FINECO
ActiveFINECO has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €22k and a net result of €-11k. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 84% of 9517 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2024
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-100
Solvency100=
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 5.68 against 22.15 in 2023; short-term debt: 15.3% and cash: 65.1% of total assets), and 15.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
84.7%
Return on assets
-42.5%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 04-07-2025, 27 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
27 d early
2023
110 d early
2022
111 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€22k▼ 45.9%
2023 · €40k
2022: €22k
2023: €40k
2022 → 2024
Total assets
€26k▼ 38.5%
2023 · €42k
2022: €79k
2023: €42k
2022 → 2024
Net result
€-11k
2023 · €18k
2022: €60k
2023: €18k
2022 → 2024
Working capital
€18k▼ 44.7%
2023 · €33k
2022: €16k
2023: €33k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€22k-€40k▲ 83.0%€22k▼ 45.9%
Operating result€77k-€24k▼ 68.8%€-11k
Net result€60k-€18k▼ 69.7%€-11k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €11k after €24k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €26k
Fixed assets
€3k▼ 51.9%
Current assets
€22k▼ 35.9%
Equity and liabilities €26k
Equity
€22k▼ 45.9%
Debt
€4k▲ 150%
The debt ratio rises from 3.8% to 15.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-7k▼
2023 · €27k
Cash flow
€-7k▼
2023 · €21k
Solvency
84.7%▼
2023 · 96.2%
Current ratio
5.68▼
2023 · 22.15
Quick ratio
5.68▼
2023 · 22.15
Debt / equity
0.18▲
2023 · 0.04
ROE
-50.2%▼
2023 · 45.4%
ROA
-42.5%▼
2023 · 43.7%
Interest coverage
-103.13▼
2023 · 456.91
Debt
€4k▲
2023 · €2k
Debt ≤ 1 year
€4k▲
2023 · €2k
Income taxes
€15▼
2023 · €6k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€42k€26k▼
Fixed assets21/28€7k€3k▼
Tangible fixed assets22/27€7k€3k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€3k€950▼
Other tangible fixed assets26€2k€1k▼
Current assets29/58€35k€22k▼
Amounts receivable within one year40/41€5k€5k▼
Trade receivables40€0€1k▲
Other amounts receivable41€5k€4k▼
Cash at bank and in hand54/58€24k€17k▼
Deferred charges and accrued income490/1€5k€402▼
Equity and liabilities
Total equity and liabilities10/49€42k€26k▼
Equity10/15€40k€22k▼
Contributions10/11€5k€5k=
Reserves13€27k€27k=
Distributable reserves133€27k€27k=
Profit (loss) carried forward14€8k€-11k▼
Amounts payable17/49€2k€4k▲
Amounts payable within one year42/48€2k€4k▲
Trade debts44€462€271▼
Suppliers440/4€462€271▼
Taxes, remuneration and social security45€1k€1k▲
Taxes450/3€1k€1k▲
Other amounts payable47/48€0€3k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲
Other operating charges640/8-€387
Gross operating margin9900€27k€-7k▼
Operating profit (loss)9901€24k€-11k▼
Financial income75/76B€99€0▼
Recurring financial income75€99€0▼
Financial charges65/66B€60€69▲
Recurring financial charges65€60€69▲
Profit (loss) for the period before taxes9903€24k€-11k▼
Income taxes67/77€6k€15▼
Profit (loss) for the period9904€18k€-11k▼
Profit (loss) for the period to be appropriated9905€18k€-11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€18k€-3k▼
Profit (loss) brought forward from the previous period14P-€8k
Transfer from equity791/2€71€0▼
Transfer to equity691/2€11k€0▼
To other reserves6921€11k€0▼
Profit to be distributed694/7€0€8k▲
Return on contributions (dividend)694€0€8k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-11k ▼160%
Net result drops to €-11k, the lowest in the series.
12-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity times 17current ratio 22.15
Current ratio from 1.27 to 22.15; short-term debt falls from €58k to €2k.
11-04
NBB filing
Annual accounts filed
fiscal year 2022 · 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, Halle · 1 establishment unit since 2021
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.
Edingensesteenweg 5951500 HalleGround area
360 m²
Building footprint
66 m²
Parcel 23027E0189/00G000, Flanders · tallest building 0.1 m. Linked by address, not a title deed.
1 establishment unit
FINECO
since 20212.320.170.912
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23027E0189/00G000 | Flanders | 360 m² | 1 · 66 m² | 0.1 m |
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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Maal-Invest
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TrendsCo.
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PARELMOER BY KATRIEN COOREMAN
BE 1031.494.436
Maaseik · Eq €22k
Of 24,503 companies in sector 82990 we hold annual accounts for 9,402. 5,921 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-07-2021
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.