Fineras
ActiveSummary
Fineras has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €52k and a net result of €29k. Equity is growing by ~36.3% per year across the filed fiscal years. Its solvency ranks better than 19% of 12738 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability81▲+5
Solvency43=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity tight (current ratio 1.4 against 1.79 in 2024; short-term debt: 13% and cash: 7.1% of total assets), and 82.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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 · 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
17.8%
Return on assets
9.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 12738 sector peers (2025).
NBB · sector comparisonPosition among 12738 sector peers
Solvency
better than 19%
← weakest
strongest →
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 11-02-2026, 170 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
170 d early
2024
18 d early
2023
14 d early
2022
4 d early
2021
25 d early
2020
26 d late
2019
31 d late
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€52k▲ 4.6%
2024 · €50k
Total assets
€294k▲ 5.1%
2024 · €280k
Net result
€29k▲ 75.5%
2024 · €16k
Working capital
€15k▼ 25.6%
2024 · €20k
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
Operating result€9k▼ 17.9%€19k▲ 114%€22k▲ 14.2%€30k▲ 36.5%€44k▲ 46.0%
Net result€3k▼ 54.1%€10k▲ 280%€11k▲ 13.5%€16k▲ 45.0%€29k▲ 75.5%
Equity€16k▲ 12.5%€25k▲ 56.2%€35k▲ 38.1%€50k▲ 42.0%€52k▲ 4.6%
Total assets€304k▼ 3.0%€290k▼ 4.6%€283k▼ 2.5%€280k▼ 1.3%€294k▲ 5.1%
Debt€288k▼ 3.8%€265k▼ 8.0%€248k▼ 6.3%€230k▼ 7.4%€242k▲ 5.2%
Working capital€-10k▲ 5.4%€-1k▲ 85.5%€7k€20k▲ 175%€15k▼ 25.6%
Staff (FTE)11=1=1=1=
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 46% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €294k
Fixed assets
€240k ▲ 3.1%
Current assets
€53k ▲ 15.2%
Equity and liabilities €294k
Equity
€52k ▲ 4.6%
Debt
€242k ▲ 5.2%
Debt's share of the balance-sheet total rises from 82.1% to 82.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€58k▲
2024 · €46k
Cash flow
€43k▲
2024 · €33k
Current ratio
1.40▼
2024 · 1.79
Debt to equity
4.63▲
2024 · 4.60
ROE
55.0%▲
2024 · 32.8%
ROA
9.8%▲
2024 · 5.9%
Interest coverage
16.62▲
2024 · 14.20
Debt ≤ 1 year
€38k▲
2024 · €26k
Debt > 1 year
€202k▼
2024 · €202k
Income taxes
€12k▲
2024 · €10k
Staff costs
€5k▲
2024 · €4k
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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €4k | €4k | €4k | €4k | €5k | ▲ 4.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €16k | €17k | €17k | €16k | €14k | ▼ 12.5% |
| Other operating charges640/8 | €2k | €2k | €2k | €2k | €2k | ▼ 1.8% |
| Gross operating margin9900 | €31k | €41k | €45k | €53k | €65k | ▲ 22.4% |
| Operating profit (loss)9901 | €9k | €19k | €22k | €30k | €44k | ▲ 46.0% |
| Financial income75/76B | - | €0 | €2 | €123 | €580 | ▲ 374% |
| Recurring financial income75 | - | €0 | €2 | €123 | €580 | ▲ 374% |
| Financial charges65/66B | €4k | €4k | €3k | €3k | €3k | ▲ 7.0% |
| Recurring financial charges65 | €4k | €4k | €3k | €3k | €3k | ▲ 7.0% |
| Profit (loss) for the period before taxes9903 | €5k | €16k | €19k | €27k | €41k | ▲ 52.2% |
| Income taxes67/77 | €3k | €6k | €7k | €10k | €12k | ▲ 15.5% |
| Profit (loss) for the period9904 | €3k | €10k | €11k | €16k | €29k | ▲ 75.5% |
| Profit (loss) for the period to be appropriated9905 | €3k | €10k | €11k | €16k | €29k | ▲ 75.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €304k | €290k | €283k | €280k | €294k | ▲ 5.1% |
| Fixed assets21/28 | €279k | €262k | €247k | €233k | €240k | ▲ 3.1% |
| Tangible fixed assets22/27 | €279k | €262k | €247k | €233k | €240k | ▲ 3.1% |
| Land and buildings22 | €260k | €249k | €239k | €230k | €240k | ▲ 4.3% |
| Plant, machinery and equipment23 | - | - | - | €1k | €637 | ▼ 37.0% |
| Furniture and vehicles24 | €18k | €13k | €8k | €2k | €0 | ▼ 100% |
| Current assets29/58 | €26k | €28k | €36k | €46k | €53k | ▲ 15.2% |
| Amounts receivable after more than one year29 | - | - | - | €5k | €0 | ▼ 100% |
| Other amounts receivable291 | - | - | - | €5k | €0 | ▼ 100% |
| Amounts receivable within one year40/41 | €5k | €13k | €15k | €18k | €32k | ▲ 81.1% |
| Trade receivables40 | €5k | €13k | €15k | €17k | €19k | ▲ 9.6% |
| Other amounts receivable41 | - | - | - | €596 | €13k | ▲ 2,154% |
| Cash at bank and in hand54/58 | €20k | €15k | €21k | €23k | €21k | ▼ 9.7% |
| Deferred charges and accrued income490/1 | €502 | €750 | €566 | €219 | €245 | ▲ 11.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €304k | €290k | €283k | €280k | €294k | ▲ 5.1% |
| Equity10/15 | €16k | €25k | €35k | €50k | €52k | ▲ 4.6% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €19k | ▲ 200% |
| Outside capital11 | €6k | - | - | - | - | - |
| Other1109/19 | €6k | - | - | - | - | - |
| Reserves13 | €10k | €19k | €29k | €44k | €34k | ▼ 23.1% |
| Non-distributable reserves130/1 | €250 | €250 | €0 | - | - | - |
| Reserves not available under the articles1311 | €250 | €250 | €0 | - | - | - |
| Distributable reserves133 | €10k | €19k | €29k | €44k | €34k | ▼ 23.1% |
| Profit (loss) carried forward14 | - | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €288k | €265k | €248k | €230k | €242k | ▲ 5.2% |
| Amounts payable after more than one year17 | €253k | €235k | €218k | €202k | €202k | ▼ 0.1% |
| Financial debts170/4 | €253k | €235k | €218k | €202k | €202k | ▼ 0.1% |
| Amounts payable within one year42/48 | €35k | €30k | €29k | €26k | €38k | ▲ 47.3% |
| Current portion of amounts payable after more than one year42 | €17k | €20k | €19k | €19k | €21k | ▲ 10.3% |
| Trade debts44 | €1k | €1k | €2k | €887 | €1k | ▲ 15.0% |
| Suppliers440/4 | €1k | €1k | €2k | €887 | €1k | ▲ 15.0% |
| Taxes, remuneration and social security45 | €10k | €7k | €7k | €5k | €10k | ▲ 96.7% |
| Taxes450/3 | €10k | €7k | €6k | €5k | €9k | ▲ 101% |
| Remuneration and social security454/9 | - | €86 | €188 | €295 | €387 | ▲ 31.1% |
| Other amounts payable47/48 | €7k | €2k | €2k | €1k | €7k | ▲ 487% |
| Accrued charges and deferred income492/3 | - | €251 | €1k | €1k | €1k | ▼ 16.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3k | €10k | €11k | €16k | €29k | ▲ 75.5% |
| + Depreciation and write-downs630 | €16k | €17k | €17k | €16k | €14k | ▼ 12.5% |
| Operating cash flow (approximation) | €19k | €27k | €28k | €33k | €43k | ▲ 31.4% |
| Investment in fixed assets (approximation) | - | €0 | €-2k | €-3k | €-22k | ▼ 661% |
| Change in cash | - | €-5k | €6k | €2k | €-2k | ▼ 197% |
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
11-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2019net €29k ▲75.5%
Operating result €44k, net result €29k, both a record.
13-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €3k ▼54.1%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Hamont-Achel · 1 establishment unit since 2018
Ground area
798 m²
Building footprint
151 m²
Volume, LiDAR
605 m³
Parcel 72012C1192/00P013, Flanders · tallest building 7.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Fineras
since 20182.282.670.415
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72012C1192/00P013 | Flanders | 798 m² | 1 · 151 m² | 7.1 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.
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Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 5,980 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded13-12-2018
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Scores and ratios are computed by Checked and are not a credit decision.