FinCoBo
ActiveFinCoBo has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €44k and a net result of €84k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 74% of 9519 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
93
/ 100
Excellent▲ +20 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency100▲+81
Growth78▲+20
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 3.97 against 1.09 in 2023), and 25.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-06-2025, 38 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
38 d early
2023
40 d early
2022
38 d early
2021
30 d early
2020
37 d early
2019
30 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€44k▲ 124%
2023 · €20k
2018: €32k
2019: €82k
2020: €151k
2021: €220k
2022: €95k
2023: €20k
2018 → 2024
Total assets
€59k▼ 74.2%
2023 · €228k
2018: €76k
2019: €138k
2020: €189k
2021: €244k
2022: €163k
2023: €228k
2018 → 2024
Net result
€84k▲ 13.7%
2023 · €74k
2018: €21k
2019: €51k
2020: €68k
2021: €63k
2022: €52k
2023: €74k
2018 → 2024
Working capital
€44k▲ 124%
2023 · €20k
2018: €6k
2019: €62k
2020: €137k
2021: €212k
2022: €93k
2023: €20k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€151k-€220k▲ 45.9%€95k▼ 56.7%€20k▼ 79.4%€44k▲ 124%
Operating result€86k-€81k▼ 6.8%€66k▼ 17.8%€94k▲ 42.7%€107k▲ 13.3%
Net result€68k-€63k▼ 7.7%€52k▼ 18.0%€74k▲ 43.5%€84k▲ 13.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 13% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €59k
Equity
€44k▲ 124%
Debt
€15k▼ 92.9%
The debt ratio falls from 91.4% to 25.2%: equity grows while debt is paid down.
Key figures and ratios
Solvency
74.8%▲
2023 · 8.6%
Current ratio
3.97▲
2023 · 1.09
Quick ratio
3.97▲
2023 · 1.09
Debt / equity
0.34▼
2023 · 10.63
ROE
191.8%▼
2023 · 378.5%
ROA
143.5%▲
2023 · 32.6%
Debt
€15k▼
2023 · €208k
Debt ≤ 1 year
€15k▼
2023 · €208k
Income taxes
€23k▲
2023 · €20k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€228k€59k▼
Current assets29/58€228k€59k▼
Amounts receivable within one year40/41€49k€23k▼
Trade receivables40€48k€18k▼
Other amounts receivable41€573€5k▲
Cash at bank and in hand54/58€179k€36k▼
Deferred charges and accrued income490/1€170€175▲
Equity and liabilities
Total equity and liabilities10/49€228k€59k▼
Equity10/15€20k€44k▲
Contributions10/11€19k€19k=
Reserves13€1k€25k▲
Distributable reserves133€1k€25k▲
Amounts payable17/49€208k€15k▼
Amounts payable within one year42/48€208k€15k▼
Trade debts44€221-
Suppliers440/4€221-
Taxes, remuneration and social security45€12k€12k▼
Taxes450/3€12k€12k▼
Other amounts payable47/48€196k€3k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k-
Other operating charges640/8€756€876▲
Gross operating margin9900€97k€108k▲
Operating profit (loss)9901€94k€107k▲
Financial charges65/66B€45€61▲
Recurring financial charges65€45€61▲
Profit (loss) for the period before taxes9903€94k€107k▲
Income taxes67/77€20k€23k▲
Profit (loss) for the period9904€74k€84k▲
Profit (loss) for the period to be appropriated9905€74k€84k▲
Appropriation of the result
Profit (loss) to be appropriated9906€74k€84k▲
Transfer from equity791/2€76k-
Transfer to equity691/2-€24k
To other reserves6921-€24k
Profit to be distributed694/7€150k€60k▼
Return on contributions (dividend)694€150k€60k▼
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €84k ▲13.7%
Operating result €107k, net result €84k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 3.97
Current ratio from 1.09 to 3.97; short-term debt falls from €208k to €15k.
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity doublescurrent ratio 9.75
Current ratio from 4.62 to 9.75; short-term debt falls from €38k to €24k.
31-12
Financial
Equity above €200kEq €220k ▲45.9%
4 profitable years in a row build equity to €220k.
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity doublescurrent ratio 4.62
Current ratio from 2.13 to 4.62; short-term debt falls from €55k to €38k.
31-12
Financial
Equity above €150kEq €151k ▲82.9%
3 profitable years in a row build equity to €151k.
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Vilvoorde · 1 establishment unit since 2018
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.
Broekplein 71800 VilvoordeGround area
7,617 m²
Building footprint
2,141 m²
Volume, LiDAR
264 m³
Parcel 23644H0334/00X002, Flanders · tallest building 4.8 m. Linked by address, not a title deed.
1 establishment unit
FINCOBO
since 20182.276.766.974
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23644H0334/00X002 | Flanders | 7,617 m² | 1 · 2,140 m² | 4.8 m |
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.
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Of 24,497 companies in sector 82990 we hold annual accounts for 9,397. 6,795 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-05-2018
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
69109Other legal services
85510Sports and recreation education
93121Football clubs
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.