FINIKA
ActiveFINIKA has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €138k and a net result of €17k. Equity is growing by ~20.3% per year across the filed fiscal years. Its solvency ranks better than 90% of 27386 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability61▼-14
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 5.37 against 14.37 in 2024), and 13.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
86.1%
Return on assets
10.5%
Age of the figures
8 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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
31 d early
2023
33 d early
2022
20 d early
2021
31 d early
2020
19 d late
2019
9 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€138k▲ 13.9%
2024 · €122k
2018: €37k
2019: €32k
2020: €44k
2021: €73k
2022: €91k
2023: €103k
2024: €122k
2018 → 2025
Total assets
€161k▲ 25.1%
2024 · €129k
2018: €46k
2019: €32k
2020: €55k
2021: €79k
2022: €92k
2023: €106k
2024: €129k
2018 → 2025
Net result
€17k▼ 7.0%
2024 · €18k
2018: €5k
2019: €-5k
2020: €12k
2021: €29k
2022: €17k
2023: €13k
2024: €18k
2018 → 2025
Working capital
€98k▲ 4.8%
2024 · €93k
2018: €34k
2019: €32k
2020: €36k
2021: €50k
2022: €68k
2023: €93k
2024: €93k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€73k-€91k▲ 23.9%€103k▲ 14.2%€122k▲ 17.5%€138k▲ 13.9%
Operating result€42k-€27k▼ 35.1%€18k▼ 34.5%€27k▲ 50.4%€23k▼ 12.8%
Net result€29k-€17k▼ 40.1%€13k▼ 26.6%€18k▲ 41.2%€17k▼ 7.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 13% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €161k
Fixed assets
€40k▲ 44.0%
Current assets
€120k▲ 19.8%
Equity and liabilities €161k
Equity
€138k▲ 13.9%
Debt
€22k▲ 220%
The debt ratio rises from 5.4% to 13.9%: debt grows faster than equity.
Key figures and ratios
EBITDA
€37k▲
2024 · €36k
Cash flow
€30k▲
2024 · €28k
Solvency
86.1%▼
2024 · 94.6%
Current ratio
5.37▼
2024 · 14.37
Quick ratio
5.37▼
2024 · 14.37
Debt / equity
0.16▲
2024 · 0.06
ROE
12.2%▼
2024 · 14.9%
ROA
10.5%▼
2024 · 14.1%
Interest coverage
308.56▲
2024 · 306.70
Debt
€22k▲
2024 · €7k
Debt ≤ 1 year
€22k▲
2024 · €7k
Income taxes
€6k▼
2024 · €8k
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€129k€161k▲
Fixed assets21/28€28k€40k▲
Tangible fixed assets22/27€28k€40k▲
Plant, machinery and equipment23€285€81▼
Furniture and vehicles24€28k€40k▲
Current assets29/58€100k€120k▲
Amounts receivable within one year40/41€69k€85k▲
Trade receivables40€67k€85k▲
Other amounts receivable41€3k€484▼
Cash at bank and in hand54/58€26k€25k▼
Deferred charges and accrued income490/1€5k€10k▲
Equity and liabilities
Total equity and liabilities10/49€129k€161k▲
Equity10/15€122k€138k▲
Contributions10/11€19k€19k=
Reserves13€103k€120k▲
Distributable reserves133€103k€120k▲
Profit (loss) carried forward14€381€0▼
Amounts payable17/49€7k€22k▲
Amounts payable within one year42/48€7k€22k▲
Trade debts44€3k€16k▲
Suppliers440/4€3k€16k▲
Taxes, remuneration and social security45€4k€2k▼
Taxes450/3€204€2k▲
Remuneration and social security454/9€4k€0▼
Other amounts payable47/48€291€4k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€13k▲
Other operating charges640/8€504€465▼
Gross operating margin9900€37k€37k▲
Operating profit (loss)9901€27k€23k▼
Financial charges65/66B€119€119=
Recurring financial charges65€119€119=
Profit (loss) for the period before taxes9903€27k€23k▼
Income taxes67/77€8k€6k▼
Profit (loss) for the period9904€18k€17k▼
Profit (loss) for the period to be appropriated9905€18k€17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€19k€17k▼
Profit (loss) brought forward from the previous period14P€381€381=
Transfer to equity691/2€18k€17k▼
To other reserves6921€18k€17k▼
The notes to these accounts (8 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €103k ▲14.2%
4 profitable years in a row build equity to €103k.
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity times 7current ratio 67.58
Current ratio from 9.41 to 67.58; short-term debt falls from €6k to €1k.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €29k ▲143%
Operating result €42k, net result €29k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 9.41
Current ratio from 4.25 to 9.41; short-term debt falls from €11k to €6k.
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 19 days late
2020
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-5k ▼200%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 408current ratio 1992.88
Current ratio from 4.89 to 1992.88; short-term debt falls from €9k to €16.
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-07
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.
Directors · office · real estate
Directors
4 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, Asse · 1 establishment unit since 2009
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.
Terlindenweg 1381730 AsseGround area
3,070 m²
Building footprint
202 m²
Volume, LiDAR
1,210 m³
Parcel 23322E0549/00V000, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Terlindenweg 138, 1730 Asse
since 20092.175.886.974
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23322E0549/00V000 | Flanders | 3,070 m² | 1 · 202 m² | 9.4 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
Vandenbergh
BE 0438.213.930
Holsbeek · Eq €138k
DECORATIE EN SERVICE
BE 0419.612.694
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CMZA
BE 0413.561.973
Knokke-Heist · Eq €138k
PARQUETS DUGO
BE 0446.626.008
Jette · Eq €139k
DAN PARKET+
BE 0837.532.840
Ledegem · Eq €140k
Of 739 companies in sector 43332 we hold annual accounts for 408. 349 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-01-2009
Fiscal year end31-12
Activities, NACEBEL
43332Laying of wooden floor and wall coverings
43333Wallpapering and laying of floor and wall coverings in other materials
43341Painting of buildings
43350Other building finishing work
81210General cleaning of buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.