FinBeez
ActiveSummary
FinBeez has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €98,633 and a net result of €25,161. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 49% of 17220 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability87▲+87
Solvency84▲+61
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7,000 at 30 days acceptable
Liquidity ample (current ratio 1.59 against 0.79 in 2024; short-term debt: 41.3% and cash: 0.8% of total assets), and 41.3% of the assets are financed with debt.
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Signals
Three 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 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← 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
58.7%
Return on assets
15%
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 15-07-2026, 16 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
16 d early
2024
21 d late
2023
20 d late
2022
27 d early
2021
25 d early
2020
2 d early
2019
26 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 on the deadline day; the sector median for financial year 2024 is 9 days before the deadline, and 33% 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. Usually files around 15 July (5 of the last 5 filed years within 37 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€98,633
2024 · -€1,527
Total assets
€167,938▲ 156%
2024 · €65,519
Net result
€25,161
2024 · -€22,013
Working capital
€40,637
2024 · -€14,213
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related 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
Operating result-€5,981€22,278-€833-€20,245▼ 2,331%€30,480
Net result-€6,172below the sector's middle half€21,890within the sector's middle half-€1,329below the sector's middle half-€22,013below the sector's middle half▼ 1,556%€25,161within the sector's middle half
Equity-€74below the sector's middle half€21,816below the sector's middle half€20,486below the sector's middle half▼ 6.1%-€1,527below the sector's middle half€98,633within the sector's middle half
Total assets€4,139below the sector's middle half▼ 53.4%€54,037below the sector's middle half▲ 1,206%€68,620below the sector's middle half▲ 27.0%€65,519below the sector's middle half▼ 4.5%€167,938within the sector's middle half▲ 156%
Debt€4,213▲ 50.8%€32,222▲ 665%€48,133▲ 49.4%€67,046▲ 39.3%€69,304▲ 3.4%
Working capital-€253below the sector's middle half€21,637within the sector's middle half€4,121below the sector's middle half▼ 81.0%-€14,213below the sector's middle half€40,637within the sector's middle half
Solvency40.4%within the sector's middle half29.9%below the sector's middle half▼ 10.5pp-2.3%below the sector's middle half▼ 32.2pp58.7%within the sector's middle half▲ 61.1pp
Current ratio1.67within the sector's middle half1.09below the sector's middle half▼ 0.590.79below the sector's middle half▼ 0.301.59within the sector's middle half▲ 0.80
Return on assets (ROA)40.5%above the sector's middle half-1.9%below the sector's middle half▼ 42.4pp-33.6%below the sector's middle half▼ 31.7pp15.0%within the sector's middle half▲ 48.6pp
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
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 returns to profit in 2025: €30,480 after a loss of €20,245 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €167,938
Fixed assets
€57,996 ▲ 357%
Current assets
€109,942 ▲ 108%
Equity and liabilities €167,938
Equity
€98,633
Debt
€69,304
Debt finances 41.3% of the balance-sheet total.
Key figures and ratios
EBITDA
€38,210▲
2024 · -€16,745
Cash flow
€32,891▲
2024 · -€18,513
Debt to equity
0.70▲
2024 · -43.91
ROE
25.5%
Interest coverage
31.84▲
2024 · -39.38
Debt ≤ 1 year
€69,304▲
2024 · €67,046
Income taxes
€4,119▲
2024 · €1,343
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,975 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,975 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | €134 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | €1,314 | €3,500 | €7,730 | ▲ 121% |
| Other operating charges640/8 | €469 | €893 | €569 | €1,055 | €585 | ▼ 44.5% |
| Gross operating margin9900 | -€5,511 | €23,171 | €1,185 | -€15,691 | €38,795 | ▲ 347% |
| Operating profit (loss)9901 | -€5,981 | €22,278 | -€833 | -€20,245 | €30,480 | ▲ 251% |
| Financial income75/76B | - | €58 | - | - | - | - |
| Recurring financial income75 | - | €58 | - | - | - | - |
| Financial charges65/66B | €191 | €447 | €497 | €425 | €1,200 | ▲ 182% |
| Recurring financial charges65 | €191 | €447 | €497 | €425 | €1,200 | ▲ 182% |
| Profit (loss) for the period before taxes9903 | -€6,172 | €21,890 | -€1,329 | -€20,670 | €29,279 | ▲ 242% |
| Income taxes67/77 | - | - | - | €1,343 | €4,119 | ▲ 207% |
| Profit (loss) for the period9904 | -€6,172 | €21,890 | -€1,329 | -€22,013 | €25,161 | ▲ 214% |
| Profit (loss) for the period to be appropriated9905 | -€6,172 | €21,890 | -€1,329 | -€22,013 | €25,161 | ▲ 214% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €4,139 | €54,037 | €68,620 | €65,519 | €167,938 | ▲ 156% |
| Fixed assets21/28 | €179 | €179 | €16,365 | €12,686 | €57,996 | ▲ 357% |
| Intangible fixed assets21 | - | - | €16,186 | €12,686 | €57,996 | ▲ 357% |
| Financial fixed assets28 | €179 | €179 | €179 | - | - | - |
| Current assets29/58 | €3,960 | €53,858 | €52,254 | €52,833 | €109,942 | ▲ 108% |
| Amounts receivable within one year40/41 | €751 | €53,204 | €52,172 | €52,775 | €108,653 | ▲ 106% |
| Trade receivables40 | - | - | - | €48,250 | €98,250 | ▲ 104% |
| Other amounts receivable41 | €751 | €53,204 | €52,172 | €4,525 | €10,403 | ▲ 130% |
| Cash at bank and in hand54/58 | €3,029 | €88 | €82 | €58 | €1,289 | ▲ 2,122% |
| Deferred charges and accrued income490/1 | €179 | €566 | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €4,139 | €54,037 | €68,620 | €65,519 | €167,938 | ▲ 156% |
| Equity10/15 | -€74 | €21,816 | €20,486 | -€1,527 | €98,633 | ▲ 6,559% |
| Contributions10/11 | €18,584 | €18,584 | €18,584 | €18,584 | €93,584 | ▲ 404% |
| Outside capital11 | €18,584 | - | - | - | - | - |
| Other1109/19 | €18,584 | - | - | - | - | - |
| Reserves13 | - | €3,232 | €1,902 | - | - | - |
| Distributable reserves133 | - | €3,232 | €1,902 | - | - | - |
| Profit (loss) carried forward14 | -€18,658 | - | - | -€20,111 | €5,049 | ▲ 125% |
| Amounts payable17/49 | €4,213 | €32,222 | €48,133 | €67,046 | €69,304 | ▲ 3.4% |
| Amounts payable within one year42/48 | €4,213 | €32,222 | €48,133 | €67,046 | €69,304 | ▲ 3.4% |
| Trade debts44 | €4,213 | €32,222 | €39,319 | €42,582 | €58,011 | ▲ 36.2% |
| Suppliers440/4 | €4,213 | €32,222 | €39,319 | €42,582 | €58,011 | ▲ 36.2% |
| Taxes, remuneration and social security45 | - | - | - | - | €3,546 | - |
| Taxes450/3 | - | - | - | - | €3,546 | - |
| Other amounts payable47/48 | - | - | €8,815 | €24,464 | €7,748 | ▼ 68.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€6,172 | €21,890 | -€1,329 | -€22,013 | €25,161 | ▲ 214% |
| + Depreciation and write-downs630 | - | - | €1,314 | €3,500 | €7,730 | ▲ 121% |
| Operating cash flow (approximation) | -€6,172 | €21,890 | -€16 | -€18,513 | €32,891 | ▲ 278% |
| Investment in fixed assets (approximation) | - | €0 | -€17,500 | €179 | -€53,040 | ▼ 29,731% |
| Change in cash | - | -€2,941 | -€6 | -€24 | €1,231 | ▲ 5,180% |
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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €25,161
Net result €25,161 after 2 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 1.59
Current ratio from 0.79 to 1.59.
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
31-12
Financial
Weakest financial yearnet -€22,013
Net result drops to -€22,013, the lowest in the series; recovery starts the following year.
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €21,890
Net result €21,890 after one loss-making year.
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €13,445
Net result €13,445 after 2 loss-making years.
31-12
Financial
Liquidity times 5current ratio 3.18
Current ratio from 0.68 to 3.18; short-term debt falls from €22,777 to €2,793.
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 26 days late
2019
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
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, Kontich · 1 establishment unit since 2017
Ground area
1.3 ha
Building footprint
3,127 m²
Volume, LiDAR
34,108 m³
Parcel 11024B0082/00K000, Flanders · tallest building 14.5 m, ±4 floors. Linked by address, not a title deed.
10
companies at this address
See who is registered here
1 establishment unit
FinBeez
since 20172.261.445.825
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11024B0082/00K000 | Flanders | 1.3 ha | 1 · 3,127 m² | 14.5 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 30,009 companies in sector 62200 we hold annual accounts for 18,399. 15,580 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
Founded07-02-2017
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0670824680
Also
9925:BE0670824680
Registered
24-11-2023
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.