Finomnia
ActiveSummary
Finomnia has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €9k and a net result of €6k. Its solvency ranks better than 18% of 12738 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 and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability83
Solvency42
Growth-
Track record67
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.62; short-term debt: 45.1% and cash: 9.7% of total assets), and 83.5% 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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 dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 12738 sector peers (2025).
NBB · sector comparisonPosition among 12738 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 1 filingDeviation from the deadline
2025
29 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€9k
Total assets
€57k
Net result
€6k
Working capital
€-10k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €57k
Fixed assets
€41k
Current assets
€16k
Equity and liabilities €57k
Equity
€9k
Debt
€48k
Debt finances 83.5% of the balance-sheet total.
Key figures and ratios
EBITDA
€23k
Cash flow
€19k
Current ratio
0.62
Debt to equity
5.05
ROE
68.3%
ROA
11.3%
Interest coverage
12.60
Debt ≤ 1 year
€26k
Debt > 1 year
€22k
Income taxes
€3k
Filed annual accounts As filed with the NBB · 2025 · 38 lines
Balance sheet
Code2025
Assets
Total assets20/58€57k
Fixed assets21/28€41k
Tangible fixed assets22/27€41k
Plant, machinery and equipment23€3k
Leasing and similar rights25€34k
Other tangible fixed assets26€4k
Current assets29/58€16k
Amounts receivable within one year40/41€10k
Trade receivables40€8k
Other amounts receivable41€2k
Cash at bank and in hand54/58€6k
Equity and liabilities
Total equity and liabilities10/49€57k
Equity10/15€9k
Contributions10/11€3k
Reserves13€6k
Distributable reserves133€6k
Amounts payable17/49€48k
Amounts payable after more than one year17€22k
Financial debts170/4€22k
Amounts payable within one year42/48€26k
Current portion of amounts payable after more than one year42€17k
Trade debts44€228
Suppliers440/4€228
Taxes, remuneration and social security45€8k
Taxes450/3€8k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k
Other operating charges640/8€320
Gross operating margin9900€24k
Operating profit (loss)9901€11k
Financial charges65/66B€2k
Recurring financial charges65€2k
Profit (loss) for the period before taxes9903€9k
Income taxes67/77€3k
Profit (loss) for the period9904€6k
Profit (loss) for the period to be appropriated9905€6k
Appropriation of the result
Profit (loss) to be appropriated9906€6k
Transfer to equity691/2€6k
To other reserves6921€6k
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
2026
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
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, Geel · 1 establishment unit since 2024
Ground area
2,321 m²
Building footprint
203 m²
Parcel 13372A1301/00M002, Flanders. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Heistraat 121, 2440 Geel
since 20242.363.749.052
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13372A1301/00M002 | Flanders | 2,320 m² | 1 · 203 m² | - |
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
2025 · 1 entry · 120 EUR awarded| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 120 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 3,009 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
Founded18-09-2024
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.