Fincro
ActiveFincro has been active since 1973 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags). The 2025 annual accounts show equity of €701k and a net result of €85k. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 95% of 794 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability67▲+36
Solvency100=
Growth78▲+46
Track record92
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity ample (current ratio 27.73 against 22.17 in 2024; short-term debt: 2.2% and cash: 18.5% of total assets), and 2.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 10
Relative position
BE, all sectors
reference
Sector 10
higher
← 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
97.1%
Return on assets
11.7%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €701k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
2 d early
2023
356 d late
2022
722 d late
2021
1076 d late
2020
1441 d late
2019
122 d late
← before the deadline
after the deadline →
raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publicationsPublications
Strikeout withdrawn
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€701k▲ 13.7%
2024 · €617k
2018: €701k
2019: €728k
2020: €680k
2021: €647k
2022: €635k
2023: €632k
2024: €617k
2018 → 2025
Total assets
€722k▲ 12.4%
2024 · €643k
2018: €752k
2019: €750k
2020: €717k
2021: €691k
2022: €702k
2023: €675k
2024: €643k
2018 → 2025
Net result
€85k
2024 · €-15k
2018: €-11k
2019: €27k
2020: €-48k
2021: €-33k
2022: €-11k
2023: €-3k
2024: €-15k
2018 → 2025
Working capital
€431k▼ 3.0%
2024 · €444k
2018: €520k
2019: €551k
2020: €503k
2021: €472k
2022: €460k
2023: €456k
2024: €444k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€647k-€635k▼ 1.8%€632k▼ 0.5%€617k▼ 2.5%€701k▲ 13.7%
Operating result€-19k-€-19k▼ 0.9%€-14k▲ 25.4%€-26k▼ 88.1%€-19k▲ 26.8%
Net result€-33k-€-11k▲ 65.4%€-3k▲ 70.5%€-15k▼ 359%€85k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €19k in 2025 against €26k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €722k
Fixed assets
€275k▲ 55.3%
Current assets
€447k▼ 3.9%
Equity and liabilities €722k
Equity
€701k▲ 13.7%
Debt
€21k▼ 18.7%
The debt ratio falls from 4.0% to 2.9%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
97.1%▲
2024 · 96.0%
Current ratio
27.73▲
2024 · 22.17
Quick ratio
27.73▲
2024 · 22.17
Debt / equity
0.03▼
2024 · 0.04
ROE
12.1%▲
2024 · -2.5%
ROA
11.7%▲
2024 · -2.4%
Debt
€21k▼
2024 · €26k
Debt ≤ 1 year
€16k▼
2024 · €21k
Income taxes
€7k▲
2024 · €963
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€643k€722k▲
Fixed assets21/28€177k€275k▲
Financial fixed assets28€177k€275k▲
Current assets29/58€465k€447k▼
Amounts receivable after more than one year29€77k€77k=
Other amounts receivable291€77k€77k=
Amounts receivable within one year40/41€217k€237k▲
Other amounts receivable41€217k€237k▲
Cash at bank and in hand54/58€172k€134k▼
Equity and liabilities
Total equity and liabilities10/49€643k€722k▲
Equity10/15€617k€701k▲
Contributions10/11€19k€19k=
Reserves13€61k€145k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€2k€2k=
Distributable reserves133€57k€141k▲
Profit (loss) carried forward14€537k€538k▲
Amounts payable17/49€26k€21k▼
Amounts payable within one year42/48€21k€16k▼
Trade debts44€7k€7k▲
Suppliers440/4€7k€7k▲
Taxes, remuneration and social security45€14k€9k▼
Taxes450/3€14k€9k▼
Accrued charges and deferred income492/3€5k€5k=
Income statement
Code20242025
Non-recurring operating income76A€1k-
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€9k€-76k▼
Other operating charges640/8€2k€79k▲
Non-recurring operating charges66A€5k-
Gross operating margin9900€-10k€-16k▼
Operating profit (loss)9901€-26k€-19k▲
Financial income75/76B€12k€111k▲
Recurring financial income75€12k€13k▲
Non-recurring financial income76B-€98k
Financial charges65/66B€636€75▼
Recurring financial charges65€636€75▼
Profit (loss) for the period before taxes9903€-15k€92k▲
Income taxes67/77€963€7k▲
Profit (loss) for the period9904€-15k€85k▲
Profit (loss) for the period to be appropriated9905€-15k€85k▲
Appropriation of the result
Profit (loss) to be appropriated9906€537k€622k▲
Profit (loss) brought forward from the previous period14P€552k€537k▼
Transfer to equity691/2-€84k
To other reserves6921-€84k
The notes to these accounts (8 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €85k
Net result €85k after 5 loss-making years.
05-08
KBO administration
Strikeout withdrawn
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 356 days late
22-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 722 days late
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 1076 days late
11-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 1441 days late
2020
31-12
Financial
Weakest financial yearnet €-48k ▼275%
Net result drops to €-48k, the lowest in the series; recovery starts the following year.
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 122 days late
28-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 425 days late
2019
31-12
Financial
Back to profitnet €27k
Net result €27k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 26.48
Current ratio from 11.12 to 26.48; short-term debt falls from €51k to €22k.
11-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 315 days late
2018
16-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 169 days late
SignalFinancial 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, Boechout · 1 establishment unit since 1973
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.
Boshoek 1542530 BoechoutGround area
218 m²
Building footprint
212 m²
Volume, LiDAR
1,176 m³
Parcel 11004C0142/00G000, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FINCRO PVBA
since 19732.007.930.880
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11004C0142/00G000 | Flanders | 218 m² | 1 · 212 m² | 8.4 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
Lorenz Belgium
BE 0753.910.625
Kortrijk · Eq €709k
Hulstaert & Cie
BE 0412.810.917
Sint-Niklaas · Eq €693k
NatExtra
BE 0651.876.424
Bütgenbach · Eq €679k
LA WILLIAM
BE 0414.619.867
Londerzeel · Eq €728k
DE ZILVERBERG FOOD
BE 0536.828.484
Staden · Eq €733k
Of 395 companies in sector 10890 we hold annual accounts for 225. 121 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded03-01-1973
Fiscal year end31-12
Activities, NACEBEL
10890Manufacture of food products
15890
46392Non-specialised wholesale
46649Wholesale of other machinery and equipment
51392
51872
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.