FINSANA
ActiveFINSANA has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €222k and a net result of €-3k. Equity remains stable across the filed fiscal years (±1.6% per year). Its solvency ranks better than 95% of 31510 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-27
Solvency100=
Growth58=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 37.74 against 5.71 in 2024), and 2.3% 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 70
Relative position
BE, all sectors
reference
Sector 70
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
13 d early
2023
6 d early
2022
21 d early
2021
9 d late
2020
26 d early
2019
69 d late
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€222k▼ 1.4%
2024 · €225k
2018: €253k
2019: €258k
2020: €221k
2021: €192k
2022: €197k
2023: €213k
2024: €225k
2018 → 2025
Total assets
€227k▼ 16.7%
2024 · €273k
2018: €266k
2019: €284k
2020: €276k
2021: €254k
2022: €274k
2023: €287k
2024: €273k
2018 → 2025
Net result
€-3k
2024 · €12k
2018: €-16k
2019: €6k
2020: €-37k
2021: €-29k
2022: €5k
2023: €16k
2024: €12k
2018 → 2025
Working capital
€194k▼ 13.7%
2024 · €225k
2018: €253k
2019: €258k
2020: €202k
2021: €177k
2022: €187k
2023: €207k
2024: €225k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€192k-€197k▲ 2.8%€213k▲ 8.0%€225k▲ 5.8%€222k▼ 1.4%
Operating result€-30k-€6k€15k▲ 137%€10k▼ 34.1%€-6k
Net result€-29k-€5k€16k▲ 197%€12k▼ 21.4%€-3k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €6k after €10k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €227k
Fixed assets
€28k▲ 6,074%
Current assets
€199k▼ 26.9%
Equity and liabilities €227k
Equity
€222k▼ 1.4%
Debt
€5k▼ 88.9%
The debt ratio falls from 17.5% to 2.3%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€-4k▼
2024 · €15k
Cash flow
€-1k▼
2024 · €17k
Solvency
97.7%▲
2024 · 82.5%
Current ratio
37.74▲
2024 · 5.71
Quick ratio
37.74▲
2024 · 5.71
Debt / equity
0.02▼
2024 · 0.21
ROE
-1.4%▼
2024 · 5.5%
ROA
-1.4%▼
2024 · 4.5%
Interest coverage
-2.69▼
2024 · 26.11
Debt
€5k▼
2024 · €48k
Debt ≤ 1 year
€5k▼
2024 · €48k
Income taxes
€-179▼
2024 · €215
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€273k€227k▼
Fixed assets21/28€456€28k▲
Tangible fixed assets22/27€456€28k▲
Furniture and vehicles24€456€28k▲
Current assets29/58€272k€199k▼
Amounts receivable within one year40/41-€4k
Trade receivables40-€1k
Other amounts receivable41-€3k
Current investments50/53€125k€113k▼
Cash at bank and in hand54/58€147k€82k▼
Deferred charges and accrued income490/1€901-
Equity and liabilities
Total equity and liabilities10/49€273k€227k▼
Equity10/15€225k€222k▼
Contributions10/11€19k€19k=
Capital10€19k-
Issued capital100€19k-
Reserves13€21k€21k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k-
Reserves not available under the articles1311-€2k
Tax-exempt reserves132€19k€19k=
Profit (loss) carried forward14€186k€183k▼
Amounts payable17/49€48k€5k▼
Amounts payable within one year42/48€48k€5k▼
Trade debts44€660€489▼
Suppliers440/4€660€489▼
Taxes, remuneration and social security45€47k€4k▼
Taxes450/3€2k-
Remuneration and social security454/9€45k€4k▼
Other amounts payable47/48€220€697▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€2k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€16k€-3k▼
Operating profit (loss)9901€10k€-6k▼
Financial income75/76B€3k€5k▲
Recurring financial income75€3k€5k▲
Financial charges65/66B€555€2k▲
Recurring financial charges65€555€2k▲
Profit (loss) for the period before taxes9903€13k€-3k▼
Income taxes67/77€215€-179▼
Profit (loss) for the period9904€12k€-3k▼
Profit (loss) for the period to be appropriated9905€12k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€186k€183k▼
Profit (loss) brought forward from the previous period14P€173k€186k▲
The notes to these accounts (5 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity times 7current ratio 37.74
Current ratio from 5.71 to 37.74; short-term debt falls from €48k to €5k.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €16k ▲197%
Operating result €15k, net result €16k, both a record.
31-12
Financial
Equity above €200kEq €213k ▲8%
2 profitable years in a row build equity to €213k.
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €5k
Net result €5k after 2 loss-making years.
09-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
2021
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-37k ▼723%
Net result drops to €-37k, the lowest in the series; recovery starts the following year.
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 69 days late
2019
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
13-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 44 days late
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 17 days late
2015
15-04
State Gazette act
Statutes amendment · General meeting
Director resignation · Board meeting
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2023
PROVÉ Luc Karel Julien
CurrentStatutair bestuurder · since 02-02-2023
02-02-2023
Resigned as Statutair bestuurder
02-02-2023
Appointed as Statutair bestuurder
Location & real-estate footprint
Registered office, Heist-op-den-Berg · 1 establishment unit since 2015
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.
Oude Liersebaan 1142220 Heist-op-den-BergGround area
1,416 m²
Building footprint
209 m²
Volume, LiDAR
1,058 m³
Parcel 12011A0077/00S000, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Finsana & Fincasa Agencies
since 20152.302.725.263
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12011A0077/00S000 | Flanders | 1,416 m² | 1 · 209 m² | 7.5 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.
Recognitions · licences · registrations
Legal Entity Identifier
254900TNP6T7QU6JS405
Similar companies · same sector, comparable size
ADSENSO
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YPSM Consulting
BE 0589.956.473
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VLOVAN
BE 0550.966.730
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RONAX
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Wetteren · Eq €222k
Of 82,218 companies in sector 70200 we hold annual accounts for 52,395. 39,281 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-01-2009
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:luc@finsana.be
Phone:+3215243509