FINSOFT
ActiveSummary
FINSOFT has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €357k and a net result of €-107. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 95% of 17090 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability39▲+22
Solvency100=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 6.07 against 10.26 in 2024; short-term debt: 3.1% and cash: 11.1% of total assets), and 3.2% 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 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% 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
96.8%
Return on assets
0%
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 27-03-2026, 34 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
34 d early
2024
33 d early
2023
36 d early
2022
27 d early
2021
44 d early
2020
58 d early
2019
20 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€357k=
2024 · €357k
Total assets
€368k▲ 1.0%
2024 · €365k
Net result
€-107▲ 97.3%
2024 · €-4k
Working capital
€57k▲ 8.6%
2024 · €53k
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€-868€-834▲ 4.0%€-1k▼ 28.9%€-10k▼ 791%€-5k▲ 45.8%
Net result€1k▼ 81.5%€6k▲ 382%€6k▲ 9.3%€-4k€-107▲ 97.3%
Equity€674k▲ 0.2%€679k▲ 0.8%€685k▲ 0.9%€357k▼ 47.9%€357k=
Total assets€686k▲ 1.5%€690k▲ 0.6%€695k▲ 0.7%€365k▼ 47.5%€368k▲ 1.0%
Debt€12k▲ 277%€11k▼ 14.0%€9k▼ 11.8%€8k▼ 17.2%€12k▲ 50.1%
Working capital€378k▼ 1.1%€392k▲ 3.6%€395k▲ 0.9%€53k▼ 86.7%€57k▲ 8.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €5k in 2025 against €10k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €368k
Fixed assets
€300k ▼ 2.1%
Current assets
€68k ▲ 17.4%
Equity and liabilities €368k
Equity
€357k =
Debt
€12k ▲ 50.1%
Debt's share of the balance-sheet total rises from 2.1% to 3.2%. Debt is higher.
Key figures and ratios
EBITDA
€1k▲
2024 · €-4k
Cash flow
€6k▲
2024 · €2k
Current ratio
6.07▼
2024 · 10.26
Debt to equity
0.03▲
2024 · 0.02
ROE
0.0%▲
2024 · -1.1%
ROA
0.0%▲
2024 · -1.1%
Interest coverage
2.46▲
2024 · -5.61
Debt ≤ 1 year
€11k▲
2024 · €6k
Income taxes
€188▲
2024 · €164
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4k | €7k | €4k | €6k | €6k | ▲ 7.0% |
| Other operating charges640/8 | - | €5k | €5k | €5k | €5k | ▲ 2.2% |
| Gross operating margin9900 | €8k | €10k | €8k | €2k | €6k | ▲ 315% |
| Operating profit (loss)9901 | €-868 | €-834 | €-1k | €-10k | €-5k | ▲ 45.8% |
| Financial income75/76B | - | €7k | €8k | €6k | €6k | ▼ 11.5% |
| Recurring financial income75 | €3k | €7k | €8k | €6k | €6k | ▼ 11.5% |
| Financial charges65/66B | - | €636 | €629 | €650 | €469 | ▼ 27.8% |
| Recurring financial charges65 | €604 | €636 | €629 | €650 | €469 | ▼ 27.8% |
| Profit (loss) for the period before taxes9903 | €1k | €6k | €6k | €-4k | €80 | ▲ 102% |
| Income taxes67/77 | €193 | €153 | €157 | €164 | €188 | ▲ 14.8% |
| Profit (loss) for the period9904 | €1k | €6k | €6k | €-4k | €-107 | ▲ 97.3% |
| Profit (loss) for the period to be appropriated9905 | €1k | €6k | €6k | €-4k | €-107 | ▲ 97.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €686k | €690k | €695k | €365k | €368k | ▲ 1.0% |
| Fixed assets21/28 | €296k | €289k | €290k | €306k | €300k | ▼ 2.1% |
| Tangible fixed assets22/27 | €70k | €64k | €65k | €81k | €75k | ▼ 7.8% |
| Land and buildings22 | - | €58k | €56k | €76k | €72k | ▼ 4.8% |
| Plant, machinery and equipment23 | - | - | €5k | €4k | €3k | ▼ 27.5% |
| Furniture and vehicles24 | - | €6k | €4k | €2k | - | - |
| Financial fixed assets28 | €225k | €225k | €225k | €225k | €225k | = |
| Current assets29/58 | €390k | €400k | €404k | €58k | €68k | ▲ 17.4% |
| Amounts receivable within one year40/41 | €10k | €11k | €4k | €4k | €4k | ▲ 1.7% |
| Other amounts receivable41 | - | €11k | €4k | €4k | €4k | ▲ 1.7% |
| Cash at bank and in hand54/58 | €372k | €376k | €385k | €37k | €41k | ▲ 11.5% |
| Deferred charges and accrued income490/1 | - | €13k | €15k | €18k | €23k | ▲ 33.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €686k | €690k | €695k | €365k | €368k | ▲ 1.0% |
| Equity10/15 | €674k | €679k | €685k | €357k | €357k | = |
| Contributions10/11 | - | €424k | €424k | €99k | €99k | = |
| Reserves13 | €245k | €245k | €245k | €245k | €245k | = |
| Non-distributable reserves130/1 | - | €10k | €10k | - | - | - |
| Reserves not available under the articles1311 | - | €10k | €10k | - | - | - |
| Tax-exempt reserves132 | - | €15k | €15k | €15k | €15k | = |
| Distributable reserves133 | - | €220k | €220k | €230k | €230k | = |
| Profit (loss) carried forward14 | €5k | €10k | €16k | €12k | €12k | ▼ 0.9% |
| Amounts payable17/49 | €12k | €11k | €9k | €8k | €12k | ▲ 50.1% |
| Amounts payable within one year42/48 | €12k | €9k | €9k | €6k | €11k | ▲ 98.5% |
| Trade debts44 | €12k | €9k | €9k | €14 | €2k | ▲ 12,930% |
| Suppliers440/4 | - | €9k | €9k | €14 | €2k | ▲ 12,930% |
| Taxes, remuneration and social security45 | - | €153 | - | - | €188 | - |
| Taxes450/3 | - | €153 | - | - | €188 | - |
| Other amounts payable47/48 | - | - | €5 | €6k | €9k | ▲ 64.5% |
| Accrued charges and deferred income492/3 | - | €2k | €384 | €2k | €400 | ▼ 81.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1k | €6k | €6k | €-4k | €-107 | ▲ 97.3% |
| + Depreciation and write-downs630 | €4k | €7k | €4k | €6k | €6k | ▲ 7.0% |
| Operating cash flow (approximation) | €6k | €12k | €10k | €2k | €6k | ▲ 209% |
| Investment in fixed assets (approximation) | - | €-440 | €-5k | €-22k | €0 | ▲ 100% |
| Change in cash | - | €3k | €9k | €-348k | €4k | ▲ 101% |
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
2026
27-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
17-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
03-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Back to profitnet €6k
Net result €6k after 2 loss-making years.
10-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
05-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Florennes · 1 establishment unit since 1990
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.
Rue du Vieux-Moulin, Hanzinelle 2535620 Florennes1 establishment unit
Rue du Vieux-Moulin, Hanzinelle 253, 5620 Florennes
since 19902.032.378.048
Recognitions · licences · registrations
Food safety, FASFC
1 siteFlorennes2.032.378.048
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Of 16,901 companies in sector 62100 we hold annual accounts for 8,772. 5,967 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
Founded02-04-1986
Fiscal year end30-09
Activities, NACEBEL 2025
62100Computer programming
Scores and ratios are computed by Checked and are not a credit decision.