Summary
FINCOACHING is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2026 annual accounts show equity of €922,283 and a net result of €296,843. Equity is growing by ~23.6% per year across the filed fiscal years. Its solvency ranks better than 38% of 37 sector peers (fiscal year 2026). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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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 31-03-2026 was due by 31-10-2026 and was filed on 27-05-2026, 157 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
157 d early
2025
148 d early
2024
1 d early
2023
1 d early
2022
3 d late
2021
52 d early
2020
2 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 51 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today. Usually files around 30 October (4 of the last 5 filed years within 147 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-03-2027 close31-10-2027 deadline
History
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Financials · fiscal year 2026, abbreviated schema
Equity
€922,283▲ 27.4%
2025 · €724,086
Net result
€296,843▲ 127%
2025 · €130,555
Total assets
€1.9m▲ 56.3%
2025 · €1.2m
Solvency
49.0%▼ 11.1pp
2025 · 60.2%
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20222023202420252026
Operating result€360,760▼ 0.8%€215,038▼ 40.4%€149,638▼ 30.4%€193,167▲ 29.1%€452,767▲ 134%
Net result€243,831above the sector's middle half▼ 22.5%€142,804within the sector's middle half▼ 41.4%€101,009within the sector's middle half▼ 29.3%€130,555within the sector's middle half▲ 29.3%€296,843▲ 127%
Equity€461,015within the sector's middle half▲ 107%€591,534within the sector's middle half▲ 28.3%€658,598within the sector's middle half▲ 11.3%€724,086above the sector's middle half▲ 9.9%€922,283▲ 27.4%
Total assets€973,282within the sector's middle half▲ 50.2%€947,515within the sector's middle half▼ 2.6%€985,541within the sector's middle half▲ 4.0%€1.2mwithin the sector's middle half▲ 22.1%€1.9m▲ 56.3%
Debt€512,267▲ 20.3%€355,981▼ 30.5%€326,943▼ 8.2%€478,971▲ 46.5%€958,291▲ 100%
Working capital€160,923within the sector's middle half▲ 93,858%€333,341within the sector's middle half▲ 107%€423,751above the sector's middle half▲ 27.1%€489,894above the sector's middle half▲ 15.6%€488,273▼ 0.3%
Solvency47.4%within the sector's middle half▲ 13.1pp62.4%within the sector's middle half▲ 15.1pp66.8%within the sector's middle half▲ 4.4pp60.2%within the sector's middle half▼ 6.6pp49.0%▼ 11.1pp
Current ratio1.78within the sector's middle half▲ 0.784.39above the sector's middle half▲ 2.614.71above the sector's middle half▲ 0.323.86above the sector's middle half▼ 0.852.41▼ 1.45
Return on assets (ROA)25.1%above the sector's middle half▼ 23.5pp15.1%within the sector's middle half▼ 10.0pp10.2%within the sector's middle half▼ 4.8pp10.9%within the sector's middle half▲ 0.6pp15.8%▲ 4.9pp
Staff (FTE)3.1within the sector's middle half▲ 29.2%2.3within the sector's middle half▼ 25.8%3within the sector's middle half▲ 30.4%3within the sector's middle half=4.7▲ 56.7%
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2024 the operating result has climbed two years in a row; 2026 is 134% above 2025 and is the highest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €1.9m
Fixed assets
€1.0m ▲ 93.0%
Current assets
€835,391 ▲ 26.3%
Equity and liabilities €1.9m
Equity
€922,283 ▲ 27.4%
Debt
€958,291 ▲ 100%
Debt's share of the balance-sheet total rises from 39.8% to 51.0%. Equity and debt are higher.
Key figures and ratios
ROE
32.2%▲
2025 · 18.0%
Debt ≤ 1 year
€347,118▲
2025 · €171,485
Debt > 1 year
€611,172▲
2025 · €307,486
Income taxes
€142,894▲
2025 · €60,584
Staff costs
€360,345▲
2025 · €211,550
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €204,241 | €138,628 | €207,297 | €211,550 | €360,345 | ▲ 70.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €107,400 | €106,659 | €113,078 | €140,551 | €128,789 | ▼ 8.4% |
| Other operating charges640/8 | €2,570 | €2,733 | €1,778 | €3,100 | €4,322 | ▲ 39.4% |
| Non-recurring operating charges66A | - | €673 | - | €138 | €0 | ▼ 100% |
| Gross operating margin9900 | €674,972 | €463,731 | €471,791 | €548,505 | €946,224 | ▲ 72.5% |
| Operating profit (loss)9901 | €360,760 | €215,038 | €149,638 | €193,167 | €452,767 | ▲ 134% |
| Financial income75/76B | €50 | €30 | €3,275 | €4,435 | €3,339 | ▼ 24.7% |
| Recurring financial income75 | €50 | €30 | €3,275 | €4,435 | €3,339 | ▼ 24.7% |
| Financial charges65/66B | €4,169 | €6,080 | €3,060 | €6,463 | €16,370 | ▲ 153% |
| Recurring financial charges65 | €4,169 | €5,230 | €3,060 | €6,463 | €16,370 | ▲ 153% |
| Non-recurring financial charges66B | - | €850 | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €356,641 | €208,988 | €149,854 | €191,139 | €439,737 | ▲ 130% |
| Income taxes67/77 | €112,810 | €66,184 | €48,844 | €60,584 | €142,894 | ▲ 136% |
| Profit (loss) for the period9904 | €243,831 | €142,804 | €101,009 | €130,555 | €296,843 | ▲ 127% |
| Profit (loss) for the period to be appropriated9905 | €243,831 | €142,804 | €101,009 | €130,555 | €296,843 | ▲ 127% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €973,282 | €947,515 | €985,541 | €1.2m | €1.9m | ▲ 56.3% |
| Fixed assets21/28 | €605,844 | €515,828 | €447,480 | €541,678 | €1.0m | ▲ 93.0% |
| Intangible fixed assets21 | €298,088 | €216,737 | €135,386 | €54,035 | €487,445 | ▲ 802% |
| Tangible fixed assets22/27 | €307,755 | €299,091 | €312,094 | €487,643 | €557,738 | ▲ 14.4% |
| Land and buildings22 | €209,902 | €202,825 | €200,673 | €399,220 | €451,945 | ▲ 13.2% |
| Plant, machinery and equipment23 | €6,988 | €6,276 | €3,747 | €0 | - | - |
| Furniture and vehicles24 | €28,028 | €26,179 | €24,658 | €17,272 | €38,730 | ▲ 124% |
| Other tangible fixed assets26 | €62,837 | €63,811 | €83,016 | €71,151 | €67,062 | ▼ 5.7% |
| Current assets29/58 | €367,438 | €431,687 | €538,061 | €661,379 | €835,391 | ▲ 26.3% |
| Amounts receivable within one year40/41 | - | €6,330 | €44,264 | €10,132 | €184 | ▼ 98.2% |
| Trade receivables40 | - | - | - | - | €49 | - |
| Other amounts receivable41 | - | €6,330 | €44,264 | €10,132 | €135 | ▼ 98.7% |
| Current investments50/53 | - | - | - | €50,000 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €249,945 | €345,681 | €419,042 | €522,367 | €701,305 | ▲ 34.3% |
| Deferred charges and accrued income490/1 | €117,493 | €79,676 | €74,755 | €78,879 | €133,902 | ▲ 69.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €973,282 | €947,515 | €985,541 | €1.2m | €1.9m | ▲ 56.3% |
| Equity10/15 | €461,015 | €591,534 | €658,598 | €724,086 | €922,283 | ▲ 27.4% |
| Contributions10/11 | €15,000 | €20,000 | €2,000 | €2,000 | €2,000 | = |
| Reserves13 | €446,015 | €571,534 | €656,598 | €722,086 | €920,283 | ▲ 27.4% |
| Non-distributable reserves130/1 | €2,000 | €2,000 | - | - | - | - |
| Reserves not available under the articles1311 | €2,000 | €2,000 | - | - | - | - |
| Tax-exempt reserves132 | €780 | €780 | €780 | €780 | €780 | = |
| Distributable reserves133 | €443,235 | €568,754 | €655,818 | €721,306 | €919,504 | ▲ 27.5% |
| Profit (loss) carried forward14 | - | - | - | €0 | €0 | - |
| Amounts payable17/49 | €512,267 | €355,981 | €326,943 | €478,971 | €958,291 | ▲ 100% |
| Amounts payable after more than one year17 | €305,751 | €256,285 | €212,633 | €307,486 | €611,172 | ▲ 98.8% |
| Financial debts170/4 | €305,751 | €256,285 | €212,633 | €307,486 | €611,172 | ▲ 98.8% |
| Amounts payable within one year42/48 | €206,515 | €98,346 | €114,310 | €171,485 | €347,118 | ▲ 102% |
| Current portion of amounts payable after more than one year42 | €117,176 | €57,760 | €43,652 | €49,925 | €132,307 | ▲ 165% |
| Trade debts44 | €17,971 | €7,897 | €18,945 | €21,189 | €28,073 | ▲ 32.5% |
| Suppliers440/4 | €17,971 | €7,897 | €18,945 | €21,189 | €28,073 | ▲ 32.5% |
| Taxes, remuneration and social security45 | €70,147 | €15,133 | €35,496 | €29,212 | €80,587 | ▲ 176% |
| Taxes450/3 | €37,589 | - | €2,787 | €0 | €26,893 | - |
| Remuneration and social security454/9 | €32,558 | €15,133 | €32,710 | €29,212 | €53,693 | ▲ 83.8% |
| Other amounts payable47/48 | €1,221 | €17,556 | €16,217 | €71,159 | €106,152 | ▲ 49.2% |
| Accrued charges and deferred income492/3 | - | €1,350 | - | - | - | - |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €243,831 | €142,804 | €101,009 | €130,555 | €296,843 | ▲ 127% |
| + Depreciation and write-downs630 | €107,400 | €106,659 | €113,078 | €140,551 | €128,789 | ▼ 8.4% |
| Operating cash flow (approximation) | €351,232 | €249,463 | €214,088 | €271,106 | €425,632 | ▲ 57.0% |
| Investment in fixed assets (approximation) | - | -€16,643 | -€44,731 | -€234,749 | -€632,294 | ▼ 169% |
| Change in cash | - | €95,737 | €73,361 | €103,325 | €178,938 | ▲ 73.2% |
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 2027, expected by
2026
27-05
NBB filing
Annual accounts filed
fiscal year 2026 · abbreviated schema
2025
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-03
Financial
Weakest financial yearnet €101,009 ▼29.3%
Net result drops to €101,009, the lowest in the series; recovery starts the following year.
2023
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
31-03
Financial
Liquidity doublescurrent ratio 4.39
Current ratio from 1.78 to 4.39; short-term debt falls from €206,515 to €98,346.
31-03
Financial
Equity above €500,000Eq €591,534 ▲28.3%
5 profitable years in a row build equity to €591,534.
2022
03-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 3 days late
2021
09-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
31-03
Financial
Highest result since 2019net €314,638 ▲27.2%
Net result €314,638, the highest in the series.
31-03
Financial
Equity above €200,000Eq €222,183 ▲79.8%
3 profitable years in a row build equity to €222,183.
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Show earlier events
31-03
Financial
Equity above €100,000Eq €123,539 ▲112%
2 profitable years in a row build equity to €123,539.
2019
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
23-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
30-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Dendermonde · 1 establishment unit since 2016
Ground area
215 m²
Building footprint
175 m²
Volume, LiDAR
1,249 m³
Parcel 42021B0001/00H006, Flanders · tallest building 12.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FINCOACHING
since 20162.249.839.972
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42021B0001/00H006 | Flanders | 215 m² | 1 · 175 m² | 12.6 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 5 entries · 11,598 EUR awarded · 11,240 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 1,093 EUR | 960 EUR |
| 2024 | 1 | 0 EUR | 9,983 EUR |
| 2023 | 1 | 505 EUR | 297 EUR |
| 2022 | 1 | 10,000 EUR | 0 EUR |
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Of 1,682 companies in sector 66191 we hold annual accounts for 1,230. 891 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
Founded04-02-2016
Fiscal year end31-03
Activities, NACEBEL 2025
66191Agents and brokers in banking services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0647816676
Also
9925:BE0647816676
Registered
31-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.