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FINEDIT

Active
Public limited companyfounded 198937 yrs activeLindenstraat 1, 9831 Sint-Martens-Latem, BelgiumKBO/BCE: BE 0438.266.685
Summary

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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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 date
Age against the risk zone
highest failure risk from 2 to 8 years 37 years 0 40 y
lowers risk · Lower-risk legal form
Companies with this legal form statistically fail less often than a BV.
KBO · legal form
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, 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 filings
Deviation 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 months
Position in the running window
30-09-2026 close30-09-2026 today30-04-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 30 August 1989, FINEDIT was incorporated.1 In 2021 the registered office moved to Sint-Martens-Latem.2 A capital increase in 2024 brought the capital to EUR 61,500.3 Total assets went from EUR 334,484 in 2018 to EUR 2.6 million in 2025.4

  1. 1Crossroads Bank for Enterprises
  2. 2Belgian State Gazette, 06-05-2021
  3. 3Belgian State Gazette, 06-05-2024
  4. 4National Bank, annual accounts 2018 and 2025

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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

Click a name to add, emphasise or remove a line.Band: 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.

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
-€200,000€0€200,000€400,000€600,000Operating result 2021: €437,348€437,348Net result 2021: €317,518€317,518Operating result 2022: €641,264€641,264Net result 2022: €456,439€456,439Operating result 2023: €514,471€514,471Net result 2023: €366,018€366,018Operating result 2024: €565,116€565,116Net result 2024: €362,778€362,778Operating result 2025: €32,493€32,493Net result 2025: -€1,737-€1,73720212022202320242025-€200,000€0€200,000€400,000€600,000Operating result 2023: €514,471€514,000Net result 2023: €366,018€366,000Operating result 2024: €565,116€565,000Net result 2024: €362,778€363,000Operating result 2025: €32,493€32,500Net result 2025: -€1,737-€1,740202320242025
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
2025 value · change against 2024
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
Filed annual accounts As filed with the NBB · 2025 against 2024 · 54 lines
Balance sheet Code20242025
Assets
Total assets20/58€2.6m€2.6m▲
Fixed assets21/28€1.5m€1.6m▲
Tangible fixed assets22/27€226,076€219,121▼
Land and buildings22€214,080€204,367▼
Plant, machinery and equipment23€11,996€13,580▲
Furniture and vehicles24€0€1,173▲
Financial fixed assets28€1.3m€1.4m▲
Current assets29/58€1.1m€1.0m▼
Amounts receivable within one year40/41€530,430€636,443▲
Trade receivables40€33,275€3,000▼
Other amounts receivable41€497,155€633,443▲
Current investments50/53€87,430€237,430▲
Cash at bank and in hand54/58€466,898€135,715▼
Equity and liabilities
Total equity and liabilities10/49€2.6m€2.6m▲
Equity10/15€1.8m€1.8m▼
Contributions10/11€61,500€61,500=
Capital10€61,500€61,500=
Issued capital100€61,500€61,500=
Reserves13€410,689€409,551▼
Non-distributable reserves130/1€3,099€3,099=
Legal reserve130€3,099€3,099=
Tax-exempt reserves132€22,763€21,624▼
Distributable reserves133€384,828€384,828=
Profit (loss) carried forward14€1.3m€1.3m=
Provisions and deferred taxes16€11,721€11,135▼
Deferred taxes168€11,721€11,135▼
Amounts payable17/49€769,832€782,579▲
Amounts payable after more than one year17€33,765€12,686▼
Financial debts170/4€33,765€12,686▼
Amounts payable within one year42/48€736,067€769,893▲
Current portion of amounts payable after more than one year42€20,263€21,079▲
Trade debts44€34,495€10,688▼
Suppliers440/4€34,495€10,688▼
Taxes, remuneration and social security45€22,270€12,977▼
Taxes450/3€22,270€12,977▼
Other amounts payable47/48€659,040€725,150▲
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39,002€21,376▼
Other operating charges640/8€4,885€6,116▲
Gross operating margin9900€609,003€59,985▼
Operating profit (loss)9901€565,116€32,493▼
Financial income75/76B€24,022€25,910▲
Recurring financial income75€24,022€25,910▲
Financial charges65/66B€49,222€50,795▲
Recurring financial charges65€49,222€50,795▲
Profit (loss) for the period before taxes9903€539,916€7,607▼
Transfer from deferred taxes780€586€586=
Income taxes67/77€177,724€9,931▼
Profit (loss) for the period9904€362,778-€1,737▼
Transfer from tax-exempt reserves789€1,138€1,138=
Profit (loss) for the period to be appropriated9905€363,917-€599▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.7m€1.3m▼
Profit (loss) brought forward from the previous period14P€1.3m€1.3m=
Transfer to equity691/2€363,917-
To other reserves6921€363,917-

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
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%
Line20212022202320242025Change
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---
Line20212022202320242025Change
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.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 30-04-2027
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 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 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 ▸
  • 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
Director · since 21-03-2016
Not recently confirmed
Peter Vandekerckhove
Director · since 21-03-2016
Not recently confirmed

Day-to-day management 2

Laurence Boens
Managing director · since 21-03-2016
Not recently confirmed
Peter Vandekerckhove
Managing director · since 21-03-2016
Not recently confirmed
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
seat establishment The establishment unit on the map
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
Lindenstraat 1, 9831 Sint-Martens-LatemReal estate activities
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
Show
  • Board
  • Day-to-day management
  • not recently confirmed
  • began earlier
Mandates per person, with start and end dates
Name Functions and periods
Laurence Boens
  • Director, already before 21-03-2016 not ended, last confirmed 27-07-2016
  • Managing director, already before 21-03-2016 not ended, last confirmed 27-07-2016
Peter Vandekerckhove
  • Director, already before 21-03-2016 not ended, last confirmed 27-07-2016
  • Managing director, already before 21-03-2016 not ended, last confirmed 27-07-2016
See the board, name and seat on a given date →

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 holding

Owners 0

The accounts to 30-09-2025 list no shareholders, and no other source names one.

Holdings 1

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 companies
Linked via shared directors
COFISA
Shared director
→
EP Power Grit
Shared director
→
Show 4 more companies with a shared director
N.Z.M.
Shared director
→
SCR - SIBELCO
Shared director
→
→
SILFIN
Shared director
→

Ownership & control

1 board mandate
Board mandates of this companythis company sits on their board1
1 location

Capital and shareholders

Capital over the years
  1. 06-05-2024 Capital increase · to 61,500 EUR · from reserves

Recognitions · licences · registrations

Legal Entity Identifier

699400ZKDT1ERP0G5A33
live in the LEI register

Similar companies · same sector, comparable size

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 29 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.