Summary
FINEG is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €68.8m and a net result of €4.7m. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 90% of 5565 sector peers (fiscal year 2025). The company has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-06-2026, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
51 d early
2024
37 d early
2023
61 d early
2022
53 d early
2021
72 d early
2020
39 d early
2019
30 d early
← 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 49 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€68.8m▲ 2.1%
2024 · €67.4m
Net result
€4.7m▲ 5.9%
2024 · €4.5m
Total assets
€72.5m▼ 0.9%
2024 · €73.1m
Solvency
95.0%▲ 2.8pp
2024 · 92.2%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€161,103▲ 9.8%€76,841▼ 52.3%€251,434▲ 227%
Operating result€113,635▼ 8.5%-€18,436-€302,565▼ 1,541%-€289,580▲ 4.3%-€712,752▼ 146%
Net result€3.2m▲ 12.0%€3.1m▼ 2.6%€3.2m▲ 2.9%€4.5m▲ 39.5%€4.7m▲ 5.9%
Equity€61.7m▲ 1.4%€63.4m▲ 2.6%€65.0m▲ 2.6%€67.4m▲ 3.7%€68.8m▲ 2.1%
Total assets€63.9m▼ 1.0%€65.4m▲ 2.2%€72.1m▲ 10.3%€73.1m▲ 1.4%€72.5m▼ 0.9%
Debt€2.2m▼ 40.2%€2.0m▼ 8.7%€7.1m▲ 253%€5.7m▼ 20.1%€3.6m▼ 36.4%
Working capital€14.7m▲ 21.7%€15.9m▲ 8.7%€8.3m▼ 48.2%€1.5m▼ 81.3%€5.5m▲ 255%
Solvency96.6%▲ 2.3pp96.9%▲ 0.4pp90.1%▼ 6.8pp92.2%▲ 2.1pp95.0%▲ 2.8pp
Staff (FTE)0.7=1.6▲ 129%1.8▲ 12.5%1.4▼ 22.2%1.9▲ 35.7%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €712,752 in 2025 against €289,580 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €72.5m
Fixed assets
€63.4m ▼ 3.9%
Current assets
€9.1m ▲ 27.5%
Equity and liabilities €72.5m
Equity
€68.8m ▲ 2.1%
Debt
€3.6m ▼ 36.4%
Debt's share of the balance-sheet total falls from 7.8% to 5.0%. Equity is higher and debt is lower.
Key figures and ratios
ROE
6.9%▲
2024 · 6.6%
ROA
6.5%▲
2024 · 6.1%
Debt ≤ 1 year
€3.6m▼
2024 · €5.6m
Staff costs
€441,098▲
2024 · €366,466
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 |
|---|---|---|---|---|---|---|
| Operating income70/76A | €823,090 | €781,706 | €653,369 | - | - | - |
| Turnover70 | €161,103 | €76,841 | €251,434 | - | - | - |
| Other operating income74 | €661,987 | €704,865 | €401,935 | - | - | - |
| Non-recurring operating income76A | - | - | - | €1,322 | - | - |
| Operating charges60/66A | €709,454 | €800,142 | €955,934 | - | - | - |
| Services and other goods61 | €189,110 | €162,747 | €195,725 | - | - | - |
| Remuneration, social security and pensions62 | €196,090 | €310,818 | €425,756 | €366,466 | €441,098 | ▲ 20.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €245,025 | €245,025 | €245,596 | €247,675 | €249,429 | ▲ 0.7% |
| Other operating charges640/8 | €79,229 | €81,552 | €88,857 | €92,013 | €52,053 | ▼ 43.4% |
| Gross operating margin9900 | - | - | - | €416,574 | €29,828 | ▼ 92.8% |
| Operating profit (loss)9901 | €113,635 | -€18,436 | -€302,565 | -€289,580 | -€712,752 | ▼ 146% |
| Financial income75/76B | €3.3m | €3.3m | €3.6m | €5.1m | €5.5m | ▲ 7.4% |
| Recurring financial income75 | €3.3m | €3.3m | €3.6m | €5.1m | €5.5m | ▲ 7.4% |
| Income from financial fixed assets750 | €2.8m | €2.8m | €3.0m | - | - | - |
| Income from current assets751 | €494,323 | €473,356 | €607,702 | - | - | - |
| Other financial income752/9 | - | - | €4,872 | - | - | - |
| Financial charges65/66B | €27,333 | €20,518 | €5,982 | €269,631 | €17,775 | ▼ 93.4% |
| Recurring financial charges65 | €27,333 | €20,518 | €5,982 | €269,631 | €17,775 | ▼ 93.4% |
| Debt charges650 | €27,271 | €20,518 | €5,982 | - | - | - |
| Other financial charges652/9 | €62 | - | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €3.3m | €3.2m | €3.3m | €4.5m | €4.7m | ▲ 4.5% |
| Income taxes67/77 | €144,647 | €107,223 | €76,160 | €60,241 | - | - |
| Taxes670/3 | €144,647 | €107,223 | €76,182 | - | - | - |
| Tax adjustments and reversals of tax provisions77 | - | - | €22 | - | - | - |
| Profit (loss) for the period9904 | €3.2m | €3.1m | €3.2m | €4.5m | €4.7m | ▲ 5.9% |
| Transfer to tax-exempt reserves689 | €168,400 | €172,610 | €210,500 | €96,830 | - | - |
| Profit (loss) for the period to be appropriated9905 | €3.0m | €2.9m | €3.0m | €4.4m | €4.7m | ▲ 8.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €63.9m | €65.4m | €72.1m | €73.1m | €72.5m | ▼ 0.9% |
| Fixed assets21/28 | €47.5m | €47.7m | €57.0m | €66.0m | €63.4m | ▼ 3.9% |
| Intangible fixed assets21 | - | - | €5,570 | €4,397 | €3,224 | ▼ 26.7% |
| Tangible fixed assets22/27 | €5.6m | €5.3m | €5.1m | €4.8m | €4.6m | ▼ 5.1% |
| Land and buildings22 | €5.6m | €5.3m | €5.1m | €4.8m | €4.6m | ▼ 5.1% |
| Plant, machinery and equipment23 | - | - | €2,835 | €7,940 | €4,709 | ▼ 40.7% |
| Financial fixed assets28 | €41.9m | €42.4m | €51.9m | €61.2m | €58.8m | ▼ 3.8% |
| Affiliated companies280/1 | €30.3m | €30.8m | €40.3m | - | - | - |
| Participating interests280 | €27.7m | €28.8m | €33.4m | - | - | - |
| Amounts receivable281 | €2.6m | €1.9m | €6.8m | - | - | - |
| Other financial fixed assets284/8 | €11.6m | €11.6m | €11.6m | - | - | - |
| Shares284 | €11.6m | €11.6m | €11.6m | - | - | - |
| Amounts receivable and cash guarantees285/8 | €363 | - | - | - | - | - |
| Current assets29/58 | €16.5m | €17.7m | €15.1m | €7.1m | €9.1m | ▲ 27.5% |
| Amounts receivable after more than one year29 | €4.8m | €4.7m | €3.3m | €2.9m | €2.5m | ▼ 14.8% |
| Other amounts receivable291 | €4.8m | €4.7m | €3.3m | €2.9m | €2.5m | ▼ 14.8% |
| Amounts receivable within one year40/41 | €2.1m | €2.0m | €3.3m | €1.8m | €1.6m | ▼ 10.7% |
| Trade receivables40 | €38,724 | €13,778 | €36,118 | €94,955 | €71,760 | ▼ 24.4% |
| Other amounts receivable41 | €2.0m | €2.0m | €3.3m | €1.7m | €1.6m | ▼ 9.9% |
| Current investments50/53 | €8.9m | €10.2m | €7.8m | €800,000 | €700,000 | ▼ 12.5% |
| Other investments51/53 | €8.9m | €10.2m | €7.8m | - | - | - |
| Cash at bank and in hand54/58 | €488,195 | €499,787 | €497,982 | €1.3m | €4.1m | ▲ 204% |
| Deferred charges and accrued income490/1 | €245,878 | €212,512 | €229,177 | €263,482 | €216,077 | ▼ 18.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €63.9m | €65.4m | €72.1m | €73.1m | €72.5m | ▼ 0.9% |
| Equity10/15 | €61.7m | €63.4m | €65.0m | €67.4m | €68.8m | ▲ 2.1% |
| Contributions10/11 | €29.7m | €29.7m | €29.7m | €29.7m | €29.7m | = |
| Capital10 | €29.7m | €29.7m | €29.7m | €29.7m | €29.7m | = |
| Issued capital100 | €29.7m | €29.7m | €29.7m | €29.7m | €29.7m | = |
| Reserves13 | €30.6m | €33.7m | €35.3m | €37.7m | €39.1m | ▲ 3.8% |
| Non-distributable reserves130/1 | €2.9m | €3.0m | €3.2m | €3.4m | €3.6m | ▲ 6.9% |
| Legal reserve130 | €2.9m | €3.0m | €3.2m | €3.4m | €3.6m | ▲ 6.9% |
| Tax-exempt reserves132 | €168,400 | €341,010 | €551,510 | €479,940 | €54,730 | ▼ 88.6% |
| Distributable reserves133 | €27.6m | €30.3m | €31.6m | €33.8m | €35.4m | ▲ 4.8% |
| Profit (loss) carried forward14 | €1.4m | - | - | - | - | - |
| Amounts payable17/49 | €2.2m | €2.0m | €7.1m | €5.7m | €3.6m | ▼ 36.4% |
| Amounts payable after more than one year17 | €370,564 | €271,955 | €173,346 | €74,737 | - | - |
| Other amounts payable178/9 | €370,564 | €271,955 | €173,346 | €74,737 | - | - |
| Amounts payable within one year42/48 | €1.8m | €1.7m | €6.9m | €5.6m | €3.6m | ▼ 35.7% |
| Financial debts43 | - | - | €5.0m | €250,000 | - | - |
| Credit institutions430/8 | - | - | €5.0m | €250,000 | - | - |
| Trade debts44 | €22,580 | €25,619 | €33,415 | €49,871 | €109,436 | ▲ 119% |
| Suppliers440/4 | €22,580 | €25,619 | €33,415 | €49,871 | €109,436 | ▲ 119% |
| Taxes, remuneration and social security45 | €47,788 | €97,007 | €131,997 | €60,277 | €125,295 | ▲ 108% |
| Taxes450/3 | €24,796 | €33,200 | €51,317 | €6,358 | €34,809 | ▲ 447% |
| Remuneration and social security454/9 | €22,991 | €63,808 | €80,681 | €53,919 | €90,486 | ▲ 67.8% |
| Other amounts payable47/48 | €1.8m | €1.6m | €1.7m | €5.2m | €3.3m | ▼ 35.8% |
| Accrued charges and deferred income492/3 | €7,526 | €20,860 | €46,847 | €50,411 | €41,683 | ▼ 17.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3.2m | €3.1m | €3.2m | €4.5m | €4.7m | ▲ 5.9% |
| + Depreciation and write-downs630 | €245,025 | €245,025 | €245,596 | €247,675 | €249,429 | ▲ 0.7% |
| Operating cash flow (approximation) | €3.4m | €3.4m | €3.4m | €4.7m | €5.0m | ▲ 5.7% |
| Investment in fixed assets (approximation) | - | -€487,401 | -€9.5m | -€9.3m | €2.4m | ▲ 125% |
| Change in cash | - | €11,591 | -€1,804 | €838,205 | €2.7m | ▲ 225% |
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
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €4.7m ▲5.9%
Net result €4.7m, the highest in the series.
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
12-07
State Gazette act
General meeting · Capital increase
Bank account · Statutes amendment · Florence DEFORCE
31-05
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
08-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
20-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
08-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 20 acts read
About the unread acts
We know of 20 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
20 acts for this company are 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, Antwerpen · 1 establishment unit since 2000
Ground area
2,372 m²
Building footprint
792 m²
Volume, LiDAR
15,969 m³
Parcel 11303B0445/00F008, Flanders · tallest building 23.9 m, ±7 floors. Linked by address, not a title deed.
101
companies at this address
See who is registered here
1 establishment unit
Uitbreidingstraat 66, 2600 Antwerpen
since 20002.115.985.912
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11303B0445/00F008 | Flanders | 2,372 m² | 1 · 792 m² | 23.9 m · 7 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.
Structure & network
Owners and holdings
7 holdingsOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 7
-
100%
-
100%
-
29.23%
-
25%
-
25%
-
10%
-
9.09%
Stated earlier (1)
An older source named these holdings; newer accounts no longer list them.
-
1.97%
According to the 2025 annual accounts of FINEG 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
No current directors or connected companies found in the register.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,773. 2,271 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
Founded10-10-2000
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Contact
E-mail
secretariaat@fineg.be
E-invoicing
Reachable via Peppol
Peppol ID
0208:0473009315
Also
9925:BE0473009315
Registered
29-09-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.