FINBEHEER
ActiveSummary
FINBEHEER has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €647k and a net result of €5k. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 51% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69=
Solvency78=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 18.76 against 3.54 in 2024; short-term debt: 0.1% and cash: 2.1% of total assets), and 46.7% of the assets are financed with debt.
Credit check 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 · 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
53.3%
Return on assets
0.4%
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 04-06-2026, 57 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
57 d early
2024
14 d early
2023
48 d early
2022
60 d early
2021
59 d early
2020
58 d early
2019
16 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€647k▲ 0.8%
2024 · €642k
2018: €615k
2019: €622k
2020: €624k
2021: €629k
2022: €633k
2023: €636k
2024: €642k
2018 → 2025
Total assets
€1.21M▲ 0.2%
2024 · €1.21M
2018: €1.11M
2019: €1.14M
2020: €1.15M
2021: €1.19M
2022: €1.20M
2023: €1.20M
2024: €1.21M
2018 → 2025
Net result
€5k▼ 13.9%
2024 · €6k
2018: €11k
2019: €7k
2020: €3k
2021: €5k
2022: €4k
2023: €3k
2024: €6k
2018 → 2025
Working capital
€27k▲ 58.9%
2024 · €17k
2018: €875
2019: €3k
2020: €1k
2021: €10k
2022: €-52
2023: €10k
2024: €17k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€629k-€633k▲ 0.6%€636k▲ 0.4%€642k▲ 0.9%€647k▲ 0.8%
Operating result€6k-€6k▲ 2.4%€5k▼ 26.5%€7k▲ 58.0%€9k▲ 22.8%
Net result€5k-€4k▼ 17.5%€3k▼ 36.7%€6k▲ 130%€5k▼ 13.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 23% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.21M
Fixed assets
€1.18M ▼ 0.2%
Current assets
€28k ▲ 20.5%
Equity and liabilities €1.21M
Equity
€647k ▲ 0.8%
Debt
€566k ▼ 0.5%
Debt's share of the balance-sheet total falls from 47.0% to 46.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€11k▲
2024 · €10k
Cash flow
€7k▼
2024 · €8k
Current ratio
18.76▲
2024 · 3.54
Debt to equity
0.88▼
2024 · 0.89
ROE
0.8%▼
2024 · 0.9%
ROA
0.4%▼
2024 · 0.5%
Interest coverage
6.07▼
2024 · 109.15
Debt ≤ 1 year
€2k▼
2024 · €7k
Debt > 1 year
€565k▲
2024 · €562k
Income taxes
€2k▼
2024 · €3k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.21M€1.21M▲
Fixed assets21/28€1.19M€1.18M▼
Tangible fixed assets22/27€154k€152k▼
Land and buildings22€151k€151k=
Plant, machinery and equipment23€3k€1k▼
Financial fixed assets28€1.03M€1.03M▼
Current assets29/58€23k€28k▲
Amounts receivable within one year40/41€833€2k▲
Other amounts receivable41€833€2k▲
Cash at bank and in hand54/58€21k€25k▲
Deferred charges and accrued income490/1€1k€937▼
Equity and liabilities
Total equity and liabilities10/49€1.21M€1.21M▲
Equity10/15€642k€647k▲
Contributions10/11€620k€620k=
Capital10€620k€620k=
Issued capital100€620k€620k=
Reserves13€22k€27k▲
Non-distributable reserves130/1€4k€4k=
Legal reserve130€4k€4k=
Distributable reserves133€18k€23k▲
Amounts payable17/49€569k€566k▼
Amounts payable after more than one year17€562k€565k▲
Other amounts payable178/9€562k€565k▲
Amounts payable within one year42/48€7k€2k▼
Trade debts44€5k€2k▼
Suppliers440/4€5k€2k▼
Taxes, remuneration and social security45€1k-
Taxes450/3€1k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€141€144▲
Gross operating margin9900€10k€11k▲
Operating profit (loss)9901€7k€9k▲
Financial income75/76B€1k€10▼
Recurring financial income75€1k€10▼
Financial charges65/66B€93€2k▲
Recurring financial charges65€93€2k▲
Profit (loss) for the period before taxes9903€9k€7k▼
Income taxes67/77€3k€2k▼
Profit (loss) for the period9904€6k€5k▼
Profit (loss) for the period to be appropriated9905€6k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€6k€5k▼
Transfer to equity691/2€6k€5k▼
To the legal reserve6920€320-
To other reserves6921€6k€5k▼
The notes to these accounts (6 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
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Liquidity times 5current ratio 18.76
Current ratio from 3.54 to 18.76; short-term debt falls from €7k to €2k.
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity quadruplescurrent ratio 3.52
Current ratio from 0.99 to 3.52; short-term debt falls from €7k to €4k.
01-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
02-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
03-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €3k ▼61.8%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
15-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
01-06
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.
Directors · office · real estate
Directors
4 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, Kruisem · 1 establishment unit since 1990
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.
Huisepontweg (WAN) 289772 KruisemGround area
1,336 m²
Building footprint
207 m²
Volume, LiDAR
1,122 m³
Parcel 45053A0304/00D000, Flanders · tallest building 14.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Huisepontweg (WAN) 28, 9772 Kruisem
since 19902.049.583.670
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45053A0304/00D000 | Flanders | 1,336 m² | 1 · 207 m² | 14.2 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.
Similar companies · same sector, comparable size
SAROEN
BE 0880.456.528
Mechelen · Eq €646,676
MORETUS CONSULTANCY
BE 0861.544.793
Essen · Eq €646,911
CAULIER IMMOBILIER
BE 0447.122.191
Leuze-en-Hainaut · Eq €646,518
JADHER
BE 0833.915.532
Anderlecht · Eq €646,976
NiThi MANAGEMENT
BE 0762.697.835
Chaudfontaine · Eq €646,457
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 32,371 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 formPublic limited company
Founded17-08-1990
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.