FINEXCY
ActiveFINEXCY has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €255k and a net result of €41k. Equity is growing by ~22.1% per year across the filed fiscal years. Its solvency ranks better than 85% of 31616 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
95
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▼-4
Solvency100▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity ample (current ratio 6.99 against 4.15 in 2024; short-term debt: 12.5% and cash: 67.9% of total assets), and 12.5% 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○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 →
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
87.5%
Return on assets
14.1%
Age of the figures
12 mo
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 19-05-2026, 19 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 · 9 filingsDeviation from the deadline
2025
19 d late
2024
25 d late
2023
13 d early
2022
19 d early
2021
19 d early
2020
1 d early
2019
18 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€255k▲ 9.1%
2024 · €234k
2018: €50k
2019: €72k
2020: €102k
2021: €111k
2022: €168k
2023: €200k
2024: €234k
2018 → 2025
Total assets
€292k▼ 8.0%
2024 · €317k
2018: €148k
2019: €124k
2020: €142k
2021: €129k
2022: €233k
2023: €262k
2024: €317k
2018 → 2025
Net result
€41k▼ 23.6%
2024 · €54k
2018: €26k
2019: €23k
2020: €29k
2021: €9k
2022: €57k
2023: €52k
2024: €54k
2018 → 2025
Working capital
€219k▲ 8.2%
2024 · €202k
2018: €69k
2019: €74k
2020: €94k
2021: €107k
2022: €167k
2023: €198k
2024: €202k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€111k-€168k▲ 51.6%€200k▲ 19.3%€234k▲ 17.0%€255k▲ 9.1%
Operating result€12k-€77k▲ 533%€74k▼ 4.8%€76k▲ 3.0%€60k▼ 20.8%
Net result€9k-€57k▲ 532%€52k▼ 7.4%€54k▲ 3.0%€41k▼ 23.6%
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 21% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €292k
Fixed assets
€37k▼ 28.1%
Current assets
€255k▼ 4.2%
Equity and liabilities €292k
Equity
€255k▲ 9.1%
Debt
€36k▼ 56.1%
The debt ratio falls from 26.2% to 12.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€74k▼
2024 · €81k
Cash flow
€56k▼
2024 · €59k
Solvency
87.5%▲
2024 · 73.8%
Current ratio
6.99▲
2024 · 4.15
Quick ratio
6.99▲
2024 · 4.15
Debt / equity
0.14▼
2024 · 0.36
ROE
16.1%▼
2024 · 23.1%
ROA
14.1%▼
2024 · 17.0%
Interest coverage
353.18▲
2024 · 340.84
Debt
€36k▼
2024 · €83k
Debt ≤ 1 year
€36k▼
2024 · €64k
Income taxes
€19k▼
2024 · €22k
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€317k€292k▼
Fixed assets21/28€51k€37k▼
Tangible fixed assets22/27€51k€37k▼
Plant, machinery and equipment23€598€227▼
Furniture and vehicles24€50k€36k▼
Current assets29/58€266k€255k▼
Amounts receivable within one year40/41€67k€52k▼
Trade receivables40€67k€45k▼
Other amounts receivable41€661€7k▲
Cash at bank and in hand54/58€199k€198k▼
Deferred charges and accrued income490/1-€5k
Equity and liabilities
Total equity and liabilities10/49€317k€292k▼
Equity10/15€234k€255k▲
Contributions10/11€12k€12k=
Reserves13€166k€186k▲
Non-distributable reserves130/1€1k€1k=
Reserves not available under the articles1311€1k€1k=
Distributable reserves133€165k€185k▲
Profit (loss) carried forward14€55k€57k▲
Amounts payable17/49€83k€36k▼
Amounts payable after more than one year17€19k-
Financial debts170/4€19k-
Amounts payable within one year42/48€64k€36k▼
Trade debts44€3k€3k▲
Suppliers440/4€3k€3k▲
Taxes, remuneration and social security45€42k€12k▼
Taxes450/3€15k€3k▼
Remuneration and social security454/9€27k€9k▼
Other amounts payable47/48€20k€21k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€14k▲
Other operating charges640/8€1k€3k▲
Gross operating margin9900€82k€77k▼
Operating profit (loss)9901€76k€60k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€238€211▼
Recurring financial charges65€238€211▼
Profit (loss) for the period before taxes9903€76k€60k▼
Income taxes67/77€22k€19k▼
Profit (loss) for the period9904€54k€41k▼
Profit (loss) for the period to be appropriated9905€54k€41k▼
Appropriation of the result
Profit (loss) to be appropriated9906€105k€97k▼
Profit (loss) brought forward from the previous period14P€51k€55k▲
Transfer from equity791/2€20k€20k=
Transfer to equity691/2€50k€40k▼
To other reserves6921€50k€40k▼
Profit to be distributed694/7€20k€20k=
Return on contributions (dividend)694€20k€20k=
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
19-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 19 days late
2025
25-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
17-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Equity above €200kEq €200k ▲19.3%
6 profitable years in a row build equity to €200k.
11-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Highest result since 2018net €57k ▲532%
Operating result €77k, net result €57k, both a record.
30-09
Financial
Equity above €150kEq €168k ▲51.6%
5 profitable years in a row build equity to €168k.
11-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Weakest financial yearnet €9k ▼69.3%
Net result drops to €9k, the lowest in the series; recovery starts the following year.
30-09
Financial
Liquidity doublescurrent ratio 6.83
Current ratio from 3.33 to 6.83; short-term debt falls from €40k to €18k.
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Equity above €100kEq €102k ▲40.3%
3 profitable years in a row build equity to €102k.
18-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 18 days late
2019
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-04
NBB filing
Annual accounts filed
fiscal year 2017 · 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, Gent
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.
Paviljoenweg 619040 GentGround area
285 m²
Building footprint
98 m²
Volume, LiDAR
745 m³
Parcel 44061B0303/00H002, Flanders · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44061B0303/00H002 | Flanders | 285 m² | 1 · 98 m² | 10.8 m · 3 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 82,554 companies in sector 70200 we hold annual accounts for 52,573. 38,842 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded13-01-2016
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.