Summary
FINAMINE 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 €46,050 and a net result of -€35,461. Equity is growing by ~56.9% per year across the filed fiscal years. Its solvency ranks better than 39% of 2460 sector peers (fiscal year 2025). The company has been active since 2010 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 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
78 d late
2023
27 d late
2022
17 d late
2021
65 d late
2020
90 d late
2019
108 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 55 days after 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€46,050▼ 43.5%
2024 · €81,511
Net result
-€35,461
2024 · €62,500
Total assets
€124,413▼ 18.2%
2024 · €152,056
Solvency
37.0%▼ 16.6pp
2024 · 53.6%
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
Turnover
Operating result€20,633▲ 117%€5,248▼ 74.6%€13,481▲ 157%€101,503▲ 653%-€33,570
Net result€12,251within the sector's middle half▲ 224%€277below the sector's middle half▼ 97.7%€6,009within the sector's middle half▲ 2,070%€62,500within the sector's middle half▲ 940%-€35,461below the sector's middle half
Equity€12,726below the sector's middle half▲ 2,581%€13,003below the sector's middle half▲ 2.2%€19,011below the sector's middle half▲ 46.2%€81,511within the sector's middle half▲ 329%€46,050within the sector's middle half▼ 43.5%
Total assets€53,514below the sector's middle half▲ 30.3%€51,328below the sector's middle half▼ 4.1%€88,069below the sector's middle half▲ 71.6%€152,056within the sector's middle half▲ 72.7%€124,413below the sector's middle half▼ 18.2%
Debt€40,788▲ 0.5%€38,326▼ 6.0%€69,058▲ 80.2%€70,545▲ 2.2%€78,363▲ 11.1%
Working capital€17,077▲ 466%€20,904▲ 22.4%€16,899▼ 19.2%€77,628▲ 359%€34,497▼ 55.6%
Solvency23.8%within the sector's middle half▲ 22.6pp25.3%within the sector's middle half▲ 1.6pp21.6%within the sector's middle half▼ 3.7pp53.6%within the sector's middle half▲ 32.0pp37.0%within the sector's middle half▼ 16.6pp
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 micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €33,570 after €101,503 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €123,793
Fixed assets
€13,732 ▲ 75.5%
Current assets
€110,062 ▼ 23.2%
Equity and liabilities €124,413
Equity
€46,050 ▼ 43.5%
Debt
€78,363 ▲ 11.1%
Debt's share of the balance-sheet total rises from 46.4% to 63.0%. Equity is lower and debt is higher.
Key figures and ratios
ROE
-77.0%▼
2024 · 76.7%
ROA
-28.5%▼
2024 · 41.1%
Debt ≤ 1 year
€75,565▲
2024 · €65,760
Debt > 1 year
€2,671▼
2024 · €4,758
Income taxes
€486▼
2024 · €35,590
Staff costs
€17,140
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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €100,000 | - | - |
| Remuneration, social security and pensions62 | €13,255 | €16,489 | - | - | €17,140 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,574 | €5,004 | €3,961 | €3,683 | €4,428 | ▲ 20.2% |
| Other operating charges640/8 | €1,840 | €3,591 | €2,353 | €1,701 | €2,930 | ▲ 72.2% |
| Non-recurring operating charges66A | - | - | - | €570 | - | - |
| Gross operating margin9900 | €41,302 | €30,333 | €19,795 | €107,457 | -€9,071 | ▼ 108% |
| Operating profit (loss)9901 | €20,633 | €5,248 | €13,481 | €101,503 | -€33,570 | ▼ 133% |
| Financial income75/76B | €184 | - | €0 | €68 | €1 | ▼ 98.4% |
| Recurring financial income75 | €184 | - | €0 | €68 | €1 | ▼ 98.4% |
| Financial charges65/66B | €1,428 | €1,185 | €1,455 | €3,481 | €1,407 | ▼ 59.6% |
| Recurring financial charges65 | €1,428 | €1,185 | €1,455 | €3,481 | €1,407 | ▼ 59.6% |
| Profit (loss) for the period before taxes9903 | €19,388 | €4,064 | €12,026 | €98,090 | -€34,975 | ▼ 136% |
| Income taxes67/77 | €7,137 | €3,787 | €6,017 | €35,590 | €486 | ▼ 98.6% |
| Profit (loss) for the period9904 | €12,251 | €277 | €6,009 | €62,500 | -€35,461 | ▼ 157% |
| Profit (loss) for the period to be appropriated9905 | €12,251 | €277 | €6,009 | €62,500 | -€35,461 | ▼ 157% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €53,514 | €51,328 | €88,069 | €152,056 | €124,413 | ▼ 18.2% |
| Formation expenses20 | - | - | €1,065 | €842 | €619 | ▼ 26.5% |
| Fixed assets21/28 | €8,568 | €5,018 | €10,115 | €7,825 | €13,732 | ▲ 75.5% |
| Intangible fixed assets21 | €7,830 | €3,375 | €570 | - | - | - |
| Tangible fixed assets22/27 | €739 | €1,644 | €9,546 | €7,825 | €13,732 | ▲ 75.5% |
| Plant, machinery and equipment23 | - | - | - | €941 | €2,891 | ▲ 207% |
| Furniture and vehicles24 | €739 | €1,644 | €9,125 | €6,562 | €4,215 | ▼ 35.8% |
| Other tangible fixed assets26 | - | - | €420 | €322 | €6,627 | ▲ 1,957% |
| Current assets29/58 | €44,946 | €46,310 | €76,889 | €143,388 | €110,062 | ▼ 23.2% |
| Stocks and contracts in progress3 | - | - | - | - | €52,599 | - |
| Stocks30/36 | - | - | - | - | €52,599 | - |
| Amounts receivable within one year40/41 | €34,635 | €29,422 | €38,856 | €19,529 | €46,389 | ▲ 138% |
| Trade receivables40 | €24,151 | €22,817 | €38,856 | €19,078 | €9,551 | ▼ 49.9% |
| Other amounts receivable41 | €10,484 | €6,605 | €0 | €451 | €36,838 | ▲ 8,070% |
| Cash at bank and in hand54/58 | €7,913 | €13,927 | €36,400 | €122,472 | €8,162 | ▼ 93.3% |
| Deferred charges and accrued income490/1 | €2,398 | €2,961 | €1,633 | €1,388 | €2,912 | ▲ 110% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €53,514 | €51,328 | €88,069 | €152,056 | €124,413 | ▼ 18.2% |
| Equity10/15 | €12,726 | €13,003 | €19,011 | €81,511 | €46,050 | ▼ 43.5% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €64,360 | €64,360 | = |
| Distributable reserves133 | €1,860 | €1,860 | €1,860 | €64,360 | €64,360 | = |
| Profit (loss) carried forward14 | €4,666 | €4,943 | €10,951 | €10,951 | -€24,510 | ▼ 324% |
| Amounts payable17/49 | €40,788 | €38,326 | €69,058 | €70,545 | €78,363 | ▲ 11.1% |
| Amounts payable after more than one year17 | €12,920 | €12,920 | €8,344 | €4,758 | €2,671 | ▼ 43.9% |
| Financial debts170/4 | €12,920 | €12,920 | €8,344 | €4,758 | €2,671 | ▼ 43.9% |
| Amounts payable within one year42/48 | €27,868 | €25,406 | €59,990 | €65,760 | €75,565 | ▲ 14.9% |
| Current portion of amounts payable after more than one year42 | €5,927 | €1,902 | €3,312 | €3,458 | €20,766 | ▲ 500% |
| Financial debts43 | €109 | - | €1,390 | - | - | - |
| Credit institutions430/8 | €109 | - | €1,390 | - | - | - |
| Trade debts44 | €11,949 | €9,654 | €28,810 | €9,387 | €14,475 | ▲ 54.2% |
| Suppliers440/4 | €11,949 | €9,654 | €28,810 | €9,387 | €14,475 | ▲ 54.2% |
| Advances received on contracts in progress46 | - | - | - | €4,148 | - | - |
| Taxes, remuneration and social security45 | €9,883 | €13,850 | €24,466 | €44,538 | €40,323 | ▼ 9.5% |
| Taxes450/3 | €9,883 | €13,850 | €18,466 | €44,538 | €39,016 | ▼ 12.4% |
| Remuneration and social security454/9 | - | - | €6,000 | - | €1,307 | - |
| Other amounts payable47/48 | - | - | €2,012 | €4,229 | - | - |
| Accrued charges and deferred income492/3 | - | - | €724 | €27 | €128 | ▲ 373% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €12,251 | €277 | €6,009 | €62,500 | -€35,461 | ▼ 157% |
| + Depreciation and write-downs630 | €5,574 | €5,004 | €3,961 | €3,683 | €4,428 | ▲ 20.2% |
| Operating cash flow (approximation) | €17,825 | €5,281 | €9,970 | €66,183 | -€31,033 | ▼ 147% |
| Investment in fixed assets (approximation) | - | -€1,454 | -€9,058 | -€1,393 | -€10,335 | ▼ 642% |
| Change in cash | - | €6,014 | €22,473 | €86,072 | -€114,310 | ▼ 233% |
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
2026
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet -€35,461
Net result drops to -€35,461, the lowest in the series.
17-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 78 days late
2024
31-12
Financial
Highest result since 2018net €62,500 ▲940%
Operating result €101,503, net result €62,500, both a record.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
17-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
2022
04-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 65 days late
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 90 days late
2020
16-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 108 days late
2019
26-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 57 days late
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 57 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Ans · 1 establishment unit since 2010
Ground area
534 m²
Building footprint
134 m²
Volume, LiDAR
1,443 m³
Parcel 62003A0770/00D002, Wallonia · tallest building 11.9 m, ±4 floors. Linked by address, not a title deed.
7
companies at this address
See who is registered here
1 establishment unit
FINHOME
since 20102.189.100.849
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62003A0770/00D002 | Wallonia | 534 m² | 1 · 134 m² | 11.9 m · 4 fl. |
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.
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Of 1,682 companies in sector 66191 we hold annual accounts for 1,230. 834 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
Founded27-05-2010
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
68310Real estate agency activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0826199577
Also
9925:BE0826199577
Registered
18-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.