FINPROBEL
ActiveSummary
FINPROBEL has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €253,586 and a net result of €16,726. Equity is growing by ~6.1% per year across the filed fiscal years. Its solvency ranks better than 77% of 31896 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability75▲+1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21,000 at 30 days acceptable
Liquidity ample (current ratio 6.24 against 10.91 in 2024; short-term debt: 14.3% and cash: 7.1% of total assets), and 19.6% of the assets are financed with debt.
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Signals
Four 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 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← 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
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
80.4%
Return on assets
5.3%
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 10-11-2025, 82 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
82 d early
2024
77 d early
2023
65 d early
2022
70 d early
2021
80 d early
2020
89 d early
2019
81 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 78 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
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 close27-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€253,586▼ 1.7%
2024 · €257,895
Total assets
€315,394▲ 2.9%
2024 · €306,438
Net result
€16,726▲ 21.4%
2024 · €13,775
Working capital
€236,215=
2024 · €236,223
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
Line20212022202320242025
Operating result€30,912▲ 55.8%€15,590▼ 49.6%€27,083▲ 73.7%€22,118▼ 18.3%€22,485▲ 1.7%
Net result€21,832▲ 57.7%€9,476▼ 56.6%€16,332▲ 72.4%€13,775▼ 15.7%€16,726▲ 21.4%
Equity€218,312▲ 11.1%€227,788▲ 4.3%€244,120▲ 7.2%€257,895▲ 5.6%€253,586▼ 1.7%
Total assets€237,602▲ 7.3%€240,301▲ 1.1%€298,196▲ 24.1%€306,438▲ 2.8%€315,394▲ 2.9%
Debt€19,290▼ 22.4%€12,513▼ 35.1%€54,076▲ 332%€48,543▼ 10.2%€61,808▲ 27.3%
Working capital€209,701▲ 13.7%€222,267▲ 6.0%€221,953▼ 0.1%€236,223▲ 6.4%€236,215=
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 2% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €315,394
Fixed assets
€34,081 ▼ 26.5%
Current assets
€281,313 ▲ 8.2%
Equity and liabilities €315,394
Equity
€253,586 ▼ 1.7%
Debt
€61,808 ▲ 27.3%
Debt's share of the balance-sheet total rises from 15.8% to 19.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€34,779▼
2024 · €35,384
Cash flow
€29,020▲
2024 · €27,041
Current ratio
6.24▼
2024 · 10.91
Debt to equity
0.24▲
2024 · 0.19
ROE
6.6%▲
2024 · 5.3%
ROA
5.3%▲
2024 · 4.5%
Interest coverage
31.65▲
2024 · 25.38
Debt ≤ 1 year
€45,098▲
2024 · €23,840
Debt > 1 year
€16,710▼
2024 · €24,703
Income taxes
€6,511▼
2024 · €7,547
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,324 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.4%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 31,324 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,592 | €3,090 | €2,802 | €13,266 | €12,294 | ▼ 7.3% |
| Other operating charges640/8 | - | €964 | €946 | €929 | €670 | ▼ 27.9% |
| Gross operating margin9900 | €37,189 | €19,644 | €30,831 | €36,313 | €35,449 | ▼ 2.4% |
| Operating profit (loss)9901 | €30,912 | €15,590 | €27,083 | €22,118 | €22,485 | ▲ 1.7% |
| Financial income75/76B | - | €32 | - | €598 | €1,851 | ▲ 210% |
| Recurring financial income75 | €180 | €32 | - | €598 | €1,851 | ▲ 210% |
| Financial charges65/66B | - | €156 | €498 | €1,394 | €1,099 | ▼ 21.2% |
| Recurring financial charges65 | €160 | €156 | €498 | €1,394 | €1,099 | ▼ 21.2% |
| Profit (loss) for the period before taxes9903 | €30,932 | €15,466 | €26,585 | €21,322 | €23,237 | ▲ 9.0% |
| Income taxes67/77 | €9,100 | €5,990 | €10,253 | €7,547 | €6,511 | ▼ 13.7% |
| Profit (loss) for the period9904 | €21,832 | €9,476 | €16,332 | €13,775 | €16,726 | ▲ 21.4% |
| Profit (loss) for the period to be appropriated9905 | €21,832 | €9,476 | €16,332 | €13,775 | €16,726 | ▲ 21.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €237,602 | €240,301 | €298,196 | €306,438 | €315,394 | ▲ 2.9% |
| Fixed assets21/28 | €8,611 | €5,521 | €54,631 | €46,375 | €34,081 | ▼ 26.5% |
| Tangible fixed assets22/27 | €8,611 | €5,521 | €54,631 | €46,375 | €34,081 | ▼ 26.5% |
| Plant, machinery and equipment23 | - | €3,000 | €3,483 | €6,025 | €3,944 | ▼ 34.5% |
| Furniture and vehicles24 | - | €2,521 | €51,148 | €40,350 | €30,137 | ▼ 25.3% |
| Current assets29/58 | €228,991 | €234,780 | €243,565 | €260,063 | €281,313 | ▲ 8.2% |
| Amounts receivable within one year40/41 | - | €16,426 | €18,634 | €16,940 | €17,211 | ▲ 1.6% |
| Trade receivables40 | - | €16,426 | €18,634 | €16,940 | €17,211 | ▲ 1.6% |
| Current investments50/53 | €200,005 | €210,021 | €210,021 | €220,416 | €241,711 | ▲ 9.7% |
| Cash at bank and in hand54/58 | €28,986 | €8,333 | €14,910 | €22,707 | €22,391 | ▼ 1.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €237,602 | €240,301 | €298,196 | €306,438 | €315,394 | ▲ 2.9% |
| Equity10/15 | €218,312 | €227,788 | €244,120 | €257,895 | €253,586 | ▼ 1.7% |
| Contributions10/11 | - | €19,530 | €19,530 | €19,530 | €19,530 | = |
| Capital10 | - | - | €19,530 | €19,530 | €19,530 | = |
| Issued capital100 | - | - | €19,530 | €19,530 | €19,530 | = |
| Reserves13 | €198,782 | €208,258 | €224,590 | €238,365 | €234,056 | ▼ 1.8% |
| Non-distributable reserves130/1 | - | €1,953 | €1,953 | €1,953 | €1,953 | = |
| Legal reserve130 | - | - | €1,953 | €1,953 | €1,953 | = |
| Reserves not available under the articles1311 | - | €1,953 | - | - | - | - |
| Distributable reserves133 | - | €206,305 | €222,637 | €236,412 | €232,103 | ▼ 1.8% |
| Amounts payable17/49 | €19,290 | €12,513 | €54,076 | €48,543 | €61,808 | ▲ 27.3% |
| Amounts payable after more than one year17 | - | - | €32,464 | €24,703 | €16,710 | ▼ 32.4% |
| Financial debts170/4 | - | - | €32,464 | €24,703 | €16,710 | ▼ 32.4% |
| Amounts payable within one year42/48 | €19,290 | €12,513 | €21,612 | €23,840 | €45,098 | ▲ 89.2% |
| Current portion of amounts payable after more than one year42 | - | - | €7,536 | €7,761 | €7,993 | ▲ 3.0% |
| Trade debts44 | €11,199 | €9,285 | €6,539 | €4,137 | €6,841 | ▲ 65.4% |
| Suppliers440/4 | - | €9,285 | €6,539 | €4,137 | €6,841 | ▲ 65.4% |
| Taxes, remuneration and social security45 | - | €3,046 | €7,423 | €11,790 | €10,230 | ▼ 13.2% |
| Taxes450/3 | - | €3,046 | €7,423 | €8,540 | €10,230 | ▲ 19.8% |
| Remuneration and social security454/9 | - | - | - | €3,250 | €0 | ▼ 100% |
| Other amounts payable47/48 | - | €182 | €114 | €152 | €20,034 | ▲ 13,080% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €21,832 | €9,476 | €16,332 | €13,775 | €16,726 | ▲ 21.4% |
| + Depreciation and write-downs630 | €5,592 | €3,090 | €2,802 | €13,266 | €12,294 | ▼ 7.3% |
| Operating cash flow (approximation) | €27,424 | €12,566 | €19,134 | €27,041 | €29,020 | ▲ 7.3% |
| Investment in fixed assets (approximation) | - | €0 | -€51,912 | -€5,010 | €0 | ▲ 100% |
| Change in cash | - | -€20,653 | €6,577 | €7,797 | -€316 | ▼ 104% |
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
Next filing, fiscal year 2026, expected by
2025
10-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
15-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
27-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
22-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
12-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Highest result since 2019net €21,832 ▲57.7%
Operating result €30,912, net result €21,832, both a record.
30-06
Financial
Equity above €200,000Eq €218,312 ▲11.1%
3 profitable years in a row build equity to €218,312.
2020
03-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
11-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
27-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
04-11
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
05-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Zwevegem · 1 establishment unit since 2006
Ground area
914 m²
Building footprint
147 m²
Volume, LiDAR
583 m³
Parcel 34014B0624/00V000, Flanders · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Finprobel
since 20062.153.550.052
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34014B0624/00V000 | Flanders | 914 m² | 1 · 146 m² | 7.4 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 778 EUR awarded · 777 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 275 EUR | 549 EUR |
| 2024 | 1 | 275 EUR | 0 EUR |
| 2022 | 1 | 228 EUR | 228 EUR |
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Of 82,642 companies in sector 70200 we hold annual accounts for 52,590. 38,863 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
Founded11-04-2006
Fiscal year end30-06
Activities, NACEBEL 2025
70200Business and other management consultancy
64210Activities of holding companies
Contact
Phone
0497/ 05 08 02Zwevegem
E-invoicing
Reachable via Peppol
Peppol ID
0208:0880642016
Also
9925:BE0880642016
Registered
13-09-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.