FINIAC
ActiveSummary
FINIAC has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20,460 and a net result of €200,004. Equity is growing by ~21.6% per year across the filed fiscal years. Its solvency ranks better than 12% of 12761 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency33▼-49
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity short (current ratio 0.56 against 0.76 in 2024; short-term debt: 92% and cash: 42% of total assets), and 92% of the assets are financed with debt.
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Signals
Five 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 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
8%
Return on assets
78.6%
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 12% of 12761 sector peers (2025).
NBB · sector comparisonPosition among 12761 sector peers
Solvency
better than 12%
← 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 04-03-2026, 149 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
149 d early
2024
58 d early
2023
22 d early
2022
30 d late
2021
31 d late
2020
30 d late
2019
55 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 12 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€20,460▼ 82.9%
2024 · €119,795
Total assets
€254,391▲ 21.7%
2024 · €209,061
Net result
€200,004▲ 155%
2024 · €78,285
Working capital
-€102,332▼ 372%
2024 · -€21,674
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€30,122▼ 7.6%€62,036▲ 106%€77,720▲ 25.3%€105,677▲ 36.0%€240,724▲ 128%
Net result€24,900▼ 17.0%€45,658▲ 83.4%€35,129▼ 23.1%€78,285▲ 123%€200,004▲ 155%
Equity€139,637▲ 20.9%€184,495▲ 32.1%€218,025▲ 18.2%€119,795▼ 45.1%€20,460▼ 82.9%
Total assets€179,244▲ 27.7%€202,015▲ 12.7%€257,307▲ 27.4%€209,061▼ 18.8%€254,391▲ 21.7%
Debt€39,607▲ 59.3%€17,519▼ 55.8%€39,282▲ 124%€89,266▲ 127%€233,931▲ 162%
Working capital-€9,242▼ 70.5%€41,848€57,879▲ 38.3%-€21,674-€102,332▼ 372%
Turnover and EBIT margin not published: the micro schema does not require them.
Why a figure moved sharply
- 2025 Net result +155% on 2024. Cause not known from the registers.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 128% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €254,391
Fixed assets
€122,792 ▼ 13.2%
Current assets
€131,599 ▲ 94.7%
Equity and liabilities €254,391
Equity
€20,460 ▼ 82.9%
Debt
€233,931 ▲ 162%
Debt's share of the balance-sheet total rises from 42.7% to 92.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€259,401▲
2024 · €124,354
Cash flow
€218,681▲
2024 · €96,962
Current ratio
0.56▼
2024 · 0.76
Debt to equity
11.43▲
2024 · 0.75
ROE
977.5%▲
2024 · 65.3%
ROA
78.6%▲
2024 · 37.4%
Interest coverage
1101.35▲
2024 · 179.17
Debt ≤ 1 year
€233,931▲
2024 · €89,266
Income taxes
€40,700▲
2024 · €27,942
Staff costs
€0▼
2024 · €380
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,151 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.
- Micro
- 5 to 10 years old
- solvency under 10%
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,151 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €2,088 | €0 | €629 | €380 | €0 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,913 | €13,691 | €15,264 | €18,677 | €18,677 | = |
| Other operating charges640/8 | €705 | €800 | €11,722 | €1,041 | €310 | ▼ 70.2% |
| Gross operating margin9900 | €40,827 | €76,526 | €105,335 | €125,775 | €259,710 | ▲ 106% |
| Operating profit (loss)9901 | €30,122 | €62,036 | €77,720 | €105,677 | €240,724 | ▲ 128% |
| Financial income75/76B | - | - | €347 | €1,244 | €216 | ▼ 82.7% |
| Recurring financial income75 | - | - | €347 | €1,244 | €216 | ▼ 82.7% |
| Financial charges65/66B | €170 | €423 | €2,764 | €694 | €236 | ▼ 66.1% |
| Recurring financial charges65 | €170 | €423 | €2,764 | €694 | €236 | ▼ 66.1% |
| Profit (loss) for the period before taxes9903 | €29,951 | €61,613 | €75,303 | €106,227 | €240,704 | ▲ 127% |
| Income taxes67/77 | €5,051 | €15,955 | €40,173 | €27,942 | €40,700 | ▲ 45.7% |
| Profit (loss) for the period9904 | €24,900 | €45,658 | €35,129 | €78,285 | €200,004 | ▲ 155% |
| Transfer from tax-exempt reserves789 | - | - | - | - | €21,050 | - |
| Transfer to tax-exempt reserves689 | - | €21,050 | €0 | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €24,900 | €24,608 | €35,129 | €78,285 | €221,054 | ▲ 182% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €179,244 | €202,015 | €257,307 | €209,061 | €254,391 | ▲ 21.7% |
| Fixed assets21/28 | €148,878 | €143,800 | €160,146 | €141,469 | €122,792 | ▼ 13.2% |
| Tangible fixed assets22/27 | €148,878 | €143,800 | €160,146 | €141,469 | €122,792 | ▼ 13.2% |
| Plant, machinery and equipment23 | €7,274 | €6,453 | €23,722 | €21,163 | €18,603 | ▼ 12.1% |
| Furniture and vehicles24 | €22,275 | €16,106 | €39,165 | €30,795 | €22,424 | ▼ 27.2% |
| Other tangible fixed assets26 | €119,330 | €121,240 | €97,258 | €89,511 | €81,765 | ▼ 8.7% |
| Current assets29/58 | €30,365 | €58,215 | €97,161 | €67,592 | €131,599 | ▲ 94.7% |
| Amounts receivable within one year40/41 | €21,810 | €31,339 | €11,154 | €25,313 | €24,720 | ▼ 2.3% |
| Trade receivables40 | €21,709 | €23,902 | €9,915 | €21,577 | €20,984 | ▼ 2.7% |
| Other amounts receivable41 | €101 | €7,438 | €1,239 | €3,736 | €3,736 | = |
| Current investments50/53 | - | - | €75,003 | €25,000 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €8,555 | €26,719 | €10,308 | €15,678 | €106,879 | ▲ 582% |
| Deferred charges and accrued income490/1 | - | €157 | €696 | €1,600 | €0 | ▼ 100% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €179,244 | €202,015 | €257,307 | €209,061 | €254,391 | ▲ 21.7% |
| Equity10/15 | €139,637 | €184,495 | €218,025 | €119,795 | €20,460 | ▼ 82.9% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1,860 | €22,910 | €22,910 | €22,910 | €1,860 | ▼ 91.9% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Tax-exempt reserves132 | - | €21,050 | €21,050 | €21,050 | €0 | ▼ 100% |
| Profit (loss) carried forward14 | €119,177 | €142,985 | €176,515 | €78,285 | €0 | ▼ 100% |
| Amounts payable17/49 | €39,607 | €17,519 | €39,282 | €89,266 | €233,931 | ▲ 162% |
| Amounts payable within one year42/48 | €39,607 | €16,367 | €39,282 | €89,266 | €233,931 | ▲ 162% |
| Financial debts43 | €2,054 | €1,931 | €1,713 | €0 | - | - |
| Credit institutions430/8 | €2,054 | €1,931 | €1,713 | €0 | - | - |
| Trade debts44 | €20,507 | €0 | €2,490 | €390 | €52 | ▼ 86.8% |
| Suppliers440/4 | €20,507 | €0 | €2,490 | €390 | €52 | ▼ 86.8% |
| Taxes, remuneration and social security45 | €6,246 | €8,636 | €32,629 | €10,883 | €12,825 | ▲ 17.9% |
| Taxes450/3 | €6,246 | €8,636 | €32,629 | €10,883 | €12,825 | ▲ 17.9% |
| Other amounts payable47/48 | €10,800 | €5,800 | €2,450 | €77,993 | €221,054 | ▲ 183% |
| Accrued charges and deferred income492/3 | - | €1,152 | €0 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €24,900 | €45,658 | €35,129 | €78,285 | €200,004 | ▲ 155% |
| + Depreciation and write-downs630 | €7,913 | €13,691 | €15,264 | €18,677 | €18,677 | = |
| Operating cash flow (approximation) | €32,813 | €59,349 | €50,393 | €96,962 | €218,681 | ▲ 126% |
| Investment in fixed assets (approximation) | - | -€8,612 | -€31,610 | €0 | €0 | - |
| Change in cash | - | €18,164 | -€16,411 | €5,371 | €91,200 | ▲ 1,598% |
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
04-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €200,004 ▲155%
Operating result €240,724, net result €200,004, both a record.
03-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200,000Eq €218,025 ▲18.2%
6 profitable years in a row build equity to €218,025.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Liquidity times 5current ratio 3.56
Current ratio from 0.77 to 3.56; short-term debt falls from €39,607 to €16,367.
31-12
Financial
Equity above €150,000Eq €184,495 ▲32.1%
5 profitable years in a row build equity to €184,495.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Equity above €100,000Eq €115,537 ▲33.8%
3 profitable years in a row build equity to €115,537.
24-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 55 days late
2019
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · 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, Denderleeuw · 2 establishment units since 2018
Ground area
2.9 ha
Building footprint
127 m²
Volume, LiDAR
567 m³
2 parcels, Flanders · tallest building 7.3 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
2 establishment units
FINIAC
since 20182.271.493.639
Finiac
since 20212.315.843.029
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23007B0397/00A000 | Flanders | 2.9 ha | - | - |
| 41076B0656/00K000 | Flanders | 472 m² | 1 · 127 m² | 7.3 m · 1 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 150 EUR awarded · 150 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 150 EUR | 150 EUR |
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Of 12,174 companies in sector 69201 we hold annual accounts for 7,638. 4,447 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
Founded09-01-2018
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
E-invoicing
Reachable via Peppol
Peppol ID
0208:0687675758
Also
9925:BE0687675758
Registered
05-12-2025
Register as of 26 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.