Summary
Finco Management 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 €352k and a net result of €8k. Equity is growing by ~8.1% per year across the filed fiscal years. Its solvency ranks better than 79% of 5547 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 08-07-2026, 23 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
23 d early
2024
1 d late
2023
37 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, abbreviated schema
Equity
€352k▲ 2.3%
2024 · €344k
2023: €297klowest in 3 years
2024: €344k▲ +16.0% vs 2023
2025: €352k▲ +2.3% vs 2024highest in 3 years
2023 → 2025
Net result
€8k▼ 83.3%
2024 · €48k
2023: €272khighest in 3 years
2024: €48k▼ -82.5% vs 2023
2025: €8k▼ -83.3% vs 2024lowest in 3 years
2023 → 2025
Total assets
€423k▼ 18.4%
2024 · €518k
2023: €464k
2024: €518k▲ +11.8% vs 2023highest in 3 years
2025: €423k▼ -18.4% vs 2024lowest in 3 years
2023 → 2025
Solvency
83.3%▲ 16.9pp
2024 · 66.5%
2023: 64.0%lowest in 3 years
2024: 66.5%▲ +3.8% vs 2023
2025: 83.3%▲ +25.4% vs 2024highest in 3 years
2023 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€297k-€344k▲ 16.0%€352k▲ 2.3%
2023: €297klowest in 3 years
2024: €344k▲ +16.0% vs 2023
2025: €352k▲ +2.3% vs 2024highest in 3 years
Operating result€360k-€58k▼ 83.9%€10k▼ 83.6%
2023: €360khighest in 3 years
2024: €58k▼ -83.9% vs 2023
2025: €10k▼ -83.6% vs 2024lowest in 3 years
Net result€272k-€48k▼ 82.5%€8k▼ 83.3%
2023: €272khighest in 3 years
2024: €48k▼ -82.5% vs 2023
2025: €8k▼ -83.3% vs 2024lowest in 3 years
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 84% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €423k
Fixed assets
€29k ▼ 14.3%
Current assets
€394k ▼ 18.7%
Equity and liabilities €423k
Equity
€352k ▲ 2.3%
Debt
€70k ▼ 59.4%
Debt's share of the balance-sheet total falls from 33.5% to 16.7%. Equity is higher and debt is lower.
Key figures and ratios
ROE
2.3%▼
2024 · 13.8%
ROA
1.9%▼
2024 · 9.2%
Debt ≤ 1 year
€70k▼
2024 · €174k
Income taxes
€5k▼
2024 · €21k
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 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€518k€423k▼
Fixed assets21/28€34k€29k▼
Intangible fixed assets21€10k€7k▼
Tangible fixed assets22/27€7k€4k▼
Plant, machinery and equipment23€7k€4k▼
Financial fixed assets28€17k€19k▲
Current assets29/58€484k€394k▼
Amounts receivable within one year40/41€81k€121k▲
Trade receivables40€79k€121k▲
Other amounts receivable41€2k€0▼
Current investments50/53€300k€200k▼
Cash at bank and in hand54/58€96k€68k▼
Deferred charges and accrued income490/1€7k€6k▼
Equity and liabilities
Total equity and liabilities10/49€518k€423k▼
Equity10/15€344k€352k▲
Contributions10/11€25k€25k=
Profit (loss) carried forward14€319k€327k▲
Amounts payable17/49€174k€70k▼
Amounts payable within one year42/48€174k€70k▼
Trade debts44€65k€70k▲
Suppliers440/4€65k€70k▲
Taxes, remuneration and social security45€108k€281▼
Taxes450/3€108k€281▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€7k▲
Other operating charges640/8€505€520▲
Gross operating margin9900€64k€17k▼
Operating profit (loss)9901€58k€10k▼
Financial income75/76B€10k€4k▼
Recurring financial income75€10k€4k▼
Financial charges65/66B€261€347▲
Recurring financial charges65€261€347▲
Profit (loss) for the period before taxes9903€68k€13k▼
Income taxes67/77€21k€5k▼
Profit (loss) for the period9904€48k€8k▼
Profit (loss) for the period to be appropriated9905€48k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€319k€327k▲
Profit (loss) brought forward from the previous period14P€272k€319k▲
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4k | €6k | €7k | ▲ 14.8% |
| Other operating charges640/8 | €991 | €505 | €520 | ▲ 2.8% |
| Gross operating margin9900 | €366k | €64k | €17k | ▼ 74.1% |
| Operating profit (loss)9901 | €360k | €58k | €10k | ▼ 83.6% |
| Financial income75/76B | €3k | €10k | €4k | ▼ 61.1% |
| Recurring financial income75 | €3k | €10k | €4k | ▼ 61.1% |
| Financial charges65/66B | €130 | €261 | €347 | ▲ 32.6% |
| Recurring financial charges65 | €130 | €261 | €347 | ▲ 32.6% |
| Profit (loss) for the period before taxes9903 | €363k | €68k | €13k | ▼ 80.6% |
| Income taxes67/77 | €91k | €21k | €5k | ▼ 74.3% |
| Profit (loss) for the period9904 | €272k | €48k | €8k | ▼ 83.3% |
| Profit (loss) for the period to be appropriated9905 | €272k | €48k | €8k | ▼ 83.3% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €464k | €518k | €423k | ▼ 18.4% |
| Fixed assets21/28 | €23k | €34k | €29k | ▼ 14.3% |
| Intangible fixed assets21 | €14k | €10k | €7k | ▼ 35.5% |
| Tangible fixed assets22/27 | - | €7k | €4k | ▼ 43.7% |
| Plant, machinery and equipment23 | - | €7k | €4k | ▼ 43.7% |
| Financial fixed assets28 | €9k | €17k | €19k | ▲ 10.4% |
| Current assets29/58 | €441k | €484k | €394k | ▼ 18.7% |
| Amounts receivable within one year40/41 | €55k | €81k | €121k | ▲ 49.5% |
| Trade receivables40 | €55k | €79k | €121k | ▲ 53.5% |
| Other amounts receivable41 | - | €2k | €0 | ▼ 100% |
| Current investments50/53 | €300k | €300k | €200k | ▼ 33.3% |
| Cash at bank and in hand54/58 | €77k | €96k | €68k | ▼ 29.7% |
| Deferred charges and accrued income490/1 | €9k | €7k | €6k | ▼ 24.1% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €464k | €518k | €423k | ▼ 18.4% |
| Equity10/15 | €297k | €344k | €352k | ▲ 2.3% |
| Contributions10/11 | €25k | €25k | €25k | = |
| Profit (loss) carried forward14 | €272k | €319k | €327k | ▲ 2.5% |
| Amounts payable17/49 | €167k | €174k | €70k | ▼ 59.4% |
| Amounts payable within one year42/48 | €155k | €174k | €70k | ▼ 59.4% |
| Trade debts44 | €59k | €65k | €70k | ▲ 7.4% |
| Suppliers440/4 | €59k | €65k | €70k | ▲ 7.4% |
| Taxes, remuneration and social security45 | €95k | €108k | €281 | ▼ 99.7% |
| Taxes450/3 | €95k | €108k | €281 | ▼ 99.7% |
| Accrued charges and deferred income492/3 | €12k | €0 | - | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €272k | €48k | €8k | ▼ 83.3% |
| + Depreciation and write-downs630 | €4k | €6k | €7k | ▲ 14.8% |
| Operating cash flow (approximation) | €276k | €53k | €15k | ▼ 72.7% |
| Investment in fixed assets (approximation) | - | €-17k | €-2k | ▲ 89.6% |
| Change in cash | - | €19k | €-29k | ▼ 250% |
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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €8k ▼83.3%
Net result drops to €8k, the lowest in the series.
31-12
Financial
Liquidity doublescurrent ratio 5.59
Current ratio from 2.79 to 5.59; short-term debt falls from €174k to €70k.
01-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 1 day late
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated 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, Antwerpen · 1 establishment unit since 2022
Ground area
1.0 ha
Building footprint
4,496 m²
Volume, LiDAR
50,522 m³
Parcel 11807G1783/00D000, Flanders · tallest building 16.7 m, ±4 floors. Linked by address, not a title deed.
33
companies at this address
See who is registered here
1 establishment unit
Finco Management
since 20222.332.238.702
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11807G1783/00D000 | Flanders | 1.0 ha | 1 · 4,496 m² | 16.7 m · 4 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.
Similar companies · same sector, comparable size
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,768. 13,770 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
Founded24-05-2022
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
64310Financial service activities, except insurance and pension funding
66300Activities auxiliary to financial services and insurance activities
82990Other business support services
Scores and ratios are computed by Checked and are not a credit decision.