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FINFISCO

Active
Public limited companyfounded 201115 yrs activeHeuvenstraat 56, 3520 Zonhoven, BelgiumKBO/BCE: BE 0838.018.929
Summary

FINFISCO has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €61k and a net result of €182k. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 14% of 3200 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Checked score

Score 2025
Axes · tick = 2024
Profitability100▲+1
Solvency34=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity short (current ratio 0.79 against 0.81 in 2024; short-term debt: 78% and cash: 11.5% of total assets), and 91.5% of the assets are financed with debt.
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Signals

Six 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
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
lowers risk · Lower-risk legal form
Companies with this legal form statistically fail less often than a BV.
KBO · legal form
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
8.5%
Return on assets
25.3%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 15 years 0 20 y
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 3200 sector peers (2025).
NBB · sector comparison
Position among 3200 sector peers
Solvency
better than 14%
← weakest strongest →
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 · 10 filings
Deviation from the deadline
2025
29 d late
2024
30 d late
2023
30 d late
2022
28 d late
2021
31 d late
2020
30 d late
2019
91 d late
← 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 months
Position in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 14 July 2011, FINFISCO was incorporated.1 Total assets went from EUR 547,646 in 2018 to EUR 720,408 in 2025 and headcount from 6.2 to 11.6 full-time equivalents.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2025

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Financials · fiscal year 2025, full schema

Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€182k▲ 11.0%
2024 · €164k
Working capital
€-119k▼ 33.3%
2024 · €-89k
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€111k▲ 24.0%€140k▲ 25.7%€75k▼ 46.3%€191k▲ 154%€205k▲ 7.5%
Net result€89k▲ 14.3%€124k▲ 38.5%€63k▼ 48.8%€164k▲ 159%€182k▲ 11.0%
Equity€59k▼ 1.2%€62k▲ 3.9%€61k▼ 0.3%€61k▼ 0.3%€61k=
Total assets€553k▼ 1.8%€619k▲ 11.8%€719k▲ 16.2%€689k▼ 4.1%€720k▲ 4.5%
Debt€472k▼ 1.5%€537k▲ 13.8%€640k▲ 19.1%€613k▼ 4.3%€646k▲ 5.5%
Working capital€-47k▼ 26.1%€-88k▼ 88.4%€-135k▼ 52.2%€-89k▲ 33.6%€-119k▼ 33.3%
Staff (FTE)11▲ 22.2%11.3▲ 2.7%11.3=11.3=11.6▲ 2.7%
Result per fiscal year
Operating resultNet result
€0€100k€200kOperating result 2021: €111k€111kNet result 2021: €89k€89kOperating result 2022: €140k€140kNet result 2022: €124k€124kOperating result 2023: €75k€75kNet result 2023: €63k€63kOperating result 2024: €191k€191kNet result 2024: €164k€164kOperating result 2025: €205k€205kNet result 2025: €182k€182k20212022202320242025€0€100k€200kOperating result 2023: €75k€75kNet result 2023: €63k€63kOperating result 2024: €191k€191kNet result 2024: €164k€164kOperating result 2025: €205k€205kNet result 2025: €182k€182k202320242025
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 8% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €720k
Fixed assets €278k ▼ 9.2%
Current assets €443k ▲ 15.5%
Equity and liabilities €720k
Equity €61k =
Provisions €13k ▼ 14.4%
Debt €646k ▲ 5.5%
Debt's share of the balance-sheet total rises from 88.9% to 89.7%. Debt is higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
€238k▼
2024 · €239k
Cash flow
€216k▲
2024 · €212k
Current ratio
0.79▼
2024 · 0.81
Debt to equity
10.55▲
2024 · 10.01
ROE
297.4%▲
2024 · 268.1%
ROA
25.3%▲
2024 · 23.8%
Interest coverage
18.18▼
2024 · 24.52
Debt ≤ 1 year
€562k▲
2024 · €473k
Debt > 1 year
€81k▼
2024 · €134k
Income taxes
€21k▲
2024 · €20k
Staff costs
€798k▲
2024 · €747k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 69 lines
Balance sheet Code20242025
Assets
Total assets20/58€689k€720k▲
Fixed assets21/28€306k€278k▼
Intangible fixed assets21€1€1=
Tangible fixed assets22/27€301k€273k▼
Plant, machinery and equipment23€33k€65k▲
Furniture and vehicles24€74k€18k▼
Other tangible fixed assets26€193k€190k▼
Financial fixed assets28€5k€5k=
Current assets29/58€383k€443k▲
Amounts receivable within one year40/41€261k€356k▲
Trade receivables40€229k€298k▲
Other amounts receivable41€32k€58k▲
Cash at bank and in hand54/58€110k€83k▼
Deferred charges and accrued income490/1€12k€3k▼
Equity and liabilities
Total equity and liabilities10/49€689k€720k▲
Equity10/15€61k€61k=
Contributions10/11€77k€77k=
Capital10€72k€72k=
Issued capital100€72k€72k=
Outside capital11€5k€5k=
Share premium1100/10€5k€5k=
Reserves13€58k€58k=
Non-distributable reserves130/1€7k€7k=
Legal reserve130€7k€7k=
Tax-exempt reserves132€31k€26k▼
Distributable reserves133€20k€24k▲
Profit (loss) carried forward14€-74k€-74k=
Provisions and deferred taxes16€15k€13k▼
Deferred taxes168€15k€13k▼
Amounts payable17/49€613k€646k▲
Amounts payable after more than one year17€134k€81k▼
Financial debts170/4€134k€81k▼
Amounts payable within one year42/48€473k€562k▲
Current portion of amounts payable after more than one year42€68k€63k▼
Financial debts43€105k€116k▲
Credit institutions430/8€105k€116k▲
Trade debts44€24k€71k▲
Suppliers440/4€24k€71k▲
Taxes, remuneration and social security45€112k€129k▲
Taxes450/3€16k€44k▲
Remuneration and social security454/9€95k€85k▼
Other amounts payable47/48€164k€182k▲
Accrued charges and deferred income492/3€6k€4k▼
Income statement Code20242025
Remuneration, social security and pensions62€747k€798k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€48k€33k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€13k€7k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€1.00M€1.05M▲
Operating profit (loss)9901€191k€205k▲
Financial income75/76B€1k€21k▲
Recurring financial income75€1k€786▼
Non-recurring financial income76B-€20k
Financial charges65/66B€10k€25k▲
Recurring financial charges65€10k€13k▲
Non-recurring financial charges66B-€12k
Profit (loss) for the period before taxes9903€182k€201k▲
Transfer from deferred taxes780€2k€2k=
Income taxes67/77€20k€21k▲
Profit (loss) for the period9904€164k€182k▲
Transfer from tax-exempt reserves789€4k€4k=
Profit (loss) for the period to be appropriated9905€169k€187k▲
Appropriation of the result
Profit (loss) to be appropriated9906€95k€113k▲
Profit (loss) brought forward from the previous period14P€-74k€-74k=
Transfer to equity691/2€4k€4k▲
To other reserves6921€4k€4k▲
Profit to be distributed694/7€164k€182k▲
Directors or managers695€164k€160k▼
Employees696-€22k
Social balance
Average headcount (FTE)908711.3-

The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Remuneration, social security and pensions62€534k€632k€705k€747k€798k▲ 6.7%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€30k€40k€48k€33k▼ 30.6%
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€3k€4k€9k€13k€7k▼ 43.9%
Other operating charges640/8€2k€2k€2k€2k€2k▼ 4.1%
Gross operating margin9900€680k€808k€831k€1.00M€1.05M▲ 4.4%
Operating profit (loss)9901€111k€140k€75k€191k€205k▲ 7.5%
Financial income75/76B€3k€2k€9k€1k€21k▲ 1,680%
Recurring financial income75€3k€2k€2k€1k€786▼ 33.8%
Non-recurring financial income76B--€7k-€20k-
Financial charges65/66B€16k€7k€10k€10k€25k▲ 159%
Recurring financial charges65€6k€6k€8k€10k€13k▲ 34.6%
Non-recurring financial charges66B€10k€960€2k-€12k-
Profit (loss) for the period before taxes9903€97k€134k€75k€182k€201k▲ 10.3%
Transfer from deferred taxes780€2k€2k€2k€2k€2k=
Income taxes67/77€10k€13k€13k€20k€21k▲ 4.1%
Profit (loss) for the period9904€89k€124k€63k€164k€182k▲ 11.0%
Transfer from tax-exempt reserves789€4k€4k€4k€4k€4k=
Profit (loss) for the period to be appropriated9905€94k€128k€68k€169k€187k▲ 10.7%
Line20212022202320242025Change
Assets
Total assets20/58€553k€619k€719k€689k€720k▲ 4.5%
Fixed assets21/28€247k€266k€323k€306k€278k▼ 9.2%
Intangible fixed assets21€21k€14k€7k€1€1=
Tangible fixed assets22/27€221k€248k€311k€301k€273k▼ 9.3%
Plant, machinery and equipment23€6k€8k€37k€33k€65k▲ 95.7%
Furniture and vehicles24€16k€16k€66k€74k€18k▼ 75.5%
Other tangible fixed assets26€199k€225k€208k€193k€190k▼ 1.8%
Financial fixed assets28€5k€5k€5k€5k€5k=
Current assets29/58€306k€352k€396k€383k€443k▲ 15.5%
Amounts receivable within one year40/41€220k€280k€290k€261k€356k▲ 36.4%
Trade receivables40€220k€220k€268k€229k€298k▲ 29.9%
Other amounts receivable41-€60k€21k€32k€58k▲ 82.4%
Cash at bank and in hand54/58€77k€63k€98k€110k€83k▼ 24.8%
Deferred charges and accrued income490/1€9k€9k€8k€12k€3k▼ 72.7%
Equity and liabilities
Total equity and liabilities10/49€553k€619k€719k€689k€720k▲ 4.5%
Equity10/15€59k€62k€61k€61k€61k=
Contributions10/11€77k€77k€77k€77k€77k=
Capital10€72k€72k€72k€72k€72k=
Issued capital100€72k€72k€72k€72k€72k=
Outside capital11€5k€5k€5k€5k€5k=
Share premium1100/10€5k€5k€5k€5k€5k=
Reserves13€56k€58k€58k€58k€58k=
Non-distributable reserves130/1€6k€7k€7k€7k€7k=
Legal reserve130€6k€7k€7k€7k€7k=
Tax-exempt reserves132€44k€40k€35k€31k€26k▼ 14.4%
Distributable reserves133€6k€11k€15k€20k€24k▲ 22.5%
Profit (loss) carried forward14€-74k€-74k€-74k€-74k€-74k=
Provisions and deferred taxes16€22k€19k€17k€15k€13k▼ 14.4%
Deferred taxes168€22k€19k€17k€15k€13k▼ 14.4%
Amounts payable17/49€472k€537k€640k€613k€646k▲ 5.5%
Amounts payable after more than one year17€117k€90k€87k€134k€81k▼ 40.0%
Financial debts170/4€117k€90k€87k€134k€81k▼ 40.0%
Amounts payable within one year42/48€353k€441k€531k€473k€562k▲ 18.8%
Current portion of amounts payable after more than one year42€26k€27k€30k€68k€63k▼ 6.3%
Financial debts43€79k€83k€97k€105k€116k▲ 11.0%
Credit institutions430/8€79k€83k€97k€105k€116k▲ 11.0%
Trade debts44€73k€79k€202k€24k€71k▲ 190%
Suppliers440/4€73k€79k€202k€24k€71k▲ 190%
Taxes, remuneration and social security45€85k€131k€137k€112k€129k▲ 15.6%
Taxes450/3€20k€50k€68k€16k€44k▲ 170%
Remuneration and social security454/9€66k€80k€69k€95k€85k▼ 10.8%
Other amounts payable47/48€90k€122k€64k€164k€182k▲ 10.8%
Accrued charges and deferred income492/3€2k€7k€22k€6k€4k▼ 32.0%
Line20212022202320242025Change
Profit (loss) for the period9904€89k€124k€63k€164k€182k▲ 11.0%
+ Depreciation and write-downs630€31k€30k€40k€48k€33k▼ 30.6%
Operating cash flow (approximation)€120k€154k€103k€212k€216k▲ 1.5%
Investment in fixed assets (approximation)-€-50k€-96k€-31k€-5k▲ 82.6%
Change in cash-€-14k€35k€12k€-27k▼ 322%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
25-09
State Gazette act Incorporation · Founder
Founding capital · Bank account
23-09
State Gazette act Registered-office move · Power of attorney
22-09
State Gazette act Incorporation · Duration
Partner · Capital
21-09
State Gazette act Board meeting · Registered-office move
Power of attorney
21-09
State Gazette act Board meeting · Registered-office move
Power of attorney
21-09
State Gazette act Board meeting · Registered-office move
Power of attorney
17-09
State Gazette act General meeting · Registered-office move
Power of attorney · Other statement
17-09
State Gazette act Incorporation · Founder
Founding capital · Fiscal year
11-09
State Gazette act Incorporation · Name clause
Registered office clause · Duration
08-09
State Gazette act Incorporation · Legal form clause
Name clause · Registered office clause
08-09
State Gazette act Legal form clause · Registered office clause
Duration · Partner
01-09
State Gazette act Legal form clause · Name clause
Registered office clause · Duration
Show earlier events
31-08
State Gazette act General meeting · Registered-office move
Power of attorney
29-08
NBB filing Annual accounts filed
fiscal year 2025 · full schema · 29 days late
26-08
State Gazette act Board meeting · Registered-office move
Power of attorney
14-08
State Gazette act General meeting · Registered-office move
Power of attorney
14-08
State Gazette act General meeting · Director resignation
Registered-office move · Share transfer
10-08
State Gazette act General meeting · Director resignation
Permanent representative · Director appointment
10-08
State Gazette act General meeting · Dissolution
Liquidation closure · Net-asset statement
07-08
State Gazette act General meeting · Registered-office move
07-08
State Gazette act General meeting · Board meeting
Director resignation · Power of attorney
07-08
State Gazette act General meeting · Registered-office move
Power of attorney
09-07
State Gazette act Incorporation · Founder
Founding capital · Director appointment
09-07
State Gazette act Incorporation · Founder
Founding capital · Director appointment
06-07
State Gazette act Incorporation · Founder
Founding capital · Director appointment
25-03
State Gazette act General meeting · Registered-office move
Power of attorney
20-03
State Gazette act Incorporation · Founder
Founding capital · Bank account
09-02
State Gazette act General meeting · Merger
Dissolution · Accounting effect
09-02
State Gazette act General meeting · Merger
Accounting effect · Dissolution
2025
31-12
Financial Highest result since 2018net €182k ▲11%
Operating result €205k, net result €182k, both a record.
30-08
NBB filing Annual accounts filed
fiscal year 2024 · abbreviated schema · 30 days late
2024
30-08
NBB filing Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
28-08
NBB filing Annual accounts filed
fiscal year 2022 · abbreviated schema · 28 days late
2022
31-08
NBB filing Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
30-08
NBB filing Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2020
30-10
NBB filing Annual accounts filed
fiscal year 2019 · abbreviated schema · 91 days late
2019
29-08
NBB filing Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
07-08
NBB filing Annual accounts filed
fiscal year 2017 · micro schema · 7 days late
2017
30-08
NBB filing Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneState Gazette actNBB 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.

Have them read with priority Sign in to place this company at the front of the reading queue.

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, Zonhoven · 1 establishment unit since 2011
seat establishment The establishment unit on the map
Ground area
2,781 m²
Building footprint
334 m²
Volume, LiDAR
2,510 m³
Parcel 71443F0049/00K000, Flanders · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
6 companies at this address See who is registered here
1 establishment unit
FINFISCO
Heuvenstraat 56, 3520 ZonhovenLegal and accounting activities
since 20112.200.725.013
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
71443F0049/00K000 Flanders 2,781 m² 1 · 334 m² 11.7 m · 3 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.

Public money · subsidies and aid

Flemish government

2022 to 2025 · 5 entries · 7,710 EUR awarded · 7,710 EUR paid
Year Entries awardedpaid
2025 2 4,854 EUR4,854 EUR
2024 2 2,661 EUR2,661 EUR
2022 1 195 EUR195 EUR
Schemes
Vlaams opleidingsverlof (VOV)
2 entries · 4,260 EUR · 4,260 EUR paid · Departement Werk en Sociale Economie
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
3 entries · 3,450 EUR · 3,450 EUR paid · Fonds voor Innoveren en Ondernemen

Similar companies · same sector, comparable size

Of 82,632 companies in sector 70200 we hold annual accounts for 52,587. 39,092 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPublic limited company
Founded14-07-2011
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
70200Business and other management consultancy

Scores and ratios are computed by Checked and are not a credit decision.