Finnhouse Belgie
ActiveSummary
Finnhouse Belgie has been active since 1978 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €9.96M and a net result of €204k. Equity remains stable across the filed fiscal years (±2.5% per year). Its solvency ranks better than 84% of 4539 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability25▼-7
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €650k at 30 days acceptable
short-term debt: 0.6% and cash: 0.8% of total assets, and 13.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
86.1%
Return on assets
1.8%
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
92 d early
2023
99 d early
2022
122 d early
2021
82 d early
2020
3 d early
2019
4 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€204k▼ 49.9%
2024 · €407k
2018: €2.28M
2019: €-406k
2020: €82k
2021: €314k
2022: €102k
2023: €107k
2024: €407k
2018 → 2025
Working capital
€8.64M▲ 1.5%
2024 · €8.52M
2018: €9.00M
2019: €8.20M
2020: €7.97M
2021: €8.82M
2022: €8.42M
2023: €8.31M
2024: €8.52M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€11.54M-€11.24M▼ 2.6%€11.10M▼ 1.3%€9.76M▼ 12.1%€9.96M▲ 2.1%
Operating result€-28k-€454€23k▲ 5,036%€775▼ 96.7%€9k▲ 1,125%
Net result€314k-€102k▼ 67.7%€107k▲ 5.3%€407k▲ 280%€204k▼ 49.9%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1,125% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €11.56M
Fixed assets
€2.85M ▼ 1.1%
Current assets
€8.72M ▲ 1.7%
Equity and liabilities €11.56M
Equity
€9.96M ▲ 2.1%
Debt
€1.60M ▼ 5.1%
Debt's share of the balance-sheet total falls from 14.8% to 13.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€41k▲
2024 · €32k
Cash flow
€235k▼
2024 · €438k
Debt to equity
0.16▼
2024 · 0.17
ROE
2.0%▼
2024 · 4.2%
ROA
1.8%▼
2024 · 3.6%
Interest coverage
0.52▼
2024 · 1.11
Debt ≤ 1 year
€74k▲
2024 · €51k
Debt > 1 year
€1.44M▼
2024 · €1.61M
Income taxes
€85k▲
2024 · €75k
A ratio outside any meaningful range has been withheld (balance sheet total €11.56M, equity €9.96M).
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 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€11.45M€11.56M▲
Fixed assets21/28€2.88M€2.85M▼
Tangible fixed assets22/27€660k€629k▼
Land and buildings22€660k€629k▼
Furniture and vehicles24€606-
Financial fixed assets28€2.22M€2.22M=
Current assets29/58€8.57M€8.72M▲
Amounts receivable after more than one year29€8.29M€8.36M▲
Other amounts receivable291€8.29M€8.36M▲
Amounts receivable within one year40/41€178k€269k▲
Trade receivables40€23k€89k▲
Other amounts receivable41€154k€180k▲
Cash at bank and in hand54/58€102k€88k▼
Deferred charges and accrued income490/1€821€3k▲
Equity and liabilities
Total equity and liabilities10/49€11.45M€11.56M▲
Equity10/15€9.76M€9.96M▲
Contributions10/11€183k€183k=
Capital10€183k€183k=
Issued capital100€183k€183k=
Reserves13€9.57M€9.78M▲
Non-distributable reserves130/1€18k€18k=
Legal reserve130€18k€18k=
Distributable reserves133€9.56M€9.76M▲
Amounts payable17/49€1.69M€1.60M▼
Amounts payable after more than one year17€1.61M€1.44M▼
Other amounts payable178/9€1.61M€1.44M▼
Amounts payable within one year42/48€51k€74k▲
Trade debts44€1k€941▼
Suppliers440/4€1k€941▼
Taxes, remuneration and social security45€50k€73k▲
Taxes450/3€49k€73k▲
Remuneration and social security454/9€1k-
Accrued charges and deferred income492/3€33k€85k▲
Income statement
Code20242025
Remuneration, social security and pensions62€20k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€31k▼
Other operating charges640/8€10k€10k▲
Gross operating margin9900€62k€51k▼
Operating profit (loss)9901€775€9k▲
Financial income75/76B€510k€358k▼
Recurring financial income75€510k€358k▼
Financial charges65/66B€29k€79k▲
Recurring financial charges65€29k€79k▲
Profit (loss) for the period before taxes9903€482k€289k▼
Income taxes67/77€75k€85k▲
Profit (loss) for the period9904€407k€204k▼
Profit (loss) for the period to be appropriated9905€407k€204k▼
Appropriation of the result
Profit (loss) to be appropriated9906€407k€204k▼
Transfer from equity791/2€1.75M-
Transfer to equity691/2€407k€204k▼
To other reserves6921€407k€204k▼
Profit to be distributed694/7€1.75M-
Return on contributions (dividend)694€1.75M-
Social balance
Average headcount (FTE)90870.5-
The notes to these accounts (6 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity times 5current ratio 167.94
Current ratio from 32.15 to 167.94; short-term debt falls from €267k to €51k.
23-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
10-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €82k
Net result €82k after one loss-making year.
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €-406k ▼118%
Net result drops to €-406k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity quadruplescurrent ratio 167.04
Current ratio from 37.95 to 167.04; short-term debt falls from €244k to €49k.
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Schilde · 1 establishment unit since 1988
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.
Rodedreef 102970 SchildeGround area
4,734 m²
Building footprint
271 m²
Volume, LiDAR
1,757 m³
Parcel 11922C0516/00E002, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rodedreef 10, 2970 Schilde
since 19882.039.835.467
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11922C0516/00E002 | Flanders | 4,734 m² | 1 · 271 m² | 10.2 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
KEFAS
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RUDAN
BE 0437.367.951
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Vianellu
BE 0695.934.319
Geel · Eq €9.88M
Guy Vermant & Co
BE 0447.645.496
Mechelen · Eq €10.08M
Of 12,022 companies in sector 68203 we hold annual accounts for 5,986. 1,892 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded20-04-1978
Fiscal year end31-12
Activities, NACEBEL 2025
68203Renting and operating of own or leased non-residential real estate, excluding land
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 48 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.