FINDECO
ActiveFINDECO 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 €915k and a net result of €40k. Equity is growing by ~4.9% per year across the filed fiscal years. Its solvency ranks better than 46% of 2259 sector peers (fiscal year 2025). The company has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-12-2025 was due by 30-07-2026 and was filed on 08-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
50 d early
2023
48 d early
2022
55 d early
2021
51 d early
2020
53 d early
2019
22 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-12-2026 and is due by 30-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
15-09-2026 today30-12-2026 close30-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€915k=
2024 · €914k
2018: €617k
2019: €635k
2020: €645k
2021: €999k
2022: €904k
2023: €911k
2024: €914k
2018 → 2025
Net result
€40k▼ 6.5%
2024 · €43k
2018: €-5k
2019: €18k
2020: €30k
2021: €354k
2022: €5k
2023: €7k
2024: €43k
2018 → 2025
Total assets
€2.53M▼ 2.0%
2024 · €2.58M
2018: €1.08M
2019: €1.12M
2020: €1.15M
2021: €1.51M
2022: €1.53M
2023: €2.49M
2024: €2.58M
2018 → 2025
Solvency
36.2%▲ 0.7pp
2024 · 35.5%
2018: 57.2%
2019: 56.8%
2020: 56.1%
2021: 66.2%
2022: 59.3%
2023: 36.6%
2024: 35.5%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€999k-€904k▼ 9.5%€911k▲ 0.8%€914k▲ 0.3%€915k=
Operating result€47k-€21k▼ 56.0%€56k▲ 166%€114k▲ 105%€102k▼ 10.6%
Net result€354k-€5k▼ 98.6%€7k▲ 55.8%€43k▲ 479%€40k▼ 6.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 11% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.53M
Fixed assets
€2.42M▼ 0.2%
Current assets
€112k▼ 29.7%
Equity and liabilities €2.53M
Equity
€915k=
Debt
€1.61M▼ 3.2%
The debt ratio falls from 64.5% to 63.8%: debt is paid down.
Key figures and ratios
Solvency
36.2%▲
2024 · 35.5%
ROE
4.4%▼
2024 · 4.7%
ROA
1.6%▼
2024 · 1.7%
Debt
€1.61M▼
2024 · €1.66M
Debt ≤ 1 year
€85k▲
2024 · €49k
Debt > 1 year
€1.46M▼
2024 · €1.54M
Income taxes
€1k▼
2024 · €2k
Staff costs
€60k▲
2024 · €56k
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€2.58M€2.53M▼
Fixed assets21/28€2.42M€2.42M▼
Tangible fixed assets22/27€43k€35k▼
Furniture and vehicles24€43k€35k▼
Financial fixed assets28€2.38M€2.38M▲
Current assets29/58€159k€112k▼
Amounts receivable within one year40/41€2k€46k▲
Other amounts receivable41€2k€46k▲
Cash at bank and in hand54/58€153k€62k▼
Deferred charges and accrued income490/1€4k€4k▼
Equity and liabilities
Total equity and liabilities10/49€2.58M€2.53M▼
Equity10/15€914k€915k=
Contributions10/11€496k€496k=
Profit (loss) carried forward14€419k€419k▲
Amounts payable17/49€1.66M€1.61M▼
Amounts payable after more than one year17€1.54M€1.46M▼
Financial debts170/4€1.54M€1.46M▼
Amounts payable within one year42/48€49k€85k▲
Trade debts44€0€586▲
Suppliers440/4€0€586▲
Taxes, remuneration and social security45€9k€44k▲
Taxes450/3€2k€37k▲
Remuneration and social security454/9€7k€7k▲
Other amounts payable47/48€40k€40k=
Accrued charges and deferred income492/3€72k€64k▼
Income statement
Code20242025
Remuneration, social security and pensions62€56k€60k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€837€9k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€171k€173k▲
Operating profit (loss)9901€114k€102k▼
Financial income75/76B€3k€4k▲
Recurring financial income75€3k€4k▲
Financial charges65/66B€72k€64k▼
Recurring financial charges65€72k€64k▼
Profit (loss) for the period before taxes9903€45k€42k▼
Income taxes67/77€2k€1k▼
Profit (loss) for the period9904€43k€40k▼
Profit (loss) for the period to be appropriated9905€43k€40k▼
Appropriation of the result
Profit (loss) to be appropriated9906€459k€459k▲
Profit (loss) brought forward from the previous period14P€415k€419k▲
Transfer from equity791/2€0-
Profit to be distributed694/7€40k€40k=
Directors or managers695€40k€40k=
Social balance
Average headcount (FTE)90871.01.0=
The notes to these accounts (15 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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
12-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-12
Financial
Liquidity doublescurrent ratio 5.10
Current ratio from 2.45 to 5.10; short-term debt falls from €115k to €21k.
05-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-12
Financial
Highest result since 2018net €354k ▲1086%
Net result €354k, the highest in the series.
30-12
Financial
Liquidity doublescurrent ratio 9.86
Current ratio from 4.56 to 9.86; short-term debt falls from €29k to €20k.
07-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
08-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-12
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
04-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
11-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Tielt · 1 establishment unit since 1999
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.
Pittemsesteenweg 138700 TieltGround area
3,770 m²
Building footprint
1,008 m²
Volume, LiDAR
7,289 m³
Parcel 37015A1002/00H004, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Pittemsesteenweg 13, 8700 Tielt
since 19992.090.476.001
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37015A1002/00H004 | Flanders | 3,770 m² | 1 · 1,008 m² | 8.9 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
VANTIEGHEM MCI
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QUATORZE JUILLET
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MARANN
BE 0870.799.682
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FINUM HOLDING
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VASTGOED B.N.E.
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Of 24,637 companies in sector 64210 we hold annual accounts for 19,690. 12,858 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-12-1998
Fiscal year end30-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
74855
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.