FINTA CONSTRUCT
ActiveSummary
FINTA CONSTRUCT has been active since 2018 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €82,211 and a net result of €19,276. Equity has been growing by about 29% per year since 2020. Its solvency ranks better than 33% of 34,902 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 11-10-2018 Normal situation
- Activity
- Other specialised construction activities NACE 43990and 2 others
- Establishment unit
- 2.280.849.981 1070 Anderlecht, since 22-10-2018
- Financial year end
- 31 May
- Peppol
- Reachable since 04-12-2025
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.3%
- Gross margin
- €57,559
- ▼ 59.6%
- Turnover
- ≈ €290,000
- estimated
- Profit
- €19,276
- ▼ 79.8%
- Equity
- €82,211
- ▲ 30.6%
- Total assets
- €264,242
- ▼ 7.2%
Score breakdownraises riskSector: Specialised construction activities (NACE 43)Founded in 2018lowers riskLiquidity: current ratio 1.28, cash €145,472Size: total assets €264,242Show the evidence
Checked score
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 33% of them on solvency, 61% on liquidity, 55% on profitability and 75% on growth.
The bankruptcy probability was computed on 01-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 6 accounts on average 33 days before the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 28-11-2025 PDF all 6 filings
2021 to 2025, 5 financial years 2020 to 2025, 6 financial years
The operating result for 2025 is 71% lower than in 2024 and the lowest since 2021.
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Specialised construction activities (NACE 43). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio and return on assets (ROA).
Investments
| Item | 31-05-2022 | 31-05-2023 | 31-05-2024 | 31-05-2025 |
|---|---|---|---|---|
| Tangible fixed assets | €27,301 | €1,121 | €58,019 | - |
| Financial fixed assets | - | - | - | €325 |
| Depreciation and write-downs of the year | €12,889 | €16,912 | €23,400 | €21,952 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
Comparable companies
These companies have the same main activity as FINTA CONSTRUCT: other specialised construction activities (NACE 43990). They are comparable in size and age: total assets between €215,000 and €282,000, founded between 2017 and 2019.
| Company | Founded | Total assets | Equity | Gross margin | Turnover | Net result | Financial year |
|---|---|---|---|---|---|---|---|
| FINTA CONSTRUCT Anderlecht | 2018 | €264,242 | €82,211 | €57,559 | - | €19,276 | 2025 |
| RDVB Anderlecht | 2017 | €244,929 | €124,614 | €60,352 | €775,662 | €22,307 | 2025 |
| ARDELEC SERVICES Ganshoren | 2018 | €282,351 | €171,865 | €53,730 | €0 | €17,605 | 2025 |
| HBNC Schaarbeek | 2019 | €258,334 | €76,569 | €67,958 | - | -€3,384 | 2025 |
| EURO BUSINESS Sint-Jans-Molenbeek | 2017 | €235,889 | €125,411 | €51,942 | - | €14,754 | 2025 |
| SUVTEC Elsene | 2018 | €215,123 | €126,550 | €57,959 | €264,408 | €22,106 | 2025 |
| TECNOTUGA Elsene | 2019 | €239,080 | €147,890 | €64,538 | - | €32,310 | 2025 |
They were chosen from the 7,010 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity
Companies with the same profile, two years later
Historical observationIn July 2024, 26,972 companies had the same profile as FINTA CONSTRUCT has now. Two years later, 1.6% had gone bankrupt and 94.9% were still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of FINTA CONSTRUCT itself: 0.3% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 26,972 companies, not a prediction for FINTA CONSTRUCT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|
| Turnover70 | €428,838 | €455,313 | €490,952 | - | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | €422,081 | - | - | - | - |
| Remuneration, social security and pensions62 | - | - | - | €284 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,705 | €12,237 | €12,889 | €16,912 | €23,400 | €21,952 | ▼ 6.2% |
| Other operating charges640/8 | - | - | €372 | €878 | €4,915 | €1,520 | ▼ 69.1% |
| Non-recurring operating charges66A | - | - | - | - | - | €481 | - |
| Gross operating margin9900 | €22,213 | €60,968 | €68,870 | €132,109 | €142,573 | €57,559 | ▼ 59.6% |
| Operating profit (loss)9901 | €15,000 | €46,615 | €55,609 | €114,036 | €114,258 | €33,606 | ▼ 70.6% |
| Financial income75/76B | - | - | - | €6 | €246 | €68 | ▼ 72.5% |
| Recurring financial income75 | - | - | - | €6 | €246 | €68 | ▼ 72.5% |
| Financial charges65/66B | - | - | €8,956 | €3,195 | €907 | €5,016 | ▲ 453% |
| Recurring financial charges65 | €7,067 | €4,266 | €8,956 | €3,195 | €907 | €5,016 | ▲ 453% |
| Profit (loss) for the period before taxes9903 | €7,933 | €42,349 | €46,652 | €110,847 | €113,597 | €28,657 | ▼ 74.8% |
| Income taxes67/77 | €1,670 | €2,765 | €3,002 | €15,269 | €18,339 | €9,381 | ▼ 48.8% |
| Profit (loss) for the period9904 | €6,263 | €39,584 | €43,650 | €95,578 | €95,259 | €19,276 | ▼ 79.8% |
| Profit (loss) for the period to be appropriated9905 | €6,263 | €39,584 | €43,650 | €95,578 | €95,259 | €19,276 | ▼ 79.8% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|
| Assets | |||||||
| Total assets20/58 | €110,502 | €248,667 | €187,680 | €251,808 | €284,869 | €264,242 | ▼ 7.2% |
| Fixed assets21/28 | €18,112 | €20,896 | €34,005 | €18,214 | €52,834 | €30,426 | ▼ 42.4% |
| Tangible fixed assets22/27 | €18,112 | €20,896 | €34,005 | €18,214 | €52,834 | €30,101 | ▼ 43.0% |
| Plant, machinery and equipment23 | - | - | €2,250 | €750 | €0 | - | - |
| Furniture and vehicles24 | - | - | €31,755 | €17,464 | €52,834 | €30,101 | ▼ 43.0% |
| Financial fixed assets28 | - | - | - | - | - | €325 | - |
| Current assets29/58 | €92,390 | €227,771 | €153,675 | €233,594 | €232,036 | €233,816 | ▲ 0.8% |
| Amounts receivable within one year40/41 | €9,503 | €139,532 | €24,550 | €44,156 | €61,742 | €87,752 | ▲ 42.1% |
| Trade receivables40 | - | - | €8,496 | €32,205 | €47,344 | €84,544 | ▲ 78.6% |
| Other amounts receivable41 | - | - | €16,054 | €11,952 | €14,398 | €3,208 | ▼ 77.7% |
| Cash at bank and in hand54/58 | €82,887 | €88,239 | €129,125 | €189,251 | €169,835 | €145,472 | ▼ 14.3% |
| Deferred charges and accrued income490/1 | - | - | - | €186 | €459 | €592 | ▲ 28.9% |
| Equity and liabilities | |||||||
| Total equity and liabilities10/49 | €110,502 | €248,667 | €187,680 | €251,808 | €284,869 | €264,242 | ▼ 7.2% |
| Equity10/15 | €12,463 | €24,048 | €34,698 | €90,276 | €62,935 | €82,211 | ▲ 30.6% |
| Contributions10/11 | - | - | €6,200 | €6,200 | €18,600 | €18,600 | = |
| Profit (loss) carried forward14 | €6,263 | €17,848 | €28,498 | €84,076 | €44,335 | €63,611 | ▲ 43.5% |
| Amounts payable17/49 | €98,039 | €224,620 | €152,982 | €161,531 | €221,934 | €182,031 | ▼ 18.0% |
| Amounts payable within one year42/48 | €98,039 | €224,620 | €152,982 | €161,531 | €221,934 | €182,031 | ▼ 18.0% |
| Trade debts44 | €15,473 | €105,076 | €40,612 | €45,295 | €37,692 | €60,007 | ▲ 59.2% |
| Suppliers440/4 | - | - | €40,392 | €8,251 | €37,692 | €60,007 | ▲ 59.2% |
| Bills of exchange payable441 | - | - | €220 | €37,044 | - | - | - |
| Taxes, remuneration and social security45 | - | - | €79,370 | €73,241 | €33,595 | - | - |
| Taxes450/3 | - | - | €3,002 | €15,269 | €33,595 | - | - |
| Remuneration and social security454/9 | - | - | €76,368 | €57,972 | €0 | - | - |
| Other amounts payable47/48 | - | - | €33,000 | €42,996 | €150,647 | €122,024 | ▼ 19.0% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €6,263 | €39,584 | €43,650 | €95,578 | €95,259 | €19,276 | ▼ 79.8% |
| + Depreciation and write-downs630 | €6,705 | €12,237 | €12,889 | €16,912 | €23,400 | €21,952 | ▼ 6.2% |
| Operating cash flow (approximation) | €12,968 | €51,821 | €56,540 | €112,490 | €118,658 | €41,227 | ▼ 65.3% |
| Investment in fixed assets (approximation) | - | -€15,021 | -€25,998 | -€1,121 | -€58,019 | €456 | - |
| Change in cash | - | €5,352 | €40,886 | €60,127 | -€19,416 | -€24,363 | ▼ 25.5% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Filings with the National Bank (6)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-05-2025 | micro format | 28-11-2025 | 2025-00573552 | |
| 31-05-2024 | micro format | 11-12-2024 | 2024-00616389 | |
| 31-05-2023 | micro format | 19-12-2023 | 2023-00532312 | |
| 31-05-2022 | micro format | 25-11-2022 | 2022-20526621 | |
| 31-05-2021 | micro format | 10-11-2021 | 2021-77100459 | |
| 31-05-2020 | micro format | 18-11-2020 | 2020-71000597 |
Board & ownership
Directors
Owners and capital
Capital transactions
- 13-02-2024 Converted to unavailable equity · €6,200
- 13-02-2024 Converted to uncalled contributions · €12,400
Articles of association
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “L'assemblée qui nomme le ou les administrateur(s) fixe leur nombre, la durée de leur mandat, un ou plusieurs administrateurs, personnes…”“S’il n’y a qu’un seul administrateur, la totalité des pouvoirs d’administration lui est attribuée, l’organe d’administration peut accomplir…”
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Tous les frais de procédure et d’expertise étant pour moitié à charge du cédant et pour moitié à charge du ou des acquéreurs…”
Articles of association, deed of 13-02-2024 (in French)
Network & group
Companies at the same address
2 other companiesConnections & network
See the function holders in the KBO register.
Timeline
Acts, filings and financial milestones
13-02
Gazette deed
Amendment of the articles · Legal-form change · Resignations & appointmentsCapital conversion · Capital · Director in office8 points ▸
- General meeting, “Conformément à l’article 39 § 1 de la loi du 23-03-2019 introduisant le Code des sociétés et des associations, PREMIERE RESOLUTION” (deed in French)
- Capital conversion, “compte de capitaux propres statutairement indisponible” (deed in French)
- Capital conversion, “compte de capitaux propres « apports non appelés »” (deed in French)
- General meeting, “adopter des statuts complètement nouveaux, DEUXIEME RESOLUTION” (deed in French)
- Capital
- Director in office, FINTA Gheorghe (director)
- Director in office, FINTA Irina Cristina (director)
- Power of attorney, mentioned 2 times in the deed
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
29 activities
- 1) Toutes activités généralement quelconques se rapportant directement ou indirectement à :
- - l’entreprise générale de construction et notamment le gros œuvre, la maçonnerie et le béton, les travaux de démolition, plafonnage, cimentage, pose de chape, tailleur de pierre, marbrier, carrelage, toiture et étanchéité, sanitaire et plomberie, installation chauffage au gaz, de chauffage central, zinguerie et couvertures métalliques et non métalliques, travaux de vitrage, menuiserie charpenterie, peinture, pose revêtements murs et sols, électricité générale ainsi que tous placements de système d’alarme, de climatisation et de domotique, électrotechnique, lavage de vitres, horticulture, élagage d’arbres, aménagement de parcs et de jardin, construction de pavillons démontables et
- Baraquements non métalliques, placement de clôture, ramonage de cheminées, installation d’ échafaudage, de rejointoiement et nettoyage de façades, travaux d’égout, travaux de pose de câbles et de canalisations diverses, fabrication et d’installation de cheminées ornementales, nettoyage et désinfection de maisons et de locaux, meubles, ameublement et objets divers, fabrication et garnissage de meubles non métallique, installation de ventilation et d’aération, de chauffage à air chaud, de conditionnement d’air et de tuyauteries industrielles, travaux de drainage, placement de cuisines équipées, construction, réfection et entretien des routes ;
- - nettoyage intérieur de bâtiments de tous types, y compris les bureaux, les ateliers, les usines, les locaux d’institutions et les autres locaux à usage commercial ou professionnel ainsi que les maisons unifamiliales et les immeubles à appartements, le nettoyage des vitres, le repassage ainsi que toutes activités dans le cadre des titres services au domicile et hors domicile de l’utilisateur des titres services ;
- - la restauration en général et le secteur Horeca, l’organisation de banquets et réceptions, le service traiteur, y compris l’organisation, la gestion et l’exploitation de restaurants, sandwicheries, snack-bars, bars, cafétérias, débits de boissons, ainsi que toutes opérations de tourisme, d’hôtellerie,
- De divertissements et de loisirs en ce compris l’achat, la vente en gros et au détail, l’import-export de tous produits se rapportant directement ou indirectement à ces activités ;
- - fournir tous services ou prestations au profit de toutes clientèles privées ou commerciales,
- - transport national et international par route de personnes et de marchandises, courrier express ;
- - l’informatique au sens le plus large du terme, tels que la création de sites internet et de logiciels informatique, l’étude, la recherche, la conception, le développement, la mise en place et la commercialisation de technologies et de systèmes informatisés, de systèmes de régulations, d’ exploitations, de gestion assistées, administratifs, commerciaux, industriels ; la création et la
- Commercialisation de programme informatiques, d’application relatives au domaine IT et de tout « software » ;
- - le commerce ambulant ;
- 2) La vente en gros et en détail, l’import-export de :
- - matériels de construction, de bricolage, matériel électrique et électronique, sanitaire et de plomberie, machines industrielles ;
- - tous produits alimentaires tels que fruits, légumes, conserves, produits laitiers, produits de la mer, poissons, boucherie, articles de ménage et articles cadeaux ;
- - tous textiles en général, vêtements divers, chaussures, cordonnerie, serrurerie, maroquinerie dans le sens le plus large ;
- - tous produits de l’artisanat en général, tapisseries, antiquités, brocantes, objets de décoration et tous mobiliers ;
- - tous les articles de parfumerie, de toilette, cosmétiques, produits de beauté, maquillage ainsi que savons et détergents ;
- - tous les articles d’horticulture tels que fleurs, plantes, articles de jardinage, aménagement et entretien de jardins et de pépinières ;
- - tous bijoux, orfèvrerie,
- - tous appareils électroménagers, audio, vidéo, électronique, télécommunication, livres et revues, matériel de bureau et informatique ;
- 3) L’exploitation de :
- - commerce d'alimentation générale dans le sens plus large du terme, cabines téléphoniques, night-shop ;
- - l'achat, la vente, l'importation, l'exportation, la location à court ou à long termes, le leasing, la représentation, la fabrication, le montage, la démolition, le transport de réparation, le lavage, l’ entretien de tous les véhicules automobiles, voitures mixtes, utilitaires, camions, motos, cyclomoteurs, vélos ainsi que des accessoires et pièces de ces véhicules, le tout neuf ou d'occasion, en ce compris le commerce de détail et de gros de pièces détachées et d'équipements divers, le commerce des huiles, essences, carburants, lubrifiants, moteurs, pneumatiques et d'une manière
- Générale de produits quelconques se rapportant à l'automobile, atelier de réparation de carrosserie automobile et de tous les véhicules, car-wash, station-service ;
- - dépôt et atelier de fabrication de tous produits de boulangerie et de pâtisserie, de tous produits alimentaires et non alimentaires ;
- - libraire dans le sens le plus large du mot, c’est à dire, le commerce de détail en journaux, les magazines, les hebdomadaires, les revues, les livres, les articles de papeterie, les cartes routières, les plans de villes et similaires, les billets de loterie, le lotto, le tiercé, les articles pour fumeurs dans le sens le plus large du mot ;
- - boucherie, charcuterie, ainsi que la vente, l’achat, l’import, l’export, la distribution, la commercialisation, la fabrication, la conception, la préparation et le commerce en général de tous produits ayant un rapport avec la boucherie, la charcuterie, l’épicerie fine ;
- - l'exploitation de salons de coiffure hommes, dames et enfants, les conseils en beauté et en soins de visage et corps, les soins de la peau et d’épilation, les soins de manucure et de pédicure ;
- - l’exploitation d’une entreprise de taxis, de bureaux de centralisation d’appels téléphoniques et de transmissions pour taxis, la location de tous types de véhicules, avec ou sans chauffeur et le covoiturage, une mise en relation entre chauffeur et utilisateur de transport via des plateformes (application Smartphone).
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0708.933.012
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 21305B0223/00Z006 | Brussels | 118 m² | - | - |