Checked.be
Active
BE 0722.934.862Private limited company
FINT-CO
Bosstraat 127 ·3060 Bertem, Belgium· 7 yrs active
Sector: Business and other management consultancy
(70200)
Conclusion
FINT-CO has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €360k and a net result of €123k. Equity is growing by ~14.8% per year across the filed fiscal years. Its solvency ranks better than 56% of 37978 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Based on the State Gazette, CBE and 4 annual accounts.
Key figures
| Equity | €360k |
| Net result | €123k |
| Better than sector | 56% |
| Active | 7 yrs |
Financial profile
94
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
93
Profitability
100
Solvency
99
Growth
78
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
More than 3 years active
Founded in 2019, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
93
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€35k
estimate, not credit advice
Score history
93
2021
93
2022
98
2023
93
2024
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 2.62 (≥ 1.5)
+10
Quick ratio
Quick ratio 2.62 (≥ 1.0)
+5
Leverage
Debt/equity 0.55 (< 1.0)
+10
Profitability
ROE 34% (≥ 10%)
+10
Interest coverage
Interest coverage 4250.1× (≥ 3×)
+8
Profit trend
Net profit down YoY
-3
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview
Annual accounts filed on 02-06-2025 with the NBB · fiscal year 2024 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Net result: growth of ~7.3%/year over 4 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2024 · NACE 70, Activities of head offices; management consultancy activities · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 64.3% | 58.2% | |
| Net result | €123k | €26k | |
| Equity | €360k | €90k | |
| Gross operating margin | €194k | €52k | |
| Total assets | €559k | €189k |
€191k
+2.1%
21-24
€123k
-5.1%
21-24
€137k
-1.7%
21-24
€559k
+20.6%
21-24
€360k
+50.9%
21-24
€322k
+72.2%
21-24
€60k
+7.8%
21-24
€2k
-99.1%
21-24
€199k
-11.4%
21-24
€199k
-11.4%
21-24
2.62
+42.8%
21-24
2.62
+42.8%
21-24
64.3%
+25.1%
21-24
0.55
-41.3%
21-24
34.2%
-37.1%
21-24
22.0%
-21.3%
21-24
4250.05
+2.1%
21-24
Figures by fiscal year and ratios
| Fiscal year | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - |
| EBITDA | €191k | €187k | €139k | €139k |
| Net profit | €123k | €130k | €92k | €107k |
| Cash flow | €137k | €139k | €100k | €108k |
| Staff costs | - | - | - | - |
| Income taxes | €60k | €56k | €39k | €31k |
| Dividends | €2k | €196k | €2k | €2k |
| Total assets | €559k | €463k | €389k | €279k |
| Equity | €360k | €238k | €305k | €201k |
| Debt | €199k | €225k | €84k | €77k |
| of which ≤ 1y | €199k | €225k | €84k | €77k |
| of which > 1y | - | - | - | - |
| Working capital | €322k | €187k | €277k | €167k |
| Employees (FTE) | - | - | - | - |
Ratios (computed)
| 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|
| Current ratio | 2.62 | 1.83 | 4.30 | 3.16 |
| Quick ratio | 2.62 | 1.83 | 4.30 | 3.16 |
| Working capital ratio | 57.6% | 40.4% | 71.4% | 59.9% |
| Solvency | 64.3% | 51.4% | 78.4% | 72.3% |
| Debt / equity | 0.55 | 0.94 | 0.28 | 0.38 |
| Long-term debt ratio | - | - | - | - |
| Interest coverage | 4250.05 | 4160.72 | 3083.93 | 3094.34 |
| Gross margin | - | - | - | - |
| Net margin | - | - | - | - |
| ROA | 22.0% | 28.0% | 23.8% | 38.3% |
| ROE | 34.2% | 54.4% | 30.3% | 53.0% |
| EBITDA margin | - | - | - | - |
| Days sales outstanding | - | - | - | - |
| Days payable outstanding | - | - | - | - |
| Inventory turnover | - | - | - | - |
| Days inventory (DSI) | - | - | - | - |
Balance-sheet composition 2024
Full annual accounts (23 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Balance sheet, Assets | |||||
| TOTAL ASSETS | 20/58 | €559k | €463k | €389k | €279k |
| Fixed assets | 21/28 | €38k | €51k | €27k | €35k |
| Tangible fixed assets | 22/27 | €38k | €51k | €27k | €35k |
| Current assets | 29/58 | €521k | €412k | €361k | €244k |
| Amounts receivable within one year | 40/41 | €42k | €21k | €20k | €21k |
| Investments | 50/53 | €450k | €325k | €200k | - |
| Cash & bank | 54/58 | €29k | €66k | €141k | €224k |
| Balance sheet, Equity & liabilities | |||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €559k | €463k | €389k | €279k |
| Equity | 10/15 | €360k | €238k | €305k | €201k |
| Contributions / capital | 10/11 | €19k | €19k | €19k | €6k |
| Reserves | 13 | €341k | €220k | €90k | - |
| Accumulated profits (losses) | 14 | - | - | €196k | €195k |
| Amounts payable | 17/49 | €199k | €225k | €84k | €77k |
| Amounts payable within one year | 42/48 | €199k | €225k | €84k | €77k |
| Trade debts payable within one year | 44 | €334 | €341 | €588 | €594 |
| Income statement | |||||
| Gross operating margin | 9900 | €194k | €191k | €140k | €142k |
| Operating result | 9901 | €178k | €178k | €132k | €138k |
| Financial income | 75 | €6k | €8k | - | - |
| Financial charges | 65 | €45 | €45 | €45 | €45 |
| Result before taxes | 9903 | €183k | €186k | €132k | €138k |
| Income taxes | 67/77 | €60k | €56k | €39k | €31k |
| Net result for the period | 9904 | €123k | €130k | €92k | €107k |
| Result to be appropriated | 9905 | €123k | €130k | €92k | €107k |
Legal Structure
| NACE primary | Business and other management consultancy(70200) |
| Legal form | Private limited company(610) |
| Incorporation | 19-03-2019 |
| Status | Active |
| Postal code | 3060 |
Establishment units
FINT-CO
since 20192.287.566.737
Real-estate footprint
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24009A0164/00F000 | Flanders | 1,216 m² | 1 · 174 m² | 9.4 m · 1 fl. |
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.
Updates
2025
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
04-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2021net €130k ▲40.3%
Operating result €178k, net result €130k, both a record.
02-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €92k ▼13.5%
Net result drops to €92k, the lowest in the series; recovery starts the following year.
03-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
02-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Business and other management consultancy70200Business consulting70220
Names & trade names
| Legal nameNL | FINT-CO |
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