Finami E.P.
ActiveFinami E.P. has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €295k and a net result of €-344. Equity is growing by ~26.4% per year across the filed fiscal years. Its solvency ranks better than 83% of 9167 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability22▲+5
Solvency100▲+13
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity ample (current ratio 4.25 against 2.48 in 2024; short-term debt: 21.2% and cash: 5.8% of total assets), and 22.2% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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 24-07-2026, 7 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
7 d early
2024
8 d early
2023
43 d early
2022
31 d early
2021
69 d early
2020
43 d early
2019
24 d early
← before the deadline
after the deadline →
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€295k▼ 0.1%
2024 · €296k
2018: €65k
2019: €55k
2020: €67k
2021: €313k
2022: €296k
2023: €304k
2024: €296k
2018 → 2025
Total assets
€380k▼ 20.5%
2024 · €478k
2018: €119k
2019: €485k
2020: €519k
2021: €516k
2022: €495k
2023: €536k
2024: €478k
2018 → 2025
Net result
€-344▲ 95.8%
2024 · €-8k
2018: €15k
2019: €-10k
2020: €12k
2021: €195k
2022: €-16k
2023: €8k
2024: €-8k
2018 → 2025
Working capital
€262k▼ 2.6%
2024 · €268k
2018: €17k
2019: €2k
2020: €11k
2021: €296k
2022: €282k
2023: €297k
2024: €268k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€313k-€296k▼ 5.3%€304k▲ 2.6%€296k▼ 2.7%€295k▼ 0.1%
Operating result€-55k-€-26k▲ 51.8%€-37k▼ 42.0%€-18k▲ 52.3%€-4k▲ 75.6%
Net result€195k-€-16k€8k€-8k€-344▲ 95.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €4k in 2025 against €18k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €380k
Fixed assets
€38k▲ 33.6%
Current assets
€342k▼ 23.9%
Equity and liabilities €380k
Equity
€295k▼ 0.1%
Debt
€84k▼ 53.7%
The debt ratio falls from 38.1% to 22.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€2k▲
2024 · €-13k
Cash flow
€6k▲
2024 · €-3k
Solvency
77.8%▲
2024 · 61.9%
Current ratio
4.25▲
2024 · 2.48
Quick ratio
4.25▲
2024 · 2.48
Debt / equity
0.29▼
2024 · 0.62
ROE
-0.1%▲
2024 · -2.7%
ROA
-0.1%▲
2024 · -1.7%
Interest coverage
0.46▲
2024 · -1.55
Debt
€84k▼
2024 · €182k
Debt ≤ 1 year
€81k▼
2024 · €181k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€478k€380k▼
Fixed assets21/28€28k€38k▲
Tangible fixed assets22/27€22k€18k▼
Furniture and vehicles24€21k€15k▼
Other tangible fixed assets26€1k€3k▲
Financial fixed assets28€6k€19k▲
Current assets29/58€450k€342k▼
Amounts receivable within one year40/41€427k€302k▼
Trade receivables40€34k€40k▲
Other amounts receivable41€394k€262k▼
Cash at bank and in hand54/58€2k€22k▲
Deferred charges and accrued income490/1€20k€18k▼
Equity and liabilities
Total equity and liabilities10/49€478k€380k▼
Equity10/15€296k€295k▼
Contributions10/11€100k€100k=
Reserves13€379€379=
Distributable reserves133€379€379=
Profit (loss) carried forward14€195k€195k▼
Amounts payable17/49€182k€84k▼
Amounts payable within one year42/48€181k€81k▼
Financial debts43€150k€75k▼
Credit institutions430/8€150k€75k▼
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€0€3k▲
Taxes450/3€0€3k▲
Other amounts payable47/48€30k€0▼
Accrued charges and deferred income492/3€779€4k▲
Income statement
Code20242025
Non-recurring operating income76A-€2k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€7k▲
Other operating charges640/8€3k€1k▼
Non-recurring operating charges66A€5k€0▼
Gross operating margin9900€-4k€4k▲
Operating profit (loss)9901€-18k€-4k▲
Financial income75/76B€18k€9k▼
Recurring financial income75€18k€9k▼
Non-recurring financial income76B€0-
Financial charges65/66B€8k€5k▼
Recurring financial charges65€8k€5k▼
Profit (loss) for the period before taxes9903€-8k€-344▲
Profit (loss) for the period9904€-8k€-344▲
Profit (loss) for the period to be appropriated9905€-8k€-344▲
Appropriation of the result
Profit (loss) to be appropriated9906€195k€195k▼
Profit (loss) brought forward from the previous period14P€204k€195k▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (13 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €-16k ▼108%
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
23-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €195k ▲1490%
Net result €195k, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 2.54
Current ratio from 1.03 to 2.54; short-term debt falls from €445k to €192k.
31-12
Financial
Equity above €200kEq €313k ▲365%
2 profitable years in a row build equity to €313k.
18-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Schilde · 1 establishment unit since 2017
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.
Groene Wandeling 152970 SchildeGround area
2,099 m²
Building footprint
257 m²
Volume, LiDAR
1,639 m³
Parcel 11041B0146/00D000, Flanders · tallest building 17.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Finami E.P.
since 20172.274.817.076
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11041B0146/00D000 | Flanders | 2,099 m² | 1 · 257 m² | 17.3 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.
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Of 11,749 companies in sector 68310 we hold annual accounts for 6,907. 4,973 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-09-2017
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
68121Development of residential building projects
68122Development of non-residential building projects
68322Real estate appraisal on a fee or contract basis
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:epeeters@finami.eu