FINATIC
ActiveSummary
FINATIC has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-8k) and a net result of €-20k. Equity is shrinking by ~28.7% per year across the filed fiscal years. Its solvency ranks better than 10% of 2699 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-84
Solvency1▼-62
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.5 against 0.72 in 2024; short-term debt: 122.4% and cash: 10% of total assets), and equity is negative.
Credit check 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 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-23.8%
Return on assets
-62.4%
Age of the figures
9 mo
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
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-8k
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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
28 d early
2023
61 d early
2022
80 d early
2021
79 d early
2020
85 d early
2019
81 d early
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€-8k
2024 · €12k
2018: €9k
2019: €23k▲ +154% vs 2018highest in 8 years
2020: €18k▼ -19.3% vs 2019
2021: €14k▼ -25.4% vs 2020
2022: €8k▼ -41.0% vs 2021
2023: €8k▲ +2.3% vs 2022
2024: €12k▲ +47.6% vs 2023
2025: €-8k▼ -162% vs 2024lowest in 8 years
2018 → 2025
Total assets
€32k▼ 1.8%
2024 · €32k
2018: €63k
2019: €36k▼ -42.7% vs 2018
2020: €64k▲ +77.5% vs 2019highest in 8 years
2021: €41k▼ -35.8% vs 2020
2022: €49k▲ +17.5% vs 2021
2023: €33k▼ -32.9% vs 2022
2024: €32k▼ -1.5% vs 2023
2025: €32k▼ -1.8% vs 2024lowest in 8 years
2018 → 2025
Net result
€-20k
2024 · €4k
2018: €25khighest in 8 years
2019: €14k▼ -45.7% vs 2018
2020: €24k▲ +71.5% vs 2019
2021: €-5k▼ -120% vs 2020
2022: €14k▲ +395% vs 2021
2023: €7k▼ -47.5% vs 2022
2024: €4k▼ -45.4% vs 2023
2025: €-20k▼ -602% vs 2024lowest in 8 years
2018 → 2025
Working capital
€-19k▼ 252%
2024 · €-6k
2018: €5k
2019: €21k▲ +370% vs 2018highest in 8 years
2020: €15k▼ -30.6% vs 2019
2021: €5k▼ -65.3% vs 2020
2022: €-10k▼ -295% vs 2021
2023: €-7k▲ +27.7% vs 2022
2024: €-6k▲ +22.9% vs 2023
2025: €-19k▼ -252% vs 2024lowest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€14k-€8k▼ 41.0%€8k▲ 2.3%€12k▲ 47.6%€-8k
2021: €14khighest in 5 years
2022: €8k▼ -41.0% vs 2021
2023: €8k▲ +2.3% vs 2022
2024: €12k▲ +47.6% vs 2023
2025: €-8k▼ -162% vs 2024lowest in 5 years
Operating result€-4k-€21k€13k▼ 40.3%€9k▼ 30.6%€-16k
2021: €-4k
2022: €21k▲ +635% vs 2021highest in 5 years
2023: €13k▼ -40.3% vs 2022
2024: €9k▼ -30.6% vs 2023
2025: €-16k▼ -286% vs 2024lowest in 5 years
Net result€-5k-€14k€7k▼ 47.5%€4k▼ 45.4%€-20k
2021: €-5k
2022: €14k▲ +395% vs 2021highest in 5 years
2023: €7k▼ -47.5% vs 2022
2024: €4k▼ -45.4% vs 2023
2025: €-20k▼ -602% vs 2024lowest in 5 years
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €16k after €9k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €32k
Fixed assets
€12k ▼ 31.1%
Current assets
€19k ▲ 35.8%
Key figures and ratios
EBITDA
€-11k▼
2024 · €17k
Cash flow
€-14k▼
2024 · €12k
Solvency
-23.8%▼
2024 · 37.9%
Current ratio
0.50▼
2024 · 0.72
Debt to equity
-5.19▼
2024 · 1.64
ROA
-62.4%▼
2024 · 12.2%
Interest coverage
-3.60▼
2024 · 17.41
Debt
€39k▲
2024 · €20k
Debt ≤ 1 year
€39k▲
2024 · €20k
Income taxes
€587▼
2024 · €4k
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€32k€32k▼
Fixed assets21/28€18k€12k▼
Tangible fixed assets22/27€18k€12k▼
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€5k€2k▼
Other tangible fixed assets26€8k€6k▼
Current assets29/58€14k€19k▲
Amounts receivable within one year40/41€12k€14k▲
Trade receivables40€11k€14k▲
Other amounts receivable41€1k-
Cash at bank and in hand54/58-€3k
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€32k€32k▼
Equity10/15€12k€-8k▼
Contributions10/11€6k€6k=
Outside capital11€6k€6k=
Other1109/19€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€4k€-16k▼
Amounts payable17/49€20k€39k▲
Amounts payable within one year42/48€20k€39k▲
Current portion of amounts payable after more than one year42€4k-
Financial debts43€2k-
Credit institutions430/8€2k-
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€8k€10k▲
Taxes450/3€8k€10k▲
Other amounts payable47/48€2k€26k▲
Accrued charges and deferred income492/3€339€466▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€6k▼
Other operating charges640/8€407€400▼
Gross operating margin9900€17k€-10k▼
Operating profit (loss)9901€9k€-16k▼
Financial income75/76B€10-
Recurring financial income75€10-
Financial charges65/66B€956€3k▲
Recurring financial charges65€956€3k▲
Profit (loss) for the period before taxes9903€8k€-19k▼
Income taxes67/77€4k€587▼
Profit (loss) for the period9904€4k€-20k▼
Profit (loss) for the period to be appropriated9905€4k€-20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€4k€-16k▼
Profit (loss) brought forward from the previous period14P€185€4k▲
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2k | €7k | €8k | €8k | €6k | ▼ 29.2% |
| Other operating charges640/8 | €348 | €387 | €384 | €407 | €400 | ▼ 1.7% |
| Gross operating margin9900 | €-2k | €28k | €21k | €17k | €-10k | ▼ 160% |
| Operating profit (loss)9901 | €-4k | €21k | €13k | €9k | €-16k | ▼ 286% |
| Financial income75/76B | €500 | €1 | - | €10 | - | - |
| Recurring financial income75 | €500 | €1 | - | €10 | - | - |
| Financial charges65/66B | €554 | €1k | €860 | €956 | €3k | ▲ 207% |
| Recurring financial charges65 | €554 | €1k | €860 | €956 | €3k | ▲ 207% |
| Profit (loss) for the period before taxes9903 | €-4k | €20k | €12k | €8k | €-19k | ▼ 346% |
| Income taxes67/77 | €666 | €6k | €5k | €4k | €587 | ▼ 84.7% |
| Profit (loss) for the period9904 | €-5k | €14k | €7k | €4k | €-20k | ▼ 602% |
| Profit (loss) for the period to be appropriated9905 | €-5k | €14k | €7k | €4k | €-20k | ▼ 602% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €41k | €49k | €33k | €32k | €32k | ▼ 1.8% |
| Fixed assets21/28 | €9k | €21k | €16k | €18k | €12k | ▼ 31.1% |
| Tangible fixed assets22/27 | €9k | €21k | €16k | €18k | €12k | ▼ 31.1% |
| Plant, machinery and equipment23 | €923 | €1k | €500 | €5k | €4k | ▼ 25.4% |
| Furniture and vehicles24 | €2k | €12k | €7k | €5k | €2k | ▼ 52.3% |
| Other tangible fixed assets26 | €5k | €7k | €9k | €8k | €6k | ▼ 20.5% |
| Assets under construction and advance payments27 | €753 | - | - | - | - | - |
| Current assets29/58 | €33k | €28k | €16k | €14k | €19k | ▲ 35.8% |
| Amounts receivable within one year40/41 | €29k | €14k | €8k | €12k | €14k | ▲ 17.3% |
| Trade receivables40 | €29k | €14k | €8k | €11k | €14k | ▲ 31.1% |
| Other amounts receivable41 | - | - | €4 | €1k | - | - |
| Cash at bank and in hand54/58 | €3k | €13k | €5k | - | €3k | - |
| Deferred charges and accrued income490/1 | €542 | €1k | €3k | €2k | €2k | ▼ 11.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €41k | €49k | €33k | €32k | €32k | ▼ 1.8% |
| Equity10/15 | €14k | €8k | €8k | €12k | €-8k | ▼ 162% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Capital10 | €6k | - | - | - | - | - |
| Issued capital100 | €19k | - | - | - | - | - |
| Uncalled capital101 | €12k | - | - | - | - | - |
| Outside capital11 | - | €6k | €6k | €6k | €6k | = |
| Other1109/19 | - | €6k | €6k | €6k | €6k | = |
| Reserves13 | €2k | €2k | €2k | €2k | €2k | = |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €2k | €2k | = |
| Profit (loss) carried forward14 | €6k | €1 | €185 | €4k | €-16k | ▼ 479% |
| Amounts payable17/49 | €28k | €41k | €24k | €20k | €39k | ▲ 95.8% |
| Amounts payable after more than one year17 | - | €3k | €744 | - | - | - |
| Financial debts170/4 | - | €3k | €744 | - | - | - |
| Amounts payable within one year42/48 | €28k | €38k | €24k | €20k | €39k | ▲ 96.8% |
| Current portion of amounts payable after more than one year42 | - | €2k | €2k | €4k | - | - |
| Financial debts43 | - | - | - | €2k | - | - |
| Credit institutions430/8 | - | - | - | €2k | - | - |
| Trade debts44 | €3k | €2k | €6k | €4k | €3k | ▼ 13.4% |
| Suppliers440/4 | €3k | €2k | €6k | €4k | €3k | ▼ 13.4% |
| Taxes, remuneration and social security45 | €24k | €14k | €9k | €8k | €10k | ▲ 24.4% |
| Taxes450/3 | €24k | €14k | €9k | €8k | €10k | ▲ 24.4% |
| Other amounts payable47/48 | €1k | €20k | €7k | €2k | €26k | ▲ 1,123% |
| Accrued charges and deferred income492/3 | - | - | - | €339 | €466 | ▲ 37.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-5k | €14k | €7k | €4k | €-20k | ▼ 602% |
| + Depreciation and write-downs630 | €2k | €7k | €8k | €8k | €6k | ▼ 29.2% |
| Operating cash flow (approximation) | €-3k | €20k | €15k | €12k | €-14k | ▼ 219% |
| Investment in fixed assets (approximation) | - | €-19k | €-3k | €-10k | €0 | ▲ 100% |
| Change in cash | - | €9k | €-7k | - | - | - |
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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-20k
Net result drops to €-20k, the lowest in the series.
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
12-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
13-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
07-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
11-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity doublescurrent ratio 2.56
Current ratio from 1.08 to 2.56; short-term debt falls from €54k to €14k.
03-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Hoeilaart · 1 establishment unit since 2011
Ground area
1,126 m²
Building footprint
102 m²
Volume, LiDAR
741 m³
Parcel 23033A0735/00E028, Flanders · tallest building 9.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Albert Vanlaethemstraat 3, 1560 Hoeilaart
since 20112.202.337.191
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23033A0735/00E028 | Flanders | 1,126 m² | 1 · 102 m² | 9.6 m · 3 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 30,002 companies in sector 62200 we hold annual accounts for 18,390. 10,552 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
Founded31-08-2011
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
62900Other information technology and computer services
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.