FINGEST
ActiveSummary
FINGEST has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €443k and a net result of €10k. Equity is growing by ~17.2% per year across the filed fiscal years. Its solvency ranks better than 66% of 7780 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability71▼-1
Solvency93▲+4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 3.66 against 3.3 in 2024; short-term debt: 13.8% and cash: 0.7% of total assets), and 32.1% of the assets are financed with debt.
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Signals
Six 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 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young 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
67.9%
Return on assets
1.6%
Age of the figures
9 mo
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 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
21 d early
2023
15 d early
2022
44 d early
2021
45 d early
2020
100 d early
2019
34 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
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Accepting this client? The AML file with identity, beneficial owners and sanctions lists.AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Roughly what is this company worth?Value indication
Financials · fiscal year 2025, micro schema
Equity
€443k▼ 6.3%
2024 · €473k
Total assets
€653k▼ 12.0%
2024 · €742k
Net result
€10k▼ 40.0%
2024 · €17k
Working capital
€240k▼ 15.3%
2024 · €283k
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€62k▲ 34.0%€67k▲ 7.7%€290k▲ 331%€11k▼ 96.0%€7k▼ 36.2%
Net result€37k▲ 46.5%€44k▲ 18.5%€216k▲ 391%€17k▼ 92.1%€10k▼ 40.0%
Equity€237k▲ 18.6%€281k▲ 18.6%€466k▲ 65.6%€473k▲ 1.5%€443k▼ 6.3%
Total assets€702k▲ 0.1%€720k▲ 2.5%€811k▲ 12.6%€742k▼ 8.6%€653k▼ 12.0%
Debt€465k▼ 7.3%€439k▼ 5.6%€345k▼ 21.3%€269k▼ 22.2%€209k▼ 22.1%
Working capital€121k▲ 23.7%€104k▼ 14.1%€294k▲ 182%€283k▼ 3.8%€240k▼ 15.3%
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 two years in a row; 2025 is 36% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €653k
Fixed assets
€323k ▼ 3.8%
Current assets
€330k ▼ 18.8%
Equity and liabilities €653k
Equity
€443k ▼ 6.3%
Debt
€209k ▼ 22.1%
Debt's share of the balance-sheet total falls from 36.2% to 32.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€20k▼
2024 · €24k
Cash flow
€23k▼
2024 · €30k
Current ratio
3.66▲
2024 · 3.30
Debt to equity
0.47▼
2024 · 0.57
ROE
2.3%▼
2024 · 3.6%
ROA
1.6%▼
2024 · 2.3%
Interest coverage
10.15▼
2024 · 10.35
Debt ≤ 1 year
€90k▼
2024 · €123k
Debt > 1 year
€119k▼
2024 · €146k
Income taxes
€4k▼
2024 · €6k
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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €28k | €30k | €2k | €13k | €13k | = |
| Other operating charges640/8 | €5k | €4k | €10k | €2k | €2k | ▲ 3.2% |
| Gross operating margin9900 | €95k | €102k | €302k | €26k | €22k | ▼ 15.6% |
| Operating profit (loss)9901 | €62k | €67k | €290k | €11k | €7k | ▼ 36.2% |
| Financial income75/76B | €1 | - | €4k | €14k | €9k | ▼ 37.9% |
| Recurring financial income75 | €1 | - | €4k | €14k | €9k | ▼ 37.9% |
| Financial charges65/66B | €12k | €11k | €18k | €2k | €2k | ▼ 15.5% |
| Recurring financial charges65 | €12k | €11k | €18k | €2k | €2k | ▼ 15.5% |
| Profit (loss) for the period before taxes9903 | €50k | €56k | €276k | €23k | €14k | ▼ 39.4% |
| Income taxes67/77 | €13k | €12k | €60k | €6k | €4k | ▼ 37.7% |
| Profit (loss) for the period9904 | €37k | €44k | €216k | €17k | €10k | ▼ 40.0% |
| Profit (loss) for the period to be appropriated9905 | €37k | €44k | €216k | €17k | €10k | ▼ 40.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €702k | €720k | €811k | €742k | €653k | ▼ 12.0% |
| Fixed assets21/28 | €507k | €525k | €348k | €335k | €323k | ▼ 3.8% |
| Tangible fixed assets22/27 | €507k | €525k | €348k | €335k | €323k | ▼ 3.8% |
| Land and buildings22 | €505k | €484k | €308k | €303k | €297k | ▼ 1.9% |
| Furniture and vehicles24 | €1k | €19k | €18k | €13k | €9k | ▼ 35.3% |
| Other tangible fixed assets26 | - | €23k | €22k | €20k | €17k | ▼ 12.8% |
| Current assets29/58 | €196k | €195k | €463k | €406k | €330k | ▼ 18.8% |
| Amounts receivable within one year40/41 | €7k | - | €2k | - | - | - |
| Trade receivables40 | €7k | - | - | - | - | - |
| Other amounts receivable41 | - | - | €2k | - | - | - |
| Current investments50/53 | €150k | €180k | €415k | €400k | €325k | ▼ 18.7% |
| Cash at bank and in hand54/58 | €38k | €15k | €46k | €6k | €5k | ▼ 21.8% |
| Deferred charges and accrued income490/1 | €525 | €577 | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €702k | €720k | €811k | €742k | €653k | ▼ 12.0% |
| Equity10/15 | €237k | €281k | €466k | €473k | €443k | ▼ 6.3% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Capital10 | €19k | €19k | €19k | €19k | - | - |
| Issued capital100 | €19k | €19k | €19k | €19k | - | - |
| Reserves13 | €52k | €52k | €52k | €42k | €2k | ▼ 95.6% |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | €50k | €50k | €50k | €40k | - | - |
| Profit (loss) carried forward14 | €167k | €211k | €395k | €412k | €423k | ▲ 2.5% |
| Amounts payable17/49 | €465k | €439k | €345k | €269k | €209k | ▼ 22.1% |
| Amounts payable after more than one year17 | €391k | €348k | €177k | €146k | €119k | ▼ 18.1% |
| Financial debts170/4 | €391k | €348k | €177k | €146k | €119k | ▼ 18.1% |
| Amounts payable within one year42/48 | €74k | €91k | €169k | €123k | €90k | ▼ 26.9% |
| Current portion of amounts payable after more than one year42 | €42k | €43k | €31k | €31k | €26k | ▼ 15.5% |
| Trade debts44 | €3k | €6k | €11k | €8k | €9k | ▲ 5.0% |
| Suppliers440/4 | €3k | €6k | €11k | €8k | €9k | ▲ 5.0% |
| Taxes, remuneration and social security45 | €28k | €39k | €82k | €67k | €13k | ▼ 80.4% |
| Taxes450/3 | €28k | €39k | €77k | €67k | €13k | ▼ 80.4% |
| Remuneration and social security454/9 | - | - | €5k | - | - | - |
| Other amounts payable47/48 | €2k | €3k | €45k | €17k | €42k | ▲ 148% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €37k | €44k | €216k | €17k | €10k | ▼ 40.0% |
| + Depreciation and write-downs630 | €28k | €30k | €2k | €13k | €13k | = |
| Operating cash flow (approximation) | €65k | €74k | €218k | €30k | €23k | ▼ 22.9% |
| Investment in fixed assets (approximation) | - | €-48k | €175k | €0 | €0 | - |
| Change in cash | - | €-24k | €32k | €-40k | €-1k | ▲ 96.7% |
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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €10k ▼40%
Net result drops to €10k, the lowest in the series.
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €216k ▲391%
Operating result €290k, net result €216k, both a record.
17-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
16-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €237k ▲18.6%
4 profitable years in a row build equity to €237k.
22-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
03-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 34 days late
2019
10-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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.
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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, Anderlecht · 2 establishment units since 2002
Ground area
720 m²
Building footprint
190 m²
Volume, LiDAR
1,033 m³
2 parcels, Brussels, Flanders · tallest building 17.9 m, ±5 floors. Linked by address, not a title deed.
6
companies at this address
See who is registered here
2 establishment units
FINGEST
since 20022.115.145.475
FINGEST
since 20232.343.370.441
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22005A0306/00T000 | Flanders | 606 m² | 1 · 122 m² | 3.9 m |
| 21302A0066/00L002 | Brussels | 114 m² | 1 · 68 m² | 17.9 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels 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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IBOO ESTATE
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BE 0867.305.209
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Frannita
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ACTIVOS
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Wuustwezel · Eq €440k
Of 11,220 companies in sector 82100 we hold annual accounts for 3,511. 2,071 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
Founded05-11-2002
Fiscal year end31-12
Activities, NACEBEL 2025
82100Office administrative and support services
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.