Finloch
ActiveSummary
Finloch has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €228k and a net result of €83k. Equity is growing by ~54.8% per year across the filed fiscal years. Its solvency ranks better than 90% of 17090 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 11.86 against 10.21 in 2024; short-term debt: 8.4% and cash: 30.6% of total assets), and 8.4% of the assets are financed with debt.
Credit check 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 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← 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
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
91.6%
Return on assets
33.3%
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 08-07-2026, 23 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
23 d early
2024
28 d early
2023
23 d early
← 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
Financials · fiscal year 2025, micro schema
Equity
€228k▲ 55.7%
2024 · €147k
2023: €68klowest in 3 years
2024: €147k▲ +117% vs 2023
2025: €228k▲ +55.7% vs 2024highest in 3 years
2023 → 2025
Total assets
€249k▲ 53.4%
2024 · €163k
2023: €84klowest in 3 years
2024: €163k▲ +94.0% vs 2023
2025: €249k▲ +53.4% vs 2024highest in 3 years
2023 → 2025
Net result
€83k▲ 3.0%
2024 · €81k
2023: €59klowest in 3 years
2024: €81k▲ +37.0% vs 2023
2025: €83k▲ +3.0% vs 2024highest in 3 years
2023 → 2025
Working capital
€228k▲ 55.7%
2024 · €147k
2023: €68klowest in 3 years
2024: €147k▲ +117% vs 2023
2025: €228k▲ +55.7% vs 2024highest in 3 years
2023 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€68k-€147k▲ 117%€228k▲ 55.7%
2023: €68klowest in 3 years
2024: €147k▲ +117% vs 2023
2025: €228k▲ +55.7% vs 2024highest in 3 years
Operating result€75k-€104k▲ 37.5%€102k▼ 1.3%
2023: €75klowest in 3 years
2024: €104k▲ +37.5% vs 2023highest in 3 years
2025: €102k▼ -1.3% vs 2024
Net result€59k-€81k▲ 37.0%€83k▲ 3.0%
2023: €59klowest in 3 years
2024: €81k▲ +37.0% vs 2023
2025: €83k▲ +3.0% vs 2024highest in 3 years
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 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €249k
Equity
€228k ▲ 55.7%
Debt
€21k ▲ 32.1%
Debt's share of the balance-sheet total falls from 9.8% to 8.4%. Equity and debt are higher.
Key figures and ratios
Current ratio
11.86▲
2024 · 10.21
Debt to equity
0.09▼
2024 · 0.11
ROE
36.4%▼
2024 · 55.0%
ROA
33.3%▼
2024 · 49.6%
Debt ≤ 1 year
€21k▲
2024 · €16k
Income taxes
€22k▼
2024 · €22k
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 · 2025 against 2024 · 36 lines
Balance sheet
Code20242025
Assets
Total assets20/58€163k€249k▲
Current assets29/58€163k€249k▲
Amounts receivable within one year40/41€19k€21k▲
Trade receivables40€16k€18k▲
Other amounts receivable41€3k€3k=
Current investments50/53€37k€152k▲
Cash at bank and in hand54/58€105k€76k▼
Deferred charges and accrued income490/1€626€626=
Equity and liabilities
Total equity and liabilities10/49€163k€249k▲
Equity10/15€147k€228k▲
Contributions10/11€10k€10k=
Reserves13€137k€218k▲
Distributable reserves133€137k€218k▲
Amounts payable17/49€16k€21k▲
Amounts payable within one year42/48€16k€21k▲
Taxes, remuneration and social security45€7k€7k▲
Taxes450/3€7k€7k▲
Other amounts payable47/48€9k€14k▲
Income statement
Code20242025
Non-recurring operating income76A€1€0▼
Other operating charges640/8€148€150▲
Gross operating margin9900€104k€102k▼
Operating profit (loss)9901€104k€102k▼
Financial income75/76B€909€4k▲
Recurring financial income75€909€4k▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Non-recurring financial charges66B€0-
Profit (loss) for the period before taxes9903€103k€105k▲
Income taxes67/77€22k€22k▼
Profit (loss) for the period9904€81k€83k▲
Profit (loss) for the period to be appropriated9905€81k€83k▲
Appropriation of the result
Profit (loss) to be appropriated9906€81k€83k▲
Transfer to equity691/2€79k€82k▲
To other reserves6921€79k€82k▲
Profit to be distributed694/7€1k€1k▼
Return on contributions (dividend)694€1k€1k▼
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Non-recurring operating income76A | - | €1 | €0 | ▼ 88.3% |
| Other operating charges640/8 | - | €148 | €150 | ▲ 1.4% |
| Gross operating margin9900 | €75k | €104k | €102k | ▼ 1.3% |
| Operating profit (loss)9901 | €75k | €104k | €102k | ▼ 1.3% |
| Financial income75/76B | - | €909 | €4k | ▲ 383% |
| Recurring financial income75 | - | €909 | €4k | ▲ 383% |
| Financial charges65/66B | €233 | €2k | €2k | ▲ 2.0% |
| Recurring financial charges65 | €233 | €2k | €2k | ▲ 2.0% |
| Non-recurring financial charges66B | - | €0 | - | - |
| Profit (loss) for the period before taxes9903 | €75k | €103k | €105k | ▲ 2.0% |
| Income taxes67/77 | €16k | €22k | €22k | ▼ 1.7% |
| Profit (loss) for the period9904 | €59k | €81k | €83k | ▲ 3.0% |
| Profit (loss) for the period to be appropriated9905 | €59k | €81k | €83k | ▲ 3.0% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €84k | €163k | €249k | ▲ 53.4% |
| Current assets29/58 | €84k | €163k | €249k | ▲ 53.4% |
| Amounts receivable within one year40/41 | €17k | €19k | €21k | ▲ 6.6% |
| Trade receivables40 | €17k | €16k | €18k | ▲ 7.8% |
| Other amounts receivable41 | - | €3k | €3k | = |
| Current investments50/53 | - | €37k | €152k | ▲ 306% |
| Cash at bank and in hand54/58 | €66k | €105k | €76k | ▼ 27.5% |
| Deferred charges and accrued income490/1 | €626 | €626 | €626 | = |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €84k | €163k | €249k | ▲ 53.4% |
| Equity10/15 | €68k | €147k | €228k | ▲ 55.7% |
| Contributions10/11 | €10k | €10k | €10k | = |
| Reserves13 | €58k | €137k | €218k | ▲ 59.8% |
| Distributable reserves133 | €58k | €137k | €218k | ▲ 59.8% |
| Amounts payable17/49 | €16k | €16k | €21k | ▲ 32.1% |
| Amounts payable within one year42/48 | €16k | €16k | €21k | ▲ 32.1% |
| Taxes, remuneration and social security45 | €8k | €7k | €7k | ▲ 1.3% |
| Taxes450/3 | €8k | €7k | €7k | ▲ 1.3% |
| Other amounts payable47/48 | €8k | €9k | €14k | ▲ 57.8% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €59k | €81k | €83k | ▲ 3.0% |
| Operating cash flow (approximation) | €59k | €81k | €83k | ▲ 3.0% |
| Change in cash | - | €39k | €-29k | ▼ 174% |
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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €83k ▲3%
Net result €83k, the highest in the series.
31-12
Financial
Equity above €200kEq €228k ▲55.7%
3 profitable years in a row build equity to €228k.
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €147k ▲117%
2 profitable years in a row build equity to €147k.
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · 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, Mechelen · 1 establishment unit since 2023
Ground area
425 m²
Building footprint
119 m²
Volume, LiDAR
713 m³
Parcel 12016A0331/00B000, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kapelseweg(HOM) 83, 2811 Mechelen
since 20232.341.644.237
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12016A0331/00B000 | Flanders | 425 m² | 1 · 119 m² | 8.2 m · 2 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.
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Of 29,993 companies in sector 62200 we hold annual accounts for 18,396. 14,393 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
Founded16-01-2023
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
62900Other information technology and computer services
62100Computer programming
Scores and ratios are computed by Checked and are not a credit decision.