Finstratum DMC
ActiveFinstratum DMC has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €2.84M and a net result of €1.91M. Equity is growing by ~17.1% per year across the filed fiscal years. Its solvency ranks better than 79% of 8073 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
100
/ 100
Excellent= vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €280k at 30 days acceptable
Liquidity ample (current ratio 4.1 against 4.42 in 2023), and 17.1% 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 2024Solvency, return and age of the figures
Solvency
82.9%
Return on assets
55.8%
Age of the figures
20 mo
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 · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 20-08-2025, 20 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
20 d late
2023
71 d early
2022
97 d early
2021
95 d early
2020
10 d early
2019
57 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€2.84M▲ 176%
2023 · €1.03M
2019: €531k
2019: €671k
2020: €607k
2021: €817k
2022: €856k
2023: €1.03M
2019 → 2024
Total assets
€3.43M▲ 185%
2023 · €1.20M
2019: €618k
2019: €937k
2020: €707k
2021: €872k
2022: €962k
2023: €1.20M
2019 → 2024
Net result
€1.91M▲ 585%
2023 · €279k
2019: €155k
2019: €309k
2020: €28k
2021: €327k
2022: €196k
2023: €279k
2019 → 2024
Working capital
€1.82M▲ 209%
2023 · €587k
2019: €245k
2019: €382k
2020: €329k
2021: €544k
2022: €575k
2023: €587k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€607k-€817k▲ 34.6%€856k▲ 4.7%€1.03M▲ 20.3%€2.84M▲ 176%
Operating result€36k-€472k▲ 1,210%€279k▼ 41.0%€402k▲ 44.4%€2.72M▲ 575%
Net result€28k-€327k▲ 1,072%€196k▼ 40.0%€279k▲ 42.2%€1.91M▲ 585%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 575% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €3.43M
Fixed assets
€1.03M▲ 132%
Current assets
€2.40M▲ 216%
Equity and liabilities €3.43M
Equity
€2.84M▲ 176%
Debt
€586k▲ 241%
The debt ratio rises from 14.3% to 17.1%: debt grows faster than equity.
Key figures and ratios
EBITDA
€2.73M▲
2023 · €414k
Cash flow
€1.92M▲
2023 · €290k
Solvency
82.9%▼
2023 · 85.7%
Current ratio
4.10▼
2023 · 4.42
Quick ratio
4.10▼
2023 · 4.42
Debt / equity
0.21▲
2023 · 0.17
ROE
67.2%▲
2023 · 27.1%
ROA
55.8%▲
2023 · 23.2%
Interest coverage
157.34▼
2023 · 2887.60
Debt
€586k▲
2023 · €172k
Debt ≤ 1 year
€586k▲
2023 · €172k
Income taxes
€836k▲
2023 · €125k
Staff costs
€18k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.20M€3.43M▲
Fixed assets21/28€442k€1.03M▲
Tangible fixed assets22/27€191k€180k▼
Land and buildings22€174k€168k▼
Furniture and vehicles24€17k€11k▼
Financial fixed assets28€252k€848k▲
Current assets29/58€759k€2.40M▲
Amounts receivable after more than one year29€90k€90k=
Other amounts receivable291€90k€90k=
Amounts receivable within one year40/41€405€3k▲
Trade receivables40-€2k
Other amounts receivable41€405€901▲
Current investments50/53€273k€1.03M▲
Cash at bank and in hand54/58€393k€1.28M▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€1.20M€3.43M▲
Equity10/15€1.03M€2.84M▲
Contributions10/11€2k€2k=
Reserves13€1.03M€2.43M▲
Distributable reserves133€1.03M€2.43M▲
Profit (loss) carried forward14-€412k
Amounts payable17/49€172k€586k▲
Amounts payable within one year42/48€172k€586k▲
Trade debts44€1k€10k▲
Suppliers440/4€1k€10k▲
Taxes, remuneration and social security45€85k€483k▲
Taxes450/3€85k€481k▲
Remuneration and social security454/9-€2k
Other amounts payable47/48€86k€92k▲
Income statement
Code20232024
Remuneration, social security and pensions62-€18k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k▼
Other operating charges640/8€4k€5k▲
Gross operating margin9900€418k€2.75M▲
Operating profit (loss)9901€402k€2.72M▲
Financial income75/76B€2k€49k▲
Recurring financial income75€2k€25k▲
Non-recurring financial income76B-€24k
Financial charges65/66B€143€18k▲
Recurring financial charges65€143€17k▲
Non-recurring financial charges66B-€688
Profit (loss) for the period before taxes9903€404k€2.75M▲
Income taxes67/77€125k€836k▲
Profit (loss) for the period9904€279k€1.91M▲
Profit (loss) for the period to be appropriated9905€279k€1.91M▲
Appropriation of the result
Profit (loss) to be appropriated9906€279k€1.91M▲
Transfer from equity791/2€105k€98k▼
Transfer to equity691/2€279k€1.50M▲
To other reserves6921€279k€1.50M▲
Profit to be distributed694/7€105k€98k▼
Return on contributions (dividend)694€105k€98k▼
Social balance
Average headcount (FTE)9087-0.4
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 20 days late
2024
31-12
Financial
Highest result since 2019net €1.91M ▲585%
Operating result €2.72M, net result €1.91M, both a record.
31-12
Financial
Equity above €2MEq €2.84M ▲176%
7 profitable years in a row build equity to €2.84M.
21-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €1MEq €1.03M ▲20.3%
6 profitable years in a row build equity to €1.03M.
25-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity triplescurrent ratio 10.98
Current ratio from 4.28 to 10.98; short-term debt falls from €100k to €55k.
21-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €28k ▼91%
Net result drops to €28k, the lowest in the series; recovery starts the following year.
04-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
20-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
28-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
10-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
09-12
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.
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, Pajottegem · 1 establishment unit since 2012
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.
Druimerenstraat(HN) 281540 PajottegemGround area
2.1 ha
Building footprint
156 m²
Volume, LiDAR
1,007 m³
Parcel 23031C0752/00P000, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Finstratum DMC
since 20122.209.457.981
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23031C0752/00P000 | Flanders | 2.1 ha | 1 · 156 m² | 9.9 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
549300U5OPUVDPQ6TH73
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Of 82,241 companies in sector 70200 we hold annual accounts for 52,391. 16,330 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-05-2012
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0495381781