Findl 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 €720k and a net result of €183k. Equity is growing by ~46.7% per year across the filed fiscal years. Its solvency ranks better than 65% of 8018 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
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 30-09-2025 was due by 30-04-2026 and was filed on 25-03-2026, 36 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
36 d early
2024
2 d early
2023
12 d early
2022
30 d early
2021
30 d early
2020
30 d early
2019
34 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€720k▼ 27.3%
2024 · €990k
2018: €88k
2019: €153k
2020: €203k
2021: €308k
2022: €432k
2023: €860k
2024: €990k
2018 → 2025
Net result
€183k▲ 40.4%
2024 · €130k
2018: €42k
2019: €66k
2020: €51k
2021: €105k
2022: €125k
2023: €466k
2024: €130k
2018 → 2025
Total assets
€1.04M▲ 4.8%
2024 · €992k
2018: €187k
2019: €205k
2020: €240k
2021: €333k
2022: €444k
2023: €896k
2024: €992k
2018 → 2025
Solvency
69.3%▼ 30.6pp
2024 · 99.9%
2018: 47.0%
2019: 74.7%
2020: 84.6%
2021: 92.3%
2022: 97.2%
2023: 96.0%
2024: 99.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€308k-€432k▲ 40.4%€860k▲ 99.1%€990k▲ 15.2%€720k▼ 27.3%
Operating result€150k-€179k▲ 19.4%€537k▲ 200%€161k▼ 70.0%€246k▲ 52.9%
Net result€105k-€125k▲ 19.0%€466k▲ 273%€130k▼ 72.0%€183k▲ 40.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 53% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.04M
Fixed assets
€72k▼ 12.5%
Current assets
€967k▲ 6.4%
Equity and liabilities €1.04M
Equity
€720k▼ 27.3%
Debt
€320k▲ 21,637%
The debt ratio rises from 0.1% to 30.7%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
69.3%▼
2024 · 99.9%
ROE
25.4%▲
2024 · 13.2%
ROA
17.6%▲
2024 · 13.1%
Debt
€320k▲
2024 · €1k
Debt ≤ 1 year
€319k▲
2024 · €1k
Income taxes
€79k▲
2024 · €39k
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€992k€1.04M▲
Fixed assets21/28€83k€72k▼
Intangible fixed assets21€41k€32k▼
Tangible fixed assets22/27€11k€9k▼
Plant, machinery and equipment23-€2k
Furniture and vehicles24€11k€7k▼
Financial fixed assets28€31k€31k=
Current assets29/58€909k€967k▲
Amounts receivable after more than one year29€87k€91k▲
Other amounts receivable291€87k€91k▲
Amounts receivable within one year40/41€58k€0▼
Other amounts receivable41€58k€0▼
Current investments50/53€300k€300k=
Cash at bank and in hand54/58€464k€577k▲
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€992k€1.04M▲
Equity10/15€990k€720k▼
Contributions10/11€6k€19k▲
Reserves13€984k€701k▼
Non-distributable reserves130/1€2k€0▼
Reserves not available under the articles1311€2k€0▼
Distributable reserves133€982k€701k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€1k€320k▲
Amounts payable within one year42/48€1k€319k▲
Trade debts44€1k€1k▼
Suppliers440/4€1k€1k▼
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45-€168
Taxes450/3-€168
Other amounts payable47/48-€318k
Accrued charges and deferred income492/3-€153
Income statement
Code20242025
Non-recurring operating income76A€0€2k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€13k▲
Other operating charges640/8€1k€662▼
Gross operating margin9900€169k€260k▲
Operating profit (loss)9901€161k€246k▲
Financial income75/76B€9k€16k▲
Recurring financial income75€9k€16k▲
Financial charges65/66B€128€150▲
Recurring financial charges65€128€150▲
Profit (loss) for the period before taxes9903€169k€262k▲
Income taxes67/77€39k€79k▲
Profit (loss) for the period9904€130k€183k▲
Profit (loss) for the period to be appropriated9905€130k€183k▲
Appropriation of the result
Profit (loss) to be appropriated9906€130k€183k▲
Transfer from equity791/2€0€466k▲
Transfer to equity691/2€130k€183k▲
To other reserves6921€130k€183k▲
Profit to be distributed694/7€0€466k▲
Return on contributions (dividend)694€0€466k▲
The notes to these accounts (16 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
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Liquidity times 26current ratio 618.50
Current ratio from 23.78 to 618.50; short-term debt falls from €36k to €1k.
18-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Highest result since 2018net €466k ▲273%
Operating result €537k, net result €466k, both a record.
30-09
Financial
Equity above €500kEq €860k ▲99.1%
6 profitable years in a row build equity to €860k.
31-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Liquidity doublescurrent ratio 33.11
Current ratio from 15.91 to 33.11; short-term debt falls from €19k to €12k.
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Equity above €200kEq €203k ▲32.6%
3 profitable years in a row build equity to €203k.
27-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Liquidity triplescurrent ratio 5.79
Current ratio from 1.98 to 5.79; short-term debt falls from €68k to €29k.
30-09
Financial
Equity above €150kEq €153k ▲74.4%
2 profitable years in a row build equity to €153k.
28-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Scherpenheuvel-Zichem · 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.
Frans Smeyersstraat(KAG) 783270 Scherpenheuvel-ZichemGround area
2,312 m²
Building footprint
153 m²
Volume, LiDAR
635 m³
Parcel 24403C0087/00X002, Flanders · tallest building 6.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Findl
since 20162.253.728.979
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24403C0087/00X002 | Flanders | 2,312 m² | 1 · 153 m² | 6.4 m · 1 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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,764. 13,289 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-05-2016
Fiscal year end30-09
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.