Summary
FINESMA 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 €588,951 and a net result of €120,675. Equity is growing by ~26.4% per year across the filed fiscal years. Its solvency ranks better than 66% of 8094 sector peers (fiscal year 2025). The company has been active since 2019 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 23-05-2026, 69 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
69 d early
2024
27 d early
2023
6 d early
2022
38 d early
2021
34 d early
2020
2 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 29 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. Usually files around 27 June (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€588,951▲ 13.6%
2024 · €518,276
Net result
€120,675▲ 17.3%
2024 · €102,875
Total assets
€851,362▲ 2.4%
2024 · €831,133
Solvency
69.2%▲ 6.8pp
2024 · 62.4%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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€131,280▲ 33.6%€157,126▲ 19.7%€173,396▲ 10.4%€148,521▼ 14.3%€171,505▲ 15.5%
Net result€96,227above the sector's middle half▲ 44.0%€184,177above the sector's middle half▲ 91.4%€120,152above the sector's middle half▼ 34.8%€102,875above the sector's middle half▼ 14.4%€120,675above the sector's middle half▲ 17.3%
Equity€166,072within the sector's middle half▲ 138%€350,250within the sector's middle half▲ 111%€435,402above the sector's middle half▲ 24.3%€518,276above the sector's middle half▲ 19.0%€588,951above the sector's middle half▲ 13.6%
Total assets€339,530within the sector's middle half▲ 21.6%€892,802within the sector's middle half▲ 163%€852,242within the sector's middle half▼ 4.5%€831,133within the sector's middle half▼ 2.5%€851,362within the sector's middle half▲ 2.4%
Debt€173,458▼ 17.1%€542,552▲ 213%€416,840▼ 23.2%€312,856▼ 24.9%€262,411▼ 16.1%
Working capital€44,843within the sector's middle half-€59,313below the sector's middle half-€45,214below the sector's middle half▲ 23.8%-€36,538below the sector's middle half▲ 19.2%-€55,904below the sector's middle half▼ 53.0%
Solvency48.9%within the sector's middle half▲ 23.9pp39.2%within the sector's middle half▼ 9.7pp51.1%within the sector's middle half▲ 11.9pp62.4%within the sector's middle half▲ 11.3pp69.2%within the sector's middle half▲ 6.8pp
Current ratio1.94within the sector's middle half▲ 1.250.62below the sector's middle half▼ 1.330.58below the sector's middle half▼ 0.040.53below the sector's middle half▼ 0.040.40below the sector's middle half▼ 0.13
Return on assets (ROA)28.3%above the sector's middle half▲ 4.4pp20.6%within the sector's middle half▼ 7.7pp14.1%within the sector's middle half▼ 6.5pp12.4%within the sector's middle half▼ 1.7pp14.2%within the sector's middle half▲ 1.8pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 15% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €850,391
Fixed assets
€813,376 ▲ 3.2%
Current assets
€37,015 ▼ 10.8%
Equity and liabilities €851,362
Equity
€588,951 ▲ 13.6%
Debt
€262,411 ▼ 16.1%
Debt's share of the balance-sheet total falls from 37.6% to 30.8%. Equity is higher and debt is lower.
Key figures and ratios
ROE
20.5%▲
2024 · 19.8%
Debt ≤ 1 year
€92,919▲
2024 · €78,027
Debt > 1 year
€169,425▼
2024 · €234,763
Income taxes
€42,737▲
2024 · €35,966
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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,138 | €7,426 | €7,505 | €7,354 | €8,210 | ▲ 11.6% |
| Other operating charges640/8 | €934 | €1,457 | €1,604 | €1,645 | €5,228 | ▲ 218% |
| Gross operating margin9900 | €138,352 | €166,008 | €182,504 | €157,520 | €184,943 | ▲ 17.4% |
| Operating profit (loss)9901 | €131,280 | €157,126 | €173,396 | €148,521 | €171,505 | ▲ 15.5% |
| Financial income75/76B | - | €70,000 | €2 | €0 | €210 | ▲ 2,095,000% |
| Recurring financial income75 | - | €70,000 | €2 | €0 | €210 | ▲ 2,095,000% |
| Financial charges65/66B | €1,831 | €2,970 | €11,012 | €9,680 | €8,302 | ▼ 14.2% |
| Recurring financial charges65 | €1,831 | €2,970 | €11,012 | €9,680 | €8,302 | ▼ 14.2% |
| Profit (loss) for the period before taxes9903 | €129,448 | €224,156 | €162,385 | €138,841 | €163,413 | ▲ 17.7% |
| Income taxes67/77 | €33,221 | €39,979 | €42,233 | €35,966 | €42,737 | ▲ 18.8% |
| Profit (loss) for the period9904 | €96,227 | €184,177 | €120,152 | €102,875 | €120,675 | ▲ 17.3% |
| Profit (loss) for the period to be appropriated9905 | €96,227 | €184,177 | €120,152 | €102,875 | €120,675 | ▲ 17.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €339,530 | €892,802 | €852,242 | €831,133 | €851,362 | ▲ 2.4% |
| Formation expenses20 | - | €1,571 | €1,371 | €1,171 | €971 | ▼ 17.1% |
| Fixed assets21/28 | €247,011 | €796,363 | €789,349 | €788,473 | €813,376 | ▲ 3.2% |
| Tangible fixed assets22/27 | €27,011 | €19,363 | €12,349 | €11,473 | €36,376 | ▲ 217% |
| Furniture and vehicles24 | €22,704 | €15,594 | €8,839 | €8,530 | €34,002 | ▲ 299% |
| Other tangible fixed assets26 | €4,308 | €3,768 | €3,511 | €2,942 | €2,374 | ▼ 19.3% |
| Financial fixed assets28 | €220,000 | €777,000 | €777,000 | €777,000 | €777,000 | = |
| Current assets29/58 | €92,519 | €94,868 | €61,521 | €41,489 | €37,015 | ▼ 10.8% |
| Amounts receivable within one year40/41 | - | €21 | €767 | - | €325 | - |
| Other amounts receivable41 | - | €21 | €767 | - | €325 | - |
| Cash at bank and in hand54/58 | €91,803 | €94,049 | €51,233 | €40,507 | €35,171 | ▼ 13.2% |
| Deferred charges and accrued income490/1 | €716 | €798 | €9,521 | €982 | €1,519 | ▲ 54.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €339,530 | €892,802 | €852,242 | €831,133 | €851,362 | ▲ 2.4% |
| Equity10/15 | €166,072 | €350,250 | €435,402 | €518,276 | €588,951 | ▲ 13.6% |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Reserves13 | €163,072 | €347,250 | €432,402 | €515,276 | €585,951 | ▲ 13.7% |
| Distributable reserves133 | €163,072 | €347,250 | €432,402 | €515,276 | €585,951 | ▲ 13.7% |
| Amounts payable17/49 | €173,458 | €542,552 | €416,840 | €312,856 | €262,411 | ▼ 16.1% |
| Amounts payable after more than one year17 | €125,725 | €388,308 | €310,042 | €234,763 | €169,425 | ▼ 27.8% |
| Financial debts170/4 | €125,725 | €388,308 | €310,042 | €234,763 | €169,425 | ▼ 27.8% |
| Amounts payable within one year42/48 | €47,676 | €154,181 | €106,735 | €78,027 | €92,919 | ▲ 19.1% |
| Current portion of amounts payable after more than one year42 | €32,840 | €78,625 | €78,267 | €75,278 | €90,459 | ▲ 20.2% |
| Financial debts43 | - | - | €152 | - | €152 | - |
| Credit institutions430/8 | - | - | €152 | - | €152 | - |
| Trade debts44 | €1,080 | €3,458 | €2,393 | €1,505 | €222 | ▼ 85.2% |
| Suppliers440/4 | €1,080 | €3,458 | €2,393 | €1,505 | €222 | ▼ 85.2% |
| Taxes, remuneration and social security45 | €2,957 | €1,899 | €1,921 | €966 | €1,750 | ▲ 81.1% |
| Taxes450/3 | €721 | - | - | €966 | - | - |
| Remuneration and social security454/9 | €2,236 | €1,899 | €1,921 | - | €1,750 | - |
| Other amounts payable47/48 | €10,799 | €70,198 | €24,002 | €278 | €336 | ▲ 21.1% |
| Accrued charges and deferred income492/3 | €57 | €64 | €64 | €66 | €67 | ▲ 2.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €96,227 | €184,177 | €120,152 | €102,875 | €120,675 | ▲ 17.3% |
| + Depreciation and write-downs630 | €6,138 | €7,426 | €7,505 | €7,354 | €8,210 | ▲ 11.6% |
| Operating cash flow (approximation) | €102,365 | €191,603 | €127,657 | €110,229 | €128,885 | ▲ 16.9% |
| Investment in fixed assets (approximation) | - | -€556,777 | -€492 | -€6,477 | -€33,114 | ▼ 411% |
| Change in cash | - | €2,246 | -€42,816 | -€10,726 | -€5,336 | ▲ 50.2% |
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
23-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €500,000Eq €518,276 ▲19%
5 profitable years in a row build equity to €518,276.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2020net €184,177 ▲91.4%
Net result €184,177, the highest in the series.
31-12
Financial
Equity above €200,000Eq €350,250 ▲111%
3 profitable years in a row build equity to €350,250.
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity triplescurrent ratio 1.94
Current ratio from 0.69 to 1.94; short-term debt falls from €50,736 to €47,676.
31-12
Financial
Equity above €150,000Eq €166,072 ▲138%
2 profitable years in a row build equity to €166,072.
02-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 2 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Orp-Jauche · 1 establishment unit since 2019
Ground area
824 m²
Building footprint
143 m²
Parcel 25074D0273/00C002, Wallonia. Linked by address, not a title deed.
1 establishment unit
FINESMA
since 20192.295.243.890
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25074D0273/00C002 | Wallonia | 824 m² | 1 · 143 m² | - |
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
2 holdingsOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 2
-
33%
-
23.33%
According to the 2025 annual accounts of FINESMA 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 19,800. 13,505 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
Founded02-10-2019
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
66220Insurance agents and brokers
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0735571784
Also
9925:BE0735571784
Registered
18-03-2026
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.