FINCONSEILS
ActiveSummary
FINCONSEILS has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €290,848 and a net result of €113,878. Equity is growing by ~15.9% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2023
Profitability86▲+5
Solvency61▼-22
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19,000 at 30 days acceptable
Liquidity short (current ratio 0.82 against 0.19 in 2023; short-term debt: 33.5% and cash: 7.9% of total assets), and 64% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
36%
Return on assets
14.1%
Age of the figures
18 mo
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 01-12-2025, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2023
34 d early
2022
12 d early
2021
18 d early
2020
4 d late
2019
15 d late
2018
15 d late
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 7 accounts on average on the deadline day; the Belgian median for financial year 2023 is 3 days before the deadline, and 40% of all filings were late.
Checked, nothing found (1)
History
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Financials · fiscal year 2025, micro schema
Equity
€290,848▲ 46.2%
2023 · €198,970
Total assets
€807,385▲ 134%
2023 · €345,636
Net result
€113,878▲ 240%
2023 · €33,532
Working capital
-€48,699▲ 59.0%
2023 · -€118,646
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232025
Operating result€62,496▲ 587%€61,015▼ 2.4%€43,883▼ 28.1%€35,160▼ 19.9%€150,218-
Net result€49,706▲ 541%€39,932▼ 19.7%€36,921▼ 7.5%€33,532▼ 9.2%€113,878-
Equity€135,585▲ 25.7%€175,517▲ 29.5%€196,438▲ 11.9%€198,970▲ 1.3%€290,848-
Total assets€271,911▲ 11.8%€258,294▼ 5.0%€281,854▲ 9.1%€345,636▲ 22.6%€807,385-
Debt€136,325▲ 0.7%€82,776▼ 39.3%€85,416▲ 3.2%€146,665▲ 71.7%€516,537-
Working capital-€43,893▲ 19.6%-€4,024▲ 90.8%€22,567-€118,646-€48,699-
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result is €150,218 in 2025, compared with €35,160 in 2023. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2025 in colour, 2023 as the grey bar beneath
Assets €807,385
Fixed assets
€585,227 ▲ 84.3%
Current assets
€222,158 ▲ 693%
Equity and liabilities €807,385
Equity
€290,848 ▲ 46.2%
Debt
€516,537 ▲ 252%
Debt's share of the balance-sheet total rises from 42.4% to 64.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€169,786▲
2023 · €45,357
Cash flow
€133,445▲
2023 · €43,728
Current ratio
0.82▲
2023 · 0.19
Debt to equity
1.78▲
2023 · 0.74
ROE
39.2%▲
2023 · 16.9%
ROA
14.1%▲
2023 · 9.7%
Interest coverage
22.08▼
2023 · 347.93
Debt ≤ 1 year
€270,856▲
2023 · €146,665
Debt > 1 year
€245,583
Income taxes
€28,652▲
2023 · €1,498
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 20,129 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 95% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.2%
went bankrupt
4.7%
stopped otherwise
95%
still going
For this company itself Checked computes a higher bankruptcy probability: 0.9% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 20,129 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €22,679 | €10,292 | €10,940 | €10,197 | €19,567 | - |
| Other operating charges640/8 | - | - | €4,127 | €4,404 | €8,886 | - |
| Non-recurring operating charges66A | - | - | €299 | €252 | €252 | - |
| Gross operating margin9900 | €90,136 | €75,502 | €59,249 | €50,013 | €178,924 | - |
| Operating profit (loss)9901 | €62,496 | €61,015 | €43,883 | €35,160 | €150,218 | - |
| Recurring financial income75 | - | €1 | - | - | - | - |
| Financial charges65/66B | - | - | €162 | €130 | €7,688 | - |
| Recurring financial charges65 | €847 | €383 | €162 | €130 | €7,688 | - |
| Profit (loss) for the period before taxes9903 | €61,648 | €60,634 | €43,721 | €35,030 | €142,530 | - |
| Income taxes67/77 | €11,942 | €20,702 | €6,800 | €1,498 | €28,652 | - |
| Profit (loss) for the period9904 | €49,706 | €39,932 | €36,921 | €33,532 | €113,878 | - |
| Profit (loss) for the period to be appropriated9905 | €49,706 | €39,932 | €36,921 | €33,532 | €113,878 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €271,911 | €258,294 | €281,854 | €345,636 | €807,385 | - |
| Fixed assets21/28 | €179,479 | €179,541 | €173,871 | €317,616 | €585,227 | - |
| Tangible fixed assets22/27 | €179,351 | €179,414 | €173,743 | €317,489 | €585,099 | - |
| Land and buildings22 | - | - | €162,186 | €154,413 | €319,448 | - |
| Furniture and vehicles24 | - | - | - | - | €911 | - |
| Other tangible fixed assets26 | - | - | €11,557 | €9,134 | €6,600 | - |
| Assets under construction and advance payments27 | - | - | - | €153,942 | €258,141 | - |
| Financial fixed assets28 | €128 | €128 | €128 | €128 | €128 | - |
| Current assets29/58 | €92,432 | €78,752 | €107,983 | €28,019 | €222,158 | - |
| Amounts receivable within one year40/41 | €29,215 | €20,321 | €27,829 | €22,117 | €156,593 | - |
| Trade receivables40 | - | - | €27,829 | €22,117 | €156,593 | - |
| Cash at bank and in hand54/58 | €61,461 | €55,876 | €77,890 | €3,469 | €64,129 | - |
| Deferred charges and accrued income490/1 | - | - | €2,264 | €2,433 | €1,436 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €271,911 | €258,294 | €281,854 | €345,636 | €807,385 | - |
| Equity10/15 | €135,585 | €175,517 | €196,438 | €198,970 | €290,848 | - |
| Contributions10/11 | - | - | €6,200 | €6,200 | €6,200 | - |
| Reserves13 | €128,806 | €168,737 | €190,238 | €190,238 | €190,238 | - |
| Non-distributable reserves130/1 | - | - | €1,859 | €1,859 | €1,859 | - |
| Reserves not available under the articles1311 | - | - | €1,859 | €1,859 | €1,859 | - |
| Tax-exempt reserves132 | - | - | €9,240 | €9,240 | €9,240 | - |
| Distributable reserves133 | - | - | €179,139 | €179,139 | €179,139 | - |
| Profit (loss) carried forward14 | €580 | €580 | - | €2,532 | €94,410 | - |
| Amounts payable17/49 | €136,325 | €82,776 | €85,416 | €146,665 | €516,537 | - |
| Amounts payable after more than one year17 | - | - | - | - | €245,583 | - |
| Financial debts170/4 | - | - | - | - | €245,583 | - |
| Amounts payable within one year42/48 | €136,325 | €82,776 | €85,416 | €146,665 | €270,856 | - |
| Trade debts44 | €12,448 | €3,424 | €5,941 | €70,278 | €70,840 | - |
| Suppliers440/4 | - | - | €5,941 | €70,278 | €70,840 | - |
| Taxes, remuneration and social security45 | - | - | €9,165 | €4,625 | €58,676 | - |
| Taxes450/3 | - | - | €9,165 | €4,625 | €33,676 | - |
| Remuneration and social security454/9 | - | - | - | - | €25,000 | - |
| Other amounts payable47/48 | - | - | €70,310 | €71,762 | €141,340 | - |
| Accrued charges and deferred income492/3 | - | - | - | - | €97 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €49,706 | €39,932 | €36,921 | €33,532 | €113,878 | - |
| + Depreciation and write-downs630 | €22,679 | €10,292 | €10,940 | €10,197 | €19,567 | - |
| Operating cash flow (approximation) | €72,385 | €50,224 | €47,862 | €43,728 | €133,445 | - |
| Investment in fixed assets (approximation) | - | -€10,355 | -€5,270 | -€153,942 | - | - |
| Change in cash | - | -€5,586 | €22,014 | -€74,421 | - | - |
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
2025
01-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
31-03
Financial
Highest result since 2019net €113,878 ▲240%
Operating result €150,218, net result €113,878, both a record.
31-03
Financial
Equity above €200,000Eq €290,848 ▲46.2%
6 profitable years in a row build equity to €290,848.
2023
27-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
19-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
13-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-05
Financial
Equity above €150,000Eq €175,517 ▲29.5%
3 profitable years in a row build equity to €175,517.
04-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 4 days late
2020
15-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 15 days late
2019
15-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 15 days late
2017
29-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
30-11
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2015
30-11
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
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, Lessines · 1 establishment unit since 2000
Ground area
302 m²
Building footprint
75 m²
Volume, LiDAR
697 m³
Parcel 55007A0512/00V000, Wallonia · tallest building 18.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue Lespagnard(DA) 51, 7864 Lessines
since 20002.094.161.308
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55007A0512/00V000 | Wallonia | 302 m² | 1 · 75 m² | 18.2 m · 3 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.
Identification & contact
Identification
Legal formPrivate limited company
Founded23-11-2000
Fiscal year end31-03
Activities, NACEBEL 2025
70200Business and other management consultancy
94999Other membership organisations
93110Operation of sports facilities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0473337531
Registered
13-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.