FINNIS
ActiveSummary
FINNIS has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4k and a net result of €21k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 12% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
66
/ 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
Profitability100=
Solvency34▼-27
Growth78=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Five 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
Sector 69
lower
← 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
8.8%
Return on assets
45.9%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 12707 sector peers (2025).
NBB · sector comparisonPosition among 12707 sector peers
Solvency
better than 12%
← weakest
strongest →
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 03-07-2026, 28 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
28 d early
2024
1 d late
2023
1 d early
2022
2 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, micro schema
Equity
€4k▼ 73.1%
2024 · €15k
2022: €1k
2023: €12k
2024: €15k
2022 → 2025
Total assets
€46k▲ 11.8%
2024 · €41k
2022: €1k
2023: €23k
2024: €41k
2022 → 2025
Net result
€21k▲ 37.0%
2024 · €15k
2022: €-1k
2023: €11k
2024: €15k
2022 → 2025
Working capital
€-4k
2024 · €4k
2022: €1k
2023: €8k
2024: €4k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€1k-€12k▲ 856%€15k▲ 24.1%€4k▼ 73.1%
Operating result€-1k-€15k€19k▲ 22.1%€26k▲ 39.8%
Net result€-1k-€11k€15k▲ 43.1%€21k▲ 37.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 40% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €46k
Fixed assets
€8k ▼ 23.8%
Current assets
€38k ▲ 24.2%
Equity and liabilities €46k
Equity
€4k ▼ 73.1%
Debt
€42k ▲ 60.1%
Debt's share of the balance-sheet total rises from 63.7% to 91.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€29k▲
2024 · €21k
Cash flow
€24k▲
2024 · €18k
Current ratio
0.90▼
2024 · 1.17
Debt to equity
10.43▲
2024 · 1.75
ROE
524.9%▲
2024 · 103.2%
ROA
45.9%▲
2024 · 37.5%
Interest coverage
33.30▲
2024 · 14.94
Debt ≤ 1 year
€42k▲
2024 · €26k
Income taxes
€5k▲
2024 · €2k
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 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€41k€46k▲
Fixed assets21/28€11k€8k▼
Tangible fixed assets22/27€11k€8k▼
Furniture and vehicles24€11k€8k▼
Current assets29/58€30k€38k▲
Amounts receivable within one year40/41€12k€18k▲
Trade receivables40€10k€10k▲
Other amounts receivable41€1k€8k▲
Cash at bank and in hand54/58€12k€17k▲
Deferred charges and accrued income490/1€7k€3k▼
Equity and liabilities
Total equity and liabilities10/49€41k€46k▲
Equity10/15€15k€4k▼
Contributions10/11€3k€3k=
Reserves13€12k€2k▼
Distributable reserves133€12k€2k▼
Amounts payable17/49€26k€42k▲
Amounts payable within one year42/48€26k€42k▲
Trade debts44€6k€2k▼
Suppliers440/4€6k€2k▼
Taxes, remuneration and social security45€6k€8k▲
Taxes450/3€6k€8k▲
Other amounts payable47/48€14k€32k▲
Accrued charges and deferred income492/3€204-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€413€813▲
Gross operating margin9900€22k€30k▲
Operating profit (loss)9901€19k€26k▲
Financial income75/76B€8€173▲
Recurring financial income75€8€173▲
Financial charges65/66B€1k€866▼
Recurring financial charges65€1k€866▼
Profit (loss) for the period before taxes9903€17k€26k▲
Income taxes67/77€2k€5k▲
Profit (loss) for the period9904€15k€21k▲
Profit (loss) for the period to be appropriated9905€15k€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€15k€21k▲
Transfer from equity791/2-€22k
Transfer to equity691/2€3k€11k▲
To other reserves6921€3k€11k▲
Profit to be distributed694/7€13k€32k▲
Return on contributions (dividend)694-€22k
Directors or managers695€13k€10k▼
The notes to these accounts (4 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €21k ▲37%
Operating result €26k, net result €21k, both a record.
01-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 1 day late
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Lille · 1 establishment unit since 2022
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.
Pastorijstraat 902275 LilleGround area
1,054 m²
Building footprint
197 m²
Volume, LiDAR
995 m³
Parcel 13047B0071/00M000, Flanders · tallest building 6.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FINNIS
since 20222.339.175.190
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13047B0071/00M000 | Flanders | 1,054 m² | 1 · 197 m² | 6.9 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.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 291 EUR awarded · 291 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 144 EUR | 144 EUR |
| 2023 | 1 | 147 EUR | 147 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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COMITES
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Of 2,267 companies in sector 69209 we hold annual accounts for 1,098. 277 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 formPrivate limited company
Founded20-12-2022
Fiscal year end31-12
Activities, NACEBEL 2025
69209Other tax advisory services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.