FINPAY CONSULTING
ActiveSummary
FINPAY CONSULTING has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €119k and a net result of €47k. Its solvency ranks better than 73% of 17043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+8
Growth52
Track record82
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days only on tighter terms
Liquidity ample (current ratio 4.75 against 3.13 in 2024; short-term debt: 20.5% and cash: 27.6% of total assets), and 21.2% 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+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 62
Relative position
BE, all sectors
reference
Sector 62
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
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
78.8%
Return on assets
31%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
2 d early
2024
18 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€119k▲ 64.8%
2024 · €72k
2024: €72k
2024 → 2025
Total assets
€151k▲ 40.6%
2024 · €107k
2024: €107k
2024 → 2025
Net result
€47k▼ 33.3%
2024 · €70k
2024: €70k
2024 → 2025
Working capital
€116k▲ 59.7%
2024 · €73k
2024: €73k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€72k-€119k▲ 64.8%
Operating result€87k-€57k▼ 34.5%
Net result€70k-€47k▼ 33.3%
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 35% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €151k
Fixed assets
€4k ▲ 741%
Current assets
€147k ▲ 37.6%
Equity and liabilities €151k
Equity
€119k ▲ 64.8%
Debt
€32k ▼ 9.1%
Debt's share of the balance-sheet total falls from 32.8% to 21.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€58k▼
2024 · €87k
Cash flow
€48k▼
2024 · €70k
Current ratio
4.75▲
2024 · 3.13
Debt to equity
0.27▼
2024 · 0.49
ROE
39.3%▼
2024 · 97.2%
ROA
31.0%▼
2024 · 65.4%
Interest coverage
86.38▼
2024 · 522.91
Debt ≤ 1 year
€31k▼
2024 · €34k
Income taxes
€13k▼
2024 · €18k
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 · 35 lines
Balance sheet
Code20242025
Assets
Total assets20/58€107k€151k▲
Fixed assets21/28€456€4k▲
Tangible fixed assets22/27€456€4k▲
Furniture and vehicles24€456€4k▲
Current assets29/58€107k€147k▲
Amounts receivable within one year40/41€52k€105k▲
Trade receivables40€17k€15k▼
Other amounts receivable41€35k€90k▲
Cash at bank and in hand54/58€55k€42k▼
Deferred charges and accrued income490/1€144€250▲
Equity and liabilities
Total equity and liabilities10/49€107k€151k▲
Equity10/15€72k€119k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€70k€117k▲
Amounts payable17/49€35k€32k▼
Amounts payable within one year42/48€34k€31k▼
Trade debts44€5k€823▼
Suppliers440/4€5k€823▼
Taxes, remuneration and social security45€29k€30k▲
Taxes450/3€29k€30k▲
Accrued charges and deferred income492/3€1k€1k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€98€1k▲
Other operating charges640/8-€740
Gross operating margin9900€87k€59k▼
Operating profit (loss)9901€87k€57k▼
Financial income75/76B€2k€4k▲
Recurring financial income75€2k€4k▲
Financial charges65/66B€167€675▲
Recurring financial charges65€167€675▲
Profit (loss) for the period before taxes9903€88k€60k▼
Income taxes67/77€18k€13k▼
Profit (loss) for the period9904€70k€47k▼
Profit (loss) for the period to be appropriated9905€70k€47k▼
Appropriation of the result
Profit (loss) to be appropriated9906€70k€117k▲
Profit (loss) brought forward from the previous period14P-€70k
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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Equity above €100kEq €119k ▲64.8%
2 profitable years in a row build equity to €119k.
18-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
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, Etterbeek · 1 establishment unit since 2023
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.
Steenweg op Waver 7021040 EtterbeekGround area
274 m²
Building footprint
255 m²
Volume, LiDAR
3,129 m³
Parcel 21362B0032/00E000, Brussels · tallest building 17.6 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
FINPAY CONSULTING
since 20232.356.494.442
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21362B0032/00E000 | Brussels | 274 m² | 1 · 255 m² | 17.6 m · 5 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
IT-SMC
BE 0651.941.651
Bierbeek · Eq €119,095
QUINTEC
BE 0831.597.727
Londerzeel · Eq €119,133
EMSEC
BE 0666.541.636
Waterloo · Eq €119,086
FLOBERTUS
BE 0524.780.292
Aalst · Eq €119,079
Direkt-IT
BE 0801.878.313
Antwerpen · Eq €119,148
Of 29,996 companies in sector 62200 we hold annual accounts for 18,393. 15,490 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
Founded20-12-2023
Fiscal year end30-06
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.