FINET PLUS
ActiveFINET PLUS has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €105k and a net result of €43k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 56% of 16935 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 2.93 against 2.85 in 2024), and 34% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
66%
Return on assets
27.1%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €105k
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 01-07-2026, 30 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
30 d early
2024
44 d early
2023
30 d early
2022
31 d early
2021
26 d early
2020
24 d early
2019
50 d early
← before the deadline
after the deadline →
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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€105k▲ 69.8%
2024 · €62k
2018: €-14k
2019: €-18k
2020: €-17k
2021: €-211
2022: €10k
2023: €27k
2024: €62k
2018 → 2025
Total assets
€159k▲ 67.9%
2024 · €94k
2018: €44k
2019: €33k
2020: €12k
2021: €13k
2022: €17k
2023: €41k
2024: €94k
2018 → 2025
Net result
€43k▲ 25.5%
2024 · €34k
2018: €-26k
2019: €-5k
2020: €2k
2021: €17k
2022: €10k
2023: €18k
2024: €34k
2018 → 2025
Working capital
€104k▲ 71.4%
2024 · €61k
2018: €-27k
2019: €-25k
2020: €-17k
2021: €-733
2022: €10k
2023: €27k
2024: €61k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-211-€10k€27k▲ 178%€62k▲ 125%€105k▲ 69.8%
Operating result€20k-€14k▼ 31.0%€25k▲ 87.1%€52k▲ 105%€61k▲ 17.4%
Net result€17k-€10k▼ 39.1%€18k▲ 74.5%€34k▲ 95.3%€43k▲ 25.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 17% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €159k
Fixed assets
€624▼ 33.9%
Current assets
€158k▲ 68.9%
Equity and liabilities €159k
Equity
€105k▲ 69.8%
Debt
€54k▲ 64.3%
The debt ratio falls from 34.7% to 34.0%: equity grows faster than debt.
Key figures and ratios
EBITDA
€61k▲
2024 · €52k
Cash flow
€43k▲
2024 · €34k
Solvency
66.0%▲
2024 · 65.3%
Current ratio
2.93▲
2024 · 2.85
Quick ratio
2.93▲
2024 · 2.70
Debt / equity
0.52▼
2024 · 0.53
ROE
41.1%▼
2024 · 55.6%
ROA
27.1%▼
2024 · 36.3%
Interest coverage
187.16▲
2024 · 179.69
Debt
€54k▲
2024 · €33k
Debt ≤ 1 year
€54k▲
2024 · €33k
Income taxes
€18k▲
2024 · €17k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€94k€159k▲
Fixed assets21/28€945€624▼
Tangible fixed assets22/27€945€624▼
Furniture and vehicles24€945€624▼
Current assets29/58€94k€158k▲
Stocks and contracts in progress3€5k-
Contracts in progress37€5k-
Amounts receivable within one year40/41€81k€109k▲
Trade receivables40-€15k
Other amounts receivable41€81k€94k▲
Cash at bank and in hand54/58€4k€49k▲
Deferred charges and accrued income490/1€3k€147▼
Equity and liabilities
Total equity and liabilities10/49€94k€159k▲
Equity10/15€62k€105k▲
Contributions10/11€12k€12k=
Reserves13€49k€92k▲
Distributable reserves133€49k€92k▲
Amounts payable17/49€33k€54k▲
Amounts payable within one year42/48€33k€54k▲
Trade debts44€4k€13k▲
Suppliers440/4€4k€13k▲
Taxes, remuneration and social security45€28k€35k▲
Taxes450/3€28k€35k▲
Other amounts payable47/48-€6k
Income statement
Code20242025
Non-recurring operating income76A-€24k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€153€320▲
Other operating charges640/8€3k€397▼
Gross operating margin9900€55k€62k▲
Operating profit (loss)9901€52k€61k▲
Financial charges65/66B€289€327▲
Recurring financial charges65€289€327▲
Profit (loss) for the period before taxes9903€52k€61k▲
Income taxes67/77€17k€18k▲
Profit (loss) for the period9904€34k€43k▲
Profit (loss) for the period to be appropriated9905€34k€43k▲
Appropriation of the result
Profit (loss) to be appropriated9906€34k€43k▲
Transfer to equity691/2€34k€43k▲
To other reserves6921€34k€43k▲
The notes to these accounts (6 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €43k ▲25.5%
Operating result €61k, net result €43k, both a record.
31-12
Financial
Equity above €100kEq €105k ▲69.8%
6 profitable years in a row build equity to €105k.
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity triplescurrent ratio 2.38
Current ratio from 0.95 to 2.38; short-term debt falls from €14k to €7k.
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
11-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · 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, Brugge · 1 establishment unit since 2017
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.
Vlamingdam 238000 BruggeGround area
181 m²
Building footprint
92 m²
Volume, LiDAR
964 m³
Parcel 31805E0824/00K002, Flanders · tallest building 15.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
FINET PLUS
since 20172.268.569.286
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31805E0824/00K002 | Flanders | 181 m² | 1 · 92 m² | 15.3 m · 4 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.
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Of 29,884 companies in sector 62200 we hold annual accounts for 18,321. 15,498 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded31-08-2017
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
46190Agents in non-specialised wholesale trade
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.