FiNDRa Consult
ActiveFiNDRa Consult has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19k and a net result of €1k. Equity is growing by ~9.3% per year across the filed fiscal years. Its solvency ranks better than 59% of 31540 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability49▼-6
Solvency90▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 2.96 against 2.81 in 2024; short-term debt: 33.8% and cash: 85.1% of total assets), and 35.1% 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
64.9%
Return on assets
4.7%
Age of the figures
12 mo
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 02-12-2025, 149 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
149 d early
2024
162 d early
2023
166 d early
2022
157 d early
2021
159 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
17-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€19k▲ 7.9%
2024 · €18k
2021: €14k
2022: €14k
2023: €16k
2024: €18k
2021 → 2025
Total assets
€29k▲ 4.7%
2024 · €28k
2021: €35k
2022: €29k
2023: €40k
2024: €28k
2021 → 2025
Net result
€1k▼ 28.9%
2024 · €2k
2021: €9k
2022: €423
2023: €1k
2024: €2k
2021 → 2025
Working capital
€19k▲ 7.8%
2024 · €18k
2021: €14k
2022: €15k
2023: €16k
2024: €18k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€14k-€14k▲ 3.1%€16k▲ 10.1%€18k▲ 12.4%€19k▲ 7.9%
Operating result€18k-€3k▼ 83.6%€4k▲ 24.5%€5k▲ 31.5%€5k▼ 6.0%
Net result€9k-€423▼ 95.2%€1k▲ 241%€2k▲ 35.2%€1k▼ 28.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 6% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €29k
Equity
€19k▲ 7.9%
Debt
€10k▼ 0.7%
The debt ratio falls from 37.0% to 35.1%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
64.9%▲
2024 · 63.0%
Current ratio
2.96▲
2024 · 2.81
Quick ratio
2.96▲
2024 · 2.81
Debt / equity
0.54▼
2024 · 0.59
ROE
7.3%▼
2024 · 11.1%
ROA
4.7%▼
2024 · 7.0%
Debt
€10k▼
2024 · €10k
Debt ≤ 1 year
€10k▼
2024 · €10k
Income taxes
€3k▲
2024 · €3k
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€28k€29k▲
Current assets29/58€28k€29k▲
Amounts receivable within one year40/41€4k€4k▲
Trade receivables40€0-
Other amounts receivable41€4k€4k▲
Cash at bank and in hand54/58€24k€25k▲
Equity and liabilities
Total equity and liabilities10/49€28k€29k▲
Equity10/15€18k€19k▲
Contributions10/11€5k€5k=
Reserves13€12k€13k▲
Distributable reserves133€12k€13k▲
Profit (loss) carried forward14€564€652▲
Amounts payable17/49€10k€10k▼
Amounts payable within one year42/48€10k€10k▼
Trade debts44-€75
Suppliers440/4-€75
Taxes, remuneration and social security45€0-
Taxes450/3€0-
Other amounts payable47/48€10k€10k▼
Accrued charges and deferred income492/3€387€400▲
Income statement
Code20242025
Other operating charges640/8€565€1k▲
Gross operating margin9900€5k€6k▲
Operating profit (loss)9901€5k€5k▼
Financial income75/76B€0€24▲
Recurring financial income75€0€24▲
Financial charges65/66B€50€63▲
Recurring financial charges65€50€63▲
Profit (loss) for the period before taxes9903€5k€5k▼
Income taxes67/77€3k€3k▲
Profit (loss) for the period9904€2k€1k▼
Profit (loss) for the period to be appropriated9905€2k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€2k€2k▼
Profit (loss) brought forward from the previous period14P€511€564▲
Transfer to equity691/2€2k€1k▼
To other reserves6921€2k€1k▼
The notes to these accounts (1 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
2025
02-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
19-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
16-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
24-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-09
Financial
Weakest financial yearnet €423 ▼95.2%
Net result drops to €423, the lowest in the series; recovery starts the following year.
2021
22-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Gent · 1 establishment unit since 2019
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.
Vanillestraat 29041 GentGround area
711 m²
Building footprint
106 m²
Volume, LiDAR
517 m³
Parcel 44051C0498/00R000, Flanders · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FiNDRa Consult
since 20192.295.243.395
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44051C0498/00R000 | Flanders | 711 m² | 1 · 106 m² | 7.3 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.
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Buro Bonheur
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ECODE
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 30,073 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-10-2019
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.
Contact details
1 entryE-mail:findra.consult@telenet.be