Summary
FINFINITY 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 €181,097 and a net result of €71,356. Equity is growing by ~21.9% per year across the filed fiscal years. Its solvency ranks better than 49% of 1486 sector peers (fiscal year 2025). The company has been active since 2017 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.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 27-07-2026, 4 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
4 d early
2024
30 d early
2023
14 d early
2022
28 d early
2021
20 d early
2020
26 d early
2019
28 d early
← 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 21 days before 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
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€181,097▲ 17.4%
2024 · €154,221
Net result
€71,356▲ 1,034%
2024 · €6,294
Total assets
€478,328▼ 13.1%
2024 · €550,604
Solvency
37.9%▲ 9.9pp
2024 · 28.0%
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€19,527€51,534▲ 164%€98,668▲ 91.5%€17,150▼ 82.6%€95,110▲ 455%
Net result€20,777€41,222▲ 98.4%€79,443▲ 92.7%€6,294▼ 92.1%€71,356▲ 1,034%
Equity€101,458▲ 1,686%€117,091▲ 15.4%€147,927▲ 26.3%€154,221▲ 4.3%€181,097▲ 17.4%
Total assets€235,894▲ 412%€228,547▼ 3.1%€461,410▲ 102%€550,604▲ 19.3%€478,328▼ 13.1%
Debt€134,436▲ 233%€111,457▼ 17.1%€313,483▲ 181%€396,382▲ 26.4%€297,231▼ 25.0%
Working capital€111,772▲ 382%€122,706▲ 9.8%€126,986▲ 3.5%€95,890▼ 24.5%€94,048▼ 1.9%
Solvency43.0%▲ 30.7pp51.2%▲ 8.2pp32.1%▼ 19.2pp28.0%▼ 4.1pp37.9%▲ 9.9pp
Staff (FTE)0.91.3▲ 44.4%1.1▼ 15.4%1.7▲ 54.5%2.8▲ 64.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 455% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €478,328
Fixed assets
€141,678 ▲ 9.5%
Current assets
€336,651 ▼ 20.1%
Equity and liabilities €478,328
Equity
€181,097 ▲ 17.4%
Debt
€297,231 ▼ 25.0%
Debt's share of the balance-sheet total falls from 72.0% to 62.1%. Equity is higher and debt is lower.
Key figures and ratios
ROE
39.4%▲
2024 · 4.1%
ROA
14.9%▲
2024 · 1.1%
Debt ≤ 1 year
€242,603▼
2024 · €325,354
Debt > 1 year
€54,629▼
2024 · €71,029
Income taxes
€17,605▲
2024 · €5,289
Staff costs
€186,483▲
2024 · €97,407
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 | €40,775 | €73,583 | €77,670 | €97,407 | €186,483 | ▲ 91.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,627 | €3,338 | €7,306 | €11,570 | €17,530 | ▲ 51.5% |
| Other operating charges640/8 | €1,103 | €973 | €973 | €36,745 | €1,812 | ▼ 95.1% |
| Non-recurring operating charges66A | - | €874 | €0 | - | - | - |
| Gross operating margin9900 | €64,031 | €130,302 | €184,618 | €162,872 | €300,934 | ▲ 84.8% |
| Operating profit (loss)9901 | €19,527 | €51,534 | €98,668 | €17,150 | €95,110 | ▲ 455% |
| Financial income75/76B | €1,816 | €1 | €3 | €0 | €46 | ▲ 15,127% |
| Recurring financial income75 | €1,816 | €1 | €3 | €0 | €46 | ▲ 15,127% |
| Financial charges65/66B | €365 | €355 | €1,457 | €5,567 | €6,195 | ▲ 11.3% |
| Recurring financial charges65 | €365 | €355 | €1,457 | €5,567 | €6,195 | ▲ 11.3% |
| Profit (loss) for the period before taxes9903 | €20,978 | €51,179 | €97,214 | €11,583 | €88,960 | ▲ 668% |
| Income taxes67/77 | €201 | €9,957 | €17,771 | €5,289 | €17,605 | ▲ 233% |
| Profit (loss) for the period9904 | €20,777 | €41,222 | €79,443 | €6,294 | €71,356 | ▲ 1,034% |
| Profit (loss) for the period to be appropriated9905 | €20,777 | €41,222 | €79,443 | €6,294 | €71,356 | ▲ 1,034% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €235,894 | €228,547 | €461,410 | €550,604 | €478,328 | ▼ 13.1% |
| Fixed assets21/28 | €6,520 | €6,238 | €66,950 | €129,360 | €141,678 | ▲ 9.5% |
| Intangible fixed assets21 | €2,757 | €1,336 | €64,589 | €127,930 | €113,836 | ▼ 11.0% |
| Tangible fixed assets22/27 | €3,763 | €4,902 | €2,360 | €1,430 | €18,041 | ▲ 1,162% |
| Plant, machinery and equipment23 | €3,763 | €4,902 | €2,360 | €1,430 | €4,996 | ▲ 249% |
| Furniture and vehicles24 | - | - | - | - | €13,045 | - |
| Financial fixed assets28 | - | - | - | - | €9,801 | - |
| Current assets29/58 | €229,375 | €222,310 | €394,460 | €421,244 | €336,651 | ▼ 20.1% |
| Amounts receivable within one year40/41 | €149,309 | €60,076 | €102,249 | €302,253 | €125,295 | ▼ 58.5% |
| Trade receivables40 | €134,946 | €40,686 | €101,614 | €301,689 | €123,005 | ▼ 59.2% |
| Other amounts receivable41 | €14,363 | €19,390 | €635 | €564 | €2,290 | ▲ 306% |
| Cash at bank and in hand54/58 | €79,326 | €161,412 | €289,376 | €116,672 | €206,021 | ▲ 76.6% |
| Deferred charges and accrued income490/1 | €740 | €822 | €2,835 | €2,319 | €5,335 | ▲ 130% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €235,894 | €228,547 | €461,410 | €550,604 | €478,328 | ▼ 13.1% |
| Equity10/15 | €101,458 | €117,091 | €147,927 | €154,221 | €181,097 | ▲ 17.4% |
| Contributions10/11 | €100,000 | €100,000 | €100,000 | €100,000 | €100,000 | = |
| Reserves13 | €788 | €16,420 | €47,256 | €53,551 | €80,426 | ▲ 50.2% |
| Distributable reserves133 | €788 | €16,420 | €47,256 | €53,551 | €80,426 | ▲ 50.2% |
| Profit (loss) carried forward14 | €671 | €671 | €671 | €671 | €671 | = |
| Amounts payable17/49 | €134,436 | €111,457 | €313,483 | €396,382 | €297,231 | ▼ 25.0% |
| Amounts payable after more than one year17 | €16,833 | €11,853 | €46,009 | €71,029 | €54,629 | ▼ 23.1% |
| Financial debts170/4 | €16,833 | €11,853 | €46,009 | €71,029 | €54,629 | ▼ 23.1% |
| Amounts payable within one year42/48 | €117,603 | €99,603 | €267,474 | €325,354 | €242,603 | ▼ 25.4% |
| Current portion of amounts payable after more than one year42 | €4,920 | €4,979 | €25,425 | €24,440 | €25,160 | ▲ 2.9% |
| Financial debts43 | €411 | €0 | €120 | €275 | €230 | ▼ 16.4% |
| Credit institutions430/8 | €411 | €0 | €120 | €275 | €230 | ▼ 16.4% |
| Trade debts44 | €102,413 | €54,368 | €129,796 | €220,541 | €110,197 | ▼ 50.0% |
| Suppliers440/4 | €102,413 | €54,368 | €129,796 | €220,541 | €110,197 | ▼ 50.0% |
| Taxes, remuneration and social security45 | €9,859 | €14,666 | €63,316 | €79,887 | €62,325 | ▼ 22.0% |
| Taxes450/3 | €1,285 | €7,484 | €52,235 | €62,011 | €37,441 | ▼ 39.6% |
| Remuneration and social security454/9 | €8,574 | €7,182 | €11,080 | €17,875 | €24,884 | ▲ 39.2% |
| Other amounts payable47/48 | - | €25,590 | €48,818 | €211 | €44,691 | ▲ 21,130% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €20,777 | €41,222 | €79,443 | €6,294 | €71,356 | ▲ 1,034% |
| + Depreciation and write-downs630 | €2,627 | €3,338 | €7,306 | €11,570 | €17,530 | ▲ 51.5% |
| Operating cash flow (approximation) | €23,403 | €44,560 | €86,750 | €17,864 | €88,885 | ▲ 398% |
| Investment in fixed assets (approximation) | - | -€3,057 | -€68,018 | -€73,980 | -€29,848 | ▲ 59.7% |
| Change in cash | - | €82,086 | €127,964 | -€172,704 | €89,349 | ▲ 152% |
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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150,000Eq €154,221 ▲4.3%
4 profitable years in a row build equity to €154,221.
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €79,443 ▲92.7%
Operating result €98,668, net result €79,443, both a record.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €20,777
Net result €20,777 after one loss-making year.
31-12
Financial
Equity above €100,000Eq €101,458 ▲1,686%
Equity rises from €5,682 to €101,458.
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet -€20,106
Net result drops to -€20,106, the lowest in the series; recovery starts the following year.
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
12-07
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.
0 of 8 acts read
About the unread acts
We know of 8 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
8 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, Gent · 1 establishment unit since 2017
Ground area
2,231 m²
Building footprint
588 m²
Volume, LiDAR
7,389 m³
Parcel 44805E0864/00K000, Flanders · tallest building 19.8 m, ±5 floors. Linked by address, not a title deed.
11
companies at this address
See who is registered here
1 establishment unit
FinFinity
since 20172.261.834.122
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44805E0864/00K000 | Flanders | 2,231 m² | 1 · 588 m² | 19.8 m · 5 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.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 885 EUR awarded · 885 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 885 EUR | 885 EUR |
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Of 4,673 companies in sector 66220 we hold annual accounts for 3,219. 2,830 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
Founded09-02-2017
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
66199Other activities auxiliary to financial services, excluding insurance and pension funding
Scores and ratios are computed by Checked and are not a credit decision.