FINEX MANAGEMENT
ActiveFINEX MANAGEMENT has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €17k and a net result of €-5k. Equity is shrinking by ~8% per year across the filed fiscal years. Its solvency ranks better than 41% of 1892 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency75▼-17
Growth52=
Stability94
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.33 against 1.69 in 2024), and 55.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 63
Relative position
BE, all sectors
reference
Sector 63
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
44.8%
Return on assets
-11.9%
Age of the figures
8 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
22232425
2022 to 2025 · latest year -€5k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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 · 4 filingsDeviation from the deadline
2025
29 d late
2024
52 d late
2023
29 d late
2022
18 d late
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€17k▼ 21.0%
2024 · €22k
2022: €13k
2023: €29k
2024: €22k
2022 → 2025
Total assets
€38k▲ 8.3%
2024 · €35k
2022: €23k
2023: €41k
2024: €35k
2022 → 2025
Net result
€-5k▲ 40.3%
2024 · €-8k
2022: €10k
2023: €16k
2024: €-8k
2022 → 2025
Working capital
€7k▼ 26.4%
2024 · €9k
2022: €12k
2023: €19k
2024: €9k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€13k-€29k▲ 128%€22k▼ 26.0%€17k▼ 21.0%
Operating result€15k-€20k▲ 36.5%€-5k€-4k▲ 18.9%
Net result€10k-€16k▲ 67.3%€-8k€-5k▲ 40.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €4k in 2025 against €5k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €38k
Fixed assets
€10k▼ 16.8%
Current assets
€28k▲ 21.7%
Equity and liabilities €38k
Equity
€17k▼ 21.0%
Debt
€21k▲ 55.0%
The debt ratio rises from 38.6% to 55.2%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-2k▲
2024 · €-3k
Cash flow
€-2k▲
2024 · €-6k
Solvency
44.8%▼
2024 · 61.4%
Current ratio
1.33▼
2024 · 1.69
Quick ratio
1.33▼
2024 · 1.69
Debt / equity
1.23▲
2024 · 0.63
ROE
-26.5%▲
2024 · -35.1%
ROA
-11.9%▲
2024 · -21.5%
Interest coverage
-23.95▲
2024 · -36.87
Debt
€21k▲
2024 · €14k
Debt ≤ 1 year
€21k▲
2024 · €14k
Income taxes
€325▼
2024 · €2k
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€35k€38k▲
Fixed assets21/28€12k€10k▼
Tangible fixed assets22/27€12k€10k▼
Land and buildings22€9k€8k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€1k€685▼
Current assets29/58€23k€28k▲
Amounts receivable within one year40/41€13k€26k▲
Trade receivables40€9k€21k▲
Other amounts receivable41€4k€5k▲
Cash at bank and in hand54/58€6k-
Deferred charges and accrued income490/1€4k€2k▼
Equity and liabilities
Total equity and liabilities10/49€35k€38k▲
Equity10/15€22k€17k▼
Contributions10/11€3k€3k=
Reserves13€19k€14k▼
Distributable reserves133€19k€14k▼
Amounts payable17/49€14k€21k▲
Amounts payable within one year42/48€14k€21k▲
Financial debts43-€1k
Credit institutions430/8-€1k
Trade debts44€6k€9k▲
Suppliers440/4€6k€9k▲
Taxes, remuneration and social security45€7k€11k▲
Taxes450/3€7k€11k▲
Other amounts payable47/48-€234
Income statement
Code20242025
Non-recurring operating income76A€4k€4k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€-2k€-996▲
Operating profit (loss)9901€-5k€-4k▲
Financial income75/76B€165€247▲
Recurring financial income75€165€247▲
Financial charges65/66B€93€97▲
Recurring financial charges65€93€97▲
Profit (loss) for the period before taxes9903€-5k€-4k▲
Income taxes67/77€2k€325▼
Profit (loss) for the period9904€-8k€-5k▲
Profit (loss) for the period to be appropriated9905€-8k€-5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-8k€-5k▲
Transfer from equity791/2€8k€5k▼
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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
21-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 52 days late
2024
31-12
Financial
Weakest financial yearnet €-8k ▼146%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Highest result since 2022net €16k ▲67.3%
Operating result €20k, net result €16k, both a record.
18-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 18 days late
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, Sint-Katelijne-Waver · 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.
Stationsstraat 652860 Sint-Katelijne-WaverGround area
881 m²
Building footprint
94 m²
Volume, LiDAR
560 m³
Parcel 12035B0013/00H007, Flanders · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FINEX MANAGEMENT
since 20222.328.953.568
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12035B0013/00H007 | Flanders | 881 m² | 1 · 94 m² | 10.5 m · 2 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 3,142 companies in sector 63920 we hold annual accounts for 1,516. 997 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-03-2022
Fiscal year end31-12
Activities, NACEBEL
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.