FINANZ CONSULTING
ActiveFINANZ CONSULTING has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €401k and a net result of €157k. Equity is growing by ~32.9% per year across the filed fiscal years. Its solvency ranks better than 55% of 31642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
95
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability99▼-1
Solvency86▼-14
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 4.15 against 6.51 in 2024; short-term debt: 11.3% and cash: 43.7% of total assets), and 39.1% 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○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 · 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
60.9%
Return on assets
23.8%
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 31-07-2026, 0 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
on the day
2024
9 d early
2023
6 d late
2022
21 d late
2021
24 d late
2020
30 d late
2019
26 d late
← 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, micro schema
Equity
€401k▲ 51.6%
2024 · €265k
2018: €47k
2019: €66k
2020: €86k
2021: €113k
2022: €147k
2023: €189k
2024: €265k
2018 → 2025
Total assets
€658k▲ 112%
2024 · €311k
2018: €78k
2019: €94k
2020: €108k
2021: €132k
2022: €161k
2023: €234k
2024: €311k
2018 → 2025
Net result
€157k▼ 4.3%
2024 · €164k
2018: €21k
2019: €19k
2020: €20k
2021: €28k
2022: €34k
2023: €67k
2024: €164k
2018 → 2025
Working capital
€235k▼ 8.3%
2024 · €256k
2018: €37k
2019: €59k
2020: €82k
2021: €100k
2022: €137k
2023: €181k
2024: €256k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€113k-€147k▲ 30.2%€189k▲ 28.1%€265k▲ 40.2%€401k▲ 51.6%
Operating result€38k-€44k▲ 13.9%€85k▲ 94.6%€191k▲ 125%€218k▲ 13.9%
Net result€28k-€34k▲ 23.1%€67k▲ 97.4%€164k▲ 143%€157k▼ 4.3%
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 four years in a row; 2025 is 14% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €658k
Fixed assets
€349k▲ 4,019%
Current assets
€309k▲ 2.3%
Equity and liabilities €658k
Equity
€401k▲ 51.6%
Debt
€257k▲ 454%
The debt ratio rises from 14.9% to 39.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€224k▲
2024 · €194k
Cash flow
€163k▼
2024 · €166k
Solvency
60.9%▼
2024 · 85.1%
Current ratio
4.15▼
2024 · 6.51
Quick ratio
4.15▼
2024 · 6.51
Debt / equity
0.64▲
2024 · 0.18
ROE
39.1%▼
2024 · 62.0%
ROA
23.8%▼
2024 · 52.8%
Interest coverage
105.95▼
2024 · 682.99
Debt
€257k▲
2024 · €46k
Debt ≤ 1 year
€75k▲
2024 · €46k
Debt > 1 year
€183k
Income taxes
€61k▲
2024 · €34k
Staff costs
€4k▼
2024 · €6k
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€311k€658k▲
Fixed assets21/28€8k€349k▲
Tangible fixed assets22/27€8k€349k▲
Land and buildings22-€341k
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€2k€4k▲
Financial fixed assets28€789€289▼
Current assets29/58€302k€309k▲
Amounts receivable within one year40/41€30k€21k▼
Trade receivables40€28k€21k▼
Other amounts receivable41€2k€0▼
Cash at bank and in hand54/58€272k€288k▲
Deferred charges and accrued income490/1€1k€586▼
Equity and liabilities
Total equity and liabilities10/49€311k€658k▲
Equity10/15€265k€401k▲
Contributions10/11€33k€33k=
Reserves13€50k€30k▼
Non-distributable reserves130/1€2k€30k▲
Reserves not available under the articles1311€2k€30k▲
Distributable reserves133€48k-
Profit (loss) carried forward14€182k€339k▲
Amounts payable17/49€46k€257k▲
Amounts payable after more than one year17-€183k
Financial debts170/4-€183k
Amounts payable within one year42/48€46k€75k▲
Current portion of amounts payable after more than one year42-€17k
Trade debts44€6k€10k▲
Suppliers440/4€6k€10k▲
Taxes, remuneration and social security45€23k€28k▲
Taxes450/3€22k€28k▲
Remuneration and social security454/9€1k€0▼
Other amounts payable47/48€18k€19k▲
Income statement
Code20242025
Remuneration, social security and pensions62€6k€4k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€6k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€201k€229k▲
Operating profit (loss)9901€191k€218k▲
Financial income75/76B€7k€2k▼
Recurring financial income75€7k€2k▼
Financial charges65/66B€284€2k▲
Recurring financial charges65€284€2k▲
Profit (loss) for the period before taxes9903€198k€218k▲
Income taxes67/77€34k€61k▲
Profit (loss) for the period9904€164k€157k▼
Transfer from tax-exempt reserves789€0-
Profit (loss) for the period to be appropriated9905€164k€157k▼
Appropriation of the result
Profit (loss) to be appropriated9906€266k€339k▲
Profit (loss) brought forward from the previous period14P€102k€182k▲
Transfer from equity791/2€89k€20k▼
Transfer to equity691/2€84k-
To other reserves6921€84k-
Profit to be distributed694/7€89k€20k▼
Return on contributions (dividend)694€89k€20k▼
The notes to these accounts (12 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €164k ▲143%
Net result €164k, the highest in the series.
31-12
Financial
Equity above €200kEq €265k ▲40.2%
7 profitable years in a row build equity to €265k.
06-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 6 days late
2023
31-12
Financial
Equity above €150kEq €189k ▲28.1%
6 profitable years in a row build equity to €189k.
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 21 days late
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
31-12
Financial
Equity above €100kEq €113k ▲31.7%
4 profitable years in a row build equity to €113k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
2019
31-12
Financial
Weakest financial yearnet €19k ▼12.2%
Net result drops to €19k, the lowest in the series; recovery starts the following year.
05-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 5 days late
2018
13-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 13 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Lint · 1 establishment unit since 2016
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.
Lindelei 252547 LintGround area
1,379 m²
Building footprint
239 m²
Volume, LiDAR
1,084 m³
Parcel 11025D0171/02E003, Flanders · tallest building 7.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Finanz Consulting BV
since 20162.253.889.030
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11025D0171/02E003 | Flanders | 1,379 m² | 1 · 239 m² | 7.3 m · 1 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 585 EUR awarded · 585 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 585 EUR | 585 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 36,348 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-05-2016
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:filip@finanzconsulting.be