FINTA
ActiveSummary
FINTA has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €67,367 and a net result of €976. Equity remains stable across the filed fiscal years (±1.5% per year). Its solvency ranks better than 75% of 28051 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability27▼-9
Solvency96▼-4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,500 at 30 days acceptable
Liquidity ample (current ratio 6.02 against 4.3 in 2024; short-term debt: 16.3% and cash: 0% of total assets), and 29.3% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more 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
70.7%
Return on assets
1%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
18 d late
2023
30 d late
2022
30 d late
2021
30 d late
2020
31 d late
2019
88 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 32 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
€0
2023 · €0
Total assets
€95,329▲ 11.8%
2024 · €85,234
Net result
€976▼ 53.5%
2024 · €2,099
Working capital
€78,040▲ 25.7%
2024 · €62,087
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
Turnover€0€0€0€0
Operating result€619▼ 93.8%-€1,927€22,114€3,571▼ 83.9%€1,898▼ 46.8%
Net result€867▼ 84.5%€463▼ 46.6%€16,034▲ 3,366%€2,099▼ 86.9%€976▼ 53.5%
Equity€64,296▲ 1.4%€64,759▲ 0.7%€64,293▼ 0.7%€66,391▲ 3.3%€67,367▲ 1.5%
Total assets€70,662▼ 26.8%€74,966▲ 6.1%€78,957▲ 5.3%€85,234▲ 8.0%€95,329▲ 11.8%
Debt€6,365▼ 80.8%€10,207▲ 60.4%€14,664▲ 43.7%€18,843▲ 28.5%€27,961▲ 48.4%
Working capital€58,953▼ 0.7%€61,273▲ 3.9%€57,915▼ 5.5%€62,087▲ 7.2%€78,040▲ 25.7%
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 47% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €95,329
Fixed assets
€1,728 ▼ 59.8%
Current assets
€93,601 ▲ 15.7%
Equity and liabilities €95,329
Equity
€67,367 ▲ 1.5%
Debt
€27,961 ▲ 48.4%
Debt's share of the balance-sheet total rises from 22.1% to 29.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€2,408▼
2024 · €5,645
Cash flow
€1,485▼
2024 · €4,172
Current ratio
6.02▲
2024 · 4.30
Quick ratio
5.71▲
2024 · 4.30
Debt to equity
0.42▲
2024 · 0.28
ROE
1.4%▼
2024 · 3.2%
ROA
1.0%▼
2024 · 2.5%
Interest coverage
0.83▼
2024 · 1.74
Debt ≤ 1 year
€15,560▼
2024 · €18,843
Income taxes
€884▼
2024 · €946
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 |
|---|---|---|---|---|---|---|
| Turnover70 | €0 | €0 | €0 | €0 | - | - |
| Goods, raw materials, services and sundry goods60/61 | €0 | €0 | €0 | €0 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,133 | €1,857 | €2,108 | €2,074 | €509 | ▼ 75.4% |
| Other operating charges640/8 | €14,718 | €22,477 | €905 | €6,905 | €1,987 | ▼ 71.2% |
| Gross operating margin9900 | €18,469 | €22,407 | €25,127 | €12,550 | €4,394 | ▼ 65.0% |
| Operating profit (loss)9901 | €619 | -€1,927 | €22,114 | €3,571 | €1,898 | ▼ 46.8% |
| Financial income75/76B | €3,852 | €3,410 | €2,723 | €2,712 | €2,848 | ▲ 5.0% |
| Recurring financial income75 | €3,852 | €3,410 | €2,723 | €2,712 | €2,848 | ▲ 5.0% |
| Financial charges65/66B | €3,172 | €761 | €2,544 | €3,239 | €2,886 | ▼ 10.9% |
| Recurring financial charges65 | €3,172 | €761 | €2,544 | €3,239 | €2,886 | ▼ 10.9% |
| Profit (loss) for the period before taxes9903 | €1,299 | €722 | €22,293 | €3,045 | €1,860 | ▼ 38.9% |
| Income taxes67/77 | €432 | €259 | €6,259 | €946 | €884 | ▼ 6.6% |
| Profit (loss) for the period9904 | €867 | €463 | €16,034 | €2,099 | €976 | ▼ 53.5% |
| Profit (loss) for the period to be appropriated9905 | €867 | €463 | €16,034 | €2,099 | €976 | ▼ 53.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €70,662 | €74,966 | €78,957 | €85,234 | €95,329 | ▲ 11.8% |
| Formation expenses20 | €0 | €0 | €0 | €0 | €0 | - |
| Fixed assets21/28 | €5,343 | €3,486 | €6,378 | €4,304 | €1,728 | ▼ 59.8% |
| Tangible fixed assets22/27 | €5,343 | €3,486 | €6,378 | €4,304 | €1,728 | ▼ 59.8% |
| Plant, machinery and equipment23 | €0 | €0 | €0 | €0 | €0 | - |
| Furniture and vehicles24 | €2,900 | €1,450 | €4,749 | €3,082 | €914 | ▼ 70.4% |
| Other tangible fixed assets26 | €2,443 | €2,036 | €1,629 | €1,222 | €814 | ▼ 33.3% |
| Current assets29/58 | €65,318 | €71,480 | €72,579 | €80,930 | €93,601 | ▲ 15.7% |
| Stocks and contracts in progress3 | €0 | €0 | €0 | €0 | €4,684 | - |
| Stocks30/36 | €0 | €0 | €0 | €0 | €4,684 | - |
| Amounts receivable within one year40/41 | €62,123 | €68,410 | €71,784 | €80,929 | €88,679 | ▲ 9.6% |
| Trade receivables40 | €3,632 | €18,431 | €7,741 | €27,290 | €28,238 | ▲ 3.5% |
| Other amounts receivable41 | €58,491 | €49,980 | €64,043 | €53,639 | €60,441 | ▲ 12.7% |
| Cash at bank and in hand54/58 | €3,003 | €2,717 | €569 | €1 | €7 | ▲ 608% |
| Deferred charges and accrued income490/1 | €193 | €353 | €226 | €0 | €230 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €70,662 | €74,966 | €78,957 | €85,234 | €95,329 | ▲ 11.8% |
| Equity10/15 | €64,296 | €64,759 | €64,293 | €66,391 | €67,367 | ▲ 1.5% |
| Contributions10/11 | €6,200 | €6,200 | €8,060 | €8,060 | €8,060 | = |
| Reserves13 | €46,500 | €46,500 | €44,174 | €46,272 | €47,248 | ▲ 2.1% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €0 | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €0 | - | - | - |
| Distributable reserves133 | €44,640 | €44,640 | €44,174 | €46,272 | €47,248 | ▲ 2.1% |
| Profit (loss) carried forward14 | €11,596 | €12,059 | €12,059 | €12,059 | €12,059 | = |
| Amounts payable17/49 | €6,365 | €10,207 | €14,664 | €18,843 | €27,961 | ▲ 48.4% |
| Amounts payable within one year42/48 | €6,365 | €10,207 | €14,664 | €18,843 | €15,560 | ▼ 17.4% |
| Current portion of amounts payable after more than one year42 | €0 | €0 | €0 | €0 | - | - |
| Financial debts43 | €0 | - | - | €9,934 | €1,032 | ▼ 89.6% |
| Credit institutions430/8 | €0 | - | - | €9,934 | €1,032 | ▼ 89.6% |
| Trade debts44 | €1,392 | €1,600 | €5,322 | €1,379 | €13,616 | ▲ 887% |
| Suppliers440/4 | €1,392 | €1,600 | €5,322 | €1,379 | €13,616 | ▲ 887% |
| Advances received on contracts in progress46 | €0 | - | - | - | - | - |
| Taxes, remuneration and social security45 | €4,973 | €8,607 | €9,342 | €7,529 | €913 | ▼ 87.9% |
| Taxes450/3 | €4,973 | €8,607 | €9,342 | €7,529 | €913 | ▼ 87.9% |
| Accrued charges and deferred income492/3 | €0 | - | - | - | €12,401 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €867 | €463 | €16,034 | €2,099 | €976 | ▼ 53.5% |
| + Depreciation and write-downs630 | €3,133 | €1,857 | €2,108 | €2,074 | €509 | ▼ 75.4% |
| Operating cash flow (approximation) | €3,999 | €2,320 | €18,142 | €4,172 | €1,485 | ▼ 64.4% |
| Investment in fixed assets (approximation) | - | €0 | -€5,000 | €0 | €2,066 | - |
| Change in cash | - | -€286 | -€2,148 | -€568 | €6 | ▲ 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Highest result since 2018net €16,034 ▲3,366%
Operating result €22,114, net result €16,034, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Liquidity quadruplescurrent ratio 10.26
Current ratio from 2.80 to 10.26; short-term debt falls from €33,022 to €6,365.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €5,610
Net result €5,610 after 2 loss-making years.
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 88 days late
2019
31-12
Financial
Weakest financial yearnet -€1,762
Net result drops to -€1,762, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
15-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
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.
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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 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Hannut · 1 establishment unit since 2007
Ground area
792 m²
Building footprint
111 m²
Volume, LiDAR
795 m³
2 parcels, Wallonia · tallest building 9.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
FINTA SPRL
since 20072.162.919.064
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64034A0473/00V000 | Wallonia | 669 m² | 1 · 61 m² | 7.8 m · 2 fl. |
| 64034B0833/00H000 | Wallonia | 123 m² | 1 · 50 m² | 9.8 m · 3 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 20,025 companies in sector 43320 we hold annual accounts for 9,134. 7,600 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
Founded11-05-2007
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
41001General construction of residential buildings
43310Plastering work
43990Other specialised construction activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0889373994
Also
9925:BE0889373994
Registered
06-01-2026
Register as of 26 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.