FINGERTIP
ActiveSummary
FINGERTIP has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €289k and a net result of €57k. Equity is growing by ~31% per year across the filed fiscal years. Its solvency ranks better than 83% of 37956 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability90▼-10
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 2.91 against 2.42 in 2023; short-term debt: 14.3% and cash: 5.9% of total assets), and 14.3% of the assets are financed with debt.
Credit advice 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
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-06-2025, 52 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
52 d early
2023
38 d early
2022
27 d early
2021
41 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€289k▲ 6.4%
2023 · €271k
2021: €102k
2022: €191k
2023: €271k
2021 → 2024
Total assets
€337k▲ 8.1%
2023 · €312k
2021: €171k
2022: €254k
2023: €312k
2021 → 2024
Net result
€57k▼ 27.3%
2023 · €79k
2021: €101k
2022: €89k
2023: €79k
2021 → 2024
Working capital
€92k▲ 60.8%
2023 · €57k
2021: €100k
2022: €154k
2023: €57k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€102k-€191k▲ 87.4%€271k▲ 42.3%€289k▲ 6.4%
Operating result€128k-€113k▼ 12.2%€107k▼ 5.2%€88k▼ 17.3%
Net result€101k-€89k▼ 11.7%€79k▼ 11.3%€57k▼ 27.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2024 is 17% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €337k
Fixed assets
€196k ▼ 8.2%
Current assets
€141k ▲ 43.9%
Equity and liabilities €337k
Equity
€289k ▲ 6.4%
Debt
€48k ▲ 19.7%
Debt's share of the balance-sheet total rises from 12.9% to 14.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€107k▼
2023 · €121k
Cash flow
€76k▼
2023 · €94k
Current ratio
2.91▲
2023 · 2.42
Debt to equity
0.17▲
2023 · 0.15
ROE
19.9%▼
2023 · 29.1%
ROA
17.0%▼
2023 · 25.3%
Interest coverage
949.27▼
2023 · 1006.88
Debt ≤ 1 year
€48k▲
2023 · €40k
Income taxes
€32k▲
2023 · €28k
Staff costs
€25k▲
2023 · €23k
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 · 2024 against 2023 · 43 lines
Balance sheet
Code20232024
Assets
Total assets20/58€312k€337k▲
Fixed assets21/28€214k€196k▼
Tangible fixed assets22/27€214k€196k▼
Land and buildings22€114k€108k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€98k€87k▼
Current assets29/58€98k€141k▲
Amounts receivable within one year40/41€46k€43k▼
Trade receivables40€33k€43k▲
Other amounts receivable41€13k€0▼
Current investments50/53€11k€73k▲
Cash at bank and in hand54/58€38k€20k▼
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€312k€337k▲
Equity10/15€271k€289k▲
Contributions10/11€1k€1k=
Profit (loss) carried forward14€270k€288k▲
Amounts payable17/49€40k€48k▲
Amounts payable within one year42/48€40k€48k▲
Trade debts44€412€3k▲
Suppliers440/4€412€3k▲
Taxes, remuneration and social security45€40k€46k▲
Taxes450/3€36k€41k▲
Remuneration and social security454/9€4k€5k▲
Other amounts payable47/48-€108
Income statement
Code20232024
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€23k€25k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€18k▲
Other operating charges640/8€21k€3k▼
Gross operating margin9900€165k€135k▼
Operating profit (loss)9901€107k€88k▼
Financial income75/76B-€2k
Recurring financial income75-€2k
Financial charges65/66B€121€112▼
Recurring financial charges65€121€112▼
Profit (loss) for the period before taxes9903€107k€90k▼
Income taxes67/77€28k€32k▲
Profit (loss) for the period9904€79k€57k▼
Profit (loss) for the period to be appropriated9905€79k€57k▼
Appropriation of the result
Profit (loss) to be appropriated9906€270k€328k▲
Profit (loss) brought forward from the previous period14P€191k€270k▲
Profit to be distributed694/7-€40k
Return on contributions (dividend)694-€40k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
09-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €57k ▼27.3%
Net result drops to €57k, the lowest in the series.
23-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €271k ▲42.3%
3 profitable years in a row build equity to €271k.
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €191k ▲87.4%
2 profitable years in a row build equity to €191k.
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · 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, Montigny-le-Tilleul · 1 establishment unit since 2020
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.
Rue des Mulets 136111 Montigny-le-TilleulGround area
1,083 m²
Building footprint
108 m²
Volume, LiDAR
795 m³
Parcel 52037B0409/00B000, Wallonia · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FINGERTIP
since 20202.307.130.251
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52037B0409/00B000 | Wallonia | 1,083 m² | 1 · 108 m² | 9.8 m · 2 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
HVB
BE 0775.638.031
Oud-Heverlee · Eq €288,650
van Oosterhout Management
BE 0506.947.239
Turnhout · Eq €288,647
MERCHE et NISSEN
BE 0456.336.005
Fernelmont · Eq €288,635
ROLOUMA CONSULT
BE 0786.642.086
Bernissart · Eq €288,616
ICARIS
BE 0745.430.845
Esneux · Eq €288,751
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 38,356 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-09-2020
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
68201Renting and operating of own or leased residential real estate, excluding social housing
73300Public relations and communication consultancy
77110Renting and leasing of cars and light motor vehicles
82910Office administrative, office support and other business support activities
85592Vocational training
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.