FINFLOW
ActiveSummary
FINFLOW has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €135k and a net result of €-6k. Equity is growing by ~4.3% per year across the filed fiscal years. Its solvency ranks better than 92% of 31791 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability13▼-5
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 14.44 against 13.42 in 2024; short-term debt: 6.9% and cash: 89.2% of total assets), and 6.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-6k
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 11-06-2026, 50 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
50 d early
2024
50 d early
2023
43 d late
2022
7 d late
2021
53 d early
2020
47 d early
2019
53 d early
← 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 monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€135k▼ 4.5%
2024 · €141k
2018: €76klowest in 8 years
2019: €110k▲ +44.4% vs 2018
2020: €124k▲ +12.7% vs 2019
2021: €136k▲ +9.6% vs 2020
2022: €140k▲ +3.1% vs 2021
2023: €140k▼ -0.1% vs 2022
2024: €141k▲ +0.6% vs 2023highest in 8 years
2025: €135k▼ -4.5% vs 2024
2018 → 2025
Total assets
€145k▼ 5.0%
2024 · €152k
2018: €98klowest in 8 years
2019: €127k▲ +28.8% vs 2018
2020: €133k▲ +4.9% vs 2019
2021: €142k▲ +6.4% vs 2020
2022: €149k▲ +5.3% vs 2021
2023: €153k▲ +2.8% vs 2022highest in 8 years
2024: €152k▼ -0.6% vs 2023
2025: €145k▼ -5.0% vs 2024
2018 → 2025
Net result
€-6k▼ 415%
2024 · €-1k
2018: €29k
2019: €34k▲ +15.3% vs 2018highest in 8 years
2020: €14k▼ -58.7% vs 2019
2021: €12k▼ -14.7% vs 2020
2022: €4k▼ -64.1% vs 2021
2023: €-150▼ -104% vs 2022
2024: €-1k▼ -720% vs 2023
2025: €-6k▼ -415% vs 2024lowest in 8 years
2018 → 2025
Working capital
€135k▼ 4.2%
2024 · €141k
2018: €59klowest in 8 years
2019: €96k▲ +62.9% vs 2018
2020: €115k▲ +20.2% vs 2019
2021: €136k▲ +17.8% vs 2020
2022: €138k▲ +1.3% vs 2021
2023: €139k▲ +0.7% vs 2022
2024: €141k▲ +1.5% vs 2023highest in 8 years
2025: €135k▼ -4.2% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€136k-€140k▲ 3.1%€140k▼ 0.1%€141k▲ 0.6%€135k▼ 4.5%
2021: €136k
2022: €140k▲ +3.1% vs 2021
2023: €140k▼ -0.1% vs 2022
2024: €141k▲ +0.6% vs 2023highest in 5 years
2025: €135k▼ -4.5% vs 2024lowest in 5 years
Operating result€18k-€7k▼ 62.6%€4k▼ 44.9%€-1k€-6k▼ 445%
2021: €18khighest in 5 years
2022: €7k▼ -62.6% vs 2021
2023: €4k▼ -44.9% vs 2022
2024: €-1k▼ -131% vs 2023
2025: €-6k▼ -445% vs 2024lowest in 5 years
Net result€12k-€4k▼ 64.1%€-150€-1k▼ 720%€-6k▼ 415%
2021: €12khighest in 5 years
2022: €4k▼ -64.1% vs 2021
2023: €-150▼ -104% vs 2022
2024: €-1k▼ -720% vs 2023
2025: €-6k▼ -415% vs 2024lowest in 5 years
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 €6k in 2025 against €1k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €145k
Equity
€135k ▼ 4.5%
Debt
€10k ▼ 11.5%
Debt's share of the balance-sheet total falls from 7.4% to 6.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-6k▼
2024 · €-27
Cash flow
€-6k▼
2024 · €-69
Current ratio
14.44▲
2024 · 13.42
Debt to equity
0.07▼
2024 · 0.08
ROE
-4.7%▼
2024 · -0.9%
ROA
-4.4%▼
2024 · -0.8%
Interest coverage
-37.99▼
2024 · -0.11
Debt ≤ 1 year
€10k▼
2024 · €11k
Income taxes
€249▼
2024 · €1k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€152k€145k▼
Fixed assets21/28€363-
Tangible fixed assets22/27€363-
Furniture and vehicles24€363-
Current assets29/58€152k€145k▼
Amounts receivable within one year40/41€8k€15k▲
Trade receivables40€5k€7k▲
Other amounts receivable41€3k€8k▲
Current investments50/53€70k-
Cash at bank and in hand54/58€73k€129k▲
Deferred charges and accrued income490/1€1k€617▼
Equity and liabilities
Total equity and liabilities10/49€152k€145k▼
Equity10/15€141k€135k▼
Contributions10/11€8k€8k=
Reserves13€32k€32k=
Distributable reserves133€32k€32k=
Profit (loss) carried forward14€101k€95k▼
Amounts payable17/49€11k€10k▼
Amounts payable within one year42/48€11k€10k▼
Trade debts44€334€29▼
Suppliers440/4€334€29▼
Taxes, remuneration and social security45€11k€10k▼
Taxes450/3€11k€10k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€363▼
Other operating charges640/8€899€1k▲
Gross operating margin9900€872€-5k▼
Operating profit (loss)9901€-1k€-6k▼
Financial income75/76B€2k€560▼
Recurring financial income75€2k€560▼
Financial charges65/66B€245€161▼
Recurring financial charges65€245€161▼
Profit (loss) for the period before taxes9903€184€-6k▼
Income taxes67/77€1k€249▼
Profit (loss) for the period9904€-1k€-6k▼
Profit (loss) for the period to be appropriated9905€-1k€-6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€101k€95k▼
Profit (loss) brought forward from the previous period14P€103k€101k▼
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8k | €1k | €1k | €1k | €363 | ▼ 68.7% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €3k | - | - | - |
| Other operating charges640/8 | €1k | €1k | €933 | €899 | €1k | ▲ 22.2% |
| Gross operating margin9900 | €27k | €10k | €9k | €872 | €-5k | ▼ 675% |
| Operating profit (loss)9901 | €18k | €7k | €4k | €-1k | €-6k | ▼ 445% |
| Financial income75/76B | €0 | €9 | - | €2k | €560 | ▼ 65.4% |
| Recurring financial income75 | €0 | €9 | - | €2k | €560 | ▼ 65.4% |
| Financial charges65/66B | €163 | €104 | €185 | €245 | €161 | ▼ 34.3% |
| Recurring financial charges65 | €163 | €104 | €185 | €245 | €161 | ▼ 34.3% |
| Profit (loss) for the period before taxes9903 | €18k | €7k | €4k | €184 | €-6k | ▼ 3,405% |
| Income taxes67/77 | €6k | €3k | €4k | €1k | €249 | ▼ 82.4% |
| Profit (loss) for the period9904 | €12k | €4k | €-150 | €-1k | €-6k | ▼ 415% |
| Profit (loss) for the period to be appropriated9905 | €12k | €4k | €-150 | €-1k | €-6k | ▼ 415% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €142k | €149k | €153k | €152k | €145k | ▼ 5.0% |
| Fixed assets21/28 | €994 | €3k | €2k | €363 | - | - |
| Tangible fixed assets22/27 | €994 | €3k | €2k | €363 | - | - |
| Furniture and vehicles24 | €994 | €3k | €2k | €363 | - | - |
| Current assets29/58 | €141k | €146k | €152k | €152k | €145k | ▼ 4.8% |
| Amounts receivable within one year40/41 | €5k | €4k | €4k | €8k | €15k | ▲ 91.1% |
| Trade receivables40 | €5k | €2k | €2k | €5k | €7k | ▲ 35.8% |
| Other amounts receivable41 | €201 | €2k | €3k | €3k | €8k | ▲ 207% |
| Current investments50/53 | - | - | €50k | €70k | - | - |
| Cash at bank and in hand54/58 | €134k | €141k | €96k | €73k | €129k | ▲ 77.6% |
| Deferred charges and accrued income490/1 | €1k | €1k | €1k | €1k | €617 | ▼ 56.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €142k | €149k | €153k | €152k | €145k | ▼ 5.0% |
| Equity10/15 | €136k | €140k | €140k | €141k | €135k | ▼ 4.5% |
| Contributions10/11 | €6k | €6k | €6k | €8k | €8k | = |
| Reserves13 | €33k | €33k | €33k | €32k | €32k | = |
| Distributable reserves133 | €33k | €33k | €33k | €32k | €32k | = |
| Profit (loss) carried forward14 | €96k | €101k | €101k | €101k | €95k | ▼ 6.2% |
| Amounts payable17/49 | €6k | €9k | €13k | €11k | €10k | ▼ 11.5% |
| Amounts payable within one year42/48 | €5k | €9k | €13k | €11k | €10k | ▼ 11.5% |
| Trade debts44 | €303 | €335 | €544 | €334 | €29 | ▼ 91.3% |
| Suppliers440/4 | €303 | €335 | €544 | €334 | €29 | ▼ 91.3% |
| Taxes, remuneration and social security45 | €3k | €9k | €13k | €11k | €10k | ▼ 9.1% |
| Taxes450/3 | €3k | €9k | €13k | €11k | €10k | ▼ 9.1% |
| Other amounts payable47/48 | €2k | - | - | - | - | - |
| Accrued charges and deferred income492/3 | €750 | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €12k | €4k | €-150 | €-1k | €-6k | ▼ 415% |
| + Depreciation and write-downs630 | €8k | €1k | €1k | €1k | €363 | ▼ 68.7% |
| Operating cash flow (approximation) | €20k | €6k | €1k | €-69 | €-6k | ▼ 8,548% |
| Investment in fixed assets (approximation) | - | €-3k | €0 | €0 | - | - |
| Change in cash | - | €6k | €-45k | €-24k | €56k | ▲ 338% |
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
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-6k
Net result drops to €-6k, the lowest in the series.
11-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
12-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 43 days late
2023
07-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 7 days late
2022
08-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity doublescurrent ratio 29.20
Current ratio from 13.92 to 29.20; short-term debt falls from €9k to €5k.
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
08-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €34k ▲15.3%
Operating result €45k, net result €34k, both a record.
31-12
Financial
Equity above €100kEq €110k ▲44.4%
2 profitable years in a row build equity to €110k.
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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-Pieters-Woluwe · 1 establishment unit since 2007
Ground area
684 m²
Building footprint
109 m²
Volume, LiDAR
756 m³
Parcel 21682C0188/00C011, Brussels · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
FINFLOW
since 20072.164.375.252
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21682C0188/00C011 | Brussels | 684 m² | 1 · 109 m² | 8.3 m · 2 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.
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Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 40,890 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
Founded24-07-2007
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
82990Other business support services
Contact
E-mail
tchubert@skynet.beSint-Pieters-Woluwe
Phone
027716781Sint-Pieters-Woluwe
Fax
027716781Sint-Pieters-Woluwe
Scores and ratios are computed by Checked and are not a credit decision.