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FINKEY CONSULTANTS

Active
Private limited companyfounded 20251 yr activeHoge Buizemont 174, 9500 Geraardsbergen, BelgiumKBO/BCE: BE 1019.447.828
Summary

FINKEY CONSULTANTS has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €26,508 and a net result of €22,508. Its solvency ranks better than 66% of 12829 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Checked score

Score 2025
Axes
Profitability100
Solvency96
Growth-
Track record67
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,000 at 30 days acceptable
Liquidity ample (current ratio 3.47; short-term debt: 28.9% and cash: 3.6% of total assets), and 28.9% of the assets are financed with debt.
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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 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
71.1%
Return on assets
60.4%
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 31-07-2026, 0 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
on the day
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 31 January 2025, FINKEY CONSULTANTS was incorporated as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€26,508
Total assets
€37,258
Net result
€22,508
Working capital
€26,508

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Equity and liabilities €37,258
Equity €26,508
Debt €10,750
Debt finances 28.9% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€29,556
Cash flow
€23,813
Current ratio
3.47
Debt to equity
0.41
ROE
84.9%
ROA
60.4%
Interest coverage
253.33
Debt ≤ 1 year
€10,750
Income taxes
€5,627

Peer companies

Historical observation

Of the 11,280 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 97% are still going.

  • Micro
  • under 2 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
0.7% went bankrupt
2.6% stopped otherwise
97% still going

For this company itself Checked computes a bankruptcy probability of 0.2% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.9%
9 3.0% 3.1%
10 5.6% 6.2%

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 11,280 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
Filed annual accounts As filed with the NBB · 2025 · 29 lines
Balance sheet Code2025
Assets
Total assets20/58€37,258
Current assets29/58€37,258
Amounts receivable within one year40/41€35,921
Trade receivables40€35,921
Cash at bank and in hand54/58€1,336
Equity and liabilities
Total equity and liabilities10/49€37,258
Equity10/15€26,508
Contributions10/11€4,000
Reserves13€22,508
Distributable reserves133€22,508
Amounts payable17/49€10,750
Amounts payable within one year42/48€10,750
Trade debts44€67
Suppliers440/4€67
Taxes, remuneration and social security45€10,683
Taxes450/3€10,683
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,305
Other operating charges640/8€400
Gross operating margin9900€29,956
Operating profit (loss)9901€28,251
Financial charges65/66B€117
Recurring financial charges65€117
Profit (loss) for the period before taxes9903€28,135
Income taxes67/77€5,627
Profit (loss) for the period9904€22,508
Profit (loss) for the period to be appropriated9905€22,508
Appropriation of the result
Profit (loss) to be appropriated9906€22,508
Transfer to equity691/2€22,508
To other reserves6921€22,508

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,305
Other operating charges640/8€400
Gross operating margin9900€29,956
Operating profit (loss)9901€28,251
Financial charges65/66B€117
Recurring financial charges65€117
Profit (loss) for the period before taxes9903€28,135
Income taxes67/77€5,627
Profit (loss) for the period9904€22,508
Profit (loss) for the period to be appropriated9905€22,508
Line2025
Assets
Total assets20/58€37,258
Current assets29/58€37,258
Amounts receivable within one year40/41€35,921
Trade receivables40€35,921
Cash at bank and in hand54/58€1,336
Equity and liabilities
Total equity and liabilities10/49€37,258
Equity10/15€26,508
Contributions10/11€4,000
Reserves13€22,508
Distributable reserves133€22,508
Amounts payable17/49€10,750
Amounts payable within one year42/48€10,750
Trade debts44€67
Suppliers440/4€67
Taxes, remuneration and social security45€10,683
Taxes450/3€10,683
Line2025
Profit (loss) for the period9904€22,508
+ Depreciation and write-downs630€1,305
Operating cash flow (approximation)€23,813

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
31-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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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, Geraardsbergen · 1 establishment unit since 2025
seat establishment The establishment unit on the map
Ground area
860 m²
Building footprint
323 m²
Volume, LiDAR
1,334 m³
Parcel 41056B0417/00M000, Flanders · tallest building 8.1 m, ±1 floor. Linked by address, not a title deed.
3 companies at this address See who is registered here
1 establishment unit
FINKEY CONSULTANTS
Hoge Buizemont 174, 9500 GeraardsbergenCertified accountants and tax accountants
since 20252.370.415.625
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
41056B0417/00M000 Flanders 860 m² 1 · 322 m² 8.1 m · 1 fl.
Linked by address, not proof of ownership
Good to know
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

Of 12,174 companies in sector 69201 we hold annual accounts for 7,641. 4,934 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
Founded31-01-2025
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
E-invoicing
Reachable via Peppol
Peppol ID 0208:1019447828
Also 9925:BE1019447828
Registered 01-12-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 29 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.