FinFuture
ActiveSummary
FinFuture has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €95k and a net result of €245k. Equity is growing by ~4.5% per year across the filed fiscal years. Its solvency ranks better than 26% of 3307 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency42▲+12
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity tight (current ratio 1.04 against 0.83 in 2024; short-term debt: 67.1% and cash: 28.5% of total assets), and 82.7% of the assets are financed with debt.
Credit check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
Signals
Three 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 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← 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
17.3%
Return on assets
44.7%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 31-03-2026, 30 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
30 d early
2024
51 d early
2023
1 d early
2022
2 d early
2021
2 d early
2020
7 d early
2019
3 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today30-09-2026 close30-04-2027 deadline
History
Financials · fiscal year 2025, abbreviated schema
Equity
€95k▲ 330%
2024 · €22k
Total assets
€548k▲ 27.3%
2024 · €431k
Net result
€245k▲ 44.8%
2024 · €169k
Working capital
€16k
2024 · €-61k
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€158k▲ 5.5%€210k▲ 32.8%€230k▲ 9.6%€209k▼ 9.2%€279k▲ 33.5%
Net result€149k▲ 1.8%€194k▲ 30.7%€191k▼ 1.6%€169k▼ 11.5%€245k▲ 44.8%
Equity€9k▼ 50.9%€9k▲ 3.4%€9k▲ 1.9%€22k▲ 132%€95k▲ 330%
Total assets€470k▲ 2.8%€554k▲ 17.9%€500k▼ 9.7%€431k▼ 13.9%€548k▲ 27.3%
Debt€461k▲ 5.0%€545k▲ 18.2%€491k▼ 9.9%€409k▼ 16.7%€454k▲ 11.0%
Working capital€-50k▼ 49.7%€-60k▼ 20.6%€-77k▼ 27.1%€-61k▲ 19.7%€16k
Staff (FTE)5.6▲ 9.8%5.4▼ 3.6%6.2▲ 14.8%6.9▲ 11.3%7.8▲ 13.0%
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 33% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €548k
Fixed assets
€164k ▲ 27.3%
Current assets
€384k ▲ 27.3%
Equity and liabilities €548k
Equity
€95k ▲ 330%
Debt
€454k ▲ 11.0%
Debt's share of the balance-sheet total falls from 94.9% to 82.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€325k▲
2024 · €270k
Cash flow
€290k▲
2024 · €230k
Current ratio
1.04▲
2024 · 0.83
Debt to equity
4.80▼
2024 · 18.60
ROE
258.9%▼
2024 · 769.7%
ROA
44.7%▲
2024 · 39.3%
Interest coverage
102.97▼
2024 · 132.64
Debt ≤ 1 year
€368k▲
2024 · €363k
Debt > 1 year
€86k▲
2024 · €46k
Income taxes
€31k▼
2024 · €38k
Staff costs
€383k▼
2024 · €387k
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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €5k | €0 | - | - | - |
| Remuneration, social security and pensions62 | €287k | €260k | €322k | €387k | €383k | ▼ 0.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €49k | €60k | €60k | €60k | €46k | ▼ 24.7% |
| Other operating charges640/8 | €5k | €8k | €6k | €6k | €9k | ▲ 58.2% |
| Non-recurring operating charges66A | - | - | - | €8k | €132 | ▼ 98.4% |
| Gross operating margin9900 | €499k | €538k | €618k | €671k | €717k | ▲ 7.0% |
| Operating profit (loss)9901 | €158k | €210k | €230k | €209k | €279k | ▲ 33.5% |
| Financial income75/76B | €741 | €181 | €20 | €42 | €3 | ▼ 92.8% |
| Recurring financial income75 | €741 | €181 | €20 | €42 | €3 | ▼ 92.8% |
| Financial charges65/66B | €3k | €4k | €3k | €2k | €3k | ▲ 55.1% |
| Recurring financial charges65 | €3k | €4k | €3k | €2k | €3k | ▲ 55.1% |
| Profit (loss) for the period before taxes9903 | €156k | €206k | €227k | €207k | €276k | ▲ 33.2% |
| Income taxes67/77 | €7k | €12k | €36k | €38k | €31k | ▼ 18.4% |
| Profit (loss) for the period9904 | €149k | €194k | €191k | €169k | €245k | ▲ 44.8% |
| Profit (loss) for the period to be appropriated9905 | €149k | €194k | €191k | €169k | €245k | ▲ 44.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €470k | €554k | €500k | €431k | €548k | ▲ 27.3% |
| Fixed assets21/28 | €200k | €235k | €179k | €129k | €164k | ▲ 27.3% |
| Intangible fixed assets21 | €81k | €132k | €107k | €81k | €55k | ▼ 31.6% |
| Tangible fixed assets22/27 | €119k | €103k | €72k | €48k | €109k | ▲ 127% |
| Furniture and vehicles24 | €114k | €101k | €71k | €46k | €106k | ▲ 131% |
| Other tangible fixed assets26 | €4k | €2k | €920 | €2k | €2k | ▲ 36.3% |
| Financial fixed assets28 | €149 | €149 | €149 | €149 | €149 | = |
| Current assets29/58 | €270k | €319k | €322k | €302k | €384k | ▲ 27.3% |
| Amounts receivable within one year40/41 | €131k | €180k | €208k | €151k | €205k | ▲ 35.1% |
| Trade receivables40 | €131k | €179k | €202k | €151k | €200k | ▲ 32.0% |
| Other amounts receivable41 | €56 | €1k | €6k | €283 | €5k | ▲ 1,677% |
| Cash at bank and in hand54/58 | €129k | €128k | €103k | €141k | €156k | ▲ 10.4% |
| Deferred charges and accrued income490/1 | €10k | €11k | €11k | €9k | €23k | ▲ 164% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €470k | €554k | €500k | €431k | €548k | ▲ 27.3% |
| Equity10/15 | €9k | €9k | €9k | €22k | €95k | ▲ 330% |
| Contributions10/11 | €6k | €6k | €6k | €19k | €19k | = |
| Reserves13 | €2k | €2k | €3k | €3k | €76k | ▲ 2,118% |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €0 | - | - |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €0 | - | - |
| Distributable reserves133 | - | - | €1k | €3k | €76k | ▲ 2,118% |
| Profit (loss) carried forward14 | €950 | €1k | €0 | €0 | €0 | - |
| Amounts payable17/49 | €461k | €545k | €491k | €409k | €454k | ▲ 11.0% |
| Amounts payable after more than one year17 | €141k | €166k | €93k | €46k | €86k | ▲ 88.4% |
| Financial debts170/4 | €141k | €166k | €93k | €46k | €86k | ▲ 88.4% |
| Amounts payable within one year42/48 | €320k | €379k | €398k | €363k | €368k | ▲ 1.3% |
| Current portion of amounts payable after more than one year42 | €53k | €72k | €73k | €47k | €40k | ▼ 15.4% |
| Financial debts43 | - | €15 | €21 | €302 | €11k | ▲ 3,431% |
| Credit institutions430/8 | - | €15 | €21 | €302 | €11k | ▲ 3,431% |
| Trade debts44 | €33k | €20k | €26k | €11k | €50k | ▲ 342% |
| Suppliers440/4 | €33k | €20k | €26k | €11k | €50k | ▲ 342% |
| Taxes, remuneration and social security45 | €76k | €93k | €108k | €132k | €95k | ▼ 28.3% |
| Taxes450/3 | €35k | €52k | €57k | €77k | €48k | ▼ 37.8% |
| Remuneration and social security454/9 | €41k | €41k | €51k | €56k | €47k | ▼ 15.2% |
| Other amounts payable47/48 | €158k | €194k | €191k | €172k | €172k | ▲ 0.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €149k | €194k | €191k | €169k | €245k | ▲ 44.8% |
| + Depreciation and write-downs630 | €49k | €60k | €60k | €60k | €46k | ▼ 24.7% |
| Operating cash flow (approximation) | €198k | €254k | €251k | €230k | €290k | ▲ 26.5% |
| Investment in fixed assets (approximation) | - | €-95k | €-3k | €-11k | €-81k | ▼ 633% |
| Change in cash | - | €-763 | €-25k | €39k | €15k | ▼ 61.8% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
10-09
State Gazette act
Legal form clause · Registered office clause
Duration · Incorporation
03-09
State Gazette act
Incorporation · Founder
Founding capital · Name clause
03-08
State Gazette act
Incorporation · Founder
Founding capital · Bank account
31-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
23-03
State Gazette act
Incorporation · Founder
Founding capital · Bank account
2025
30-09
Financial
Highest result since 2018net €245k ▲44.8%
Operating result €279k, net result €245k, both a record.
10-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
28-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
23-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
27-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
26-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 2 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Beringen · 1 establishment unit since 2016
Ground area
1,319 m²
Building footprint
436 m²
Volume, LiDAR
2,846 m³
Parcel 71049B1210/00N004, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
FinFuture
since 20162.251.020.206
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71049B1210/00N004 | Flanders | 1,319 m² | 1 · 436 m² | 9.8 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 2,143 EUR awarded · 2,102 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 581 EUR | 540 EUR |
| 2024 | 1 | 36 EUR | 36 EUR |
| 2023 | 1 | 1,467 EUR | 1,467 EUR |
| 2022 | 1 | 59 EUR | 59 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
MARTINEZ TONY EXPERT-COMPTABLE
BE 0697.958.352
Dalhem · Eq €94,666
SNEYERS
BE 0459.151.181
Antwerpen · Eq €94,667
ACCURACY
BE 0881.718.419
Oosterzele · Eq €94,708
Account & Data
BE 0440.121.068
Sint-Truiden · Eq €94,486
BUREAUX DE SERVICES MEYFROIDT
BE 0442.614.562
Dinant · Eq €94,722
Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 6,456 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
Founded10-03-2016
Fiscal year end30-09
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Contact
Scores and ratios are computed by Checked and are not a credit decision.