Checked.be
Active
BE 0462.571.719Private limited company
FINGER
Rue Valise, Nodebais 3b ·1320 Beauvechain, Belgium· 28 yrs active
Sector: Motion picture, video and television programme production, sound recording and music publishing activities
(59203)
Conclusion
FINGER has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €93k and a net result of €-21k. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 22% of 1461 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Based on the State Gazette, CBE and 5 annual accounts.
Key figures
| Equity | €93k |
| Net result | €-21k |
| Better than sector | 22% |
| Active | 28 yrs |
Financial profile
32
/ 100
Fragile profile, watch profitability in particular.
All 5 axes are computed from data Checked has read.
Health
2
Profitability
0
Solvency
6
Growth
52
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Long-established
Founded in 1998, 28 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
2
/ 100
Critical
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
No credit
negative equity or figures too weak
Score history
50
2021
56
2022
31
2023
15
2024
2
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 0.30 (< 1.0)
-10
Quick ratio
Quick ratio 0.30 (< 0.6)
-5
Leverage
Debt/equity 10.69 (> 3.0)
-10
Profitability
Negatieve ROE -23%
-10
Interest coverage
Interest coverage 1.1× (< 1.5×)
-10
Profit trend
Net profit down YoY
-3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 25-03-2026 with the NBB · fiscal year 2025 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
stable
Equity: stable across 5 fiscal years (±2.1%/year).
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 59, Motion picture, video and television programme production, sound recording and music publishing activities · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 8.6% | 49.3% | |
| Net result | €-21k | €6k | |
| Equity | €93k | €45k | |
| Gross operating margin | €120k | €23k | |
| Total assets | €1.08M | €103k |
€39k
-50.9%
21-25
€-21k
-992.2%
21-25
€11k
-72.1%
21-25
€1.08M
-1.3%
21-25
€93k
-18.4%
21-25
€-388k
-41.2%
21-25
€-95
-
21-25
€3k
-24.7%
21-25
€991k
+0.6%
21-25
€557k
+12.7%
21-25
€434k
-11.6%
21-25
0.30
-31.6%
21-25
0.30
-31.6%
21-25
8.6%
-17.3%
21-25
10.69
+23.4%
21-25
-22.6%
-1238.8%
21-25
-1.9%
-1007.0%
21-25
1.15
-47.7%
21-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - | - |
| EBITDA | €39k | €79k | €84k | €95k | €58k |
| Net profit | €-21k | €-2k | €6k | €28k | €10k |
| Cash flow | €11k | €39k | €46k | €62k | €39k |
| Staff costs | - | - | €-95 | - | - |
| Income taxes | €3k | €4k | €2k | €15k | €4k |
| Dividends | - | - | - | - | - |
| Total assets | €1.08M | €1.10M | €918k | €476k | €399k |
| Equity | €93k | €114k | €115k | €110k | €82k |
| Debt | €991k | €984k | €802k | €367k | €317k |
| of which ≤ 1y | €557k | €494k | €317k | €181k | €88k |
| of which > 1y | €434k | €490k | €486k | €185k | €229k |
| Working capital | €-388k | €-274k | €-176k | €-13k | €-7k |
| Employees (FTE) | - | - | - | - | - |
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Current ratio | 0.30 | 0.44 | 0.45 | 0.93 | 0.92 |
| Quick ratio | 0.30 | 0.44 | 0.45 | 0.93 | 0.92 |
| Working capital ratio | -35.8% | -25.0% | -19.1% | -2.8% | -1.8% |
| Solvency | 8.6% | 10.3% | 12.6% | 23.0% | 20.5% |
| Debt / equity | 10.69 | 8.67 | 6.95 | 3.34 | 2.80 |
| Long-term debt ratio | 4.68 | 4.32 | 4.21 | 1.69 | 2.80 |
| Interest coverage | 1.15 | 2.19 | 2.31 | 5.23 | - |
| Gross margin | - | - | - | - | - |
| Net margin | - | - | - | - | - |
| ROA | -1.9% | -0.2% | 0.6% | 5.9% | 2.5% |
| ROE | -22.6% | -1.7% | 5.0% | 25.5% | 12.4% |
| EBITDA margin | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - |
| Days inventory (DSI) | - | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (23 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €1.08M | €1.10M | €918k | €476k | €399k |
| Fixed assets | 21/28 | €914k | €878k | €777k | €308k | €318k |
| Tangible fixed assets | 22/27 | €914k | €851k | €750k | €281k | €291k |
| Financial fixed assets | 28 | €113 | €27k | €27k | €27k | €27k |
| Current assets | 29/58 | €169k | €220k | €141k | €168k | €81k |
| Amounts receivable within one year | 40/41 | €167k | €123k | €137k | €158k | €77k |
| Cash & bank | 54/58 | €2k | €93k | - | €6k | - |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €1.08M | €1.10M | €918k | €476k | €399k |
| Equity | 10/15 | €93k | €114k | €115k | €110k | €82k |
| Contributions / capital | 10/11 | €6k | €6k | €6k | €6k | - |
| Reserves | 13 | €86k | €107k | €109k | €103k | €75k |
| Amounts payable | 17/49 | €991k | €984k | €802k | €367k | €317k |
| Amounts payable after one year | 17 | €434k | €490k | €486k | €185k | €229k |
| Amounts payable within one year | 42/48 | €557k | €494k | €317k | €181k | €88k |
| Trade debts payable within one year | 44 | €128k | €65k | €129k | €11k | €9k |
| Income statement | ||||||
| Gross operating margin | 9900 | €120k | €84k | €110k | €97k | €88k |
| Operating result | 9901 | €7k | €38k | €44k | €61k | €29k |
| Financial income | 75 | €9k | - | - | - | €1 |
| Financial charges | 65 | €34k | €36k | €36k | €18k | €16k |
| Result before taxes | 9903 | €-18k | €2k | €8k | €43k | €14k |
| Income taxes | 67/77 | €3k | €4k | €2k | €15k | €4k |
| Net result for the period | 9904 | €-21k | €-2k | €6k | €28k | €10k |
| Result to be appropriated | 9905 | €-21k | €-2k | €6k | €28k | €10k |
Legal Structure
| NACE primary | Motion picture, video and television programme production, sound recording and music publishing activities(59203) |
| Legal form | Private limited company(610) |
| Incorporation | 30-01-1998 |
| Status | Active |
| Postal code | 1320 |
Establishment units
Rue Valise, Nodebais 3 B, 1320 Beauvechain
since 20032.122.662.876
RALPH & ROXY'S - Leuven
since 20262.387.950.057
Real-estate footprint
Flanders
1
(33.3%)
Wallonia
2
(66.7%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25073A0019/00G000 | Wallonia | 3,440 m² | 1 · 129 m² | 8.5 m · 2 fl. |
| 25073A0017/00P000 | Wallonia | 206 m² | 1 · 78 m² | 8.0 m · 2 fl. |
| 24504E0536/00N000 | Flanders | 69 m² | - | - |
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates
Next filing, fiscal year 2026, expected by
2026
25-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €-21k
Net result drops to €-21k, the lowest in the series.
17-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
11-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
14-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Highest result since 2021net €28k ▲176%
Operating result €61k, net result €28k, both a record.
30-09
Financial
Equity above €100kEq €110k ▲34.2%
2 profitable years in a row build equity to €110k.
02-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
05-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
26-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Manufacture of food products1052022140Motion picture, video and television programme production, sound recording and music publishing activities59203Land surveying71122
Names & trade names
| Legal nameFR | FINGER |
| Trade nameFR | RALPH & ROXY'S |
Similar companies
KRISTIAAN DEBUSSCHER
BE 0453.269.914 · Sint-Genesius-Rode
Alamire Academic Press
BE 0438.376.751 · Leuven
Brauer
BE 0403.488.722 · Brussel
NAIRAM MUSIC
BE 0441.116.111 · Sint-Gillis (bij-Brussel)
SXUPER
BE 0783.231.547 · Elsene