FINERGIE
ActiveSummary
FINERGIE has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €307k and a net result of €-992. Equity is growing by ~7.7% per year across the filed fiscal years. Its solvency ranks better than 73% of 9494 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability68▼-32
Solvency100▲+15
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity ample (current ratio 1.54 against 1.6 in 2024; short-term debt: 22% and cash: 0.7% of total assets), and 24.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 71
Relative position
BE, all sectors
reference
Architectural and engineering activities; technical testing and analysis (NACE 71)
about 56% 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
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 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
59 d early
2023
42 d late
2022
84 d early
2021
53 d early
2020
32 d early
2019
1 d early
← 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
€307k▲ 128%
2024 · €135k
2018: €125k
2019: €108k▼ -13.9% vs 2018
2020: €82k▼ -23.6% vs 2019
2021: €46k▼ -43.6% vs 2020lowest in 8 years
2022: €104k▲ +124% vs 2021
2023: €95k▼ -8.7% vs 2022
2024: €135k▲ +42.2% vs 2023
2025: €307k▲ +128% vs 2024highest in 8 years
2018 → 2025
Total assets
€405k▲ 81.3%
2024 · €224k
2018: €408k
2019: €507k▲ +24.3% vs 2018highest in 8 years
2020: €431k▼ -15.0% vs 2019
2021: €372k▼ -13.7% vs 2020
2022: €312k▼ -16.0% vs 2021
2023: €321k▲ +2.7% vs 2022
2024: €224k▼ -30.2% vs 2023lowest in 8 years
2025: €405k▲ +81.3% vs 2024
2018 → 2025
Net result
€-992
2024 · €65k
2018: €-661
2019: €-17k▼ -2534% vs 2018
2020: €-81k▼ -367% vs 2019lowest in 8 years
2021: €-36k▲ +55.8% vs 2020
2022: €57k▲ +260% vs 2021
2023: €-9k▼ -116% vs 2022
2024: €65k▲ +822% vs 2023highest in 8 years
2025: €-992▼ -102% vs 2024
2018 → 2025
Working capital
€48k▲ 9.7%
2024 · €44k
2018: €-133klowest in 8 years
2019: €-30k▲ +77.4% vs 2018
2020: €-85k▼ -180% vs 2019
2021: €43k▲ +151% vs 2020
2022: €129k▲ +197% vs 2021highest in 8 years
2023: €115k▼ -10.4% vs 2022
2024: €44k▼ -62.2% vs 2023
2025: €48k▲ +9.7% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€46k-€104k▲ 124%€95k▼ 8.7%€135k▲ 42.2%€307k▲ 128%
2021: €46klowest in 5 years
2022: €104k▲ +124% vs 2021
2023: €95k▼ -8.7% vs 2022
2024: €135k▲ +42.2% vs 2023
2025: €307k▲ +128% vs 2024highest in 5 years
Operating result€-30k-€63k€-5k€69k€2▼ 100.0%
2021: €-30klowest in 5 years
2022: €63k▲ +310% vs 2021
2023: €-5k▼ -108% vs 2022
2024: €69k▲ +1449% vs 2023highest in 5 years
2025: €2▼ -100.0% vs 2024
Net result€-36k-€57k€-9k€65k€-992
2021: €-36klowest in 5 years
2022: €57k▲ +260% vs 2021
2023: €-9k▼ -116% vs 2022
2024: €65k▲ +822% vs 2023highest in 5 years
2025: €-992▼ -102% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 100% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €405k
Fixed assets
€268k ▲ 150%
Current assets
€137k ▲ 17.9%
Equity and liabilities €405k
Equity
€307k ▲ 128%
Debt
€99k ▲ 11.1%
Debt's share of the balance-sheet total falls from 39.7% to 24.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€12k▼
2024 · €81k
Cash flow
€11k▼
2024 · €77k
Current ratio
1.54▼
2024 · 1.60
Debt to equity
0.32▼
2024 · 0.66
ROE
-0.3%▼
2024 · 48.2%
ROA
-0.2%▼
2024 · 29.1%
Interest coverage
14.18▼
2024 · 23.30
Debt ≤ 1 year
€89k▲
2024 · €73k
Debt > 1 year
€9k▼
2024 · €16k
Income taxes
€168▼
2024 · €1k
Staff costs
€0▼
2024 · €250
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€224k€405k▲
Fixed assets21/28€107k€268k▲
Tangible fixed assets22/27€20k€8k▼
Plant, machinery and equipment23€4k€4k▼
Furniture and vehicles24€15k€4k▼
Financial fixed assets28€88k€260k▲
Current assets29/58€116k€137k▲
Amounts receivable within one year40/41€98k€134k▲
Trade receivables40€3k€14k▲
Other amounts receivable41€96k€120k▲
Cash at bank and in hand54/58€18k€3k▼
Deferred charges and accrued income490/1€539€42▼
Equity and liabilities
Total equity and liabilities10/49€224k€405k▲
Equity10/15€135k€307k▲
Contributions10/11€25k€25k=
Revaluation surpluses12€56k€229k▲
Reserves13€54k€54k=
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Distributable reserves133€51k€51k=
Profit (loss) carried forward14€0€-992▼
Amounts payable17/49€89k€99k▲
Amounts payable after more than one year17€16k€9k▼
Financial debts170/4€16k€9k▼
Amounts payable within one year42/48€73k€89k▲
Current portion of amounts payable after more than one year42€6k€7k▲
Trade debts44€2k€14k▲
Suppliers440/4€2k€14k▲
Taxes, remuneration and social security45€3k€678▼
Taxes450/3€3k€678▼
Remuneration and social security454/9€0-
Other amounts payable47/48€62k€68k▲
Income statement
Code20242025
Non-recurring operating income76A€68k€24k▼
Remuneration, social security and pensions62€250€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k▼
Other operating charges640/8€3k€1k▼
Non-recurring operating charges66A-€1k
Gross operating margin9900€85k€14k▼
Operating profit (loss)9901€69k€2▼
Financial income75/76B€440€0▼
Recurring financial income75€440€0▼
Financial charges65/66B€3k€825▼
Recurring financial charges65€3k€825▼
Profit (loss) for the period before taxes9903€66k€-823▼
Income taxes67/77€1k€168▼
Profit (loss) for the period9904€65k€-992▼
Profit (loss) for the period to be appropriated9905€65k€-992▼
Appropriation of the result
Profit (loss) to be appropriated9906€9k€-992▼
Profit (loss) brought forward from the previous period14P€-56k€0▲
Transfer from equity791/2€25k€0▼
Transfer to equity691/2€9k€0▼
To other reserves6921€9k€0▼
Profit to be distributed694/7€25k€0▼
Return on contributions (dividend)694€25k€0▼
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €0 | €64k | €20k | €68k | €24k | ▼ 64.1% |
| Remuneration, social security and pensions62 | €43k | €49k | €59k | €250 | €0 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €18k | €13k | €8k | €12k | €12k | ▼ 2.1% |
| Other operating charges640/8 | €1k | €1k | €489 | €3k | €1k | ▼ 54.2% |
| Non-recurring operating charges66A | €29k | €30 | €0 | - | €1k | - |
| Gross operating margin9900 | €61k | €127k | €63k | €85k | €14k | ▼ 83.2% |
| Operating profit (loss)9901 | €-30k | €63k | €-5k | €69k | €2 | ▼ 100.0% |
| Financial income75/76B | €24 | €0 | €192 | €440 | €0 | ▼ 100.0% |
| Recurring financial income75 | €24 | €0 | €192 | €440 | €0 | ▼ 100.0% |
| Financial charges65/66B | €6k | €6k | €4k | €3k | €825 | ▼ 76.3% |
| Recurring financial charges65 | €6k | €6k | €4k | €3k | €825 | ▼ 76.3% |
| Profit (loss) for the period before taxes9903 | €-36k | €58k | €-9k | €66k | €-823 | ▼ 101% |
| Income taxes67/77 | €193 | €260 | €465 | €1k | €168 | ▼ 85.0% |
| Profit (loss) for the period9904 | €-36k | €57k | €-9k | €65k | €-992 | ▼ 102% |
| Profit (loss) for the period to be appropriated9905 | €-36k | €57k | €-9k | €65k | €-992 | ▼ 102% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €372k | €312k | €321k | €224k | €405k | ▲ 81.3% |
| Fixed assets21/28 | €222k | €97k | €122k | €107k | €268k | ▲ 150% |
| Tangible fixed assets22/27 | €132k | €7k | €31k | €20k | €8k | ▼ 59.8% |
| Land and buildings22 | €111k | €0 | - | - | - | - |
| Plant, machinery and equipment23 | €7k | €6k | €5k | €4k | €4k | ▼ 17.0% |
| Furniture and vehicles24 | €14k | €1k | €26k | €15k | €4k | ▼ 72.3% |
| Financial fixed assets28 | €90k | €90k | €90k | €88k | €260k | ▲ 197% |
| Current assets29/58 | €150k | €215k | €199k | €116k | €137k | ▲ 17.9% |
| Amounts receivable within one year40/41 | €142k | €91k | €113k | €98k | €134k | ▲ 36.7% |
| Trade receivables40 | €2k | €2k | €25k | €3k | €14k | ▲ 455% |
| Other amounts receivable41 | €140k | €89k | €88k | €96k | €120k | ▲ 25.8% |
| Cash at bank and in hand54/58 | €7k | €124k | €85k | €18k | €3k | ▼ 84.1% |
| Deferred charges and accrued income490/1 | €495 | €400 | €452 | €539 | €42 | ▼ 92.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €372k | €312k | €321k | €224k | €405k | ▲ 81.3% |
| Equity10/15 | €46k | €104k | €95k | €135k | €307k | ▲ 128% |
| Contributions10/11 | €25k | €25k | €25k | €25k | €25k | = |
| Revaluation surpluses12 | €56k | €56k | €56k | €56k | €229k | ▲ 310% |
| Reserves13 | €70k | €70k | €70k | €54k | €54k | = |
| Non-distributable reserves130/1 | €3k | €3k | €3k | €3k | €3k | = |
| Reserves not available under the articles1311 | €3k | €3k | €3k | €3k | €3k | = |
| Distributable reserves133 | €68k | €68k | €68k | €51k | €51k | = |
| Profit (loss) carried forward14 | €-105k | €-47k | €-56k | €0 | €-992 | - |
| Amounts payable17/49 | €325k | €208k | €226k | €89k | €99k | ▲ 11.1% |
| Amounts payable after more than one year17 | €219k | €122k | €142k | €16k | €9k | ▼ 41.8% |
| Financial debts170/4 | €219k | €122k | €142k | €16k | €9k | ▼ 41.8% |
| Amounts payable within one year42/48 | €107k | €86k | €84k | €73k | €89k | ▲ 22.9% |
| Current portion of amounts payable after more than one year42 | €14k | €8k | €8k | €6k | €7k | ▲ 14.1% |
| Trade debts44 | €11k | €6k | €20k | €2k | €14k | ▲ 668% |
| Suppliers440/4 | €11k | €6k | €20k | €2k | €14k | ▲ 668% |
| Taxes, remuneration and social security45 | €2k | €3k | €7k | €3k | €678 | ▼ 75.7% |
| Taxes450/3 | €366 | €1k | €4k | €3k | €678 | ▼ 75.7% |
| Remuneration and social security454/9 | €2k | €2k | €4k | €0 | - | - |
| Other amounts payable47/48 | €80k | €69k | €49k | €62k | €68k | ▲ 9.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-36k | €57k | €-9k | €65k | €-992 | ▼ 102% |
| + Depreciation and write-downs630 | €18k | €13k | €8k | €12k | €12k | ▼ 2.1% |
| Operating cash flow (approximation) | €-18k | €71k | €-1k | €77k | €11k | ▼ 86.1% |
| Investment in fixed assets (approximation) | - | €111k | €-32k | €2k | €-173k | ▼ 7,948% |
| Change in cash | - | €117k | €-39k | €-68k | €-15k | ▲ 78.2% |
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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €200kEq €307k ▲128%
Equity rises from €135k to €307k.
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €65k
Net result €65k after one loss-making year.
31-12
Financial
Equity above €100kEq €135k ▲42.2%
Equity rises from €95k to €135k.
11-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 42 days late
2023
08-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €57k
Net result €57k after 4 loss-making years.
31-12
Financial
Equity above €100kEq €104k ▲124%
Equity rises from €46k to €104k.
08-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity times 5current ratio 1.41
Current ratio from 0.27 to 1.41; short-term debt falls from €116k to €107k.
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Show earlier events
2020
31-12
Financial
Weakest financial yearnet €-81k
Net result drops to €-81k, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
14-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
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, Mont-Saint-Guibert · 1 establishment unit since 1995
Ground area
864 m²
Building footprint
128 m²
Volume, LiDAR
1,086 m³
Parcel 25068B0817/00C000, Wallonia · tallest building 11.4 m, ±3 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Rue Emile Francqui 11, 1435 Mont-Saint-Guibert
since 19952.073.225.936
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25068B0817/00C000 | Wallonia | 864 m² | 1 · 128 m² | 11.4 m · 3 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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BE 0429.674.069
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VISVYVERE
BE 0597.635.113
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DECA HOME
BE 0446.876.327
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Of 3,920 companies in sector 71112 we hold annual accounts for 1,295. 862 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
Founded12-09-1995
Fiscal year end31-12
Activities, NACEBEL 2025
71112Activities of interior architects
70200Business and other management consultancy
Contact
E-mail
bru.ferrier@gmail.com
Scores and ratios are computed by Checked and are not a credit decision.