FinEnergy
ActiveFinEnergy has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.22M and a net result of €484k. Equity is growing by ~42.5% per year across the filed fiscal years. Its solvency ranks better than 40% of 925 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▼-4
Solvency59▼-35
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity tight (current ratio 1.38 against 2.91 in 2024; short-term debt: 66.2% and cash: 6.7% of total assets), and 66.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 →
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
33.7%
Return on assets
13.4%
Age of the figures
9 mo
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
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 30-03-2026, 123 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
123 d early
2024
22 d late
2023
35 d late
2022
31 d late
2021
30 d early
2020
25 d late
2019
33 d late
← before the deadline
after the deadline →
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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€484k▲ 11.7%
2024 · €433k
2018: €11k
2019: €65k
2020: €176k
2021: €185k
2022: €179k
2023: €513k
2024: €433k
2018 → 2025
Working capital
€917k▼ 41.9%
2024 · €1.58M
2018: €476k
2019: €489k
2020: €615k
2021: €610k
2022: €810k
2023: €1.22M
2024: €1.58M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€649k-€928k▲ 43.1%€1.44M▲ 55.3%€1.87M▲ 30.1%€1.22M▼ 35.1%
Operating result€272k-€257k▼ 5.2%€696k▲ 170%€274k▼ 60.6%€311k▲ 13.2%
Net result€185k-€179k▼ 3.2%€513k▲ 186%€433k▼ 15.6%€484k▲ 11.7%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 13% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.61M
Fixed assets
€304k▼ 3.6%
Current assets
€3.31M▲ 37.6%
Equity and liabilities €3.61M
Equity
€1.22M▼ 35.1%
Debt
€2.39M▲ 184%
The debt ratio rises from 31.0% to 66.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€328k▲
2024 · €293k
Cash flow
€502k▲
2024 · €452k
Solvency
33.7%▼
2024 · 69.0%
Current ratio
1.38▼
2024 · 2.91
Quick ratio
1.38▼
2024 · 2.91
Debt / equity
1.97▲
2024 · 0.45
ROE
39.8%▲
2024 · 23.1%
ROA
13.4%▼
2024 · 15.9%
Interest coverage
45.98▼
2024 · 54.74
Debt
€2.39M▲
2024 · €843k
Debt ≤ 1 year
€2.39M▲
2024 · €825k
Income taxes
€101k▲
2024 · €73k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€2.72M€3.61M▲
Fixed assets21/28€315k€304k▼
Tangible fixed assets22/27€51k€39k▼
Land and buildings22€10k€9k▼
Plant, machinery and equipment23€91-
Furniture and vehicles24€37k€22k▼
Other tangible fixed assets26€4k€8k▲
Financial fixed assets28€265k€265k=
Current assets29/58€2.40M€3.31M▲
Amounts receivable within one year40/41€563k€1.59M▲
Trade receivables40€563k€1.41M▲
Other amounts receivable41€4€188k▲
Current investments50/53€611k€1.47M▲
Cash at bank and in hand54/58€1.22M€242k▼
Deferred charges and accrued income490/1€5k€4k▼
Equity and liabilities
Total equity and liabilities10/49€2.72M€3.61M▲
Equity10/15€1.87M€1.22M▼
Contributions10/11€155k€155k=
Outside capital11€155k€155k=
Other1109/19€155k€155k=
Reserves13€1.13M€1.06M▼
Non-distributable reserves130/1€6k-
Reserves not available under the articles1311€6k-
Tax-exempt reserves132€274k€274k=
Distributable reserves133€848k€788k▼
Profit (loss) carried forward14€592k€1▼
Amounts payable17/49€843k€2.39M▲
Amounts payable within one year42/48€825k€2.39M▲
Trade debts44€771k€1.39M▲
Suppliers440/4€771k€1.39M▲
Taxes, remuneration and social security45€41k€35k▼
Taxes450/3€41k€35k▼
Other amounts payable47/48€12k€962k▲
Accrued charges and deferred income492/3€19k€4k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€18k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€295k€330k▲
Operating profit (loss)9901€274k€311k▲
Financial income75/76B€237k€281k▲
Recurring financial income75€237k€281k▲
Financial charges65/66B€5k€7k▲
Recurring financial charges65€5k€7k▲
Profit (loss) for the period before taxes9903€506k€585k▲
Income taxes67/77€73k€101k▲
Profit (loss) for the period9904€433k€484k▲
Profit (loss) for the period to be appropriated9905€433k€484k▲
Appropriation of the result
Profit (loss) to be appropriated9906€592k€1.08M▲
Profit (loss) brought forward from the previous period14P€159k€592k▲
Transfer from equity791/2-€249k
Transfer to equity691/2-€184k
To other reserves6921-€184k
Profit to be distributed694/7-€1.14M
Return on contributions (dividend)694-€1.14M
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-03
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
27-03
State Gazette act
General meeting · Director appointment
Permanent representative · Director reappointment
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 22 days late
2024
04-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 35 days late
2023
31-12
Financial
Highest result since 2018net €513k ▲186%
Operating result €696k, net result €513k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 3.37
Current ratio from 1.38 to 3.37; short-term debt falls from €2.14M to €513k.
31-12
Financial
Equity above €1MEq €1.44M ▲55.3%
6 profitable years in a row build equity to €1.44M.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Equity above €500kEq €649k ▲40%
4 profitable years in a row build equity to €649k.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 25 days late
2020
02-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 33 days late
2019
17-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 17 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
17-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 17 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Seneffe · 3 establishment units since 2011
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.
Rue des Roquettes 87180 SeneffeGround area
3.0 ha
Building footprint
1,085 m²
Volume, LiDAR
515 m³
3 parcels, Wallonia · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
3 establishment units
FinEnergy
since 20112.195.208.780
FinEnergy Institut Louis Marie
since 20142.243.469.052
Rue de Perwez, Gd-L. 111, 5031 Gembloux
since 20212.322.751.805
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 93078D0004/00X000 | Wallonia | 2.5 ha | 1 · 982 m² | - |
| 92056A0162/00K000 | Wallonia | 4,427 m² | 1 · 2 m² | - |
| 52063D0514/00F000 | Wallonia | 657 m² | 1 · 101 m² | 7.0 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Ownership & control
1 partyFinEnergyBE 0833.123.892
controls
Where this company holds controlthis company sits on their board1
1 location
Similar companies · same sector, comparable size
LES TEMPLIERS
BE 0845.964.219
Pecq · Eq €1.22M
NOIND
BE 0880.536.306
Hamme (Vl.) · Eq €1.22M
GALAXY STUDIOS GROUP
BE 0827.774.838
Mol · Eq €1.22M
C-FLOW
BE 0763.421.969
Grimbergen · Eq €1.22M
NDS ADVIES & CONSULTING
BE 0838.721.089
Deerlijk · Eq €1.22M
Of 24,503 companies in sector 82990 we hold annual accounts for 9,404. 4,177 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-01-2011
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.