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FINCENT

Active
Public limited companyfounded 200124 yrs activeLeopoldlaan 4, 9300 Aalst, BelgiumKBO/BCE: BE 0476.180.621
Summary

FINCENT has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €37,422 and a net result of -€16,577. Equity is growing by ~9.6% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.8% (low).

Checked score

Score 2025
Axes · tick = 2024
Profitability0▼-66
Solvency96▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,500 at 30 days acceptable
Liquidity ample (current ratio 4.56 against 2.3 in 2024; short-term debt: 21.9% and cash: 77.9% of total assets), and 28.6% of the assets are financed with debt.
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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 24 years 0 30 y
lowers risk · Lower-risk legal form
Companies with this legal form statistically fail less often than a BV.
KBO · legal form
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 2025
Solvency, return and age of the figures
Solvency
71.4%
Return on assets
-31.7%
Age of the figures
12 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
1819202122232425
2018 to 2025 · latest year -€16,577
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
on the day
2024
on the day
2023
on the day
2022
2 d early
2021
6 d late
2020
46 d early
2019
on the day
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 6 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven months
Position in the running window
28-09-2026 today30-09-2026 close30-04-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

FINCENT was incorporated on 28 November 2001.1 Total assets fell from EUR 243,162 in 2018 to EUR 52,377 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2025

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Financials · fiscal year 2025, abbreviated schema

Equity
€37,422▼ 30.7%
2024 · €53,999
Total assets
€52,377▼ 32.9%
2024 · €78,078
Net result
-€16,577▼ 787%
2024 · -€1,868
Working capital
€40,885▲ 183%
2024 · €14,464
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result€8,553▲ 25.8%€2,651▼ 69.0%€28,337▲ 969%-€894-€16,133▼ 1,705%
Net result€5,421▲ 60.1%€852▼ 84.3%€26,355▲ 2,994%-€1,868-€16,577▼ 787%
Equity€28,660▲ 23.3%€29,512▲ 3.0%€55,867▲ 89.3%€53,999▼ 3.3%€37,422▼ 30.7%
Total assets€186,759▼ 10.7%€158,435▼ 15.2%€111,206▼ 29.8%€78,078▼ 29.8%€52,377▼ 32.9%
Debt€158,100▼ 15.0%€128,923▼ 18.5%€55,339▼ 57.1%€24,079▼ 56.5%€14,955▼ 37.9%
Working capital-€105,378▲ 10.9%-€64,056▲ 39.2%-€28,242▲ 55.9%€14,464€40,885▲ 183%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
-€20,000€0€20,000Operating result 2021: €8,553€8,553Net result 2021: €5,421€5,421Operating result 2022: €2,651€2,651Net result 2022: €852€852Operating result 2023: €28,337€28,337Net result 2023: €26,355€26,355Operating result 2024: -€894-€894Net result 2024: -€1,868-€1,868Operating result 2025: -€16,133-€16,133Net result 2025: -€16,577-€16,57720212022202320242025-€20,000€0€20,000Operating result 2023: €28,337€28,300Net result 2023: €26,355€26,400Operating result 2024: -€894-€894Net result 2024: -€1,868-€1,870Operating result 2025: -€16,133-€16,100Net result 2025: -€16,577-€16,600202320242025
The operating result stays negative: a loss of €16,133 in 2025 against €894 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €52,377
Equity €37,422 ▼ 30.7%
Debt €14,955 ▼ 37.9%
Debt's share of the balance-sheet total falls from 30.8% to 28.6%. Equity and debt are lower.
Key figures and ratios
2025 value · change against 2024
Current ratio
4.56▲
2024 · 2.30
Debt to equity
0.40▼
2024 · 0.45
ROE
-44.3%▼
2024 · -3.5%
ROA
-31.7%▼
2024 · -2.4%
Debt ≤ 1 year
€11,492▲
2024 · €11,114
Debt > 1 year
€2,618▼
2024 · €12,965
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 5,836 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 84% are still going.

  • Micro
  • 20 years or older
  • solvency 30% or more
  • a loss of 10% of the balance sheet or more
1.5% went bankrupt
13% stopped otherwise
84% still going

A further 0.7% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.8% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 5,836 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
Filed annual accounts As filed with the NBB · 2025 against 2024 · 37 lines
Balance sheet Code20242025
Assets
Total assets20/58€78,078€52,377▼
Fixed assets21/28€52,500-
Intangible fixed assets21€52,500-
Current assets29/58€25,578€52,377▲
Cash at bank and in hand54/58€13,259€40,821▲
Deferred charges and accrued income490/1€12,319€11,555▼
Equity and liabilities
Total equity and liabilities10/49€78,078€52,377▼
Equity10/15€53,999€37,422▼
Contributions10/11€61,973€61,973=
Capital10€61,973€61,973=
Issued capital100€61,973€61,973=
Reserves13€6,197€6,197=
Non-distributable reserves130/1€6,197€6,197=
Legal reserve130€6,197€6,197=
Profit (loss) carried forward14-€14,172-€30,749▼
Amounts payable17/49€24,079€14,955▼
Amounts payable after more than one year17€12,965€2,618▼
Financial debts170/4€12,965€2,618▼
Amounts payable within one year42/48€11,114€11,492▲
Current portion of amounts payable after more than one year42€10,145€10,346▲
Trade debts44-€144
Suppliers440/4-€144
Other amounts payable47/48€969€1,001▲
Accrued charges and deferred income492/3-€845
Income statement Code20242025
Non-recurring operating income76A-€3,000
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17,500-
Other operating charges640/8€787€889▲
Non-recurring operating charges66A€37,218€52,500▲
Gross operating margin9900€54,612€37,256▼
Operating profit (loss)9901-€894-€16,133▼
Financial charges65/66B€974€444▼
Recurring financial charges65€974€444▼
Profit (loss) for the period before taxes9903-€1,868-€16,577▼
Profit (loss) for the period9904-€1,868-€16,577▼
Profit (loss) for the period to be appropriated9905-€1,868-€16,577▼
Appropriation of the result
Profit (loss) to be appropriated9906-€14,172-€30,749▼
Profit (loss) brought forward from the previous period14P-€12,304-€14,172▼

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Non-recurring operating income76A--€8,427-€3,000-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€49,197€47,722€38,813€17,500--
Other operating charges640/8€683€1,308€787€787€889▲ 12.9%
Non-recurring operating charges66A---€37,218€52,500▲ 41.1%
Gross operating margin9900€58,432€51,681€67,937€54,612€37,256▼ 31.8%
Operating profit (loss)9901€8,553€2,651€28,337-€894-€16,133▼ 1,705%
Financial charges65/66B€3,131€1,800€1,982€974€444▼ 54.4%
Recurring financial charges65€3,131€1,800€1,982€974€444▼ 54.4%
Profit (loss) for the period before taxes9903€5,421€852€26,355-€1,868-€16,577▼ 787%
Profit (loss) for the period9904€5,421€852€26,355-€1,868-€16,577▼ 787%
Profit (loss) for the period to be appropriated9905€5,421€852€26,355-€1,868-€16,577▼ 787%
Line20212022202320242025Change
Assets
Total assets20/58€186,759€158,435€111,206€78,078€52,377▼ 32.9%
Fixed assets21/28€170,034€142,184€107,218€52,500--
Intangible fixed assets21€170,034€142,184€107,218€52,500--
Current assets29/58€16,725€16,250€3,988€25,578€52,377▲ 105%
Cash at bank and in hand54/58€435€3,401€3,436€13,259€40,821▲ 208%
Deferred charges and accrued income490/1€16,290€12,849€552€12,319€11,555▼ 6.2%
Equity and liabilities
Total equity and liabilities10/49€186,759€158,435€111,206€78,078€52,377▼ 32.9%
Equity10/15€28,660€29,512€55,867€53,999€37,422▼ 30.7%
Contributions10/11€61,973€61,973€61,973€61,973€61,973=
Capital10€61,973€61,973€61,973€61,973€61,973=
Issued capital100€61,973€61,973€61,973€61,973€61,973=
Reserves13€6,197€6,197€6,197€6,197€6,197=
Non-distributable reserves130/1€6,197€6,197€6,197€6,197€6,197=
Legal reserve130€6,197€6,197€6,197€6,197€6,197=
Profit (loss) carried forward14-€39,511-€38,659-€12,304-€14,172-€30,749▼ 117%
Amounts payable17/49€158,100€128,923€55,339€24,079€14,955▼ 37.9%
Amounts payable after more than one year17€35,996€48,617€23,110€12,965€2,618▼ 79.8%
Financial debts170/4€35,996€48,617€23,110€12,965€2,618▼ 79.8%
Amounts payable within one year42/48€122,103€80,307€32,230€11,114€11,492▲ 3.4%
Current portion of amounts payable after more than one year42€20,083€30,189€25,507€10,145€10,346▲ 2.0%
Trade debts44€3,136€117--€144-
Suppliers440/4€3,136€117--€144-
Other amounts payable47/48€98,885€50,000€6,723€969€1,001▲ 3.3%
Accrued charges and deferred income492/3----€845-
Line20212022202320242025Change
Profit (loss) for the period9904€5,421€852€26,355-€1,868-€16,577▼ 787%
+ Depreciation and write-downs630€49,197€47,722€38,813€17,500--
Operating cash flow (approximation)€54,618€48,573€65,168€15,632-€16,577▼ 206%
Investment in fixed assets (approximation)--€19,872-€3,847€37,218--
Change in cash-€2,966€35€9,823€27,562▲ 181%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 30-04-2027
2026
30-04
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial Weakest financial yearnet -€16,577
Net result drops to -€16,577, the lowest in the series.
30-04
NBB filing Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial Liquidity times 19current ratio 2.30
Current ratio from 0.12 to 2.30; short-term debt falls from €32,230 to €11,114.
30-04
NBB filing Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial Highest result since 2018net €26,355 ▲2,994%
Operating result €28,337, net result €26,355, both a record.
28-04
NBB filing Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
06-05
NBB filing Annual accounts filed
fiscal year 2021 · abbreviated schema · 6 days late
2021
15-03
NBB filing Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial Back to profitnet €3,385
Net result €3,385 after one loss-making year.
30-04
NBB filing Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-04
NBB filing Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-05
NBB filing Annual accounts filed
fiscal year 2017 · abbreviated schema · 29 days late
2017
30-03
NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts

We know of 7 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
7 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, Aalst · 1 establishment unit since 2002
seat establishment The establishment unit on the map
Ground area
939 m²
Building footprint
361 m²
Volume, LiDAR
2,586 m³
2 parcels, Flanders · tallest building 15.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
FINANCIEEL CENTRUM
Kerkstraat 9, 8830 HoogledeActivities auxiliary to financial services and insurance activities
since 20022.115.603.157
2 parcels
Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
36006B0932/00T000 Flanders 745 m² 1 · 167 m² 10.5 m · 2 fl.
41303E0493/00A004 Flanders 194 m² 1 · 194 m² 15.3 m · 3 fl.
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Identification & contact

Identification
Legal formPublic limited company
Founded28-11-2001
Fiscal year end30-09
Contact
E-mail info@fincent.beHooglede
Phone 0479/29.98.83Hooglede
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

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Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.