Finteam
ActiveSummary
Finteam is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (-€247,837) and a net result of -€269,084. Equity is shrinking by ~144.1% per year across the filed fiscal years. Its solvency ranks better than 5% of 493 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 493 sector peers (2025).
NBB · sector comparisonPosition among 493 sector peers
Solvency
better than 5%
← weakest
strongest →
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 03-07-2026, 28 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
28 d early
2024
23 d early
2023
6 d early
2022
140 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 21 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% 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, full schema
Equity
-€247,837
2024 · €21,247
Net result
-€269,084▼ 16.1%
2024 · -€231,824
Total assets
€839,401▼ 0.3%
2024 · €841,671
Solvency
-29.5%▼ 32.0pp
2024 · 2.5%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Turnover€2.1m-€765,632▼ 64.1%€914,717▲ 19.5%€756,859▼ 17.3%
Operating result€49,154--€101,875-€217,242▼ 113%-€266,311▼ 22.6%
Net result€32,334within the sector's middle half--€103,277below the sector's middle half-€231,824below the sector's middle half▼ 124%-€269,084below the sector's middle half▼ 16.1%
Equity€131,334within the sector's middle half-€28,057below the sector's middle half▼ 78.6%€21,247below the sector's middle half▼ 24.3%-€247,837below the sector's middle half
Total assets€1.1mwithin the sector's middle half-€807,487within the sector's middle half▼ 24.0%€841,671within the sector's middle half▲ 4.2%€839,401within the sector's middle half▼ 0.3%
Debt€931,170-€759,430▼ 18.4%€800,423▲ 5.4%€1.1m▲ 35.8%
Working capital-€93,666--€197,095▼ 110%-€200,462▼ 1.7%-€510,029▼ 154%
Solvency12.4%below the sector's middle half-3.5%below the sector's middle half▼ 8.9pp2.5%below the sector's middle half▼ 1.0pp-29.5%below the sector's middle half▼ 32.0pp
Staff (FTE)2.5within the sector's middle half-2.3within the sector's middle half▼ 8.0%2.8within the sector's middle half▲ 21.7%3.1within the sector's middle half▲ 10.7%
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €266,311 in 2025 against €217,242 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €839,401
Fixed assets
€262,192 ▲ 8.1%
Current assets
€577,209 ▼ 3.6%
Key figures and ratios
ROA
-32.1%▼
2024 · -27.5%
Debt ≤ 1 year
€1.1m▲
2024 · €799,507
Income taxes
€0▼
2024 · €672
Staff costs
€230,414▲
2024 · €227,292
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Operating income70/76A | €2.1m | €791,292 | €916,360 | €757,342 | ▼ 17.4% |
| Turnover70 | €2.1m | €765,632 | €914,717 | €756,859 | ▼ 17.3% |
| Other operating income74 | €129 | €25,660 | €1,643 | €483 | ▼ 70.6% |
| Operating charges60/66A | €2.1m | €893,167 | €1.1m | €1.0m | ▼ 9.7% |
| Goods for resale, raw materials and consumables60 | €1.6m | €418,705 | €583,567 | €401,568 | ▼ 31.2% |
| Purchases600/8 | €1.6m | €418,705 | €583,567 | €401,568 | ▼ 31.2% |
| Services and other goods61 | €192,376 | €242,128 | €292,539 | €376,727 | ▲ 28.8% |
| Remuneration, social security and pensions62 | €247,948 | €194,806 | €227,292 | €230,414 | ▲ 1.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €10,853 | €28,385 | €31,880 | ▲ 12.3% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | €20,000 | - | -€20,000 | - |
| Other operating charges640/8 | €205 | €176 | €210 | €165 | ▼ 21.7% |
| Non-recurring operating charges66A | - | €6,499 | €1,609 | €2,899 | ▲ 80.2% |
| Operating profit (loss)9901 | €49,154 | -€101,875 | -€217,242 | -€266,311 | ▼ 22.6% |
| Financial income75/76B | - | - | €0 | €0 | ▼ 100% |
| Recurring financial income75 | - | - | €0 | €0 | ▼ 100% |
| Other financial income752/9 | - | - | €0 | €0 | ▼ 100% |
| Financial charges65/66B | €1,537 | €1,381 | €13,910 | €2,774 | ▼ 80.1% |
| Recurring financial charges65 | €1,537 | €1,381 | €13,910 | €2,774 | ▼ 80.1% |
| Debt charges650 | - | - | €13,703 | €2,477 | ▼ 81.9% |
| Other financial charges652/9 | €1,537 | €1,381 | €208 | €297 | ▲ 42.9% |
| Profit (loss) for the period before taxes9903 | €47,617 | -€103,256 | -€231,152 | -€269,084 | ▼ 16.4% |
| Income taxes67/77 | €15,283 | €22 | €672 | €0 | ▼ 100% |
| Taxes670/3 | €15,283 | €22 | €672 | €0 | ▼ 100% |
| Profit (loss) for the period9904 | €32,334 | -€103,277 | -€231,824 | -€269,084 | ▼ 16.1% |
| Profit (loss) for the period to be appropriated9905 | €32,334 | -€103,277 | -€231,824 | -€269,084 | ▼ 16.1% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €1.1m | €807,487 | €841,671 | €839,401 | ▼ 0.3% |
| Fixed assets21/28 | €225,000 | €245,355 | €242,626 | €262,192 | ▲ 8.1% |
| Intangible fixed assets21 | €225,000 | €215,058 | €217,290 | €240,606 | ▲ 10.7% |
| Tangible fixed assets22/27 | - | €28,137 | €23,176 | €19,426 | ▼ 16.2% |
| Furniture and vehicles24 | - | €948 | €1,589 | €3,441 | ▲ 117% |
| Other tangible fixed assets26 | - | €27,189 | €21,587 | €15,985 | ▼ 26.0% |
| Financial fixed assets28 | - | €2,160 | €2,160 | €2,160 | = |
| Other financial fixed assets284/8 | - | €2,160 | €2,160 | €2,160 | = |
| Amounts receivable and cash guarantees285/8 | - | €2,160 | €2,160 | €2,160 | = |
| Current assets29/58 | €837,504 | €562,132 | €599,044 | €577,209 | ▼ 3.6% |
| Amounts receivable within one year40/41 | €828,743 | €532,655 | €586,736 | €537,273 | ▼ 8.4% |
| Trade receivables40 | €795,761 | €507,182 | €586,736 | €537,273 | ▼ 8.4% |
| Other amounts receivable41 | €32,982 | €25,473 | - | - | - |
| Cash at bank and in hand54/58 | €6,210 | €25,796 | €3,417 | €37,761 | ▲ 1,005% |
| Deferred charges and accrued income490/1 | €2,552 | €3,681 | €8,891 | €2,176 | ▼ 75.5% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €1.1m | €807,487 | €841,671 | €839,401 | ▼ 0.3% |
| Equity10/15 | €131,334 | €28,057 | €21,247 | -€247,837 | ▼ 1,266% |
| Contributions10/11 | €99,000 | €99,000 | €324,015 | €324,015 | = |
| Capital10 | €99,000 | €99,000 | €324,015 | €324,015 | = |
| Issued capital100 | €99,000 | €99,000 | €324,015 | €324,015 | = |
| Reserves13 | €9,900 | €9,900 | €9,900 | €9,900 | = |
| Non-distributable reserves130/1 | €9,900 | €9,900 | €9,900 | €9,900 | = |
| Legal reserve130 | €9,900 | €9,900 | €9,900 | €9,900 | = |
| Profit (loss) carried forward14 | €22,434 | -€80,843 | -€312,668 | -€581,752 | ▼ 86.1% |
| Provisions and deferred taxes16 | - | €20,000 | €20,000 | €0 | ▼ 100% |
| Provisions for liabilities and charges160/5 | - | €20,000 | €20,000 | €0 | ▼ 100% |
| Other liabilities and charges164/5 | - | €20,000 | €20,000 | €0 | ▼ 100% |
| Amounts payable17/49 | €931,170 | €759,430 | €800,423 | €1.1m | ▲ 35.8% |
| Amounts payable within one year42/48 | €931,170 | €759,227 | €799,507 | €1.1m | ▲ 36.0% |
| Trade debts44 | €872,919 | €525,811 | €597,652 | €549,955 | ▼ 8.0% |
| Suppliers440/4 | €872,919 | €525,811 | €597,652 | €549,955 | ▼ 8.0% |
| Taxes, remuneration and social security45 | €58,251 | €53,416 | €40,359 | €20,096 | ▼ 50.2% |
| Taxes450/3 | €20,903 | €24,073 | €8,331 | €3,912 | ▼ 53.0% |
| Remuneration and social security454/9 | €37,348 | €29,343 | €32,028 | €16,184 | ▼ 49.5% |
| Other amounts payable47/48 | - | €180,000 | €161,496 | €517,187 | ▲ 220% |
| Accrued charges and deferred income492/3 | - | €203 | €917 | €0 | ▼ 100% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €32,334 | -€103,277 | -€231,824 | -€269,084 | ▼ 16.1% |
| + Depreciation and write-downs630 | - | €10,853 | €28,385 | €31,880 | ▲ 12.3% |
| Operating cash flow (approximation) | €32,334 | -€92,425 | -€203,439 | -€237,204 | ▼ 16.6% |
| Investment in fixed assets (approximation) | - | -€31,208 | -€25,656 | -€51,446 | ▼ 101% |
| Change in cash | - | €19,586 | -€22,378 | €34,343 | ▲ 253% |
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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet -€269,084
Net result drops to -€269,084, the lowest in the series.
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
18-12
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 140 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 9 acts read
About the unread acts
Of the 9 Belgian State Gazette acts we know for this company, 1 has been read. The other 8 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
9 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, Kortrijk · 3 establishment units since 2021
Ground area
2.2 ha
Building footprint
1,643 m²
Volume, LiDAR
9,832 m³
4 parcels, Flanders, Wallonia · tallest building 14.9 m, ±2 floors. Linked by address, not a title deed.
3 establishment units
Finteam
since 20212.317.774.418
Finteam Mouscron
since 20232.347.908.061
Finteam Retail Mouscron
since 20232.353.052.427
4 parcels
Flanders
2
(50%)
Wallonia
2
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34354D0016/00E000indicative | Flanders | 2.1 ha | 1 · 1,283 m² | 14.9 m · 2 fl. |
| 34354C0092/00Y005 | Flanders | 459 m² | 1 · 221 m² | - |
| 54007B0961/00P010 | Wallonia | 421 m² | 1 · 63 m² | 8.5 m · 2 fl. |
| 54433E0786/00Y011 | Wallonia | 183 m² | 1 · 77 m² | 7.5 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
3 of 4 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
2 ownersChain of control
- COPAWIN
- WILINK INSURANCE
- Finteam
Highest known parent: COPAWIN. The sources do not say who stands above it.
Owners 2
- WILINK INSURANCEparentSourceown accounts 202572.22%
- Kristof Notredamenatural personSourceown accounts 202510%
Holdings 0
The accounts to 31-12-2025 list no holdings, and no other source names one.
According to the 2025 annual accounts of Finteam and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 1,682 companies in sector 66191 we hold annual accounts for 1,230. 577 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
Founded04-05-2021
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
66220Insurance agents and brokers
Contact
E-invoicing
Reachable via Peppol
Peppol ID
0208:0767805478
Also
9925:BE0767805478
Registered
18-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.