FINORI
ActiveFINORI has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €165k and a net result of €-2k. Equity is growing by ~15.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 12675 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability17▼-24
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
short-term debt: 0.7% and cash: 5.3% of total assets, and 0.7% 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 · 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 →
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
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 25-06-2026, 36 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
36 d early
2024
25 d early
2023
30 d early
2022
32 d early
2021
12 d early
2020
16 d early
2019
22 d early
← before the deadline
after the deadline →
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€165k▼ 1.2%
2024 · €167k
2018: €39k
2019: €35k
2020: €86k
2021: €120k
2022: €160k
2023: €164k
2024: €167k
2018 → 2025
Total assets
€166k▼ 1.6%
2024 · €168k
2018: €89k
2019: €36k
2020: €92k
2021: €124k
2022: €162k
2023: €166k
2024: €168k
2018 → 2025
Net result
€-2k
2024 · €2k
2018: €46k
2019: €-4k
2020: €56k
2021: €34k
2022: €40k
2023: €4k
2024: €2k
2018 → 2025
Working capital
€161k▼ 3.1%
2024 · €167k
2018: €38k
2019: €35k
2020: €86k
2021: €120k
2022: €160k
2023: €164k
2024: €167k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€120k-€160k▲ 33.4%€164k▲ 2.5%€167k▲ 1.4%€165k▼ 1.2%
Operating result€35k-€56k▲ 61.1%€6k▼ 88.8%€-2k€-7k▼ 205%
Net result€34k-€40k▲ 18.1%€4k▼ 90.1%€2k▼ 43.6%€-2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €7k in 2025 against €2k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €166k
Fixed assets
€3k
Current assets
€163k
Equity and liabilities €166k
Equity
€165k▼ 1.2%
Debt
€1k▼ 33.8%
The debt ratio falls from 1.1% to 0.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-6k
Cash flow
€-912
Solvency
99.3%▲
2024 · 98.9%
Debt / equity
0.01▼
2024 · 0.01
ROE
-1.3%▼
2024 · 1.3%
ROA
-1.2%▼
2024 · 1.3%
Interest coverage
-44.93
Debt
€1k▼
2024 · €2k
Debt ≤ 1 year
€1k▼
2024 · €2k
Income taxes
€1k▲
2024 · €431
A ratio outside any meaningful range has been withheld (balance sheet total €166k, equity €165k).
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€168k€166k▼
Fixed assets21/28-€3k
Tangible fixed assets22/27-€3k
Furniture and vehicles24-€3k
Current assets29/58€168k€163k▼
Amounts receivable within one year40/41€98€8k▲
Trade receivables40-€8k
Other amounts receivable41€98-
Current investments50/53€165k€144k▼
Cash at bank and in hand54/58€3k€9k▲
Deferred charges and accrued income490/1€314€2k▲
Equity and liabilities
Total equity and liabilities10/49€168k€166k▼
Equity10/15€167k€165k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Tax-exempt reserves132€333€333=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€146k€144k▼
Amounts payable17/49€2k€1k▼
Amounts payable within one year42/48€2k€1k▼
Trade debts44€2k€122▼
Suppliers440/4€2k€122▼
Taxes, remuneration and social security45-€1k
Taxes450/3-€1k
Other amounts payable47/48€16€16=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€1k
Other operating charges640/8€175€172▼
Gross operating margin9900€-2k€-6k▼
Operating profit (loss)9901€-2k€-7k▼
Financial income75/76B€5k€6k▲
Recurring financial income75€5k€6k▲
Financial charges65/66B€134€127▼
Recurring financial charges65€134€127▼
Profit (loss) for the period before taxes9903€3k€-1k▼
Income taxes67/77€431€1k▲
Profit (loss) for the period9904€2k€-2k▼
Profit (loss) for the period to be appropriated9905€2k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€146k€144k▼
Profit (loss) brought forward from the previous period14P€144k€146k▲
The notes to these accounts (7 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
25-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
06-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity triplescurrent ratio 90.29
Current ratio from 34.04 to 90.29; short-term debt falls from €4k to €2k.
31-12
Financial
Equity above €150kEq €160k ▲33.4%
3 profitable years in a row build equity to €160k.
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity doublescurrent ratio 34.04
Current ratio from 15.75 to 34.04; short-term debt falls from €6k to €4k.
31-12
Financial
Equity above €100kEq €120k ▲39.4%
2 profitable years in a row build equity to €120k.
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €56k
Net result €56k after one loss-making year.
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-4k ▼110%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 15current ratio 27.11
Current ratio from 1.78 to 27.11; short-term debt falls from €49k to €1k.
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Dendermonde · 1 establishment unit since 2014
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.
Grootzand (GRE) 939200 DendermondeGround area
223 m²
Building footprint
87 m²
Volume, LiDAR
512 m³
Parcel 42007B1075/00X000, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FINORI
since 20142.235.169.119
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42007B1075/00X000 | Flanders | 223 m² | 1 · 87 m² | 10.6 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.
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DAVIDS ACCOUNTANCY EN FISCALITEIT
BE 0863.694.631
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COFIGEST.BE
BE 0473.319.814
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Fiduciaire LEERSCHOOL, GAYETOT et associés
BE 0476.997.104
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Of 12,172 companies in sector 69201 we hold annual accounts for 7,638. 6,502 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-09-2014
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.