FINT
ActiveSummary
FINT has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €849k and a net result of €423. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 90% of 37953 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability19▼-50
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity ample (current ratio 11.63; short-term debt: 8.3% and cash: 4.8% of total assets), and 8.3% of the assets are financed with debt.
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Signals
Four 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
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← 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
91.7%
Return on assets
0%
Age of the figures
21 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 · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
60 d late
2023
65 d late
2022
31 d late
2021
30 d late
2020
31 d late
2019
31 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€849k=
2023 · €849k
Total assets
€926k▲ 8.7%
2023 · €852k
Net result
€423▲ 11.7%
2023 · €379
Working capital
€817k▲ 2.1%
2023 · €800k
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
Line20202021202220232024
Operating result€41k▼ 59.4%€-4k€-10k▼ 129%€-8k▲ 23.7%€-40k▼ 405%
Net result€41k▼ 50.7%€237▼ 99.4%€4k▲ 1,394%€379▼ 89.3%€423▲ 11.7%
Equity€838k▲ 5.2%€839k=€848k▲ 1.2%€849k=€849k=
Total assets€840k▲ 3.1%€841k▲ 0.1%€854k▲ 1.5%€852k▼ 0.3%€926k▲ 8.7%
Debt€2k▼ 89.2%€3k▲ 50.0%€6k▲ 105%€3k▼ 50.7%€77k▲ 2,564%
Working capital€827k▲ 6.6%€757k▼ 8.4%€783k▲ 3.5%€800k▲ 2.1%€817k▲ 2.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €40k in 2024 against €8k in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €926k
Fixed assets
€33k ▼ 33.3%
Current assets
€893k ▲ 11.3%
Equity and liabilities €926k
Equity
€849k =
Debt
€77k ▲ 2,564%
Debt's share of the balance-sheet total rises from 0.3% to 8.3%. Debt is higher.
Key figures and ratios
EBITDA
€-23k▼
2023 · €8k
Cash flow
€17k▲
2023 · €17k
Current ratio
11.63
Debt to equity
0.09▲
2023 · 0.00
ROE
0.0%▲
2023 · 0.0%
ROA
0.0%▲
2023 · 0.0%
Interest coverage
-538.37▼
2023 · 215.38
Debt ≤ 1 year
€77k▲
2023 · €3k
Income taxes
€518▼
2023 · €561
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11k | €11k | €17k | €16k | €16k | = |
| Other operating charges640/8 | - | €2k | €1k | €727 | €2k | ▲ 109% |
| Gross operating margin9900 | €53k | €9k | €8k | €9k | €-22k | ▼ 340% |
| Operating profit (loss)9901 | €41k | €-4k | €-10k | €-8k | €-40k | ▼ 405% |
| Financial income75/76B | - | €7k | €15k | €9k | €41k | ▲ 360% |
| Recurring financial income75 | €13k | €7k | €15k | €9k | €41k | ▲ 360% |
| Financial charges65/66B | - | €37 | €73 | €39 | €44 | ▲ 11.5% |
| Recurring financial charges65 | €1k | €37 | €73 | €39 | €44 | ▲ 11.5% |
| Profit (loss) for the period before taxes9903 | €53k | €2k | €5k | €940 | €941 | ▲ 0.1% |
| Income taxes67/77 | €12k | €2k | €1k | €561 | €518 | ▼ 7.7% |
| Profit (loss) for the period9904 | €41k | €237 | €4k | €379 | €423 | ▲ 11.7% |
| Profit (loss) for the period to be appropriated9905 | €41k | €237 | €4k | €379 | €423 | ▲ 11.7% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €840k | €841k | €854k | €852k | €926k | ▲ 8.7% |
| Fixed assets21/28 | €12k | €82k | €65k | €49k | €33k | ▼ 33.3% |
| Tangible fixed assets22/27 | €12k | €82k | €65k | €49k | €33k | ▼ 33.3% |
| Furniture and vehicles24 | - | €82k | €65k | €49k | €33k | ▼ 33.3% |
| Current assets29/58 | €828k | €760k | €789k | €803k | €893k | ▲ 11.3% |
| Amounts receivable after more than one year29 | - | €16k | €11k | €5k | €813k | ▲ 14,933% |
| Other amounts receivable291 | - | €16k | €11k | €5k | €813k | ▲ 14,933% |
| Amounts receivable within one year40/41 | €12k | €50k | €25k | €39k | €36k | ▼ 7.2% |
| Trade receivables40 | - | €42k | €22k | €8k | €3k | ▼ 69.0% |
| Other amounts receivable41 | - | €8k | €3k | €30k | €33k | ▲ 9.7% |
| Current investments50/53 | €509k | €513k | €523k | €529k | - | - |
| Cash at bank and in hand54/58 | €286k | €181k | €230k | €230k | €45k | ▼ 80.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €840k | €841k | €854k | €852k | €926k | ▲ 8.7% |
| Equity10/15 | €838k | €839k | €848k | €849k | €849k | = |
| Contributions10/11 | €12k | €12k | €19k | €19k | €19k | = |
| Reserves13 | €826k | €826k | €830k | €830k | €831k | ▲ 0.1% |
| Non-distributable reserves130/1 | - | €2k | €2k | €2k | - | - |
| Reserves not available under the articles1311 | - | €2k | €2k | €2k | - | - |
| Distributable reserves133 | - | €824k | €828k | €828k | €831k | ▲ 0.3% |
| Amounts payable17/49 | €2k | €3k | €6k | €3k | €77k | ▲ 2,564% |
| Amounts payable within one year42/48 | €2k | €3k | €6k | €3k | €77k | ▲ 2,564% |
| Trade debts44 | €2k | €3k | €3k | €3k | €2k | ▼ 35.6% |
| Suppliers440/4 | - | €3k | €3k | €3k | €2k | ▼ 35.6% |
| Taxes, remuneration and social security45 | - | - | €3k | - | - | - |
| Taxes450/3 | - | - | €3k | - | - | - |
| Other amounts payable47/48 | - | - | - | - | €75k | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €41k | €237 | €4k | €379 | €423 | ▲ 11.7% |
| + Depreciation and write-downs630 | €11k | €11k | €17k | €16k | €16k | = |
| Operating cash flow (approximation) | €53k | €12k | €20k | €17k | €17k | ▲ 0.3% |
| Investment in fixed assets (approximation) | - | €-81k | €0 | €0 | €0 | - |
| Change in cash | - | €-106k | €49k | €165 | €-186k | ▼ 112,906% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
04-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 65 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 278.32
Current ratio from 134.77 to 278.32; short-term debt falls from €6k to €3k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Weakest financial yearnet €237 ▼99.4%
Net result drops to €237, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Liquidity times 10current ratio 434.12
Current ratio from 44.87 to 434.12; short-term debt falls from €18k to €2k.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 31 days late
2019
31-12
Financial
Highest result since 2018net €84k ▲4%
Net result €84k, the highest in the series.
31-12
Financial
Liquidity quadruplescurrent ratio 44.87
Current ratio from 11.80 to 44.87; short-term debt falls from €71k to €18k.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
Show earlier events
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Heusden-Zolder · 1 establishment unit since 2014
Ground area
1,036 m²
Building footprint
198 m²
Volume, LiDAR
1 m³
Parcel 71502C0210/00R000, Flanders · tallest building 0.4 m. Linked by address, not a title deed.
1 establishment unit
FINDATA
since 20142.236.833.163
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71502C0210/00R000 | Flanders | 1,036 m² | 1 · 198 m² | 0.4 m |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,632 companies in sector 70200 we hold annual accounts for 52,575. 29,621 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
Founded19-11-2014
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
18200Printing and reproduction of recorded media
68121Development of residential building projects
68122Development of non-residential building projects
46431Wholesale of electrical household appliances and audio-video equipment
47540Retail sale of electrical household appliances
Scores and ratios are computed by Checked and are not a credit decision.