts receivable within one year40/41 | €27,514 | €26,478 | €55,992 | ▲ 111% |
| Trade receivables40 | €27,514 | €25,329 | €55,291 | ▲ 118% |
| Other amounts receivable41 | - | €1,149 | €700 | ▼ 39.0% |
| Current investments50/53 | - | €186,520 | €67,536 | ▼ 63.8% |
| Cash at bank and in hand54/58 | €92,172 | €48,997 | €279,605 | ▲ 471% |
| Deferred charges and accrued income490/1 | €5,804 | €5,825 | €5,973 | ▲ 2.6% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €141,579 | €278,205 | €412,599 | ▲ 48.3% |
| Equity10/15 | €120,176 | €255,581 | €369,807 | ▲ 44.7% |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | = |
| Reserves13 | €115,176 | €250,581 | €364,807 | ▲ 45.6% |
| Distributable reserves133 | €115,176 | €250,581 | €364,807 | ▲ 45.6% |
| Amounts payable17/49 | €21,403 | €22,624 | €42,791 | ▲ 89.1% |
| Amounts payable within one year42/48 | €21,403 | €22,624 | €42,791 | ▲ 89.1% |
| Trade debts44 | €3,006 | €1,393 | €23,036 | ▲ 1,554% |
| Suppliers440/4 | €3,006 | €1,393 | €23,036 | ▲ 1,554% |
| Taxes, remuneration and social security45 | €18,314 | €20,906 | €19,222 | ▼ 8.1% |
| Taxes450/3 | €18,314 | €20,906 | €19,222 | ▼ 8.1% |
| Other amounts payable47/48 | €83 | €325 | €534 | ▲ 64.2% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €115,176 | €135,405 | €114,226 | ▼ 15.6% |
| + Depreciation and write-downs630 | €2,749 | €5,703 | €7,662 | ▲ 34.3% |
| Operating cash flow (approximation) | €117,925 | €141,109 | €121,888 | ▼ 13.6% |
| Investment in fixed assets (approximation) | - | €0 | -€769 | - |
| Change in cash | - | -€43,175 | €230,608 | ▲ 634% |
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
31-10
State Gazette act
IncorporationAppointment: LINS Sofie Maria Roger Louisa (non-statutory director) · Founding capital · Bank account7 facts ▸
- Incorporation, 27-10-2022
- Founding capital, €5.000
- Bank account, BE87 6451 0908 2494
- Director appointment, LINS Sofie Maria Roger Louisa (non-statutory director)
- Mandate compensation, LINS Sofie Maria Roger Louisa
- Assumption of liabilities, Alle verbintenissen en verplichtingen en alle activiteiten ondernomen sinds 1 oktober 2022 door de comparant in naam en voor rekening van de vennootschap in opr…
- Formation costs, 1630, EUR
Directors · office · real estate
1 establishment unit
1 parcel
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11472C0298/00X000 | Flanders | 915 m² | 1 · 217 m² | 9.4 m · 2 fl. |
Linked by address, not proof of ownership
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| LINS Sofie Maria Roger Louisa |
|
Articles of association
Full purpose
Het verlenen van bijstand, advies en leiding aan bedrijven, privé-personen en instellingen, voornamelijk doch niet uitsluitend op het vlak van management, marketing, productie en ontwikkeling, processing en het besturen van vennootschapen, dit alles in de meest ruime betekenis; het geven van adviezen, het maken van studies, het voorbereiden en op gang brengen van organisatiesystemen, het in toepassing brengen van systemen voor gegevensverwerking en alle technieken in verband met het technisch administratief economisch en algemeen beheer van ondernemingen; het beheer en toezicht voeren over alle andere vennootschappen en ondernemingen, van welke aard ook; de verwerving van participaties onder gelijk welke vorm ook in handels-, industriële en financiële ondernemingen en het beheer evenals het ten gelde maken van deze participaties; de engineering, ontwikkeling, commercialisatie, vertegenwoordiging, dienstverlening met betrekking tot alle roerende goederen, materieel, machines en outillage; Verkrijgen, uitbaten of afstaan van alle octrooien, merken, licenties en intellectuele rechten
Structure & network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
Capital and shareholders
- 31-10-2022 Incorporation · 5,000 EUR · 120 shares
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 3,713 EUR awarded · 3,713 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 3,713 EUR | 3,713 EUR |
Similar companies · same sector, comparable size
Identification & contact
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.