Finances Services Immo
ActiveSummary
Finances Services Immo has been active since 1978 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.09M and a net result of €29k. Equity is growing by ~11.4% per year across the filed fiscal years. Its solvency ranks better than 82% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72=
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €85k at 30 days acceptable
Liquidity ample (current ratio 5.15 against 4.32 in 2024; short-term debt: 14.4% and cash: 0.1% of total assets), and 15.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
84.5%
Return on assets
2.2%
Age of the figures
9 mo
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 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
55 d early
2023
36 d early
2022
11 d early
2021
25 d late
2020
14 d late
2019
59 d late
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€345k
EBIT margin
51.6%
Net result
€29k▼ 23.9%
2024 · €38k
2018: €50k
2019: €84k
2020: €112k
2021: €105k
2022: €112k
2023: €114k
2024: €38k
2018 → 2025
Working capital
€772k▲ 6.0%
2024 · €728k
2018: €286k
2019: €448k
2020: €435k
2021: €487k
2022: €580k
2023: €654k
2024: €728k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€345k
Equity€798k-€910k▲ 14.1%€1.02M▲ 12.6%€1.06M▲ 3.7%€1.09M▲ 2.7%
Operating result€168k-€178k▲ 5.5%€182k▲ 2.4%€70k▼ 61.5%€53k▼ 24.0%
Net result€105k-€112k▲ 6.8%€114k▲ 1.9%€38k▼ 67.0%€29k▼ 23.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 24% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.29M
Fixed assets
€333k ▼ 7.1%
Current assets
€958k ▲ 1.1%
Equity and liabilities €1.29M
Equity
€1.09M ▲ 2.7%
Debt
€200k ▼ 18.1%
Debt's share of the balance-sheet total falls from 18.7% to 15.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€79k▼
2024 · €95k
Cash flow
€54k▼
2024 · €63k
Current ratio
5.15▲
2024 · 4.32
Debt to equity
0.18▼
2024 · 0.23
ROE
2.6%▼
2024 · 3.5%
ROA
2.2%▼
2024 · 2.9%
Interest coverage
7.82▲
2024 · 7.65
Debt ≤ 1 year
€186k▼
2024 · €220k
Debt > 1 year
€6k▼
2024 · €15k
Income taxes
€14k▼
2024 · €20k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.31M€1.29M▼
Fixed assets21/28€358k€333k▼
Tangible fixed assets22/27€358k€333k▼
Land and buildings22€352k€328k▼
Plant, machinery and equipment23€6k€4k▼
Furniture and vehicles24€0€0=
Current assets29/58€948k€958k▲
Amounts receivable after more than one year29€500k€500k=
Other amounts receivable291€500k€500k=
Amounts receivable within one year40/41€447k€457k▲
Trade receivables40€44k€8k▼
Other amounts receivable41€404k€449k▲
Cash at bank and in hand54/58€387€855▲
Deferred charges and accrued income490/1€99€117▲
Equity and liabilities
Total equity and liabilities10/49€1.31M€1.29M▼
Equity10/15€1.06M€1.09M▲
Contributions10/11€20k€20k=
Reserves13€996k€1.02M▲
Distributable reserves133€996k€1.02M▲
Profit (loss) carried forward14€45k€47k▲
Amounts payable17/49€244k€200k▼
Amounts payable after more than one year17€15k€6k▼
Financial debts170/4€15k€6k▼
Amounts payable within one year42/48€220k€186k▼
Current portion of amounts payable after more than one year42€136k€133k▼
Financial debts43€7k€7k▲
Credit institutions430/8€7k€7k▲
Trade debts44€7k€6k▼
Suppliers440/4€7k€6k▼
Taxes, remuneration and social security45€71k€40k▼
Taxes450/3€71k€40k▼
Accrued charges and deferred income492/3€10k€7k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€26k▲
Other operating charges640/8€6k€6k▼
Gross operating margin9900€101k€84k▼
Operating profit (loss)9901€70k€53k▼
Financial income75/76B€24-
Recurring financial income75€24-
Financial charges65/66B€12k€10k▼
Recurring financial charges65€12k€10k▼
Profit (loss) for the period before taxes9903€58k€43k▼
Income taxes67/77€20k€14k▼
Profit (loss) for the period9904€38k€29k▼
Profit (loss) for the period to be appropriated9905€38k€29k▼
Appropriation of the result
Profit (loss) to be appropriated9906€81k€74k▼
Profit (loss) brought forward from the previous period14P€44k€45k▲
Transfer to equity691/2€36k€27k▼
To other reserves6921€36k€27k▼
The notes to these accounts (7 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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €29k ▼23.9%
Net result drops to €29k, the lowest in the series.
06-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €114k ▲1.9%
Operating result €182k, net result €114k, both a record.
31-12
Financial
Equity above €1MEq €1.02M ▲12.6%
6 profitable years in a row build equity to €1.02M.
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
14-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 14 days late
2020
28-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 59 days late
2019
31-12
Financial
Equity above €500kEq €580k ▲16.9%
2 profitable years in a row build equity to €580k.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 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.
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, La Louvière · 1 establishment unit since 1986
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.
Rue Evrard(PAU) 27100 La LouvièreGround area
448 m²
Building footprint
122 m²
Volume, LiDAR
750 m³
Parcel 55015A0082/00A036, Wallonia · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Evrard(PAU) 2, 7100 La Louvière
since 19862.028.869.123
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55015A0082/00A036 | Wallonia | 448 m² | 1 · 122 m² | 8.4 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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WVDP SERVICES
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manir
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CABRU
BE 0819.001.088
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 26,886 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-01-1978
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 47 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.