FinSkills
ActiveFinSkills has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €51k and a net result of €28k. Equity is growing by ~6.6% per year across the filed fiscal years. Its solvency ranks better than 36% of 31697 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability95▲+48
Solvency63▼-20
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 1.61 against 2.33 in 2024; short-term debt: 61.9% and cash: 40.9% of total assets), but 61.9% 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 · 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
38.1%
Return on assets
21%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 23-11-2025, 158 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
158 d early
2024
154 d early
2023
140 d early
2022
138 d early
2021
40 d early
2020
134 d early
2019
55 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€51k▲ 6.2%
2024 · €48k
2019: €28k
2020: €37k
2021: €47k
2022: €43k
2023: €47k
2024: €48k
2019 → 2025
Total assets
€133k▲ 60.5%
2024 · €83k
2019: €224k
2020: €206k
2021: €194k
2022: €176k
2023: €194k
2024: €83k
2019 → 2025
Net result
€28k▲ 2,945%
2024 · €918
2019: €40k
2020: €9k
2021: €50k
2022: €-4k
2023: €24k
2024: €918
2019 → 2025
Working capital
€51k▲ 8.0%
2024 · €47k
2019: €65k
2020: €124k
2021: €87k
2022: €88k
2023: €145k
2024: €47k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€47k-€43k▼ 8.6%€47k▲ 9.1%€48k▲ 2.0%€51k▲ 6.2%
Operating result€55k-€-3k€27k€2k▼ 91.2%€39k▲ 1,514%
Net result€50k-€-4k€24k€918▼ 96.2%€28k▲ 2,945%
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 1,514% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €133k
Equity
€51k▲ 6.2%
Debt
€82k▲ 134%
The debt ratio rises from 42.4% to 61.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€39k▲
2024 · €4k
Cash flow
€29k▲
2024 · €2k
Solvency
38.1%▼
2024 · 57.6%
Current ratio
1.61▼
2024 · 2.33
Quick ratio
1.61▼
2024 · 2.33
Debt / equity
1.63▲
2024 · 0.74
ROE
55.2%▲
2024 · 1.9%
ROA
21.0%▲
2024 · 1.1%
Interest coverage
408.90▲
2024 · 3.24
Debt
€82k▲
2024 · €35k
Debt ≤ 1 year
€82k▲
2024 · €35k
Income taxes
€10k▲
2024 · €334
Staff costs
€-898
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€83k€133k▲
Fixed assets21/28€827€0▼
Tangible fixed assets22/27€827€0▼
Furniture and vehicles24€827€0▼
Current assets29/58€82k€133k▲
Amounts receivable within one year40/41€39k€79k▲
Trade receivables40€39k€79k▲
Other amounts receivable41€0-
Cash at bank and in hand54/58€43k€54k▲
Equity and liabilities
Total equity and liabilities10/49€83k€133k▲
Equity10/15€48k€51k▲
Contributions10/11€20k€20k=
Reserves13€27k€30k▲
Distributable reserves133€27k€30k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€35k€82k▲
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€35k€82k▲
Trade debts44€15k€4k▼
Suppliers440/4€15k€4k▼
Taxes, remuneration and social security45€20k€53k▲
Taxes450/3€18k€38k▲
Remuneration and social security454/9€2k€15k▲
Other amounts payable47/48-€25k
Income statement
Code20242025
Remuneration, social security and pensions62-€-898
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€827▼
Other operating charges640/8€11k€3k▼
Gross operating margin9900€15k€41k▲
Operating profit (loss)9901€2k€39k▲
Financial charges65/66B€1k€96▼
Recurring financial charges65€1k€96▼
Profit (loss) for the period before taxes9903€1k€38k▲
Income taxes67/77€334€10k▲
Profit (loss) for the period9904€918€28k▲
Profit (loss) for the period to be appropriated9905€918€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€918€28k▲
Transfer to equity691/2€918€3k▲
To other reserves6921€918€3k▲
Profit to be distributed694/7€0€25k▲
Return on contributions (dividend)694-€25k
Directors or managers695€0-
The notes to these accounts (8 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
2025
23-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
27-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
12-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-09
Financial
Back to profitnet €24k
Net result €24k after one loss-making year.
2022
13-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-09
Financial
Weakest financial yearnet €-4k ▼108%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
21-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Highest result since 2019net €50k ▲474%
Operating result €55k, net result €50k, both a record.
2020
17-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-09
Financial
Liquidity doublescurrent ratio 2.94
Current ratio from 1.44 to 2.94; short-term debt falls from €146k to €64k.
06-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Geraardsbergen · 1 establishment unit since 2017
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.
Oudenaardsestraat 489500 GeraardsbergenGround area
289 m²
Building footprint
161 m²
Volume, LiDAR
1,214 m³
Parcel 41018A0886/00S000, Flanders · tallest building 13.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Finskills
since 20172.270.795.536
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41018A0886/00S000 | Flanders | 289 m² | 1 · 161 m² | 12.9 m · 3 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
RIJKEROOI
BE 0882.456.015
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E-CONNECT SERVICES
BE 0652.788.026
Hoogstraten · Eq €51k
Habitat & Consulting Services
BE 0542.753.897
Marche-en-Famenne · Eq €51k
JRX CONSULTING
BE 1020.088.424
Sint-Truiden · Eq €51k
OBERON CONSULTING
BE 0877.810.903
Peer · Eq €51k
Of 82,569 companies in sector 70200 we hold annual accounts for 52,577. 38,122 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-11-2017
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
78200Temporary employment agencies and other provision of personnel
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:info@finskills.be