Summary
FINESSMO 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 €773,186 and a net result of €136,226. Equity is growing by ~12.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 2460 sector peers (fiscal year 2025). The company has been active since 2004 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.
Credit check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
30 d late
2024
31 d late
2023
31 d late
2022
61 d late
2021
31 d late
2020
31 d late
2019
91 d late
← 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 44 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% 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
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Subsidy mirror What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
In the rankings
#9 oldest company in Mortsel, Finance and insurance sector
Equity
€773,186▲ 21.4%
2024 · €636,961
Net result
€136,226▼ 3.8%
2024 · €141,658
Total assets
€794,649▲ 21.1%
2024 · €656,053
Solvency
97.3%▲ 0.2pp
2024 · 97.1%
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€94,738▲ 32.1%€184,104▲ 94.3%€170,660▼ 7.3%€182,088▲ 6.7%€179,484▼ 1.4%
Net result€64,039▲ 30.7%€138,007▲ 116%€119,479▼ 13.4%€141,658▲ 18.6%€136,226▼ 3.8%
Equity€479,105▲ 15.4%€617,112▲ 28.8%€632,741▲ 2.5%€636,961▲ 0.7%€773,186▲ 21.4%
Total assets€496,241▲ 17.8%€625,224▲ 26.0%€641,578▲ 2.6%€656,053▲ 2.3%€794,649▲ 21.1%
Debt€17,136▲ 169%€8,111▼ 52.7%€8,837▲ 8.9%€19,092▲ 116%€21,463▲ 12.4%
Working capital€471,349▲ 13.6%€611,452▲ 29.7%€629,820▲ 3.0%€625,901▼ 0.6%€764,895▲ 22.2%
Solvency96.5%▼ 1.9pp98.7%▲ 2.2pp98.6%▼ 0.1pp97.1%▼ 1.5pp97.3%▲ 0.2pp
Staff (FTE)0.8=1▲ 25.0%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 falls in 2025; 2025 is 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €794,649
Fixed assets
€8,291 ▼ 25.0%
Current assets
€786,358 ▲ 21.9%
Equity and liabilities €794,649
Equity
€773,186 ▲ 21.4%
Debt
€21,463 ▲ 12.4%
Debt's share of the balance-sheet total falls from 2.9% to 2.7%. Equity and debt are higher.
Key figures and ratios
ROE
17.6%▼
2024 · 22.2%
ROA
17.1%▼
2024 · 21.6%
Debt ≤ 1 year
€21,463▲
2024 · €19,092
Income taxes
€62,072▼
2024 · €63,657
Staff costs
€70,109▲
2024 · €67,650
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 | €51,144 | €58,374 | €66,588 | €67,650 | €70,109 | ▲ 3.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,111 | €2,666 | €2,740 | €2,861 | €4,775 | ▲ 66.9% |
| Other operating charges640/8 | €1,750 | €2,422 | €1,838 | €2,057 | €2,116 | ▲ 2.9% |
| Gross operating margin9900 | €148,744 | €247,565 | €241,825 | €254,655 | €256,484 | ▲ 0.7% |
| Operating profit (loss)9901 | €94,738 | €184,104 | €170,660 | €182,088 | €179,484 | ▼ 1.4% |
| Financial income75/76B | €2,819 | €17,665 | €6,421 | €23,378 | €19,709 | ▼ 15.7% |
| Recurring financial income75 | €2,819 | €17,665 | €6,421 | €23,378 | €19,709 | ▼ 15.7% |
| Financial charges65/66B | €1,802 | €178 | €885 | €150 | €895 | ▲ 498% |
| Recurring financial charges65 | €1,802 | €178 | €885 | €150 | €895 | ▲ 498% |
| Profit (loss) for the period before taxes9903 | €95,755 | €201,592 | €176,196 | €205,315 | €198,297 | ▼ 3.4% |
| Income taxes67/77 | €31,716 | €63,585 | €56,716 | €63,657 | €62,072 | ▼ 2.5% |
| Profit (loss) for the period9904 | €64,039 | €138,007 | €119,479 | €141,658 | €136,226 | ▼ 3.8% |
| Profit (loss) for the period to be appropriated9905 | €64,039 | €138,007 | €119,479 | €141,658 | €136,226 | ▼ 3.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €496,241 | €625,224 | €641,578 | €656,053 | €794,649 | ▲ 21.1% |
| Fixed assets21/28 | €7,756 | €5,660 | €2,920 | €11,060 | €8,291 | ▼ 25.0% |
| Tangible fixed assets22/27 | €7,756 | €5,660 | €2,920 | €11,060 | €8,291 | ▼ 25.0% |
| Plant, machinery and equipment23 | - | - | - | €0 | €0 | - |
| Furniture and vehicles24 | €7,756 | €5,660 | €2,920 | €11,060 | €8,291 | ▼ 25.0% |
| Current assets29/58 | €488,485 | €619,563 | €638,657 | €644,993 | €786,358 | ▲ 21.9% |
| Amounts receivable within one year40/41 | €2,021 | €7,481 | €12,757 | €5,682 | - | - |
| Trade receivables40 | - | €355 | - | €51 | - | - |
| Other amounts receivable41 | €2,021 | €7,126 | €12,757 | €5,631 | - | - |
| Current investments50/53 | €413,246 | €532,648 | €602,656 | €602,821 | €682,850 | ▲ 13.3% |
| Cash at bank and in hand54/58 | €72,686 | €78,880 | €22,627 | €35,907 | €103,016 | ▲ 187% |
| Deferred charges and accrued income490/1 | €533 | €554 | €617 | €583 | €492 | ▼ 15.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €496,241 | €625,224 | €641,578 | €656,053 | €794,649 | ▲ 21.1% |
| Equity10/15 | €479,105 | €617,112 | €632,741 | €636,961 | €773,186 | ▲ 21.4% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Outside capital11 | €18,600 | €18,600 | €18,600 | - | - | - |
| Other1109/19 | €18,600 | €18,600 | €18,600 | - | - | - |
| Reserves13 | €460,505 | €598,512 | €614,141 | €618,361 | €754,586 | ▲ 22.0% |
| Non-distributable reserves130/1 | €17,582 | €17,582 | €17,582 | - | - | - |
| Reserves not available under the articles1311 | - | - | €17,582 | - | - | - |
| Other1319 | €17,582 | €17,582 | - | - | - | - |
| Distributable reserves133 | €442,924 | €580,931 | €596,559 | €618,361 | €754,586 | ▲ 22.0% |
| Amounts payable17/49 | €17,136 | €8,111 | €8,837 | €19,092 | €21,463 | ▲ 12.4% |
| Amounts payable within one year42/48 | €17,136 | €8,111 | €8,837 | €19,092 | €21,463 | ▲ 12.4% |
| Trade debts44 | €603 | €1,446 | €1,110 | €98 | €1,633 | ▲ 1,560% |
| Suppliers440/4 | €603 | €1,446 | €1,110 | €98 | €1,633 | ▲ 1,560% |
| Taxes, remuneration and social security45 | €16,533 | €6,665 | €7,727 | €18,994 | €19,830 | ▲ 4.4% |
| Taxes450/3 | €10,615 | - | - | €11,153 | €11,708 | ▲ 5.0% |
| Remuneration and social security454/9 | €5,919 | €6,665 | €7,727 | €7,841 | €8,122 | ▲ 3.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €64,039 | €138,007 | €119,479 | €141,658 | €136,226 | ▼ 3.8% |
| + Depreciation and write-downs630 | €1,111 | €2,666 | €2,740 | €2,861 | €4,775 | ▲ 66.9% |
| Operating cash flow (approximation) | €65,150 | €140,673 | €122,219 | €144,518 | €141,001 | ▼ 2.4% |
| Investment in fixed assets (approximation) | - | -€570 | €0 | -€11,000 | -€2,006 | ▲ 81.8% |
| Change in cash | - | €6,194 | -€56,253 | €13,280 | €67,109 | ▲ 405% |
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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Highest result since 2018net €141,658 ▲18.6%
Net result €141,658, the highest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 61 days late
2022
31-12
Financial
Liquidity triplescurrent ratio 76.38
Current ratio from 28.51 to 76.38; short-term debt falls from €17,136 to €8,111.
31-12
Financial
Equity above €500,000Eq €617,112 ▲28.8%
5 profitable years in a row build equity to €617,112.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Liquidity doublescurrent ratio 66.19
Current ratio from 31.38 to 66.19; short-term debt falls from €12,051 to €6,367.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-12
Financial
Weakest financial yearnet €2,326 ▼94.3%
Net result drops to €2,326, the lowest in the series; recovery starts the following year.
Show earlier events
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
30-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 61 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
3 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, Mortsel · 1 establishment unit since 2004
Ground area
249 m²
Building footprint
249 m²
Volume, LiDAR
1,745 m³
Parcel 11513C0253/00P005, Flanders · tallest building 15.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Reyniers & Van Wezenbeeck
since 20042.138.987.184
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11513C0253/00P005 | Flanders | 249 m² | 1 · 249 m² | 15.1 m · 2 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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 276 EUR awarded · 276 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 97 EUR | 97 EUR |
| 2024 | 1 | 94 EUR | 94 EUR |
| 2023 | 1 | 85 EUR | 85 EUR |
Recognitions · licences · registrations
Legal Entity Identifier
5299004J3S7HVG61XO77
Similar companies · same sector, comparable size
PONT - NEUF ASSURFINANCE
BE 0473.530.541
Charleroi · Eq €774,865
NIDUFIN
BE 0687.465.229
Waregem · Eq €783,004
HANS ROUSSET
BE 0472.621.810
Lanaken · Eq €761,630
Agent de banque et d'assurances BRUSSELS NORTH
BE 0463.693.850
Jette · Eq €759,763
VILAIN & INGELS
BE 0464.971.874
Beloeil · Eq €759,105
Of 1,682 companies in sector 66191 we hold annual accounts for 1,230. 928 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
Founded07-05-2004
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
What can you do?
Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.
If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.