Financo 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 €196k and a net result of €149k. Equity is growing by ~179.3% per year across the filed fiscal years. Its solvency ranks better than 38% of 2429 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Three signals. 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 15-07-2026, 16 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
16 d early
2024
14 d early
2023
27 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€196k▲ 314%
2024 · €47k
2023: €26k
2024: €47k
2023 → 2025
Net result
€149k▲ 598%
2024 · €21k
2023: €1k
2024: €21k
2023 → 2025
Total assets
€539k▲ 46.8%
2024 · €368k
2023: €162k
2024: €368k
2023 → 2025
Solvency
36.4%▲ 23.5pp
2024 · 12.9%
2023: 16.1%
2024: 12.9%
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€26k-€47k▲ 81.6%€196k▲ 314%
Operating result€3k-€34k▲ 1,022%€198k▲ 480%
Net result€1k-€21k▲ 1,818%€149k▲ 598%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 480% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €539k
Fixed assets
€199k▲ 247%
Current assets
€340k▲ 9.7%
Equity and liabilities €539k
Equity
€196k▲ 314%
Debt
€343k▲ 7.2%
The debt ratio falls from 87.1% to 63.6%. Equity and debt are higher.
Key figures and ratios
Solvency
36.4%▲
2024 · 12.9%
ROE
75.8%▲
2024 · 44.9%
ROA
27.6%▲
2024 · 5.8%
Debt
€343k▲
2024 · €320k
Debt ≤ 1 year
€124k▼
2024 · €133k
Debt > 1 year
€40k=
2024 · €40k
Income taxes
€46k▲
2024 · €12k
Staff costs
€184k▲
2024 · €131k
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€368k€539k▲
Fixed assets21/28€57k€199k▲
Intangible fixed assets21€25k€45k▲
Tangible fixed assets22/27€32k€155k▲
Land and buildings22€21k€142k▲
Plant, machinery and equipment23€6k€8k▲
Furniture and vehicles24€5k€5k▼
Current assets29/58€310k€340k▲
Amounts receivable within one year40/41€19k€5k▼
Trade receivables40-€1k
Other amounts receivable41€19k€4k▼
Cash at bank and in hand54/58€5k€16k▲
Deferred charges and accrued income490/1€286k€319k▲
Equity and liabilities
Total equity and liabilities10/49€368k€539k▲
Equity10/15€47k€196k▲
Contributions10/11€25k€25k=
Reserves13€22k€171k▲
Distributable reserves133€22k€171k▲
Amounts payable17/49€320k€343k▲
Amounts payable after more than one year17€40k€40k=
Financial debts170/4€40k€40k=
Amounts payable within one year42/48€133k€124k▼
Trade debts44€5k€65k▲
Suppliers440/4€5k€65k▲
Taxes, remuneration and social security45€26k€34k▲
Taxes450/3€13k-
Remuneration and social security454/9€13k€34k▲
Other amounts payable47/48€101k€25k▼
Accrued charges and deferred income492/3€147k€179k▲
Income statement
Code20242025
Non-recurring operating income76A€6k-
Remuneration, social security and pensions62€131k€184k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€25k▲
Other operating charges640/8€296€2k▲
Gross operating margin9900€178k€409k▲
Operating profit (loss)9901€34k€198k▲
Financial income75/76B€7-
Recurring financial income75€7-
Financial charges65/66B€1k€3k▲
Recurring financial charges65€1k€3k▲
Profit (loss) for the period before taxes9903€33k€195k▲
Income taxes67/77€12k€46k▲
Profit (loss) for the period9904€21k€149k▲
Profit (loss) for the period to be appropriated9905€21k€149k▲
Appropriation of the result
Profit (loss) to be appropriated9906€21k€149k▲
Transfer to equity691/2€21k€149k▲
To other reserves6921€21k€149k▲
The notes to these accounts (10 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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €149k ▲598%
Operating result €198k, net result €149k, both a record.
31-12
Financial
Equity above €150kEq €196k ▲314%
3 profitable years in a row build equity to €196k.
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro 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, Oudenaarde · 2 establishment units since 2022
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.
Zandstraat 59700 OudenaardeGround area
3,271 m²
Building footprint
695 m²
Volume, LiDAR
8,258 m³
3 parcels, Flanders · tallest building 23.5 m, ±8 floors. Linked by address, not a title deed.
2 establishment units
Financo
since 20222.336.027.343
Financo
since 20252.380.727.715
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45014A0189/00K000 | Flanders | 2,029 m² | 1 · 272 m² | 9.4 m · 2 fl. |
| 45035B0899/03D000 | Flanders | 992 m² | 1 · 298 m² | 15.6 m · 5 fl. |
| 35386D0223/00P008 | Flanders | 250 m² | 1 · 125 m² | 23.5 m · 8 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Legal Entity Identifier
64886OZ0Q918YQ6AF376
Similar companies · same sector, comparable size
EUROCREDIT Luxembourg
BE 0447.016.283
Tenneville · Eq €196k
Mistellie Finance & Tax
BE 0783.860.067
Gent · Eq €196k
DCQ Consult
BE 0778.554.068
Nazareth-De Pinte · Eq €197k
TRIBUTUM
BE 0771.833.156
Eeklo · Eq €198k
ESE.Invest
BE 0745.792.616
Veurne · Eq €199k
Of 1,507 companies in sector 66199 we hold annual accounts for 917. 647 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-06-2022
Fiscal year end31-12
Activities, NACEBEL
66199Other activities auxiliary to financial services, excluding insurance and pension funding
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.