FineST
ActiveSummary
FineST has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €9k and a net result of €67k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 16% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency35▼-65
Growth58▼-20
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 1.86 against 4.63 in 2024; short-term debt: 48.3% of total assets), but 90.3% of the assets are financed with debt.
Credit advice 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
9.7%
Return on assets
69.5%
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 16% of 31694 sector peers (2025).
NBB · sector comparisonPosition among 31694 sector peers
Solvency
better than 16%
← 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 04-05-2026, 88 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
88 d early
2024
127 d early
2023
27 d late
2022
63 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€9k▼ 93.1%
2024 · €137k
2022: €32k
2023: €79k
2024: €137k
2022 → 2025
Total assets
€97k▼ 44.3%
2024 · €174k
2022: €44k
2023: €117k
2024: €174k
2022 → 2025
Net result
€67k▲ 16.0%
2024 · €58k
2022: €30k
2023: €47k
2024: €58k
2022 → 2025
Working capital
€40k▼ 70.4%
2024 · €136k
2022: €31k
2023: €77k
2024: €136k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€32k-€79k▲ 149%€137k▲ 73.8%€9k▼ 93.1%
Operating result€38k-€58k▲ 51.2%€69k▲ 19.9%€81k▲ 17.1%
Net result€30k-€47k▲ 58.8%€58k▲ 23.4%€67k▲ 16.0%
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 three years in a row; 2025 is 17% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €97k
Fixed assets
€10k ▲ 2,280%
Current assets
€87k ▼ 49.8%
Equity and liabilities €97k
Equity
€9k ▼ 93.1%
Debt
€88k ▲ 134%
Debt's share of the balance-sheet total rises from 21.5% to 90.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€86k▲
2024 · €70k
Cash flow
€72k▲
2024 · €59k
Current ratio
1.86▼
2024 · 4.63
Debt to equity
9.30▲
2024 · 0.27
ROE
715.5%▲
2024 · 42.5%
ROA
69.5%▲
2024 · 33.4%
Interest coverage
121.90▲
2024 · 84.12
Debt ≤ 1 year
€47k▲
2024 · €37k
Income taxes
€18k▲
2024 · €16k
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 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€174k€97k▼
Formation expenses20€494€267▼
Fixed assets21/28€409€10k▲
Tangible fixed assets22/27€409€10k▲
Furniture and vehicles24€409€10k▲
Current assets29/58€173k€87k▼
Amounts receivable after more than one year29€46k€50k▲
Other amounts receivable291€46k€50k▲
Amounts receivable within one year40/41€106k€24k▼
Trade receivables40€3k€10k▲
Other amounts receivable41€102k€14k▼
Current investments50/53€16k€9k▼
Deferred charges and accrued income490/1€6k€5k▼
Equity and liabilities
Total equity and liabilities10/49€174k€97k▼
Equity10/15€137k€9k▼
Contributions10/11€2k€2k=
Reserves13€135k€7k▼
Distributable reserves133€135k€7k▼
Amounts payable17/49€37k€88k▲
Amounts payable within one year42/48€37k€47k▲
Financial debts43€12k€25k▲
Credit institutions430/8€12k€25k▲
Trade debts44€2k€5k▲
Suppliers440/4€2k€5k▲
Taxes, remuneration and social security45€23k€17k▼
Taxes450/3€23k€17k▼
Accrued charges and deferred income492/3-€41k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€596€5k▲
Other operating charges640/8€371€905▲
Gross operating margin9900€70k€87k▲
Operating profit (loss)9901€69k€81k▲
Financial income75/76B€5k€5k▲
Recurring financial income75€5k€5k▲
Financial charges65/66B€830€706▼
Recurring financial charges65€830€706▼
Profit (loss) for the period before taxes9903€74k€86k▲
Income taxes67/77€16k€18k▲
Profit (loss) for the period9904€58k€67k▲
Profit (loss) for the period to be appropriated9905€58k€67k▲
Appropriation of the result
Profit (loss) to be appropriated9906€58k€67k▲
Transfer from equity791/2-€135k
Transfer to equity691/2€58k€7k▼
To other reserves6921€58k€7k▼
Profit to be distributed694/7-€195k
Return on contributions (dividend)694-€195k
The notes to these accounts (5 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
04-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €67k ▲16%
Operating result €81k, net result €67k, both a record.
26-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €137k ▲73.8%
3 profitable years in a row build equity to €137k.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
29-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Oudsbergen · 1 establishment unit since 2022
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.
Olmenstraat 43670 OudsbergenGround area
1,162 m²
Building footprint
232 m²
Volume, LiDAR
919 m³
Parcel 72022A0736/00M000, Flanders · tallest building 5.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
FineST
since 20222.331.763.303
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72022A0736/00M000 | Flanders | 1,162 m² | 1 · 232 m² | 5.9 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
Akomalc
BE 1008.970.739
Brussel · Eq €9,424
FIIG CONSULTING
BE 0869.989.139
Waterloo · Eq €9,421
ZzenN
BE 0843.733.516
Mont-Saint-Guibert · Eq €9,420
Raivolve
BE 1027.933.348
Elsene · Eq €9,432
ReLink
BE 0895.143.615
Kortenberg · Eq €9,433
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 22,312 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-02-2022
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
82100Office administrative and support services
82990Other business support services
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.