FINGENI
ActiveFINGENI has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €6k and a net result of €62k. Equity is shrinking by ~36.1% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 15% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency32▲+3
Growth32=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Seven 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
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
7.5%
Return on assets
77%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 31662 sector peers (2025).
NBB · sector comparisonPosition among 31662 sector peers
Solvency
better than 15%
← weakest
strongest →
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 03-06-2026, 58 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
58 d early
2024
14 d early
2023
15 d early
2022
67 d early
2021
27 d early
2020
25 d early
← before the deadline
after the deadline →
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€6k=
2024 · €6k
2020: €71k
2021: €122k
2022: €176k
2023: €71k
2024: €6k
2020 → 2025
Total assets
€80k▼ 44.6%
2024 · €145k
2020: €84k
2021: €138k
2022: €194k
2023: €89k
2024: €145k
2020 → 2025
Net result
€62k▲ 1.5%
2024 · €61k
2020: €66k
2021: €52k
2022: €54k
2023: €66k
2024: €61k
2020 → 2025
Working capital
€-5k▲ 25.2%
2024 · €-6k
2020: €71k
2021: €105k
2022: €161k
2023: €56k
2024: €-6k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€122k-€176k▲ 44.3%€71k▼ 59.8%€6k▼ 91.5%€6k=
Operating result€66k-€70k▲ 7.0%€84k▲ 19.7%€77k▼ 8.2%€78k▲ 1.3%
Net result€52k-€54k▲ 4.9%€66k▲ 21.3%€61k▼ 7.4%€62k▲ 1.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €80k
Fixed assets
€11k▼ 13.0%
Current assets
€69k▼ 47.5%
Equity and liabilities €80k
Equity
€6k=
Debt
€74k▼ 46.5%
The debt ratio falls from 95.9% to 92.5%. Debt is lower.
Key figures and ratios
EBITDA
€81k▲
2024 · €80k
Cash flow
€64k▲
2024 · €63k
Solvency
7.5%▲
2024 · 4.1%
Current ratio
0.94▼
2024 · 0.95
Quick ratio
0.94▼
2024 · 0.95
Debt / equity
12.36▼
2024 · 23.10
ROA
77.0%▲
2024 · 42.1%
Interest coverage
565.31▲
2024 · 563.54
Debt
€74k▼
2024 · €139k
Debt ≤ 1 year
€74k▼
2024 · €139k
Income taxes
€16k▲
2024 · €16k
A ratio outside any meaningful range has been withheld (balance sheet total €80k, equity €6k).
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€145k€80k▼
Fixed assets21/28€12k€11k▼
Tangible fixed assets22/27€12k€11k▼
Land and buildings22€11k€9k▼
Plant, machinery and equipment23€1k€2k▲
Current assets29/58€132k€69k▼
Amounts receivable within one year40/41€14k€37k▲
Trade receivables40€14k€36k▲
Other amounts receivable41€823€1k▲
Cash at bank and in hand54/58€116k€30k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€145k€80k▼
Equity10/15€6k€6k=
Contributions10/11€6k€6k=
Reserves13€0-
Distributable reserves133€0-
Profit (loss) carried forward14€0€0=
Amounts payable17/49€139k€74k▼
Amounts payable within one year42/48€139k€74k▼
Trade debts44€2k€799▼
Suppliers440/4€2k€799▼
Taxes, remuneration and social security45€30k€21k▼
Taxes450/3€30k€21k▼
Other amounts payable47/48€107k€53k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€853€1k▲
Gross operating margin9900€80k€82k▲
Operating profit (loss)9901€77k€78k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€141€143▲
Recurring financial charges65€141€143▲
Profit (loss) for the period before taxes9903€77k€78k▲
Income taxes67/77€16k€16k▲
Profit (loss) for the period9904€61k€62k▲
Profit (loss) for the period to be appropriated9905€61k€62k▲
Appropriation of the result
Profit (loss) to be appropriated9906€61k€62k▲
Transfer from equity791/2€65k€0▼
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7€126k€62k▼
Return on contributions (dividend)694€126k€62k▼
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
03-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €176k ▲44.3%
3 profitable years in a row build equity to €176k.
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €52k ▼22.2%
Net result drops to €52k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €122k ▲71%
2 profitable years in a row build equity to €122k.
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Laarne · 1 establishment unit since 2019
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Maanbeekstraat 69270 LaarneGround area
655 m²
Building footprint
158 m²
Volume, LiDAR
571 m³
Parcel 42010B1397/00B000, Flanders · tallest building 4.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
FINGENI
since 20192.291.040.327
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42010B1397/00B000 | Flanders | 655 m² | 1 · 158 m² | 4.8 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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GFX Biocapital
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PREMIUM BUSINESS SERVICES
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DIAN
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,574. 17,386 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-07-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.