Finma
ActiveSummary
Finma has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €169k and a net result of €46k. Equity is growing by ~42.9% per year across the filed fiscal years. Its solvency ranks better than 75% of 7780 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability95▼-5
Solvency100▲+11
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 4.17 against 3.12 in 2024; short-term debt: 23.7% and cash: 1.2% of total assets), and 23.7% of the assets are financed with debt.
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Signals
Three signals. The signal on the left, the evidence on the right.
−lowers 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 · 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
76.3%
Return on assets
20.6%
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 31-07-2026, 0 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
on the day
2024
61 d late
2023
146 d late
2022
60 d late
2021
31 d late
2020
44 d late
2019
on the day
← 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
€169k▲ 35.4%
2024 · €125k
Total assets
€222k▲ 13.6%
2024 · €195k
Net result
€46k▼ 12.3%
2024 · €52k
Working capital
€167k▲ 28.7%
2024 · €130k
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€27k▲ 250%€82k▲ 206%€52k▼ 35.9%€67k▲ 27.1%€56k▼ 16.4%
Net result€20k▲ 241%€59k▲ 194%€41k▼ 30.2%€52k▲ 26.5%€46k▼ 12.3%
Equity€32k▲ 164%€91k▲ 183%€133k▲ 45.1%€125k▼ 5.9%€169k▲ 35.4%
Total assets€43k▲ 184%€123k▲ 184%€175k▲ 42.2%€195k▲ 11.7%€222k▲ 13.6%
Debt€11k▲ 261%€31k▲ 186%€42k▲ 33.7%€70k▲ 67.0%€53k▼ 25.1%
Working capital€32k▲ 185%€91k▲ 183%€133k▲ 45.1%€130k▼ 2.3%€167k▲ 28.7%
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 16% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €222k
Fixed assets
€2k ▼ 46.3%
Current assets
€219k ▲ 15.0%
Equity and liabilities €222k
Equity
€169k ▲ 35.4%
Debt
€53k ▼ 25.1%
Debt's share of the balance-sheet total falls from 36.0% to 23.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€60k▼
2024 · €71k
Cash flow
€50k▼
2024 · €57k
Current ratio
4.17▲
2024 · 3.12
Debt to equity
0.31▼
2024 · 0.56
ROE
27.1%▼
2024 · 41.8%
ROA
20.6%▼
2024 · 26.7%
Interest coverage
162.54▲
2024 · 53.87
Debt ≤ 1 year
€53k▼
2024 · €61k
Income taxes
€19k▼
2024 · €24k
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 | €904 | €0 | - | €4k | €4k | ▲ 0.5% |
| Other operating charges640/8 | €348 | €35 | €10 | €540 | €424 | ▼ 21.5% |
| Gross operating margin9900 | €28k | €82k | €52k | €72k | €61k | ▼ 15.4% |
| Operating profit (loss)9901 | €27k | €82k | €52k | €67k | €56k | ▼ 16.4% |
| Financial income75/76B | €2k | €0 | €8k | €11k | €9k | ▼ 13.1% |
| Recurring financial income75 | €2k | €0 | €8k | €11k | €9k | ▼ 13.1% |
| Financial charges65/66B | €46 | €150 | €308 | €1k | €370 | ▼ 72.0% |
| Recurring financial charges65 | €46 | €150 | €308 | €1k | €370 | ▼ 72.0% |
| Profit (loss) for the period before taxes9903 | €28k | €82k | €61k | €76k | €65k | ▼ 15.0% |
| Income taxes67/77 | €8k | €23k | €19k | €24k | €19k | ▼ 20.7% |
| Profit (loss) for the period9904 | €20k | €59k | €41k | €52k | €46k | ▼ 12.3% |
| Profit (loss) for the period to be appropriated9905 | €20k | €59k | €41k | €52k | €46k | ▼ 12.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €43k | €123k | €175k | €195k | €222k | ▲ 13.6% |
| Fixed assets21/28 | €0 | - | - | €4k | €2k | ▼ 46.3% |
| Intangible fixed assets21 | €0 | - | - | - | - | - |
| Tangible fixed assets22/27 | €0 | - | - | €4k | €2k | ▼ 46.3% |
| Furniture and vehicles24 | €0 | - | - | €4k | €2k | ▼ 46.3% |
| Current assets29/58 | €43k | €123k | €175k | €191k | €219k | ▲ 15.0% |
| Amounts receivable within one year40/41 | €42k | €108k | €167k | €183k | €215k | ▲ 17.7% |
| Trade receivables40 | - | - | - | €25k | €12k | ▼ 52.7% |
| Other amounts receivable41 | €42k | €108k | €167k | €158k | €203k | ▲ 28.9% |
| Cash at bank and in hand54/58 | €1k | €383 | €7k | €8k | €3k | ▼ 65.2% |
| Deferred charges and accrued income490/1 | €0 | €15k | €0 | - | €2k | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €43k | €123k | €175k | €195k | €222k | ▲ 13.6% |
| Equity10/15 | €32k | €91k | €133k | €125k | €169k | ▲ 35.4% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Reserves13 | €26k | €85k | €126k | €119k | €163k | ▲ 37.3% |
| Distributable reserves133 | €26k | €85k | €126k | €119k | €163k | ▲ 37.3% |
| Profit (loss) carried forward14 | - | - | - | €0 | €0 | - |
| Amounts payable17/49 | €11k | €31k | €42k | €70k | €53k | ▼ 25.1% |
| Amounts payable within one year42/48 | €11k | €31k | €42k | €61k | €53k | ▼ 13.9% |
| Trade debts44 | €342 | €667 | €189 | €5k | €6k | ▲ 24.7% |
| Suppliers440/4 | €342 | €667 | €189 | €5k | €6k | ▲ 24.7% |
| Taxes, remuneration and social security45 | €11k | €31k | €42k | €56k | €45k | ▼ 19.9% |
| Taxes450/3 | €11k | €31k | €42k | €56k | €42k | ▼ 25.5% |
| Remuneration and social security454/9 | - | - | - | - | €3k | - |
| Other amounts payable47/48 | €0 | - | - | - | €2k | - |
| Accrued charges and deferred income492/3 | - | - | - | €9k | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €20k | €59k | €41k | €52k | €46k | ▼ 12.3% |
| + Depreciation and write-downs630 | €904 | €0 | - | €4k | €4k | ▲ 0.5% |
| Operating cash flow (approximation) | €21k | €59k | €41k | €57k | €50k | ▼ 11.3% |
| Investment in fixed assets (approximation) | - | - | - | - | €-2k | - |
| Change in cash | - | €-1k | €7k | €575 | €-5k | ▼ 996% |
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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €150kEq €169k ▲35.4%
7 profitable years in a row build equity to €169k.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
24-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 146 days late
2023
31-12
Financial
Equity above €100kEq €133k ▲45.1%
5 profitable years in a row build equity to €133k.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
31-12
Financial
Highest result since 2018net €59k ▲194%
Operating result €82k, net result €59k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
13-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 44 days late
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
31-12
Financial
Liquidity times 12current ratio 3.06
Current ratio from 0.25 to 3.06; short-term debt falls from €10k to €2k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Machelen (Brab.) · 1 establishment unit since 2017
Ground area
8,806 m²
Building footprint
1,328 m²
Volume, LiDAR
28,306 m³
Parcel 23015B0091/00Z003, Flanders · tallest building 26.1 m, ±7 floors. Linked by address, not a title deed.
154
companies at this address
See who is registered here
1 establishment unit
Finma
since 20172.272.629.529
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23015B0091/00Z003 | Flanders | 8,805 m² | 1 · 1,328 m² | 26.1 m · 7 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 24,515 companies in sector 82990 we hold annual accounts for 9,413. 7,072 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 (pre-2019)
Founded13-10-2017
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
66220Insurance agents and brokers
Scores and ratios are computed by Checked and are not a credit decision.