FinStrat
ActiveSummary
The computed 12-month bankruptcy probability of FinStrat is 2.2% (moderate). The 2025 annual accounts show equity of €138k and a net result of €39k. Equity is growing by ~40.7% per year across the filed fiscal years. Its solvency ranks better than 79% of 7058 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability98▼-2
Solvency100▲+3
Growth52=
Track record94
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 4.46 against 2.31 in 2024; short-term debt: 16.3% and cash: 4.8% of total assets), and 18.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
81.7%
Return on assets
23.3%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 27-02-2026, 27 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filingsDeviation from the deadline
2025
27 d late
2024
16 d early
2023
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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close25-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€138k▲ 39.8%
2024 · €99k
2023: €58klowest in 3 years
2024: €99k▲ +71.2% vs 2023
2025: €138k▲ +39.8% vs 2024highest in 3 years
2023 → 2025
Total assets
€169k▲ 23.5%
2024 · €137k
2023: €82klowest in 3 years
2024: €137k▲ +67.4% vs 2023
2025: €169k▲ +23.5% vs 2024highest in 3 years
2023 → 2025
Net result
€39k▼ 4.2%
2024 · €41k
2023: €53khighest in 3 years
2024: €41k▼ -22.0% vs 2023
2025: €39k▼ -4.2% vs 2024lowest in 3 years
2023 → 2025
Working capital
€96k▲ 91.7%
2024 · €50k
2023: €32klowest in 3 years
2024: €50k▲ +55.9% vs 2023
2025: €96k▲ +91.7% vs 2024highest in 3 years
2023 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€58k-€99k▲ 71.2%€138k▲ 39.8%
2023: €58klowest in 3 years
2024: €99k▲ +71.2% vs 2023
2025: €138k▲ +39.8% vs 2024highest in 3 years
Operating result€68k-€53k▼ 21.9%€45k▼ 14.4%
2023: €68khighest in 3 years
2024: €53k▼ -21.9% vs 2023
2025: €45k▼ -14.4% vs 2024lowest in 3 years
Net result€53k-€41k▼ 22.0%€39k▼ 4.2%
2023: €53khighest in 3 years
2024: €41k▼ -22.0% vs 2023
2025: €39k▼ -4.2% vs 2024lowest in 3 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 14% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €169k
Fixed assets
€46k ▼ 6.4%
Current assets
€123k ▲ 40.2%
Equity and liabilities €169k
Equity
€138k ▲ 39.8%
Debt
€31k ▼ 18.8%
Debt's share of the balance-sheet total falls from 27.8% to 18.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€51k▼
2024 · €66k
Cash flow
€45k▼
2024 · €54k
Current ratio
4.46▲
2024 · 2.31
Debt to equity
0.22▼
2024 · 0.39
ROE
28.5%▼
2024 · 41.6%
ROA
23.3%▼
2024 · 30.0%
Interest coverage
113.15▼
2024 · 566.99
Debt ≤ 1 year
€28k▼
2024 · €38k
Debt > 1 year
€3k
Income taxes
€10k▼
2024 · €12k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€137k€169k▲
Fixed assets21/28€49k€46k▼
Intangible fixed assets21€34k€34k=
Tangible fixed assets22/27€15k€12k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€13k€11k▼
Current assets29/58€88k€123k▲
Amounts receivable within one year40/41€82k€115k▲
Trade receivables40€73k€60k▼
Other amounts receivable41€9k€56k▲
Cash at bank and in hand54/58€6k€8k▲
Equity and liabilities
Total equity and liabilities10/49€137k€169k▲
Equity10/15€99k€138k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€94k€133k▲
Amounts payable17/49€38k€31k▼
Amounts payable after more than one year17-€3k
Financial debts170/4-€3k
Amounts payable within one year42/48€38k€28k▼
Financial debts43-€2k
Credit institutions430/8-€2k
Trade debts44€19k€2k▼
Suppliers440/4€19k€2k▼
Taxes, remuneration and social security45€19k€23k▲
Taxes450/3€17k€21k▲
Remuneration and social security454/9€2k€2k▲
Other amounts payable47/48-€858
Income statement
Code20242025
Non-recurring operating income76A€6k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€6k▼
Other operating charges640/8€1k€911▼
Non-recurring operating charges66A-€4k
Gross operating margin9900€67k€56k▼
Operating profit (loss)9901€53k€45k▼
Financial income75/76B€100€5k▲
Recurring financial income75€100€230▲
Non-recurring financial income76B€100€4k▲
Financial charges65/66B€117€454▲
Recurring financial charges65€117€454▲
Profit (loss) for the period before taxes9903€53k€49k▼
Income taxes67/77€12k€10k▼
Profit (loss) for the period9904€41k€39k▼
Profit (loss) for the period to be appropriated9905€41k€39k▼
Appropriation of the result
Profit (loss) to be appropriated9906€94k€133k▲
Profit (loss) brought forward from the previous period14P€53k€94k▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Non-recurring operating income76A | - | €6k | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12k | €13k | €6k | ▼ 54.2% |
| Other operating charges640/8 | €1k | €1k | €911 | ▼ 11.4% |
| Non-recurring operating charges66A | - | - | €4k | - |
| Gross operating margin9900 | €81k | €67k | €56k | ▼ 16.1% |
| Operating profit (loss)9901 | €68k | €53k | €45k | ▼ 14.4% |
| Financial income75/76B | - | €100 | €5k | ▲ 4,461% |
| Recurring financial income75 | - | €100 | €230 | ▲ 130% |
| Non-recurring financial income76B | - | €100 | €4k | ▲ 4,231% |
| Financial charges65/66B | €337 | €117 | €454 | ▲ 290% |
| Recurring financial charges65 | €337 | €117 | €454 | ▲ 290% |
| Profit (loss) for the period before taxes9903 | €68k | €53k | €49k | ▼ 6.6% |
| Income taxes67/77 | €15k | €12k | €10k | ▼ 14.7% |
| Profit (loss) for the period9904 | €53k | €41k | €39k | ▼ 4.2% |
| Profit (loss) for the period to be appropriated9905 | €53k | €41k | €39k | ▼ 4.2% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €82k | €137k | €169k | ▲ 23.5% |
| Fixed assets21/28 | €27k | €49k | €46k | ▼ 6.4% |
| Intangible fixed assets21 | - | €34k | €34k | = |
| Tangible fixed assets22/27 | €27k | €15k | €12k | ▼ 20.7% |
| Plant, machinery and equipment23 | €1k | €2k | €1k | ▼ 53.1% |
| Furniture and vehicles24 | €25k | €13k | €11k | ▼ 15.3% |
| Current assets29/58 | €55k | €88k | €123k | ▲ 40.2% |
| Amounts receivable within one year40/41 | €24k | €82k | €115k | ▲ 40.2% |
| Trade receivables40 | €24k | €73k | €60k | ▼ 18.9% |
| Other amounts receivable41 | €2 | €9k | €56k | ▲ 545% |
| Cash at bank and in hand54/58 | €31k | €6k | €8k | ▲ 39.8% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €82k | €137k | €169k | ▲ 23.5% |
| Equity10/15 | €58k | €99k | €138k | ▲ 39.8% |
| Contributions10/11 | €5k | €5k | €5k | = |
| Profit (loss) carried forward14 | €53k | €94k | €133k | ▲ 42.0% |
| Amounts payable17/49 | €24k | €38k | €31k | ▼ 18.8% |
| Amounts payable after more than one year17 | €1k | - | €3k | - |
| Financial debts170/4 | - | - | €3k | - |
| Other amounts payable178/9 | €1k | - | - | - |
| Amounts payable within one year42/48 | €23k | €38k | €28k | ▼ 27.4% |
| Financial debts43 | - | - | €2k | - |
| Credit institutions430/8 | - | - | €2k | - |
| Trade debts44 | €1k | €19k | €2k | ▼ 91.2% |
| Suppliers440/4 | €1k | €19k | €2k | ▼ 91.2% |
| Taxes, remuneration and social security45 | €22k | €19k | €23k | ▲ 20.7% |
| Taxes450/3 | €22k | €17k | €21k | ▲ 23.2% |
| Remuneration and social security454/9 | - | €2k | €2k | ▲ 1.0% |
| Other amounts payable47/48 | - | - | €858 | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €53k | €41k | €39k | ▼ 4.2% |
| + Depreciation and write-downs630 | €12k | €13k | €6k | ▼ 54.2% |
| Operating cash flow (approximation) | €64k | €54k | €45k | ▼ 16.3% |
| Investment in fixed assets (approximation) | - | €-35k | €-3k | ▲ 91.8% |
| Change in cash | - | €-25k | €2k | ▲ 109% |
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
08-09
State Gazette act
Registered officeRegistered-office move2 facts ▸
State Gazette act
Registered office
Registered-office move2 facts ▸
- General meeting, 01-04-2025
- Registered-office move, Avenue Louise 350, 1050 Ixelles
27-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
30-06
Financial
Weakest financial yearnet €39k ▼4.2%
Net result drops to €39k, the lowest in the series.
30-06
Financial
Equity above €100kEq €138k ▲39.8%
3 profitable years in a row build equity to €138k.
15-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
11-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 2 acts read
About the unread acts
Of the 2 Belgian State Gazette acts we know for this company, 1 has been read. The other one has not 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 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Elsene · 1 establishment unit since 2022
Ground area
1.3 ha
Building footprint
1,841 m²
Volume, LiDAR
35,807 m³
2 parcels, Brussels · tallest building 32.6 m, ±8 floors. Linked by address, not a title deed.
51
companies at this address
See who is registered here
1 establishment unit
Finstrat
since 20222.331.728.560
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21017D0205/00G000 | Brussels | 1.2 ha | 1 · 658 m² | 26.9 m · 8 fl. |
| 21807G0181/00P000 | Brussels | 1,180 m² | 1 · 1,184 m² | 32.6 m · 6 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 13,417 companies in sector 73300 we hold annual accounts for 6,898. 5,489 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
Founded25-05-2022
Fiscal year end30-06
Activities, NACEBEL 2025
73300Public relations and communication consultancy
70200Business and other management consultancy
71121Engineering and related technical consultancy, excluding land surveyors
Contact
E-mail
frthys@finstrat.be
Phone
+32473224549
Phone
0473224549Watermaal-Bosvoorde
Scores and ratios are computed by Checked and are not a credit decision.