FINCH
ActiveSummary
FINCH has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €185k and a net result of €45k. Equity is growing by ~18.7% per year across the filed fiscal years. Its solvency ranks better than 80% of 17090 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability94=
Solvency100=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 6.25 against 5.79 in 2024; short-term debt: 15.8% and cash: 3.9% of total assets), and 15.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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
84.2%
Return on assets
20.5%
Age of the figures
9 mo
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
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
2 d early
2023
2 d late
2022
28 d early
2021
9 d early
2020
9 d early
2019
22 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€185k▲ 9.7%
2024 · €169k
2018: €241khighest in 8 years
2019: €43k▼ -82.2% vs 2018lowest in 8 years
2020: €62k▲ +43.3% vs 2019
2021: €84k▲ +36.0% vs 2020
2022: €109k▲ +29.7% vs 2021
2023: €128k▲ +17.7% vs 2022
2024: €169k▲ +31.7% vs 2023
2025: €185k▲ +9.7% vs 2024
2018 → 2025
Total assets
€220k▲ 8.1%
2024 · €203k
2018: €280khighest in 8 years
2019: €65k▼ -76.7% vs 2018lowest in 8 years
2020: €83k▲ +27.6% vs 2019
2021: €103k▲ +23.7% vs 2020
2022: €132k▲ +28.6% vs 2021
2023: €152k▲ +14.6% vs 2022
2024: €203k▲ +33.9% vs 2023
2025: €220k▲ +8.1% vs 2024
2018 → 2025
Net result
€45k▲ 10.7%
2024 · €41k
2018: €1klowest in 8 years
2019: €27k▲ +2046% vs 2018
2020: €19k▼ -31.7% vs 2019
2021: €22k▲ +19.2% vs 2020
2022: €25k▲ +12.2% vs 2021
2023: €34k▲ +35.6% vs 2022
2024: €41k▲ +20.3% vs 2023
2025: €45k▲ +10.7% vs 2024highest in 8 years
2018 → 2025
Working capital
€183k▲ 9.6%
2024 · €167k
2018: €39klowest in 8 years
2019: €40k▲ +0.9% vs 2018
2020: €56k▲ +41.0% vs 2019
2021: €74k▲ +32.9% vs 2020
2022: €99k▲ +33.2% vs 2021
2023: €123k▲ +24.4% vs 2022
2024: €167k▲ +35.2% vs 2023
2025: €183k▲ +9.6% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€84k-€109k▲ 29.7%€128k▲ 17.7%€169k▲ 31.7%€185k▲ 9.7%
2021: €84klowest in 5 years
2022: €109k▲ +29.7% vs 2021
2023: €128k▲ +17.7% vs 2022
2024: €169k▲ +31.7% vs 2023
2025: €185k▲ +9.7% vs 2024highest in 5 years
Operating result€33k-€37k▲ 11.0%€48k▲ 32.3%€55k▲ 13.4%€62k▲ 13.3%
2021: €33klowest in 5 years
2022: €37k▲ +11.0% vs 2021
2023: €48k▲ +32.3% vs 2022
2024: €55k▲ +13.4% vs 2023
2025: €62k▲ +13.3% vs 2024highest in 5 years
Net result€22k-€25k▲ 12.2%€34k▲ 35.6%€41k▲ 20.3%€45k▲ 10.7%
2021: €22klowest in 5 years
2022: €25k▲ +12.2% vs 2021
2023: €34k▲ +35.6% vs 2022
2024: €41k▲ +20.3% vs 2023
2025: €45k▲ +10.7% vs 2024highest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 13% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €220k
Fixed assets
€2k ▲ 24.7%
Current assets
€217k ▲ 7.9%
Equity and liabilities €220k
Equity
€185k ▲ 9.7%
Debt
€35k ▼ 0.1%
Debt's share of the balance-sheet total falls from 17.1% to 15.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€63k▲
2024 · €58k
Cash flow
€46k▲
2024 · €43k
Current ratio
6.25▲
2024 · 5.79
Debt to equity
0.19▼
2024 · 0.21
ROE
24.3%▲
2024 · 24.1%
ROA
20.5%▲
2024 · 20.0%
Interest coverage
51.77▲
2024 · 47.82
Debt ≤ 1 year
€35k▼
2024 · €35k
Income taxes
€17k▲
2024 · €16k
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 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€203k€220k▲
Fixed assets21/28€2k€2k▲
Tangible fixed assets22/27€2k€2k▲
Furniture and vehicles24€2k€2k▲
Current assets29/58€201k€217k▲
Amounts receivable within one year40/41€55k€58k▲
Trade receivables40€55k€58k▲
Current investments50/53€90k€150k▲
Cash at bank and in hand54/58€57k€9k▼
Deferred charges and accrued income490/1-€904
Equity and liabilities
Total equity and liabilities10/49€203k€220k▲
Equity10/15€169k€185k▲
Reserves13€169k€185k▲
Distributable reserves133€169k€185k▲
Amounts payable17/49€35k€35k▼
Amounts payable within one year42/48€35k€35k▼
Trade debts44€6k€1k▼
Suppliers440/4€6k€1k▼
Taxes, remuneration and social security45€21k€23k▲
Taxes450/3€21k€23k▲
Other amounts payable47/48€8k€10k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€1k▼
Other operating charges640/8€379€473▲
Gross operating margin9900€58k€64k▲
Operating profit (loss)9901€55k€62k▲
Financial income75/76B€3k€1k▼
Recurring financial income75€3k€1k▼
Financial charges65/66B€1k€1k▲
Recurring financial charges65€1k€1k▲
Profit (loss) for the period before taxes9903€56k€62k▲
Income taxes67/77€16k€17k▲
Profit (loss) for the period9904€41k€45k▲
Profit (loss) for the period to be appropriated9905€41k€45k▲
Appropriation of the result
Profit (loss) to be appropriated9906€41k€45k▲
Transfer from equity791/2-€29k
Transfer to equity691/2€41k€45k▲
To other reserves6921€41k€45k▲
Profit to be distributed694/7-€29k
Return on contributions (dividend)694-€29k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3k | €4k | €5k | €3k | €1k | ▼ 57.4% |
| Other operating charges640/8 | €283 | €418 | €604 | €379 | €473 | ▲ 24.8% |
| Gross operating margin9900 | €36k | €41k | €54k | €58k | €64k | ▲ 10.0% |
| Operating profit (loss)9901 | €33k | €37k | €48k | €55k | €62k | ▲ 13.3% |
| Financial income75/76B | €121 | - | €20 | €3k | €1k | ▼ 45.5% |
| Recurring financial income75 | €121 | - | €20 | €3k | €1k | ▼ 45.5% |
| Financial charges65/66B | €2k | €2k | €2k | €1k | €1k | ▲ 1.5% |
| Recurring financial charges65 | €2k | €2k | €2k | €1k | €1k | ▲ 1.5% |
| Profit (loss) for the period before taxes9903 | €31k | €35k | €47k | €56k | €62k | ▲ 10.9% |
| Income taxes67/77 | €9k | €10k | €13k | €16k | €17k | ▲ 11.3% |
| Profit (loss) for the period9904 | €22k | €25k | €34k | €41k | €45k | ▲ 10.7% |
| Profit (loss) for the period to be appropriated9905 | €22k | €25k | €34k | €41k | €45k | ▲ 10.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €103k | €132k | €152k | €203k | €220k | ▲ 8.1% |
| Fixed assets21/28 | €9k | €10k | €5k | €2k | €2k | ▲ 24.7% |
| Tangible fixed assets22/27 | €9k | €10k | €5k | €2k | €2k | ▲ 24.7% |
| Furniture and vehicles24 | €9k | €10k | €5k | €2k | €2k | ▲ 24.7% |
| Current assets29/58 | €94k | €123k | €147k | €201k | €217k | ▲ 7.9% |
| Amounts receivable within one year40/41 | €37k | €42k | €45k | €55k | €58k | ▲ 5.6% |
| Trade receivables40 | €36k | €42k | €45k | €55k | €58k | ▲ 5.6% |
| Other amounts receivable41 | €266 | - | - | - | - | - |
| Current investments50/53 | - | - | €90k | €90k | €150k | ▲ 66.9% |
| Cash at bank and in hand54/58 | €57k | €81k | €12k | €57k | €9k | ▼ 85.0% |
| Deferred charges and accrued income490/1 | €88 | - | - | - | €904 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €103k | €132k | €152k | €203k | €220k | ▲ 8.1% |
| Equity10/15 | €84k | €109k | €128k | €169k | €185k | ▲ 9.7% |
| Contributions10/11 | €13k | €13k | - | - | - | - |
| Reserves13 | €71k | €96k | €128k | €169k | €185k | ▲ 9.7% |
| Non-distributable reserves130/1 | €2k | €2k | - | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | - | - | - | - |
| Distributable reserves133 | €69k | €94k | €128k | €169k | €185k | ▲ 9.7% |
| Amounts payable17/49 | €19k | €24k | €24k | €35k | €35k | ▼ 0.1% |
| Amounts payable within one year42/48 | €19k | €24k | €24k | €35k | €35k | ▼ 0.1% |
| Trade debts44 | €938 | €2k | €1k | €6k | €1k | ▼ 74.4% |
| Suppliers440/4 | €938 | €2k | €1k | €6k | €1k | ▼ 74.4% |
| Taxes, remuneration and social security45 | €18k | €20k | €17k | €21k | €23k | ▲ 10.4% |
| Taxes450/3 | €18k | €20k | €12k | €21k | €23k | ▲ 10.4% |
| Remuneration and social security454/9 | - | - | €5k | - | - | - |
| Other amounts payable47/48 | - | €2k | €5k | €8k | €10k | ▲ 23.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €22k | €25k | €34k | €41k | €45k | ▲ 10.7% |
| + Depreciation and write-downs630 | €3k | €4k | €5k | €3k | €1k | ▼ 57.4% |
| Operating cash flow (approximation) | €25k | €29k | €39k | €43k | €46k | ▲ 6.4% |
| Investment in fixed assets (approximation) | - | €-4k | €0 | €0 | €-2k | - |
| Change in cash | - | €24k | €-68k | €45k | €-48k | ▼ 208% |
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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €45k ▲10.7%
Operating result €62k, net result €45k, both a record.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150kEq €169k ▲31.7%
7 profitable years in a row build equity to €169k.
02-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 2 days late
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €109k ▲29.7%
5 profitable years in a row build equity to €109k.
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-07
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.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Boechout · 1 establishment unit since 2008
Ground area
1,942 m²
Building footprint
143 m²
Volume, LiDAR
650 m³
Parcel 11004A0051/00K000, Flanders · tallest building 6.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Finch
since 20082.172.494.548
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11004A0051/00K000 | Flanders | 1,942 m² | 1 · 143 m² | 6.3 m · 2 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 29,993 companies in sector 62200 we hold annual accounts for 18,396. 15,075 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
Founded31-07-2008
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
Scores and ratios are computed by Checked and are not a credit decision.