FINPRO
ActiveSummary
FINPRO has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €37k and a net result of €78k. Its solvency ranks better than 22% of 37953 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability100=
Solvency47▼-23
Growth58
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.0 against 1.52 in 2023; short-term debt: 78.4% and cash: 60.6% of total assets), and 78.4% of the assets are financed with debt.
Credit check 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 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
21.6%
Return on assets
44.9%
Age of the figures
21 mo
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 37953 sector peers (2024).
NBB · sector comparisonPosition among 37953 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 03-07-2025, 28 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
not confirmed
2024
28 d early
2023
40 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€37k▼ 51.0%
2023 · €76k
Total assets
€173k▲ 1.8%
2023 · €170k
Net result
€78k▲ 34.6%
2023 · €58k
Working capital
€0▼ 100%
2023 · €49k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20232024
Operating result€78k-€104k▲ 32.7%
Net result€58k-€78k▲ 34.6%
Equity€76k-€37k▼ 51.0%
Total assets€170k-€173k▲ 1.8%
Debt€94k-€136k▲ 44.7%
Working capital€49k-€0▼ 100%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2024; 2024 is 33% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €173k
Fixed assets
€37k ▲ 34.4%
Current assets
€136k ▼ 4.6%
Equity and liabilities €173k
Equity
€37k ▼ 51.0%
Debt
€136k ▲ 44.7%
Debt's share of the balance-sheet total rises from 55.1% to 78.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€108k▲
2023 · €93k
Cash flow
€82k▲
2023 · €72k
Current ratio
1.00▼
2023 · 1.52
Debt to equity
3.62▲
2023 · 1.23
ROE
207.7%▲
2023 · 75.7%
ROA
44.9%▲
2023 · 34.0%
Interest coverage
239.38▲
2023 · 137.92
Debt ≤ 1 year
€136k▲
2023 · €94k
Income taxes
€26k▲
2023 · €20k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €15k | €4k | ▼ 70.5% |
| Other operating charges640/8 | €935 | €968 | ▲ 3.6% |
| Gross operating margin9900 | €94k | €109k | ▲ 16.3% |
| Operating profit (loss)9901 | €78k | €104k | ▲ 32.7% |
| Financial income75/76B | - | €424 | - |
| Recurring financial income75 | - | €424 | - |
| Financial charges65/66B | €672 | €451 | ▼ 32.9% |
| Recurring financial charges65 | €672 | €451 | ▼ 32.9% |
| Profit (loss) for the period before taxes9903 | €77k | €104k | ▲ 33.8% |
| Income taxes67/77 | €20k | €26k | ▲ 31.5% |
| Profit (loss) for the period9904 | €58k | €78k | ▲ 34.6% |
| Profit (loss) for the period to be appropriated9905 | €58k | €78k | ▲ 34.6% |
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €170k | €173k | ▲ 1.8% |
| Fixed assets21/28 | €28k | €37k | ▲ 34.4% |
| Tangible fixed assets22/27 | €27k | €37k | ▲ 35.2% |
| Land and buildings22 | €27k | €37k | ▲ 37.3% |
| Furniture and vehicles24 | €424 | - | - |
| Financial fixed assets28 | €575 | €575 | = |
| Current assets29/58 | €142k | €136k | ▼ 4.6% |
| Amounts receivable within one year40/41 | €52k | €30k | ▼ 42.9% |
| Trade receivables40 | €52k | €30k | ▼ 43.0% |
| Other amounts receivable41 | - | €41 | - |
| Cash at bank and in hand54/58 | €88k | €105k | ▲ 18.5% |
| Deferred charges and accrued income490/1 | €2k | €1k | ▼ 37.2% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €170k | €173k | ▲ 1.8% |
| Equity10/15 | €76k | €37k | ▼ 51.0% |
| Contributions10/11 | €19k | €19k | = |
| Profit (loss) carried forward14 | €58k | €19k | ▼ 67.4% |
| Amounts payable17/49 | €94k | €136k | ▲ 44.7% |
| Amounts payable within one year42/48 | €94k | €136k | ▲ 44.7% |
| Trade debts44 | €98 | €1k | ▲ 1,171% |
| Suppliers440/4 | €98 | €1k | ▲ 1,171% |
| Taxes, remuneration and social security45 | €48k | €69k | ▲ 44.0% |
| Taxes450/3 | €48k | €69k | ▲ 44.0% |
| Other amounts payable47/48 | €46k | €65k | ▲ 43.1% |
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €58k | €78k | ▲ 34.6% |
| + Depreciation and write-downs630 | €15k | €4k | ▼ 70.5% |
| Operating cash flow (approximation) | €72k | €82k | ▲ 13.4% |
| Investment in fixed assets (approximation) | - | €-14k | - |
| Change in cash | - | €16k | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
NBB filing
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Kortrijk · 1 establishment unit since 2015
Ground area
923 m²
Building footprint
89 m²
Volume, LiDAR
334 m³
Parcel 34026A0584/00G000, Flanders · tallest building 5.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
FINPRO GCV
since 20152.240.753.151
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34026A0584/00G000 | Flanders | 923 m² | 1 · 89 m² | 5.7 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 1,154 EUR awarded · 1,154 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 1,154 EUR | 1,154 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,632 companies in sector 70200 we hold annual accounts for 52,575. 36,224 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded27-03-2015
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
82990Other business support services
Scores and ratios are computed by Checked and are not a credit decision.