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 about 4.3% per year across the filed financial years. Its solvency ranks better than 57% of 1,846 sector peers (NACE 66, financial year 2025). The company has been active since 2002 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
- Staff
- 46 FTE
- Equity
- €1.4m
- Profit
- €568,845
- Parent
- GUDRUN GROUP · 100%
- Board
- 6 members
- Dirk BosmansManaging director
Signalslowers riskGrowing equityneutralLatest accounts filed on timeShow the evidence
Checked score
This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
This company filed its last 7 accounts on average 6 days before the deadline; the sector median (NACE 66) for financial year 2024 is 5 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
- Reappointments: Dirk Bosmans, Annick De Wit…Shareholding
- Annual accounts filedfinancial year 2025 · abbreviated…
- Highest result from 2018 to 2025net €568,845 ▲86.8%
Financials · financial year 2025, abbreviated format
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
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.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Average staff in full-time equivalents (FTE).
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Turnover70 | - | - | - | - | - | - | €7.1m | €9.2m | ▲ 30.8% |
| Non-recurring operating income76A | - | - | - | - | €0.005m | - | - | - | - |
| 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 | €0.2m | €0.2m | €0.1m | €0.09m | €0.1m | €0.2m | €0.3m | €0.4m | ▲ 39.9% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | - | - | - | - | - | €0.03m | - |
| Other operating charges640/8 | - | - | - | €0.01m | €0.01m | €0.01m | €0.02m | €0.02m | ▲ 43.1% |
| Gross operating margin9900 | €1.4m | €1.4m | €1.1m | €1.4m | €1.1m | €2.4m | €3.5m | €5.0m | ▲ 43.8% |
| Operating profit (loss)9901 | -€0.03m | -€0.1m | -€0.1m | €0.02m | -€0.4m | €0.02m | €0.4m | €0.8m | ▲ 125% |
| Financial income75/76B | - | - | - | €0.02m | €0.01m | €0.04m | €19 | €0.008m | ▲ 412× |
| Recurring financial income75 | €0.07m | €0.07m | €0.05m | €0.02m | €0.01m | €0.04m | €19 | €0.008m | ▲ 412× |
| Financial charges65/66B | - | - | - | €0.03m | €0.03m | €0.04m | €0.06m | €0.08m | ▲ 16.7% |
| Recurring financial charges65 | €0.03m | €0.03m | €0.03m | €0.03m | €0.03m | €0.04m | €0.06m | €0.08m | ▲ 16.7% |
| Profit (loss) for the period before taxes9903 | €0.007m | -€0.09m | -€0.08m | €0.01m | -€0.4m | €0.02m | €0.3m | €0.8m | ▲ 151% |
| Income taxes67/77 | €0.03m | -€0.01m | - | €0.003m | €0.001m | €0.003m | €0.003m | €0.2m | ▲ 60× |
| Profit (loss) for the period9904 | €0.008m | -€0.05m | -€0.07m | €0.01m | -€0.4m | €0.01m | €0.3m | €0.6m | ▲ 86.8% |
| Profit (loss) for the period to be appropriated9905 | €0.008m | -€0.05m | -€0.07m | €0.01m | -€0.4m | €0.01m | €0.3m | €0.6m | ▲ 86.8% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €2.2m | €2.1m | €1.8m | €2.0m | €1.6m | €1.6m | €2.2m | €3.1m | ▲ 41.0% |
| Fixed assets21/28 | €0.3m | €0.2m | €0.1m | €0.2m | €0.5m | €0.7m | €0.9m | €0.8m | ▼ 10.3% |
| Intangible fixed assets21 | €0.2m | €0.1m | €0.08m | €0.2m | €0.4m | €0.7m | €0.8m | €0.7m | ▼ 11.6% |
| Tangible fixed assets22/27 | €0.07m | €0.08m | €0.06m | €0.05m | €0.05m | €0.07m | €0.1m | €0.1m | = |
| Plant, machinery and equipment23 | - | - | - | - | - | - | €0.008m | - | - |
| Furniture and vehicles24 | - | - | - | €0.05m | €0.05m | €0.07m | €0.09m | €0.1m | ▲ 14.7% |
| Other tangible fixed assets26 | - | - | - | - | - | - | €0.005m | - | - |
| Financial fixed assets28 | €324 | €324 | €324 | €324 | €324 | €0.008m | €324 | €324 | = |
| Current assets29/58 | €1.9m | €2.0m | €1.6m | €1.8m | €1.1m | €0.8m | €1.3m | €2.3m | ▲ 77.5% |
| Amounts receivable within one year40/41 | €0.5m | €0.2m | €0.2m | €0.3m | €0.5m | €0.4m | €0.4m | €0.4m | ▼ 1.4% |
| Trade receivables40 | - | - | - | €0.3m | €0.5m | €0.4m | €0.4m | €0.4m | ▼ 3.3% |
| Other amounts receivable41 | - | - | - | €0.002m | - | - | €311 | €0.008m | ▲ 26× |
| Current investments50/53 | - | - | - | - | - | - | - | €0.6m | - |
| Cash at bank and in hand54/58 | €1.4m | €1.7m | €1.5m | €1.4m | €0.6m | €0.3m | €0.7m | €1.2m | ▲ 55.0% |
| Deferred charges and accrued income490/1 | - | - | - | €0.06m | €0.07m | €0.1m | €0.1m | €0.1m | ▼ 11.6% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €2.2m | €2.1m | €1.8m | €2.0m | €1.6m | €1.6m | €2.2m | €3.1m | ▲ 41.0% |
| Equity10/15 | €1.2m | €1.1m | €0.9m | €1.0m | €0.6m | €0.6m | €0.9m | €1.4m | ▲ 64.9% |
| Contributions10/11 | €0.5m | €0.5m | €0.5m | €0.5m | €0.5m | €0.5m | €0.5m | €0.5m | = |
| Capital10 | - | - | - | €0.5m | €0.5m | €0.5m | €0.5m | €0.5m | = |
| Issued capital100 | - | - | - | €0.5m | €0.5m | €0.5m | €0.5m | €0.5m | = |
| Reserves13 | €0.6m | €0.5m | €0.4m | €0.5m | €0.06m | €0.07m | €0.4m | €0.9m | ▲ 151% |
| Non-distributable reserves130/1 | - | - | - | €0.05m | €0.05m | €0.05m | €0.05m | €0.05m | = |
| Legal reserve130 | - | - | - | €0.05m | €0.05m | €0.05m | €0.05m | €0.05m | = |
| Distributable reserves133 | - | - | - | €0.4m | €0.009m | €0.02m | €0.3m | €0.9m | ▲ 174% |
| Provisions and deferred taxes16 | €0.05m | €0.01m | - | - | - | - | - | €0.03m | - |
| Provisions for liabilities and charges160/5 | - | - | - | - | - | - | - | €0.03m | - |
| Other liabilities and charges164/5 | - | - | - | - | - | - | - | €0.03m | - |
| Amounts payable17/49 | €1.0m | €1.1m | €0.8m | €1.0m | €1.0m | €1.0m | €1.3m | €1.6m | ▲ 23.1% |
| Amounts payable within one year42/48 | €0.8m | €0.8m | €0.6m | €0.8m | €0.8m | €1.0m | €1.3m | €1.6m | ▲ 24.9% |
| Trade debts44 | €0.4m | €0.4m | €0.3m | €0.4m | €0.4m | €0.5m | €0.6m | €0.7m | ▲ 27.8% |
| Suppliers440/4 | - | - | - | €0.4m | €0.4m | €0.5m | €0.6m | €0.7m | ▲ 27.8% |
| Advances received on contracts in progress46 | - | - | - | €0.3m | €0.2m | €0.1m | €0.2m | €0.2m | ▼ 4.8% |
| Taxes, remuneration and social security45 | - | - | - | €0.2m | €0.2m | €0.4m | €0.5m | €0.7m | ▲ 35.6% |
| Taxes450/3 | - | - | - | €0.03m | €0.05m | €0.07m | €0.1m | €0.1m | ▲ 13.2% |
| Remuneration and social security454/9 | - | - | - | €0.1m | €0.2m | €0.3m | €0.4m | €0.5m | ▲ 41.3% |
| Accrued charges and deferred income492/3 | - | - | - | €0.2m | €0.2m | €0.06m | €0.03m | €0.02m | ▼ 46.4% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €8,344 | -€51,851 | -€68,261 | €9,637 | -€398,630 | €12,912 | €304,485 | €568,845 | ▲ 86.8% |
| + Depreciation and write-downs630 | €200,758 | €224,009 | €124,997 | €90,115 | €113,112 | €184,531 | €266,135 | €372,440 | ▲ 39.9% |
| Operating cash flow (approximation) | €209,102 | €172,158 | €56,736 | €99,752 | -€285,519 | €197,443 | €570,620 | €941,285 | ▲ 65.0% |
| Investment in fixed assets (approximation) | - | -€119,428 | -€76,880 | -€179,828 | -€358,921 | -€454,523 | -€429,198 | -€278,869 | ▲ 35.0% |
| Change in cash | - | €342,720 | -€259,055 | -€44,235 | -€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.
Latest 10 of 24 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | abbreviated format | 01-06-2026 | 2026-00133886 |
| 31-12-2024 | abbreviated format | 07-07-2025 | 2025-00245914 |
| 31-12-2023 | abbreviated format | 30-07-2024 | 2024-00321255 |
| 31-12-2022 | abbreviated format | 20-12-2023 | 2023-00538714 |
| 31-12-2021 | abbreviated format | 30-06-2022 | 2022-20111204 |
| 31-12-2020 | abbreviated format | 29-07-2021 | 2021-43800367 |
| 31-12-2019 | abbreviated format | 28-05-2020 | 2020-13500558 |
| 31-12-2018 | abbreviated format | 19-07-2019 | 2019-34800196 |
| 31-12-2017 | abbreviated format | 11-07-2018 | 2018-31900566 |
| 31-12-2016 | abbreviated format | 23-06-2017 | 2017-21000582 |
Similar companies · same sector, comparable size
Subsidies and aid
Flemish government
2022 to 2023 · 2 entries · €10,461 awarded · €10,461 paid| Year | Entries | Awarded | Paid |
|---|---|---|---|
| 2023 | 1 | €8,664 | €8,664 |
| 2022 | 1 | €1,797 | €1,797 |
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Board 6
Day-to-day management 1
Permanent representatives 1
Not every act has been read: a resignation may still be missing
Mandate history
- Board
- Day-to-day management
- began earlier
| Name | Functions and periods |
|---|---|
| Annick De Wit |
|
| Dirk Bosmans |
|
| Jacques Hoornaert |
|
| Jans Bosmans |
|
| MJ3nv |
|
| MJ3nvfrom an act |
|
| MJ3 nv |
|
Owners and capital
Owners
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%
Sources: the companies' annual accounts, the acts in the Belgian Official Gazette and the LEI register. Annual accounts state the shareholders that notified the company under article 7:225 of the Code of Companies and Associations and the parent companies that consolidate it. 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 include these statements in its annual accounts, or does not have to, is not listed.
Capital and shareholders
- MJ3 nv
The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.
- 31-03-2025 Capital stated in the deed · €500,000 · 20,000 shares
Group and network
Connections & network
6 current directorsThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
01-07
Gazette deed
Reappointments: Dirk Bosmans, Annick De Wit and Jacques HoornaertShareholding5 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
31-03
Gazette deed
Resignation: MJ3 NV (director)Permanent representative: Jans Bosmans · Name change · Purpose change12 facts ▸
- General meeting, 21-03-2025
- Name change, finc
- Purpose change
- Kind of shares, “afschaffing onderverdeling in 2 soorten, schrapping iedere verwijzing naar soorten van aandelen” (deed in Dutch)
- Amendment of the articles, “Titel IV” (deed in Dutch)
- Amendment of the articles
- Capital, €500,000
- Other provision, “ongeldige samenstelling bestuursorgaan, bestuursorgaan met ingang van 2020-01-01 niet geldig samengesteld” (deed in Dutch)
- Director resignation, MJ3 NV (director)
- Permanent representative, Jans Bosmans
- Other provision, “alle handelingen sedert 2020-01-01 op welke wijze ook gesteld, bekrachtiging handelingen bestuursorgaan” (deed in Dutch)
- Other provision, “afgifte voor registratie, uittreksel afgeleverd voor registratie” (deed in Dutch)
31-10
Gazette deed
Reappointments: Dirk Bosmans, Annick De Wit and 3 othersPermanent representative: Jans Bosmans8 facts ▸
- General meeting, 30-06-2023
- Director reappointment, Dirk Bosmans (director and managing director)
- Director reappointment, Annick De Wit (director)
- Director reappointment, Jacques Hoornaert (director)
- Director reappointment, MJ3 nv (director)
- Permanent representative, Jans Bosmans (representative)
- Director reappointment, Jans Bosmans (director)
- Other provision, “vestigingseenheid, Kantersteen 47 te Brussel” (deed in Dutch)
11-06
Gazette deed
Reappointments: Dirk Bosmans, Annick De Wit and 3 others6 facts ▸
- General meeting, 30-06-2023
- Director reappointment, Dirk Bosmans (bestuurderengedelegeerdbestuurder)
- Director reappointment, Annick De Wit (director)
- Director reappointment, Jacques Hoornaert (director)
- Director reappointment, MJ3nv (director)
- Director reappointment, Jans Bosmans (director)
Show earlier events
About the unread acts
Of the 15 Belgian Official Gazette deeds we know for this company, 4 have been read. The other 11 have not been read yet: what they contain is neither established nor disproved here.
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 21804D0900/00E002 | Brussels | 6,828 m² | 1 · 7,874 m² | 44.7 m · 8 |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “Opmetingen, topografie, waardebepalingen, energiebeoordeling; Plaatsbeschrijvingen en expertises in de meest uitgebreide betekenis, met…” (deed in Dutch)
6 activities (deed in Dutch)
- Opmetingen, topografie, waardebepalingen, energiebeoordeling.
- Plaatsbeschrijvingen en expertises in de meest uitgebreide betekenis, met alles wat dit aan vaststellingen, bijstand, analyses en coördinatie kan inhouden, alsmede het uitvoeren van alle verrichtingen die hiermee verband houden.
- Studie en beheer inzake roerende en onroerende goederen, alsook advies en bijstand.
- De studie, de ontwikkeling, het management, de marketing en de coördinatie van projecten inzake onroerende goederen, zoals onder meer bouw-, verbouwings-, tuinbouw-, inrichtings- en decoratieprojecten, dit alles in de meest uitgebreide zin.
- Alle verrichtingen zowel betreffende roerende als onroerende goederen die rechtstreeks of onrechtstreeks met het bovenstaande verband of de verwezenlijking ervan kunnen bevorderen.
- De ontwikkeling, aankoop, verkoop en beheer van gegevensbestanden, digitale computersystemen, internet applicaties, netwerken alsmede beheer van netwerken van diensten en producten die de verwezenlijking van het doel bevorderen of veiligstellen.
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- GUDRUN XPERT
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Brussels Gewest” (deed in Dutch)
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- “Externe vertegenwoordigingsmacht. De raad van bestuur vertegenwoordigt als college de vennootschap in alle handelingen in en buiten rechte…”
- Board ruleHow the board is made up, meets and takes decisions.
- “6 jaar, 3” (deed in Dutch)
Oversight and winding up
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Blijft na ontbinding als rechtspersoon voortbestaan voor vereffening tot sluiting” (deed in Dutch)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Algemene vergadering ontbonden vennootschap kan te allen tijde bij gewone meerderheid een of meer vereffenaars benoemen of ontslaan…” (deed in Dutch)“Alle verrichtingen vermeld in bepalingen WVV tenzij algemene vergadering bij gewone meerderheid anders besluit, indien meerdere steeds als…” (deed in Dutch)