FINCOLAB 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 €100k and a net result of €62k. Its solvency ranks better than 87% of 8018 sector peers (fiscal year 2025). The company has been active since 2024 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 advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2024, under 3 years, statistically higher risk.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 20-04-2026, 10 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
10 d early
2024
49 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€100k▲ 166%
2024 · €38k
2024: €38k
2024 → 2025
Net result
€62k▲ 91.2%
2024 · €33k
2024: €33k
2024 → 2025
Total assets
€113k▲ 93.2%
2024 · €58k
2024: €58k
2024 → 2025
Solvency
88.7%▲ 24.2pp
2024 · 64.5%
2024: 64.5%
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€38k-€100k▲ 166%
Operating result€42k-€80k▲ 91.9%
Net result€33k-€62k▲ 91.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 92% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €113k
Fixed assets
€7k
Current assets
€105k
Equity and liabilities €113k
Equity
€100k▲ 166%
Debt
€13k▼ 38.7%
The debt ratio falls from 35.5% to 11.3%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
88.7%▲
2024 · 64.5%
ROE
62.4%▼
2024 · 86.7%
ROA
55.4%▼
2024 · 55.9%
Debt
€13k▼
2024 · €21k
Debt ≤ 1 year
€13k▼
2024 · €21k
Income taxes
€16k▲
2024 · €9k
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€58k€113k▲
Fixed assets21/28-€7k
Tangible fixed assets22/27-€7k
Furniture and vehicles24-€7k
Current assets29/58€58k€105k▲
Amounts receivable within one year40/41€16k€17k▲
Trade receivables40€16k€17k▲
Current investments50/53-€15k
Cash at bank and in hand54/58€43k€72k▲
Deferred charges and accrued income490/1-€696
Equity and liabilities
Total equity and liabilities10/49€58k€113k▲
Equity10/15€38k€100k▲
Contributions10/11€5k€5k=
Reserves13€33k€95k▲
Distributable reserves133€33k€95k▲
Amounts payable17/49€21k€13k▼
Amounts payable within one year42/48€21k€13k▼
Trade debts44€1k€198▼
Suppliers440/4€1k€198▼
Taxes, remuneration and social security45€19k€12k▼
Taxes450/3€17k€10k▼
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€560€300▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€556▼
Other operating charges640/8€1k€237▼
Gross operating margin9900€46k€81k▲
Operating profit (loss)9901€42k€80k▲
Financial charges65/66B€75€1k▲
Recurring financial charges65€75€1k▲
Profit (loss) for the period before taxes9903€42k€79k▲
Income taxes67/77€9k€16k▲
Profit (loss) for the period9904€33k€62k▲
Profit (loss) for the period to be appropriated9905€33k€62k▲
Appropriation of the result
Profit (loss) to be appropriated9906€33k€62k▲
Transfer to equity691/2€33k€62k▲
To other reserves6921€33k€62k▲
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
20-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Liquidity triplescurrent ratio 8.33
Current ratio from 2.82 to 8.33; short-term debt falls from €21k to €13k.
12-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Waregem · 1 establishment unit since 2024
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.
Waregemstraat 958792 WaregemGround area
654 m²
Building footprint
87 m²
Volume, LiDAR
569 m³
Parcel 34010B0257/02Y000, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FINCOLAB
since 20242.355.047.459
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34010B0257/02Y000 | Flanders | 654 m² | 1 · 87 m² | 8.1 m · 2 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.
Similar companies · same sector, comparable size
HEDALO
BE 0717.881.360
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JUMIJE
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Just-IT
BE 1014.648.902
Gent · Eq €100k
CML CONSEILS
BE 0781.302.930
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GUTS & C°
BE 0823.242.166
Antwerpen · Eq €100k
Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 12,321 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-01-2024
Fiscal year end30-09
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70100Activities of head offices
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.