FINCORE
ActiveFINCORE has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €62k and a net result of €39k. Equity is shrinking by ~6.9% per year across the filed fiscal years. Its solvency ranks better than 74% of 31487 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
82
/ 100
Excellent▼ -11 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth32▼-26
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 4.48 against 6.82 in 2024), and 22.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
77.7%
Return on assets
49.8%
Age of the figures
14 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 22-12-2025, 40 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
40 d early
2024
24 d early
2023
8 d early
2022
27 d early
2021
42 d early
2020
18 d early
2019
39 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close12-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€62k▼ 25.0%
2024 · €82k
2019: €113k
2020: €42k
2021: €96k
2022: €91k
2023: €76k
2024: €82k
2019 → 2025
Total assets
€79k▼ 17.6%
2024 · €96k
2019: €180k
2020: €78k
2021: €112k
2022: €103k
2023: €84k
2024: €96k
2019 → 2025
Net result
€39k▼ 35.0%
2024 · €61k
2019: €40k
2020: €20k
2021: €54k
2022: €70k
2023: €61k
2024: €61k
2019 → 2025
Working capital
€62k▼ 25.0%
2024 · €82k
2019: €93k
2020: €31k
2021: €83k
2022: €84k
2023: €76k
2024: €82k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€96k-€91k▼ 5.6%€76k▼ 15.9%€82k▲ 7.5%€62k▼ 25.0%
Operating result€79k-€94k▲ 19.4%€82k▼ 13.5%€81k▼ 0.8%€53k▼ 34.1%
Net result€54k-€70k▲ 28.9%€61k▼ 12.9%€61k▲ 0.3%€39k▼ 35.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 34% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €79k
Fixed assets
€50=
Current assets
€79k▼ 17.6%
Equity and liabilities €79k
Equity
€62k▼ 25.0%
Debt
€18k▲ 25.4%
The debt ratio rises from 14.7% to 22.3%: debt grows while equity shrinks.
Key figures and ratios
Solvency
77.7%▼
2024 · 85.3%
Current ratio
4.48▼
2024 · 6.82
Quick ratio
4.48▼
2024 · 6.82
Debt / equity
0.29▲
2024 · 0.17
ROE
64.1%▼
2024 · 73.9%
ROA
49.8%▼
2024 · 63.1%
Debt
€18k▲
2024 · €14k
Debt ≤ 1 year
€18k▲
2024 · €14k
Income taxes
€14k▼
2024 · €21k
Staff costs
€36k▲
2024 · €31k
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€96k€79k▼
Fixed assets21/28€50€50=
Financial fixed assets28€50€50=
Current assets29/58€96k€79k▼
Amounts receivable within one year40/41€523€10k▲
Trade receivables40€523€561▲
Other amounts receivable41-€9k
Cash at bank and in hand54/58€96k€70k▼
Equity and liabilities
Total equity and liabilities10/49€96k€79k▼
Equity10/15€82k€62k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€62k€41k▼
Amounts payable17/49€14k€18k▲
Amounts payable within one year42/48€14k€18k▲
Trade debts44€9k€7k▼
Suppliers440/4€9k€7k▼
Taxes, remuneration and social security45€5k€11k▲
Taxes450/3€4k€7k▲
Remuneration and social security454/9€899€4k▲
Income statement
Code20242025
Remuneration, social security and pensions62€31k€36k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€114k€91k▼
Operating profit (loss)9901€81k€53k▼
Financial income75/76B€442€478▲
Recurring financial income75€442€478▲
Financial charges65/66B€112€371▲
Recurring financial charges65€112€371▲
Profit (loss) for the period before taxes9903€81k€54k▼
Income taxes67/77€21k€14k▼
Profit (loss) for the period9904€61k€39k▼
Profit (loss) for the period to be appropriated9905€61k€39k▼
Appropriation of the result
Profit (loss) to be appropriated9906€117k€101k▼
Profit (loss) brought forward from the previous period14P€56k€62k▲
Profit to be distributed694/7€55k€60k▲
Return on contributions (dividend)694€55k€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
Next filing, fiscal year 2026, expected by
2026
25-03
State Gazette act
Registered office · Resignations & appointmentsGeneral meeting · Registered-office move · Permanent representative3 facts ▸
State Gazette act
Registered office · Resignations & appointments
General meeting · Registered-office move · Permanent representative3 facts ▸
- General meeting, 19/02/2026
- Registered-office move, Route de Tamines 101a - 5070 Aisemont
- Permanent representative, Xavier André-Dumont
2025
22-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
07-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
04-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Highest result since 2019net €70k ▲28.9%
Operating result €94k, net result €70k, both a record.
2021
20-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Liquidity triplescurrent ratio 6.25
Current ratio from 2.19 to 6.25; short-term debt falls from €26k to €16k.
13-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Weakest financial yearnet €20k ▼51.5%
Net result drops to €20k, the lowest in the series; recovery starts the following year.
2019
23-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
23-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
10-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
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.
22-06-2025
Resigned as Managing director
Location & real-estate footprint
Registered office, Fosses-la-Ville · 1 establishment unit since 2016
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.
Route de Tamines 1015070 Fosses-la-VilleGround area
127 m²
Parcel 92002B0103/00N000, Wallonia. Linked by address, not a title deed.
1 establishment unit
FINCORE
since 20162.253.625.843
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92002B0103/00N000 | Wallonia | 127 m² | - | - |
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.
Structure & network
Connections & network
1 connected companyNetwork connections
Shared address
→
Similar companies · same sector, comparable size
L-IT Projects
BE 0793.357.060
Gent · Eq €62k
SWAN-C
BE 0644.495.615
Londerzeel · Eq €62k
ITSO
BE 1019.286.589
Antwerpen · Eq €62k
VECTIS
BE 0457.957.784
Blégny · Eq €62k
Meliora- IT Consulting
BE 1012.469.469
Westerlo · Eq €62k
Of 29,880 companies in sector 62200 we hold annual accounts for 18,324. 15,424 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded23-05-2016
Fiscal year end30-06
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
70220Business consulting
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.