FINCORP
ActiveSummary
FINCORP has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€25,582) and a net result of -€50,582. Its solvency ranks better than 14% of 9268 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
Axes
Profitability13
Solvency23
Growth-
Track record67
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.62; short-term debt: 5.3% and cash: 0.7% of total assets), and equity is negative.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-2.3%
Return on assets
-4.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 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 · 1 filingDeviation from the deadline
2025
31 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
History
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Financials · fiscal year 2025, abbreviated schema
Equity
-€25,582
Total assets
€1.1m
Net result
-€50,582
Working capital
-€22,676
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Balance-sheet composition
Assets €1.1m
Fixed assets
€1.1m
Current assets
€37,264
Key figures and ratios
EBITDA
-€16,059
Cash flow
-€49,334
Solvency
-2.3%
Current ratio
0.62
Debt to equity
-44.81
ROA
-4.5%
Interest coverage
-0.48
Debt
€1.1m
Debt ≤ 1 year
€59,940
Debt > 1 year
€1.1m
Annual accounts
| Line | 2025 |
|---|---|
| Non-recurring operating income76A | €500 |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,248 |
| Other operating charges640/8 | €7,510 |
| Non-recurring operating charges66A | €94 |
| Gross operating margin9900 | -€8,455 |
| Operating profit (loss)9901 | -€17,307 |
| Financial charges65/66B | €33,275 |
| Recurring financial charges65 | €33,275 |
| Profit (loss) for the period before taxes9903 | -€50,582 |
| Profit (loss) for the period9904 | -€50,582 |
| Profit (loss) for the period to be appropriated9905 | -€50,582 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €1.1m | |
| Fixed assets21/28 | €1.1m | |
| Tangible fixed assets22/27 | €1.1m | |
| Land and buildings22 | €509,815 | |
| Assets under construction and advance payments27 | €573,726 | |
| Current assets29/58 | €37,264 | |
| Amounts receivable within one year40/41 | €28,680 | |
| Trade receivables40 | €18,463 | |
| Other amounts receivable41 | €10,217 | |
| Cash at bank and in hand54/58 | €7,346 | |
| Deferred charges and accrued income490/1 | €1,238 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €1.1m | |
| Equity10/15 | -€25,582 | |
| Contributions10/11 | €25,000 | |
| Profit (loss) carried forward14 | -€50,582 | |
| Amounts payable17/49 | €1.1m | |
| Amounts payable after more than one year17 | €1.1m | |
| Financial debts170/4 | €601,887 | |
| Other amounts payable178/9 | €482,481 | |
| Amounts payable within one year42/48 | €59,940 | |
| Current portion of amounts payable after more than one year42 | €30,016 | |
| Trade debts44 | €29,876 | |
| Suppliers440/4 | €29,876 | |
| Taxes, remuneration and social security45 | €47 | |
| Taxes450/3 | €47 | |
| Accrued charges and deferred income492/3 | €2,080 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | -€50,582 |
| + Depreciation and write-downs630 | €1,248 |
| Operating cash flow (approximation) | -€49,334 |
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
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Verviers · 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.
Avenue Hanlet 444800 Verviers1 establishment unit
FINCORP
since 20242.361.691.563
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 9,143 companies in sector 68201 we hold annual accounts for 6,769. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded28-06-2024
Fiscal year end31-12
Activities, NACEBEL 2025
68201Renting and operating of own or leased residential real estate, excluding social housing
64210Activities of holding companies
68110Buying and selling of own real estate
68203Renting and operating of own or leased non-residential real estate, excluding land
68204Real estate activities
70100Activities of head offices
Scores and ratios are computed by Checked and are not a credit decision.