FinFlowConnect
ActiveSummary
FinFlowConnect has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €72k and a net result of €977. Its solvency ranks better than 26% of 8692 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability69▼-1
Solvency50▼-26
Growth52
Track record82
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 1.83 against 1.81 in 2024; short-term debt: 48.3% and cash: 49.4% of total assets), but 74.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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
25.2%
Return on assets
0.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 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 · 2 filingsDeviation from the deadline
2025
18 d late
2024
26 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 monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€72k▲ 4.2%
2024 · €69k
2024: €69k
2025: €72k▲ +4.2% vs 2024
2024 → 2025
Total assets
€287k▲ 112%
2024 · €135k
2024: €135k
2025: €287k▲ +112% vs 2024
2024 → 2025
Net result
€977▼ 35.4%
2024 · €2k
2024: €2k
2025: €977▼ -35.4% vs 2024
2024 → 2025
Working capital
€115k▲ 140%
2024 · €48k
2024: €48k
2025: €115k▲ +140% vs 2024
2024 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€69k-€72k▲ 4.2%
2024: €69k
2025: €72k▲ +4.2% vs 2024
Operating result€3k-€4k▲ 43.1%
2024: €3k
2025: €4k▲ +43.1% vs 2024
Net result€2k-€977▼ 35.4%
2024: €2k
2025: €977▼ -35.4% vs 2024
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 43% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €286k
Fixed assets
€33k ▲ 19.0%
Current assets
€254k ▲ 137%
Equity and liabilities €287k
Equity
€72k ▲ 4.2%
Provisions
€7k ▲ 10.9%
Debt
€208k ▲ 247%
Debt's share of the balance-sheet total rises from 44.3% to 72.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€16k▲
2024 · €10k
Cash flow
€13k▲
2024 · €9k
Current ratio
1.83▲
2024 · 1.81
Debt to equity
2.88▲
2024 · 0.86
ROE
1.4%▼
2024 · 2.2%
ROA
0.3%▼
2024 · 1.1%
Interest coverage
7.97▼
2024 · 24.64
Debt ≤ 1 year
€139k▲
2024 · €59k
Debt > 1 year
€69k
Income taxes
€5k▲
2024 · €2k
Staff costs
€87k▲
2024 · €44k
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 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€135k€287k▲
Formation expenses20€820€620▼
Fixed assets21/28€28k€33k▲
Intangible fixed assets21€7k€22k▲
Tangible fixed assets22/27€20k€11k▼
Furniture and vehicles24€20k€11k▼
Current assets29/58€107k€254k▲
Amounts receivable within one year40/41€48k€110k▲
Trade receivables40€35k€98k▲
Other amounts receivable41€13k€13k=
Cash at bank and in hand54/58€57k€142k▲
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€135k€287k▲
Equity10/15€69k€72k▲
Contributions10/11€50k€50k=
Reserves13€2k€2k▲
Distributable reserves133€2k€2k▲
Investment grants15€18k€20k▲
Provisions and deferred taxes16€6k€7k▲
Deferred taxes168€6k€7k▲
Amounts payable17/49€60k€208k▲
Amounts payable after more than one year17-€69k
Financial debts170/4-€69k
Amounts payable within one year42/48€59k€139k▲
Current portion of amounts payable after more than one year42-€6k
Trade debts44€16k€8k▼
Suppliers440/4€16k€8k▼
Taxes, remuneration and social security45€12k€36k▲
Taxes450/3€3k€17k▲
Remuneration and social security454/9€9k€18k▲
Other amounts payable47/48€31k€88k▲
Accrued charges and deferred income492/3€846€650▼
Income statement
Code20242025
Remuneration, social security and pensions62€44k€87k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€12k▲
Other operating charges640/8€270€737▲
Non-recurring operating charges66A-€7k
Gross operating margin9900€54k€111k▲
Operating profit (loss)9901€3k€4k▲
Financial income75/76B€851€3k▲
Recurring financial income75€851€3k▲
Financial charges65/66B€397€2k▲
Recurring financial charges65€397€2k▲
Profit (loss) for the period before taxes9903€3k€5k▲
Transfer from deferred taxes780€283€919▲
Income taxes67/77€2k€5k▲
Profit (loss) for the period9904€2k€977▼
Profit (loss) for the period to be appropriated9905€2k€977▼
Appropriation of the result
Profit (loss) to be appropriated9906€2k€977▼
Transfer to equity691/2€2k€977▼
To other reserves6921€2k€977▼
Social balance
Average headcount (FTE)90870.91.3▲
The notes to these accounts (19 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Remuneration, social security and pensions62 | €44k | €87k | ▲ 97.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7k | €12k | ▲ 72.9% |
| Other operating charges640/8 | €270 | €737 | ▲ 173% |
| Non-recurring operating charges66A | - | €7k | - |
| Gross operating margin9900 | €54k | €111k | ▲ 105% |
| Operating profit (loss)9901 | €3k | €4k | ▲ 43.1% |
| Financial income75/76B | €851 | €3k | ▲ 224% |
| Recurring financial income75 | €851 | €3k | ▲ 224% |
| Financial charges65/66B | €397 | €2k | ▲ 409% |
| Recurring financial charges65 | €397 | €2k | ▲ 409% |
| Profit (loss) for the period before taxes9903 | €3k | €5k | ▲ 45.9% |
| Transfer from deferred taxes780 | €283 | €919 | ▲ 225% |
| Income taxes67/77 | €2k | €5k | ▲ 136% |
| Profit (loss) for the period9904 | €2k | €977 | ▼ 35.4% |
| Profit (loss) for the period to be appropriated9905 | €2k | €977 | ▼ 35.4% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €135k | €287k | ▲ 112% |
| Formation expenses20 | €820 | €620 | ▼ 24.4% |
| Fixed assets21/28 | €28k | €33k | ▲ 19.0% |
| Intangible fixed assets21 | €7k | €22k | ▲ 192% |
| Tangible fixed assets22/27 | €20k | €11k | ▼ 44.1% |
| Furniture and vehicles24 | €20k | €11k | ▼ 44.1% |
| Current assets29/58 | €107k | €254k | ▲ 137% |
| Amounts receivable within one year40/41 | €48k | €110k | ▲ 131% |
| Trade receivables40 | €35k | €98k | ▲ 178% |
| Other amounts receivable41 | €13k | €13k | = |
| Cash at bank and in hand54/58 | €57k | €142k | ▲ 149% |
| Deferred charges and accrued income490/1 | €2k | €1k | ▼ 39.8% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €135k | €287k | ▲ 112% |
| Equity10/15 | €69k | €72k | ▲ 4.2% |
| Contributions10/11 | €50k | €50k | = |
| Reserves13 | €2k | €2k | ▲ 64.6% |
| Distributable reserves133 | €2k | €2k | ▲ 64.6% |
| Investment grants15 | €18k | €20k | ▲ 10.9% |
| Provisions and deferred taxes16 | €6k | €7k | ▲ 10.9% |
| Deferred taxes168 | €6k | €7k | ▲ 10.9% |
| Amounts payable17/49 | €60k | €208k | ▲ 247% |
| Amounts payable after more than one year17 | - | €69k | - |
| Financial debts170/4 | - | €69k | - |
| Amounts payable within one year42/48 | €59k | €139k | ▲ 135% |
| Current portion of amounts payable after more than one year42 | - | €6k | - |
| Trade debts44 | €16k | €8k | ▼ 48.3% |
| Suppliers440/4 | €16k | €8k | ▼ 48.3% |
| Taxes, remuneration and social security45 | €12k | €36k | ▲ 194% |
| Taxes450/3 | €3k | €17k | ▲ 411% |
| Remuneration and social security454/9 | €9k | €18k | ▲ 109% |
| Other amounts payable47/48 | €31k | €88k | ▲ 186% |
| Accrued charges and deferred income492/3 | €846 | €650 | ▼ 23.1% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €2k | €977 | ▼ 35.4% |
| + Depreciation and write-downs630 | €7k | €12k | ▲ 72.9% |
| Operating cash flow (approximation) | €9k | €13k | ▲ 53.8% |
| Investment in fixed assets (approximation) | - | €-17k | - |
| Change in cash | - | €85k | - |
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
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 18 days late
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 26 days late
NBB filing
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Hasselt · 1 establishment unit since 2023
Ground area
3,380 m²
Parcel 71322A0540/00B002, Flanders. Linked by address, not a title deed.
67
companies at this address
See who is registered here
1 establishment unit
Kempische steenweg 303, 3500 Hasselt
since 20232.354.044.203
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71322A0540/00B002 | Flanders | 3,380 m² | - | - |
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
2024 to 2025 · 4 entries · 32,500 EUR awarded · 18,874 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 3 | 7,500 EUR | 6,374 EUR |
| 2024 | 1 | 25,000 EUR | 12,500 EUR |
Schemes
Kmo-groeisubsidie: steun voor groeitrajecten bij kmo's (stopgezet)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
Viclise
BE 1004.177.553
Maarkedal · Eq €72,340
ES SENSE
BE 0502.764.658
Elsene · Eq €72,337
SUPPORT P&T
BE 1006.787.546
Esneux · Eq €72,345
HRE CONSULTING
BE 0690.947.826
Gembloux · Eq €72,333
WEALTH CREATION COMPANY
BE 0840.101.360
Elsene · Eq €72,347
Of 82,632 companies in sector 70200 we hold annual accounts for 52,575. 39,792 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
Founded21-12-2023
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
58290Other software publishing
62100Computer programming
62200Computer consultancy and computer facilities management
Scores and ratios are computed by Checked and are not a credit decision.