FINEDIT
ActiveSummary
FINEDIT has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.8m and a net result of -€1,737. Equity is growing by ~35.9% per year across the filed fiscal years. Its solvency ranks better than 72% of 3342 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability28▼-58
Solvency94▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €110,000 at 30 days acceptable
Liquidity tight (current ratio 1.31 against 1.47 in 2024; short-term debt: 29.9% and cash: 5.3% of total assets), and 30.8% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five 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 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% 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
69.2%
Return on assets
-0.1%
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 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
4 d early
2023
on the day
2022
2 d early
2021
2 d late
2020
on the day
2019
on the day
← 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 1 day before the deadline; the sector median for financial year 2024 is 9 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 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 30 April (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 close30-09-2026 today30-04-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€1.8m▼ 0.1%
2024 · €1.8m
Total assets
€2.6m▲ 0.4%
2024 · €2.6m
Net result
-€1,737
2024 · €362,778
Working capital
€239,696▼ 31.3%
2024 · €348,691
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 69, Legal and accounting 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€437,348▲ 80.5%€641,264▲ 46.6%€514,471▼ 19.8%€565,116▲ 9.8%€32,493▼ 94.3%
Net result€317,518above the sector's middle half▲ 98.9%€456,439above the sector's middle half▲ 43.8%€366,018above the sector's middle half▼ 19.8%€362,778above the sector's middle half▼ 0.9%-€1,737below the sector's middle half
Equity€601,527above the sector's middle half▲ 112%€1.1mabove the sector's middle half▲ 75.9%€1.4mabove the sector's middle half▲ 34.6%€1.8mabove the sector's middle half▲ 25.5%€1.8mabove the sector's middle half▼ 0.1%
Total assets€1.2mabove the sector's middle half▲ 61.6%€1.6mwithin the sector's middle half▲ 33.2%€2.0mwithin the sector's middle half▲ 22.8%€2.6mwithin the sector's middle half▲ 30.2%€2.6mabove the sector's middle half▲ 0.4%
Debt€591,277▲ 31.9%€535,634▼ 9.4%€536,835▲ 0.2%€769,832▲ 43.4%€782,579▲ 1.7%
Working capital-€165,115below the sector's middle half€264,094within the sector's middle half€373,396within the sector's middle half▲ 41.4%€348,691within the sector's middle half▼ 6.6%€239,696within the sector's middle half▼ 31.3%
Solvency49.9%within the sector's middle half▲ 11.8pp65.9%within the sector's middle half▲ 16.0pp72.2%above the sector's middle half▲ 6.3pp69.6%within the sector's middle half▼ 2.6pp69.2%within the sector's middle half▼ 0.3pp
Current ratio0.67below the sector's middle half▼ 0.471.58within the sector's middle half▲ 0.911.78within the sector's middle half▲ 0.211.47within the sector's middle half▼ 0.311.31within the sector's middle half▼ 0.16
Return on assets (ROA)26.3%within the sector's middle half▲ 4.9pp28.4%above the sector's middle half▲ 2.1pp18.6%within the sector's middle half▼ 9.9pp14.1%within the sector's middle half▼ 4.4pp-0.1%below the sector's middle half▼ 14.2pp
above
within
below
the middle half (P25 to P75) of NACE 69, Legal and accounting 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 falls in 2025; 2025 is 94% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.6m
Fixed assets
€1.6m ▲ 5.8%
Current assets
€1.0m ▼ 6.9%
Equity and liabilities €2.6m
Equity
€1.8m ▼ 0.1%
Provisions
€11,135 ▼ 5.0%
Debt
€782,579 ▲ 1.7%
Debt's share of the balance-sheet total rises from 30.0% to 30.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€53,869▼
2024 · €604,118
Cash flow
€19,639▼
2024 · €401,781
Debt to equity
0.44▲
2024 · 0.43
ROE
-0.1%▼
2024 · 20.3%
Interest coverage
1.06▼
2024 · 12.27
Debt ≤ 1 year
€769,893▲
2024 · €736,067
Debt > 1 year
€12,686▼
2024 · €33,765
Income taxes
€9,931▼
2024 · €177,724
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €44,685 | €43,940 | €39,543 | €39,002 | €21,376 | ▼ 45.2% |
| Other operating charges640/8 | €4,678 | €6,464 | €6,925 | €4,885 | €6,116 | ▲ 25.2% |
| Gross operating margin9900 | €486,712 | €691,668 | €560,938 | €609,003 | €59,985 | ▼ 90.2% |
| Operating profit (loss)9901 | €437,348 | €641,264 | €514,471 | €565,116 | €32,493 | ▼ 94.3% |
| Financial income75/76B | €18 | €3 | €6,079 | €24,022 | €25,910 | ▲ 7.9% |
| Recurring financial income75 | €18 | €3 | €6,079 | €24,022 | €25,910 | ▲ 7.9% |
| Financial charges65/66B | €5,036 | €24,346 | €23,354 | €49,222 | €50,795 | ▲ 3.2% |
| Recurring financial charges65 | €5,036 | €24,346 | €23,354 | €49,222 | €50,795 | ▲ 3.2% |
| Profit (loss) for the period before taxes9903 | €432,330 | €616,921 | €497,196 | €539,916 | €7,607 | ▼ 98.6% |
| Transfer from deferred taxes780 | €586 | €586 | €586 | €586 | €586 | = |
| Income taxes67/77 | €115,398 | €161,068 | €131,764 | €177,724 | €9,931 | ▼ 94.4% |
| Profit (loss) for the period9904 | €317,518 | €456,439 | €366,018 | €362,778 | -€1,737 | ▼ 100% |
| Transfer from tax-exempt reserves789 | €1,138 | €1,138 | €1,138 | €1,138 | €1,138 | = |
| Profit (loss) for the period to be appropriated9905 | €318,656 | €457,577 | €367,156 | €363,917 | -€599 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.2m | €1.6m | €2.0m | €2.6m | €2.6m | ▲ 0.4% |
| Fixed assets21/28 | €874,975 | €883,270 | €1.1m | €1.5m | €1.6m | ▲ 5.8% |
| Tangible fixed assets22/27 | €344,640 | €304,620 | €265,078 | €226,076 | €219,121 | ▼ 3.1% |
| Land and buildings22 | €243,450 | €233,621 | €223,792 | €214,080 | €204,367 | ▼ 4.5% |
| Plant, machinery and equipment23 | €46,123 | €34,288 | €22,930 | €11,996 | €13,580 | ▲ 13.2% |
| Furniture and vehicles24 | €55,067 | €36,712 | €18,356 | €0 | €1,173 | - |
| Financial fixed assets28 | €530,335 | €578,650 | €856,395 | €1.3m | €1.4m | ▲ 7.4% |
| Current assets29/58 | €331,308 | €723,222 | €851,653 | €1.1m | €1.0m | ▼ 6.9% |
| Amounts receivable within one year40/41 | €112,443 | €129,209 | €240,516 | €530,430 | €636,443 | ▲ 20.0% |
| Trade receivables40 | €112,443 | €101,099 | €117,291 | €33,275 | €3,000 | ▼ 91.0% |
| Other amounts receivable41 | - | €28,110 | €123,225 | €497,155 | €633,443 | ▲ 27.4% |
| Current investments50/53 | €59,572 | €59,572 | €358,333 | €87,430 | €237,430 | ▲ 172% |
| Cash at bank and in hand54/58 | €158,084 | €534,442 | €252,803 | €466,898 | €135,715 | ▼ 70.9% |
| Deferred charges and accrued income490/1 | €1,209 | - | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.2m | €1.6m | €2.0m | €2.6m | €2.6m | ▲ 0.4% |
| Equity10/15 | €601,527 | €1.1m | €1.4m | €1.8m | €1.8m | ▼ 0.1% |
| Contributions10/11 | €30,987 | €30,987 | €30,987 | €61,500 | €61,500 | = |
| Capital10 | €30,987 | €30,987 | €30,987 | €61,500 | €61,500 | = |
| Issued capital100 | €30,987 | €30,987 | €30,987 | €61,500 | €61,500 | = |
| Reserves13 | €80,700 | €79,562 | €78,424 | €410,689 | €409,551 | ▼ 0.3% |
| Non-distributable reserves130/1 | €3,099 | €3,099 | €3,099 | €3,099 | €3,099 | = |
| Legal reserve130 | €3,099 | €3,099 | €3,099 | €3,099 | €3,099 | = |
| Tax-exempt reserves132 | €26,177 | €25,039 | €23,901 | €22,763 | €21,624 | ▼ 5.0% |
| Distributable reserves133 | €51,425 | €51,425 | €51,425 | €384,828 | €384,828 | = |
| Profit (loss) carried forward14 | €489,840 | €947,417 | €1.3m | €1.3m | €1.3m | = |
| Provisions and deferred taxes16 | €13,479 | €12,893 | €12,307 | €11,721 | €11,135 | ▼ 5.0% |
| Deferred taxes168 | €13,479 | €12,893 | €12,307 | €11,721 | €11,135 | ▼ 5.0% |
| Amounts payable17/49 | €591,277 | €535,634 | €536,835 | €769,832 | €782,579 | ▲ 1.7% |
| Amounts payable after more than one year17 | €92,229 | €73,505 | €54,027 | €33,765 | €12,686 | ▼ 62.4% |
| Financial debts170/4 | €92,229 | €73,505 | €54,027 | €33,765 | €12,686 | ▼ 62.4% |
| Amounts payable within one year42/48 | €496,423 | €459,128 | €478,256 | €736,067 | €769,893 | ▲ 4.6% |
| Current portion of amounts payable after more than one year42 | €17,999 | €18,724 | €19,478 | €20,263 | €21,079 | ▲ 4.0% |
| Trade debts44 | €23,312 | €8,332 | €4,472 | €34,495 | €10,688 | ▼ 69.0% |
| Suppliers440/4 | €23,312 | €8,332 | €4,472 | €34,495 | €10,688 | ▼ 69.0% |
| Taxes, remuneration and social security45 | €58,671 | €24,781 | €46,813 | €22,270 | €12,977 | ▼ 41.7% |
| Taxes450/3 | €58,671 | €24,781 | €46,813 | €22,270 | €12,977 | ▼ 41.7% |
| Other amounts payable47/48 | €396,441 | €407,291 | €407,493 | €659,040 | €725,150 | ▲ 10.0% |
| Accrued charges and deferred income492/3 | €2,625 | €3,000 | €4,552 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €317,518 | €456,439 | €366,018 | €362,778 | -€1,737 | ▼ 100% |
| + Depreciation and write-downs630 | €44,685 | €43,940 | €39,543 | €39,002 | €21,376 | ▼ 45.2% |
| Operating cash flow (approximation) | €362,203 | €500,379 | €405,561 | €401,781 | €19,639 | ▼ 95.1% |
| Investment in fixed assets (approximation) | - | -€52,236 | -€277,746 | -€401,086 | -€106,970 | ▲ 73.3% |
| Change in cash | - | €376,357 | -€281,638 | €214,095 | -€331,183 | ▼ 255% |
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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
26-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
06-05
State Gazette act
Capital & shares · Statutes amendmentCapital increase · Capital · Power of attorney5 facts ▸
State Gazette act
Capital & shares · Statutes amendment
Capital increase · Capital · Power of attorney5 facts ▸
- General meeting, 23-04-2024
- Capital increase, €61.500
- Capital, €61.500
- Statutes amendment
- Power of attorney, FINEDIT
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
Financial
Highest result since 2018net €456,439 ▲43.8%
Operating result €641,264, net result €456,439, both a record.
30-09
Financial
Liquidity doublescurrent ratio 1.58
Current ratio from 0.67 to 1.58; short-term debt falls from €496,423 to €459,128.
30-09
Financial
Equity above €1mEq €1.1m ▲75.9%
4 profitable years in a row build equity to €1.1m.
02-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
2021
30-09
Financial
Equity above €500,000Eq €601,527 ▲112%
3 profitable years in a row build equity to €601,527.
06-05
State Gazette act
Registered office · Other addressesRegistered-office move2 facts ▸
State Gazette act
Registered office · Other addresses
Registered-office move2 facts ▸
- General meeting, 17/03/2021
- Registered-office move, Lindenstraat 1, 9831 Sint-Martens-Latem
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Show earlier events
2020
30-09
Financial
Equity above €200,000Eq €284,008 ▲128%
2 profitable years in a row build equity to €284,008.
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Back to profitnet €47,310
Net result €47,310 after one loss-making year.
30-09
Financial
Equity above €100,000Eq €124,351 ▲61.4%
Equity rises from €77,041 to €124,351.
29-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
05-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
27-07
State Gazette act
Reappointments: Laurence Boens (director) and Peter Vandekerckhove (director)5 facts ▸
State Gazette act
Reappointments: Laurence Boens (director) and Peter Vandekerckhove (director)
5 facts ▸
- General meeting, 21/03/2016
- Director reappointment, Laurence Boens (director)
- Director reappointment, Peter Vandekerckhove (director)
- Director reappointment, Laurence Boens (managing director)
- Director reappointment, Peter Vandekerckhove (managing director)
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
3 of 3 acts read
Directors · office · real estate
Directors
2 directors, no change since 2016
Board 2
Laurence Boens
Not recently confirmedDirector · since 21-03-2016
Peter Vandekerckhove
Not recently confirmedDirector · since 21-03-2016
Day-to-day management 2
Laurence Boens
Not recently confirmedManaging director · since 21-03-2016
Peter Vandekerckhove
Not recently confirmedManaging director · since 21-03-2016
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Location & real-estate footprint
Registered office, Sint-Martens-Latem · 1 establishment unit since 1989
Ground area
2,351 m²
Building footprint
400 m²
Volume, LiDAR
1,172 m³
Parcel 44015A0103/00H000, Flanders · tallest building 10.1 m, ±1 floor. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
FINEDIT
since 19892.045.305.772
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44015A0103/00H000 | Flanders | 2,351 m² | 1 · 400 m² | 10.1 m · 1 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.
Mandate history
2 people since 2016, 2 in office
- Board
- Day-to-day management
- not recently confirmed
- began earlier
| Name | Functions and periods |
|---|---|
| Laurence Boens |
|
| Peter Vandekerckhove |
|
Articles of association
Purpose
Verrichten van financiële analyse voor erkende financiële instellingen en persorganen, organiseren van cursussen en voordrachten, schrijven van artikel, uitgeven van tijdschriften.…
Full purpose
Verrichten van financiële analyse voor erkende financiële instellingen en persorganen, organiseren van cursussen en voordrachten, schrijven van artikel, uitgeven van tijdschriften. De aankoop, verkoop en ruiling, het beheer en de valorisatie van alle onroerende goederen en alle operaties die betrekking hebben op het onroerend patrimoniumbeheer van de vennootschap. Vervreemding zal slechts kunnen geschieden in gebiedende omstandigheden. De vennootschap mag zich niet bezighouden met handelingen die zijn voorbehouden aan vennootschappen voor vermogensbeheer en beleggingsadvies. Alsmede alle verrichtingen van commerciële, industriële, roerende, onroerende en financiële aard die rechtstreeks of onrechtstreeks met dit voorwerp verwant of verknocht zijn of de verwezenlijking ervan kunnen bevorderen. De vennootschap mag haar voorwerp verwezenlijken zowel in België als in het buitenland, op alle wijzen en manieren die zij het best geschikt acht.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 30-09-2025 list no shareholders, and no other source names one.
Holdings 1
-
50%
According to the annual accounts to 30-09-2025 of FINEDIT and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
8 connected companiesThis company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, scroll to zoom.
Linked via shared directors
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Shared director
→
EP Power Grit
Shared director
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European Association of Silica Producers
Shared director
→
INDUSTRIAL MINERALS ASSOCIATION EUROPE
Shared director
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Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
1 location
Capital and shareholders
Capital over the years
- 06-05-2024 Capital increase · to 61,500 EUR · from reserves
Recognitions · licences · registrations
Legal Entity Identifier
699400ZKDT1ERP0G5A33
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Of 2,265 companies in sector 69209 we hold annual accounts for 1,101. 476 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded30-08-1989
Fiscal year end30-09
Activities, NACEBEL 2025
69209Other tax advisory services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0438266685
Also
9925:BE0438266685
Registered
10-07-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.