Summary
finc 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 €1.4m and a net result of €568,845. Equity is shrinking by ~4.3% per year across the filed fiscal years. Its solvency ranks better than 57% of 1501 sector peers (fiscal year 2025). The company has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
Two signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €1.4m
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 01-06-2026, 60 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
60 d early
2024
24 d early
2023
1 d early
2022
142 d late
2021
31 d early
2020
2 d early
2019
64 d early
← 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 6 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% 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 7 July (4 of the last 5 filed years within 36 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, abbreviated schema
In the rankings
#1 fastest grower in the Brussels-Capital Region, Auxiliary financial services sector
Equity
€1.4m▲ 64.9%
2024 · €876,006
Net result
€568,845▲ 86.8%
2024 · €304,485
Total assets
€3.1m▲ 41.0%
2024 · €2.2m
Solvency
46.8%▲ 6.8pp
2024 · 40.0%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance 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
Turnover€7.1m€9.2m▲ 30.8%
Operating result€21,836-€379,732€16,822€372,646▲ 2,115%€839,563▲ 125%
Net result€9,637below the sector's middle half-€398,630below the sector's middle half€12,912below the sector's middle half€304,485above the sector's middle half▲ 2,258%€568,845above the sector's middle half▲ 86.8%
Equity€957,239above the sector's middle half▲ 1.0%€558,608within the sector's middle half▼ 41.6%€571,521within the sector's middle half▲ 2.3%€876,006above the sector's middle half▲ 53.3%€1.4mabove the sector's middle half▲ 64.9%
Total assets€2.0mabove the sector's middle half▲ 11.7%€1.6mwithin the sector's middle half▼ 19.7%€1.6mwithin the sector's middle half▼ 0.3%€2.2mabove the sector's middle half▲ 37.2%€3.1mabove the sector's middle half▲ 41.0%
Debt€1.0m▲ 23.7%€1.0m▲ 0.6%€1.0m▼ 1.7%€1.3m▲ 28.2%€1.6m▲ 23.1%
Working capital€937,159above the sector's middle half▼ 11.7%€298,968within the sector's middle half▼ 68.1%-€118,890below the sector's middle half-€3,244within the sector's middle half▲ 97.3%€668,815above the sector's middle half
Solvency48.0%within the sector's middle half▼ 5.1pp34.9%within the sector's middle half▼ 13.1pp35.8%within the sector's middle half▲ 0.9pp40.0%within the sector's middle half▲ 4.2pp46.8%within the sector's middle half▲ 6.8pp
Current ratio2.14within the sector's middle half▼ 0.691.36within the sector's middle half▼ 0.780.88below the sector's middle half▼ 0.491.00within the sector's middle half▲ 0.121.42within the sector's middle half▲ 0.42
Return on assets (ROA)0.5%below the sector's middle half▲ 4.3pp-24.9%below the sector's middle half▼ 25.4pp0.8%below the sector's middle half▲ 25.7pp13.9%within the sector's middle half▲ 13.1pp18.4%within the sector's middle half▲ 4.5pp
Staff (FTE)17.6above the sector's middle half▼ 6.4%16.1above the sector's middle half▼ 8.5%29.2above the sector's middle half▲ 81.4%35.2above the sector's middle half▲ 20.5%46above the sector's middle half▲ 30.7%
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 125% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.1m
Fixed assets
€818,787 ▼ 10.3%
Current assets
€2.3m ▲ 77.5%
Equity and liabilities €3.1m
Equity
€1.4m ▲ 64.9%
Provisions
€25,000
Debt
€1.6m ▲ 23.1%
Debt's share of the balance-sheet total falls from 60.0% to 52.4%. Equity and debt are higher.
Key figures and ratios
ROE
39.4%▲
2024 · 34.8%
Debt ≤ 1 year
€1.6m▲
2024 · €1.3m
Income taxes
€202,943▲
2024 · €3,389
Staff costs
€3.7m▲
2024 · €2.8m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | - | - | - | €7.1m | €9.2m | ▲ 30.8% |
| Non-recurring operating income76A | - | €5,133 | - | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | - | €3.7m | €4.4m | ▲ 18.2% |
| Remuneration, social security and pensions62 | €1.2m | €1.3m | €2.2m | €2.8m | €3.7m | ▲ 32.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €90,115 | €113,112 | €184,531 | €266,135 | €372,440 | ▲ 39.9% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | - | - | €25,000 | - |
| Other operating charges640/8 | €14,311 | €14,030 | €11,891 | €15,621 | €22,351 | ▲ 43.1% |
| Gross operating margin9900 | €1.4m | €1.1m | €2.4m | €3.5m | €5.0m | ▲ 43.8% |
| Operating profit (loss)9901 | €21,836 | -€379,732 | €16,822 | €372,646 | €839,563 | ▲ 125% |
| Financial income75/76B | €20,157 | €13,143 | €36,413 | €19 | €7,827 | ▲ 41,095% |
| Recurring financial income75 | €20,157 | €13,143 | €36,413 | €19 | €7,827 | ▲ 41,095% |
| Financial charges65/66B | €29,780 | €30,759 | €37,678 | €64,791 | €75,602 | ▲ 16.7% |
| Recurring financial charges65 | €29,780 | €30,759 | €37,678 | €64,791 | €75,602 | ▲ 16.7% |
| Profit (loss) for the period before taxes9903 | €12,213 | -€397,348 | €15,557 | €307,874 | €771,788 | ▲ 151% |
| Income taxes67/77 | €2,576 | €1,282 | €2,645 | €3,389 | €202,943 | ▲ 5,888% |
| Profit (loss) for the period9904 | €9,637 | -€398,630 | €12,912 | €304,485 | €568,845 | ▲ 86.8% |
| Profit (loss) for the period to be appropriated9905 | €9,637 | -€398,630 | €12,912 | €304,485 | €568,845 | ▲ 86.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.0m | €1.6m | €1.6m | €2.2m | €3.1m | ▲ 41.0% |
| Fixed assets21/28 | €233,494 | €479,303 | €749,295 | €912,358 | €818,787 | ▼ 10.3% |
| Intangible fixed assets21 | €188,042 | €427,281 | €666,663 | €806,515 | €712,987 | ▼ 11.6% |
| Tangible fixed assets22/27 | €45,128 | €51,698 | €74,908 | €105,519 | €105,476 | = |
| Plant, machinery and equipment23 | - | - | - | €8,368 | - | - |
| Furniture and vehicles24 | €45,128 | €51,698 | €74,908 | €91,920 | €105,476 | ▲ 14.7% |
| Other tangible fixed assets26 | - | - | - | €5,231 | - | - |
| Financial fixed assets28 | €324 | €324 | €7,724 | €324 | €324 | = |
| Current assets29/58 | €1.8m | €1.1m | €847,782 | €1.3m | €2.3m | ▲ 77.5% |
| Amounts receivable within one year40/41 | €275,947 | €470,292 | €430,309 | €406,463 | €400,733 | ▼ 1.4% |
| Trade receivables40 | €274,342 | €470,292 | €430,309 | €406,152 | €392,733 | ▼ 3.3% |
| Other amounts receivable41 | €1,605 | - | - | €311 | €8,000 | ▲ 2,472% |
| Current investments50/53 | - | - | - | - | €600,000 | - |
| Cash at bank and in hand54/58 | €1.4m | €578,920 | €307,234 | €748,145 | €1.2m | ▲ 55.0% |
| Deferred charges and accrued income490/1 | €55,422 | €73,109 | €110,239 | €123,754 | €109,388 | ▼ 11.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.0m | €1.6m | €1.6m | €2.2m | €3.1m | ▲ 41.0% |
| Equity10/15 | €957,239 | €558,608 | €571,521 | €876,006 | €1.4m | ▲ 64.9% |
| Contributions10/11 | €500,000 | €500,000 | €500,000 | €500,000 | €500,000 | = |
| Capital10 | €500,000 | €500,000 | €500,000 | €500,000 | €500,000 | = |
| Issued capital100 | €500,000 | €500,000 | €500,000 | €500,000 | €500,000 | = |
| Reserves13 | €457,239 | €58,608 | €71,521 | €376,006 | €944,851 | ▲ 151% |
| Non-distributable reserves130/1 | €50,000 | €50,000 | €50,000 | €50,000 | €50,000 | = |
| Legal reserve130 | €50,000 | €50,000 | €50,000 | €50,000 | €50,000 | = |
| Distributable reserves133 | €407,239 | €8,608 | €21,521 | €326,006 | €894,851 | ▲ 174% |
| Provisions and deferred taxes16 | - | - | - | - | €25,000 | - |
| Provisions for liabilities and charges160/5 | - | - | - | - | €25,000 | - |
| Other liabilities and charges164/5 | - | - | - | - | €25,000 | - |
| Amounts payable17/49 | €1.0m | €1.0m | €1.0m | €1.3m | €1.6m | ▲ 23.1% |
| Amounts payable within one year42/48 | €823,187 | €823,353 | €966,672 | €1.3m | €1.6m | ▲ 24.9% |
| Trade debts44 | €408,343 | €421,565 | €466,480 | €568,670 | €726,661 | ▲ 27.8% |
| Suppliers440/4 | €408,343 | €421,565 | €466,480 | €568,670 | €726,661 | ▲ 27.8% |
| Advances received on contracts in progress46 | €261,215 | €154,085 | €138,637 | €228,951 | €217,900 | ▼ 4.8% |
| Taxes, remuneration and social security45 | €153,629 | €247,702 | €361,555 | €483,985 | €656,106 | ▲ 35.6% |
| Taxes450/3 | €29,606 | €51,188 | €72,645 | €98,718 | €111,785 | ▲ 13.2% |
| Remuneration and social security454/9 | €124,023 | €196,515 | €288,910 | €385,267 | €544,321 | ▲ 41.3% |
| Accrued charges and deferred income492/3 | €213,414 | €219,662 | €58,884 | €33,108 | €17,751 | ▼ 46.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €9,637 | -€398,630 | €12,912 | €304,485 | €568,845 | ▲ 86.8% |
| + Depreciation and write-downs630 | €90,115 | €113,112 | €184,531 | €266,135 | €372,440 | ▲ 39.9% |
| Operating cash flow (approximation) | €99,752 | -€285,519 | €197,443 | €570,620 | €941,285 | ▲ 65.0% |
| Investment in fixed assets (approximation) | - | -€358,921 | -€454,523 | -€429,198 | -€278,869 | ▲ 35.0% |
| Change in cash | - | -€850,057 | -€271,685 | €440,911 | €411,216 | ▼ 6.7% |
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
01-07
State Gazette act
Reappointments: Dirk Bosmans, Annick De Wit and Jacques HoornaertShareholding5 facts ▸
State Gazette act
Reappointments: Dirk Bosmans, Annick De Wit and Jacques Hoornaert
Shareholding5 facts ▸
- General meeting, 08-05-2026
- Director reappointment, Dirk Bosmans (director and managing director)
- Director reappointment, Annick De Wit (director)
- Director reappointment, Jacques Hoornaert (director)
- Shareholding, MJ3 nv
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €568,845 ▲86.8%
Operating result €839,563, net result €568,845, both a record.
31-12
Financial
Equity above €1mEq €1.4m ▲64.9%
3 profitable years in a row build equity to €1.4m.
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €12,912
Net result €12,912 after one loss-making year.
20-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 142 days late
2022
31-12
Financial
Weakest financial yearnet -€398,630
Net result drops to -€398,630, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €9,637
Net result €9,637 after 2 loss-making years.
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Show earlier events
2020
28-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
11-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
23-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 15 acts read
About the unread acts
Of the 15 Belgian State Gazette acts we know for this company, 1 has been read. The other 14 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
under verification
This board is reconstructed from a single act (26084004). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
Board 3
Annick De Wit
CurrentDirector
Dirk Bosmans
CurrentDirector and managing director
Jacques Hoornaert
CurrentDirector
Day-to-day management 1
Dirk Bosmans
CurrentDirector and managing director
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
14 of this company's 15 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Brussel · 1 establishment unit since 2002
Ground area
6,828 m²
Building footprint
7,874 m²
Volume, LiDAR
179,427 m³
Parcel 21804D0900/00E002, Brussels · tallest building 44.7 m, ±8 floors. Linked by address, not a title deed.
263
companies at this address
See who is registered here
1 establishment unit
finc
since 20022.100.584.983
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21804D0900/00E002 | Brussels | 6,828 m² | 1 · 7,874 m² | 44.7 m · 8 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.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Mandate history
3 people since 2026, 3 in office
- Board
- Day-to-day management
- began earlier
| Name | Functions and periods |
|---|---|
| Annick De Wit |
|
| Dirk Bosmans |
|
| Jacques Hoornaert |
|
Structure & network
Owners and holdings
1 ownerChain of control
- GUDRUN GROUP
- finc
Highest known parent: GUDRUN GROUP. The sources do not say who stands above it.
Owners 1
- GUDRUN GROUPparent100%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
3 current directorsThe network starts from this company’s directors. Other companies they run appear here as nodes.
This company
Company
Director
Shareholding
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Capital and shareholders
Shareholders according to the acts
Stated in the act
act of 01-07-2026 ↗
- MJ3 nv
The Belgian State Gazette names shareholders only when an act mentions them; the share register itself is not published.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 10,461 EUR awarded · 10,461 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 8,664 EUR | 8,664 EUR |
| 2022 | 1 | 1,797 EUR | 1,797 EUR |
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Of 853 companies in sector 66210 we hold annual accounts for 511. 242 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded10-04-2002
Fiscal year end31-12
Activities, NACEBEL 2025
66210Risk and damage evaluation
71122Land surveying
Contact
E-mail
contact@finc.beBrussel
Phone
02/515.12.40Brussel
E-invoicing
Reachable via Peppol
Peppol ID
0208:0477315422
Registered
01-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.