FINDY
ActiveSummary
FINDY has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €297,374 and a net result of €3,249. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 93% of 1958 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability70▲+2
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24,000 at 30 days acceptable
Liquidity ample (current ratio 18.87 against 11.93 in 2024; short-term debt: 4.6% and cash: 13.9% of total assets), and 6.1% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 63
Relative position
BE, all sectors
reference
Computing infrastructure, data processing, hosting and other information service activities (NACE 63)
about 52% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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
93.9%
Return on assets
1%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 07-01-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
1 d early
2023
2 d early
2022
18 d early
2021
17 d early
2020
9 d early
2019
14 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 8 days before the deadline; the sector median for financial year 2024 is 10 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 14 January (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close01-10-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
In the rankings
#1 oldest company in Grobbendonk, Telecoms and IT sector#8 company by equity in Grobbendonk, Telecoms and IT sector
Equity
€297,374▲ 1.1%
2024 · €294,126
Total assets
€316,664▼ 0.1%
2024 · €316,840
Net result
€3,249
2024 · -€1,493
Working capital
€262,457▲ 9.3%
2024 · €240,131
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 63, Computing infrastructure, data processing, hosting and other information service activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€2,122▲ 54.9%€356,317€7,779▼ 97.8%-€983€2,163
Net result-€2,474below the sector's middle half▲ 62.2%€324,979above the sector's middle half€5,024within the sector's middle half▼ 98.5%-€1,493below the sector's middle half€3,249within the sector's middle half
Equity€264,447within the sector's middle half▼ 0.9%€589,425above the sector's middle half▲ 123%€295,619above the sector's middle half▼ 49.8%€294,126above the sector's middle half▼ 0.5%€297,374above the sector's middle half▲ 1.1%
Total assets€288,084within the sector's middle half▲ 6.9%€639,507above the sector's middle half▲ 122%€330,957above the sector's middle half▼ 48.2%€316,840above the sector's middle half▼ 4.3%€316,664above the sector's middle half▼ 0.1%
Debt€23,638▲ 789%€50,082▲ 112%€35,338▼ 29.4%€22,715▼ 35.7%€19,290▼ 15.1%
Working capital€136,587within the sector's middle half▼ 7.8%€581,871above the sector's middle half▲ 326%€226,407above the sector's middle half▼ 61.1%€240,131above the sector's middle half▲ 6.1%€262,457above the sector's middle half▲ 9.3%
Solvency91.8%above the sector's middle half▼ 7.2pp92.2%above the sector's middle half▲ 0.4pp89.3%above the sector's middle half▼ 2.8pp92.8%above the sector's middle half▲ 3.5pp93.9%above the sector's middle half▲ 1.1pp
Current ratio7.22above the sector's middle half▼ 57.9212.78above the sector's middle half▲ 5.577.54above the sector's middle half▼ 5.2411.93above the sector's middle half▲ 4.3818.87above the sector's middle half▲ 6.94
Return on assets (ROA)-0.9%below the sector's middle half▲ 1.6pp50.8%above the sector's middle half▲ 51.7pp1.5%within the sector's middle half▼ 49.3pp-0.5%below the sector's middle half▼ 2.0pp1.0%below the sector's middle half▲ 1.5pp
above
within
below
the middle half (P25 to P75) of NACE 63, Computing infrastructure, data processing, hosting and other information service activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €2,163 after a loss of €983 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €316,664
Fixed assets
€39,517 ▼ 27.8%
Current assets
€277,147 ▲ 5.7%
Equity and liabilities €316,664
Equity
€297,374 ▲ 1.1%
Debt
€19,290 ▼ 15.1%
Debt's share of the balance-sheet total falls from 7.2% to 6.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€17,378▲
2024 · €14,232
Cash flow
€18,463▲
2024 · €13,722
Debt to equity
0.06▼
2024 · 0.08
ROE
1.1%▲
2024 · -0.5%
Interest coverage
34.74▲
2024 · 8.33
Debt ≤ 1 year
€14,690▼
2024 · €21,977
Income taxes
€482▲
2024 · €317
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 17,040 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.5%
went bankrupt
4.9%
stopped otherwise
94%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 17,040 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €347,923 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €548 | €2,200 | €3,379 | €15,215 | €15,215 | = |
| Other operating charges640/8 | - | €579 | €1,039 | €634 | €691 | ▲ 9.0% |
| Gross operating margin9900 | -€998 | €359,096 | €12,197 | €14,866 | €18,070 | ▲ 21.5% |
| Operating profit (loss)9901 | -€2,122 | €356,317 | €7,779 | -€983 | €2,163 | ▲ 320% |
| Financial income75/76B | - | €195 | €377 | €1,514 | €2,068 | ▲ 36.5% |
| Recurring financial income75 | €300 | €195 | €377 | €1,514 | €2,068 | ▲ 36.5% |
| Financial charges65/66B | - | €2,462 | €2,505 | €1,708 | €500 | ▼ 70.7% |
| Recurring financial charges65 | €621 | €2,462 | €2,505 | €1,708 | €500 | ▼ 70.7% |
| Profit (loss) for the period before taxes9903 | -€2,443 | €354,050 | €5,651 | -€1,176 | €3,731 | ▲ 417% |
| Income taxes67/77 | €32 | €29,071 | €628 | €317 | €482 | ▲ 52.3% |
| Profit (loss) for the period9904 | -€2,474 | €324,979 | €5,024 | -€1,493 | €3,249 | ▲ 318% |
| Profit (loss) for the period to be appropriated9905 | -€2,474 | €324,979 | €5,024 | -€1,493 | €3,249 | ▲ 318% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €288,084 | €639,507 | €330,957 | €316,840 | €316,664 | ▼ 0.1% |
| Fixed assets21/28 | €129,529 | €8,252 | €69,947 | €54,732 | €39,517 | ▼ 27.8% |
| Tangible fixed assets22/27 | €10,452 | €8,252 | €69,947 | €54,732 | €39,517 | ▼ 27.8% |
| Plant, machinery and equipment23 | - | - | €1,759 | €1,382 | €1,005 | ▼ 27.3% |
| Furniture and vehicles24 | - | €8,252 | €68,188 | €53,350 | €38,512 | ▼ 27.8% |
| Financial fixed assets28 | €119,077 | - | - | - | - | - |
| Current assets29/58 | €158,556 | €631,256 | €261,011 | €262,109 | €277,147 | ▲ 5.7% |
| Amounts receivable within one year40/41 | €6,109 | €6,896 | €9,979 | €7,730 | €7,988 | ▲ 3.3% |
| Trade receivables40 | - | €6,896 | €7,502 | €7,730 | €7,800 | ▲ 0.9% |
| Other amounts receivable41 | - | - | €2,477 | €0 | €188 | - |
| Current investments50/53 | €27,102 | €24,381 | €22,624 | €118,855 | €223,440 | ▲ 88.0% |
| Cash at bank and in hand54/58 | €124,694 | €599,456 | €226,444 | €134,128 | €43,880 | ▼ 67.3% |
| Deferred charges and accrued income490/1 | - | €523 | €1,964 | €1,396 | €1,839 | ▲ 31.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €288,084 | €639,507 | €330,957 | €316,840 | €316,664 | ▼ 0.1% |
| Equity10/15 | €264,447 | €589,425 | €295,619 | €294,126 | €297,374 | ▲ 1.1% |
| Contributions10/11 | €281,726 | €281,726 | €1,000 | €1,000 | €1,000 | = |
| Capital10 | - | €281,726 | - | - | - | - |
| Issued capital100 | - | €281,726 | - | - | - | - |
| Outside capital11 | - | - | €1,000 | - | - | - |
| Other1109/19 | - | - | €1,000 | - | - | - |
| Reserves13 | €18,169 | €307,699 | €294,619 | €294,619 | €296,374 | ▲ 0.6% |
| Non-distributable reserves130/1 | - | €18,169 | - | - | - | - |
| Legal reserve130 | - | €18,169 | - | - | - | - |
| Distributable reserves133 | - | €289,531 | €294,619 | €294,619 | €296,374 | ▲ 0.6% |
| Profit (loss) carried forward14 | -€35,448 | - | - | -€1,493 | €0 | ▲ 100% |
| Amounts payable17/49 | €23,638 | €50,082 | €35,338 | €22,715 | €19,290 | ▼ 15.1% |
| Amounts payable within one year42/48 | €21,969 | €49,384 | €34,604 | €21,977 | €14,690 | ▼ 33.2% |
| Trade debts44 | - | - | €109 | €0 | - | - |
| Suppliers440/4 | - | - | €109 | €0 | - | - |
| Taxes, remuneration and social security45 | - | €35,576 | €9,411 | €12,395 | €6,748 | ▼ 45.6% |
| Taxes450/3 | - | €34,076 | €7,911 | €10,895 | €5,248 | ▼ 51.8% |
| Remuneration and social security454/9 | - | €1,500 | €1,500 | €1,500 | €1,500 | = |
| Other amounts payable47/48 | - | €13,808 | €25,084 | €9,582 | €7,942 | ▼ 17.1% |
| Accrued charges and deferred income492/3 | - | €698 | €734 | €737 | €4,600 | ▲ 524% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€2,474 | €324,979 | €5,024 | -€1,493 | €3,249 | ▲ 318% |
| + Depreciation and write-downs630 | €548 | €2,200 | €3,379 | €15,215 | €15,215 | = |
| Operating cash flow (approximation) | -€1,926 | €327,179 | €8,402 | €13,722 | €18,463 | ▲ 34.6% |
| Investment in fixed assets (approximation) | - | €119,077 | -€65,074 | €0 | €0 | - |
| Change in cash | - | €474,762 | -€373,012 | -€92,316 | -€90,248 | ▲ 2.2% |
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
Next filing, fiscal year 2026, expected by
2026
07-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Back to profitnet €3,249
Net result €3,249 after one loss-making year.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
13-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Back to profitnet €324,979
Net result €324,979 after 2 loss-making years.
30-06
Financial
Equity above €500,000Eq €589,425 ▲123%
Equity rises from €264,447 to €589,425.
14-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
22-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
Financial
Weakest financial yearnet -€6,549
Net result drops to -€6,549, the lowest in the series; recovery starts the following year.
14-02
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 14 days late
2019
28-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
22-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
26-01
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.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 0 of 3 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Grobbendonk · 1 establishment unit since 1996
Ground area
2,388 m²
Building footprint
374 m²
Volume, LiDAR
1,890 m³
Parcel 13010E0185/00M002, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Parklaan 5, 2280 Grobbendonk
since 19962.075.978.954
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13010E0185/00M002 | Flanders | 2,388 m² | 1 · 374 m² | 8.6 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
984500BF3A06F48C1036
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Of 3,148 companies in this sector we hold annual accounts for 1,526. 1,102 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded06-03-1996
Fiscal year end30-06
Activities, NACEBEL 2025
63920Other information service activities
68201Renting and operating of own or leased residential real estate, excluding social housing
82100Office administrative and support services
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0457456354
Also
9925:BE0457456354
Registered
30-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.