Finch Expertise
ActiveFinch Expertise has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €88k and a net result of €38k. Its solvency ranks better than 75% of 3478 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+10
Growth52
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 3.71 against 2.87 in 2024; short-term debt: 25.3% and cash: 84.5% of total assets), and 25.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 74
Relative position
BE, all sectors
reference
Sector 74
lower
← 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
74.7%
Return on assets
32.7%
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 07-06-2026, 54 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
54 d early
2024
56 d early
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€106k
EBIT margin
46.1%
Net result
€38k▼ 17.3%
2024 · €46k
2024: €46k
2024 → 2025
Working capital
€81k▲ 63.2%
2024 · €49k
2024: €49k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Turnover€106k
Equity€49k-€88k▲ 77.7%
Operating result€60k-€49k▼ 19.6%
Net result€46k-€38k▼ 17.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 20% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €118k
Fixed assets
€7k
Current assets
€111k
Equity and liabilities €118k
Equity
€88k▲ 77.7%
Debt
€30k▲ 12.3%
The debt ratio falls from 34.9% to 25.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€49k
Cash flow
€39k
Solvency
74.7%▲
2024 · 65.1%
Current ratio
3.71▲
2024 · 2.87
Quick ratio
3.71▲
2024 · 2.87
Debt / equity
0.34▼
2024 · 0.54
ROE
43.7%▼
2024 · 93.9%
ROA
32.7%▼
2024 · 61.2%
Interest coverage
113.88
Debt
€30k▲
2024 · €26k
Debt ≤ 1 year
€30k▲
2024 · €26k
Income taxes
€10k▼
2024 · €14k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€76k€118k▲
Fixed assets21/28-€7k
Tangible fixed assets22/27-€7k
Furniture and vehicles24-€7k
Current assets29/58€76k€111k▲
Amounts receivable within one year40/41€5k€11k▲
Trade receivables40€5k€11k▲
Cash at bank and in hand54/58€71k€99k▲
Deferred charges and accrued income490/1€244-
Equity and liabilities
Total equity and liabilities10/49€76k€118k▲
Equity10/15€49k€88k▲
Contributions10/11€3k€3k=
Reserves13€46k€84k▲
Non-distributable reserves130/1€0-
Other1319€0-
Distributable reserves133€46k€84k▲
Profit (loss) carried forward14€476€476=
Amounts payable17/49€26k€30k▲
Amounts payable within one year42/48€26k€30k▲
Financial debts43€5k€1k▼
Credit institutions430/8€5k€1k▼
Trade debts44€605€1k▲
Suppliers440/4€605€1k▲
Taxes, remuneration and social security45€18k€27k▲
Taxes450/3€18k€27k▲
Other amounts payable47/48€2k€0▼
Income statement
Code20242025
Turnover70-€106k
Goods, raw materials, services and sundry goods60/61-€57k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€220
Other operating charges640/8€62-
Gross operating margin9900€61k€49k▼
Operating profit (loss)9901€60k€49k▼
Financial income75/76B€935€492▼
Recurring financial income75€935€492▼
Financial charges65/66B€976€429▼
Recurring financial charges65€976€429▼
Profit (loss) for the period before taxes9903€60k€49k▼
Income taxes67/77€14k€10k▼
Profit (loss) for the period9904€46k€38k▼
Profit (loss) for the period to be appropriated9905€46k€38k▼
Appropriation of the result
Profit (loss) to be appropriated9906€46k€39k▼
Profit (loss) brought forward from the previous period14P-€476
Transfer to equity691/2€46k€38k▼
To other reserves6921€46k€38k▼
The notes to these accounts (5 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
07-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
05-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Hasselt · 1 establishment unit since 2023
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.
Runkstersteenweg 1783500 HasseltGround area
225 m²
Building footprint
123 m²
Volume, LiDAR
587 m³
Parcel 71326F0253/00W015, Flanders · tallest building 10.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Finch Expertise
since 20232.343.408.152
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71326F0253/00W015 | Flanders | 225 m² | 1 · 123 m² | 10.0 m · 1 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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 1,593 EUR awarded · 1,593 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 648 EUR | 648 EUR |
| 2024 | 1 | 585 EUR | 585 EUR |
| 2023 | 1 | 360 EUR | 360 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 4,567 companies in sector 74999 we hold annual accounts for 1,938. 1,561 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-02-2023
Fiscal year end31-12
Activities, NACEBEL
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
70200Business and other management consultancy
70220Business consulting
71209Other technical testing and analysis
77399Renting and leasing of other machinery, equipment and tangible goods
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.