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FINTEC

Active Public limited companyfounded 1990active for 35 yearsKoninklijke Baan 280, 8670 KoksijdeKBO/BCE: BE 0442.409.278
FINTEC
Financial year 2025
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Annual accounts 2025

abbreviated format, filed on 27-08-2026, 27 days late
€52,454
▲ 72.0%
-€34,323
▼ €34,501
€40,665
▼ 38.5%
€38,963
▼ 25.3%
66.4%
▼ 0.6 percentage points
1.70
▼ 0.03

Turnover and EBIT margin are not published. The abbreviated or micro format does not require them. The turnover shown is an estimate from the gross margin.

Turnover ≈ €100,000. Estimated: probably between €75,000 and €160,000.

Money flows

no detail for 2025

Balance sheet

balance sheet total €1.9m on 31-12-2025
What the company ownsHow it is paid for

in €m

in euro

Position in the sector

Compare with sector

66.4%

Higher than 63% of 10,856 companies in 2025.

1.70

Higher than 54% of 10,478 companies in 2025.

-1.9%

Higher than 15% of 10,725 companies in 2025.

FINTEC Middle half of the sector 80% of the sector Abbreviated accounts in head offices and management consultancy (NACE 70)

Net result: bottom quarter · Equity: top quarter · Balance sheet total: middle half · Working capital: middle half

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend20252024202320222021202020192018201720162015201420132012201120102009200820072006
Balance sheet: assets
20/58 1.9m1.9m2.1m1.7m1.5m1.4m1.5m1.2m1.2m1.2m1.1m1.1m973,435965,392977,526904,257727,328706,968673,634646,423
21/28 1.5m1.5m1.7m1.3m915,462247,463280,246164,303206,371257,809290,973343,366395,123448,014500,982439,359312,753339,584366,571393,558
22/27 1.5m1.5m1.5m1.3m915,412247,413280,196164,253206,321257,759290,923343,316395,073448,014500,982439,359312,753339,584366,571393,558
22 1.4m1.5m1.5m1.3m904,106224,653245,571146,585185,426231,668260,375305,966350,359395,842441,325383,846249,617268,825288,188307,552
23 ---5622,2457,33612,90815,26220,17025,07829,98634,89439,80244,80549,83554,86559,89564,92569,95674,986
24 96,38919,1719,79413,8058,62414,93521,7172,4067251,0135622,4564,9127,3679,8226483,2415,8348,42711,020
26 1,4021,6211,8412,061437489--------------
28 5050200,05050505050505050505050-------
29/58 344,370397,613387,162390,416625,1421.2m1.2m1.1m1.0m975,930814,833751,932578,312517,378476,544464,898414,575367,384307,063252,865
29 45,00045,00045,000-----------------
291 45,00045,00045,000-----------------
40/41 108,67996,72397,97697,382182,5641.2m1.1m1.1m1.0m966,048807,720739,627577,251517,378469,345441,383380,320338,478275,324238,996
40 2,1002,00075,46578,465153,471121,479115,340204,74094,98531,11544,21229,52012,725102,915108,71582,00081,91587,62656,63194,257
41 106,57994,72322,51118,91729,0931.0m1.0m855,769915,021934,933763,508710,107564,526414,463360,630359,383298,405250,852218,693144,739
50/53 166,488218,722224,492274,492400,000---------------
54/58 22,59934,92119,66318,37439,05545,06044,32512,55319,1039,8827,11312,3051,061-7,19923,51534,25528,90631,73913,869
490/1 1,6042,247311683,5231,459--------------
Balance sheet: equity and liabilities
10/49 1.9m1.9m2.1m1.7m1.5m1.4m1.5m1.2m1.2m1.2m1.1m1.1m973,435965,392977,526904,257727,328706,968673,634646,423
10/15 1.2m1.3m1.3m819,624816,144804,686810,958802,665792,879783,556777,684732,489718,414653,108594,398585,828490,506432,413362,047291,720
10/11 62,00062,00062,00062,00062,00062,00062,00062,00062,00062,00062,00062,00062,00062,00062,00062,00062,00062,00062,00062,000
10 62,00062,00062,00062,00062,000---------------
100 62,00062,00062,00062,00062,00062,00062,00062,00062,00062,00062,00062,00062,00062,00062,00062,00062,00062,00062,00062,000
13 411,892429,586446,0996,2006,2006,2006,2006,2006,2006,2006,2006,2006,2006,2006,2006,2006,2006,2006,2006,200
130/1 6,2006,2006,2006,2006,2006,200--------------
130 6,2006,2006,2006,2006,2006,2006,2006,2006,2006,2006,2006,2006,2006,2006,2006,2006,2006,2006,2006,200
132 405,692423,386439,899-----------------
14 755,902774,233771,475751,424747,944736,486742,758734,465724,679715,356709,484664,289650,214584,908526,198517,628422,306364,213293,847223,520
16 133,658139,556193,095142,488261,695261,695261,695261,695238,756188,16195,06364,441--------
160/5 133,658139,556193,095142,488261,695261,695261,695261,695238,756188,16195,06364,441--------
164/5 133,658139,556193,095142,488261,695261,695261,695261,695238,756188,161----------
17/49 488,266483,864606,973750,451462,765381,657387,151173,005203,845262,022233,059298,368255,021312,284383,128318,429236,822274,555311,587354,703
17 285,859254,690279,001345,961199,003242,879248,18169,608145,763158,413126,161217,931133,063218,277266,228253,434213,228243,855277,394321,793
170/4 285,859254,690279,001345,961199,003242,879248,18169,608145,763158,413126,161217,931133,063218,277266,228253,434213,228243,855277,394321,793
42/48 202,270229,174327,972404,490260,900138,753138,945103,39758,082103,07399,78076,675120,87294,007116,90064,99523,59430,70034,19332,910
42 41,33252,06850,69223,57911,954-24,30325,1643,96450,57755,13140,90636,451-------
43 07,99954,99930,16510,4994,49834,99934,99935,00035,00034,00025,00010,00011,63112,50015,00016,70020,00025,00012,564
430/8 07,99954,99930,16510,4994,49834,99934,99935,00035,00034,00025,00010,00011,63112,50015,00016,70020,00025,00012,564
44 -10,32083,023233,68956,41954,49665,47335,74516,41614,5397,1946,71313,55014,88744,68049,4956,3949,7008,19318,846
440/4 -10,32083,023233,68956,41954,49665,47335,74516,41614,5397,1946,71313,55014,88744,68049,4956,3949,7008,19318,846
45 9,32927512,3459,54317,17979,75913,5027,4892,7022,4642,1393,74011,0878,5898205005001,0001,0001,500
450/3 9,3292754,3659,54317,17979,7595,7527,4892,7024641,5027441,0891,0898205005001,0001,0001,500
454/9 --7,980---7,750--2,0006372,9969,9987,500------
47/48 151,609158,512126,913107,514164,849-668--4931,31631649,78458,90058,900-----
492/3 137---2,8622525--5367,1183,7621,086-------
Income statement
70 --------201,127236,823209,386196,863187,515214,956209,331233,806181,989-273,485236,129
9900 52,45430,489578,088-33,93390,12954,16173,43278,165134,023175,427159,500164,765146,248159,432104,290176,715132,139130,061173,855122,550
60/61 --------125,970109,19699,57888,48498,431107,864136,24893,45584,089-99,630155,017
62 ---------4,3054,9009,37911,0264,500------0
630 74,98865,93754,57364,26366,70446,21054,33250,06352,05152,05153,09652,84652,94152,96850,65436,14426,83126,98726,98724,758
635/8 0-46,462-96,026-119,207----------------
640/8 11,78910,83615,3556,2256,4417,32810,5274,8227,3757,7767,0104,9814,4214,3523,47216,093----
66A -------22,93850,59693,09830,62164,442--------
9901 -34,323178604,18614,78616,9846238,57334228,30617,60290,01595,91284,386102,11250,164124,478105,308103,074146,86897,792
75/76B 8,1749,41710,2994,3314,79317,50017,50126,95511,231-94622855181221691410,451
75 8,1749,41710,2994,3314,79317,50017,50126,95511,231-94622855181221691410,451
65/66B 6,0745,8665,99810,6883,5026,91018,2264,6149,8605,2278,6458,78710,74913,07212,76810,46911,19714,81616,71711,813
65 6,0745,8665,99810,6882,9136,91018,2264,6149,8605,2278,6458,78710,74913,07212,76810,46911,19714,81616,71711,813
66B ----589---------------
9903 -32,2223,729608,4878,42918,27511,2137,84822,68329,67712,37551,69522,91173,64289,04537,414114,02194,13288,327130,16596,430
780 5,8987,0775,977-----------------
680 --152,610-----------------
67/77 9,70024,5611,9044,9496,817--4457,89715,3543-8,83683622,83528,84418,69936,03917,96159,83824,109
9904 -36,024-13,755459,9503,48011,45811,2138,29314,78614,32312,37251,69514,07572,80666,2108,57095,32258,09370,36670,32772,321
789 17,69316,51317,931-----------------
689 --457,830-----------------
9905 -18,3312,75820,0513,48011,45811,2138,29314,78614,32312,37251,69514,07572,80666,2108,57095,32258,09370,36670,32772,321
Appropriation of the result
9906 755,902774,233771,475751,424747,944753,971742,758739,465729,679721,856715,984664,289657,714592,408526,198517,628422,306364,213293,847223,520
14P 774,233771,475751,424747,944736,486---------------
694/7 -----17,485-5,0005,0006,5006,500-7,5007,500------
695 -----17,485-5,0005,0006,5006,500-7,5007,500------
Social balance sheet
9087 -------------------0
Document PDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDF

The accounts for 15 older financial years (1991-2005) were filed as documents without figures as data, scans for example.

The notes to these accounts have 8 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.

Source: Annual accounts 2025 at the NBB, filed on 27-08-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank

2025 annual accounts filed 27 days after the deadline. Filed on 27 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00447581.

Financial year Type Filed Reference Document
31-12-2025 abbreviated format 27-08-2026 2026-00447581 PDF
31-12-2024 micro format 24-08-2025 2025-00405886 PDF
31-12-2023 micro format 27-08-2024 2024-00385259 PDF
31-12-2022 micro format 12-08-2023 2023-00326693 PDF
31-12-2021 micro format 02-10-2022 2022-20452734 PDF
31-12-2020 micro format 24-09-2021 2021-68100454 PDF
31-12-2019 micro format 25-10-2020 2020-62800294 PDF
31-12-2018 micro format 28-09-2019 2019-67800452 PDF
31-12-2017 micro format 23-09-2018 2018-63800541 PDF
31-12-2016 micro format 24-09-2017 2017-62900434 PDF
31-12-2015 full format 28-09-2016 2016-61600376 PDF
31-12-2014 full format 26-09-2015 2015-60400269 PDF
31-12-2013 full format 22-09-2014 2014-60200575 PDF
31-12-2012 full format 22-09-2013 2013-58800375 PDF
31-12-2011 full format 21-10-2012 2012-61200204 PDF
31-12-2010 full format 24-10-2011 2011-58300186 PDF
31-12-2009 full format 11-10-2010 2010-57300508 PDF
31-12-2008 full format 14-10-2009 2009-81000262 PDF
31-12-2007 full format 27-10-2008 2008-79300312 PDF
31-12-2006 full format 05-12-2007 2007-82200069 PDF
31-12-2005 full format 26-09-2006 2006-79702373 PDF
31-12-2004 full format 27-10-2005 2005-83500167 PDF
31-12-2003 full format 12-11-2004 2004-78100248 PDF
31-12-2002 full format 15-10-2003 2003-74400034 PDF
31-12-2001 full format 04-11-2002 2002-69400089 PDF
31-12-2000 full format 08-10-2001 2001-62200108 PDF
31-12-1999 full format 27-07-2000 2000-46000134 PDF
31-12-1998 full format 26-10-1999 1999-54705283 PDF
31-12-1997 full format 12-08-1998 1998-39805330 PDF
31-12-1996 full format 23-06-1997 1997-17905213 PDF
31-12-1995 full format 29-07-1996 1996-37300962 PDF
31-12-1994 full format 07-08-1995 1995-44504753 PDF
31-12-1993 full format 03-08-1994 1994-34401281 PDF
31-12-1992 full format 20-07-1993 1993-27800137 PDF
31-12-1991 full format 20-07-1992 1992-23502535 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend20252024202320222021202020192018201720162015201420132012201120102009200820072006
40,66566,115658,75979,04983,68846,83362,90550,40580,35769,653143,111148,758137,327155,080100,818160,622132,139130,061173,855122,550
38,96352,182514,52367,74378,16257,42362,62564,84966,37464,423104,79166,921125,747119,17859,224131,46684,92497,35397,31497,079
98,34465,083471,966470,948734,70313,427170,2757,99561318,8877031,089500112,277162,750000112,122
-12,32215,2581,289-20,681-6,00573531,772-6,5509,2212,769-5,19211,244---16,316-10,7405,349-2,83317,870-
142,100168,43959,190-14,074364,2421.1m1.0m969,665971,027872,857715,053675,257457,440423,371359,644399,903390,981336,684272,870219,955
--------14.1%7.4%43.0%48.7%45.0%47.5%24.0%53.2%57.9%-53.7%41.4%
66.4%67.0%61.5%47.9%53.0%55.6%55.6%64.9%64.2%63.5%70.3%66.9%73.8%67.7%60.8%64.8%67.4%61.2%53.7%45.1%
1.701.731.180.972.408.658.4910.3817.729.478.179.814.785.504.087.1517.5711.978.987.68
0.400.380.470.920.570.470.480.220.260.330.300.410.350.480.640.540.480.630.861.22
-2.9%-1.1%35.9%0.4%1.4%1.4%1.0%1.8%1.8%1.6%6.6%1.9%10.1%10.1%1.4%16.3%11.8%16.3%19.4%24.8%
-1.9%-0.7%22.1%0.2%0.7%0.8%0.6%1.2%1.2%1.0%4.7%1.3%7.5%6.9%0.9%10.5%8.0%10.0%10.4%11.2%
6.7011.27over 1007.4028.73---------------
--------172 days48 days77 days55 days25 days175 days190 days128 days164 days-76 days146 days
--------48 days49 days26 days28 days50 days50 days120 days193 days28 days-30 days44 days

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Investments

fixed assets acquired
Item20252024202320222021
Tangible fixed assets€98,344€65,083€271,966€470,948€734,703
Financial fixed assets--€200,000--
€74,988€65,937€54,573€64,263€66,704

Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)

Insights on FINTEC

The operating result for 2025 is a loss of €34,323, after a profit of €178 in 2024. It is the lowest result since 2006.

Debt's share of the balance-sheet total rises from 25.6% to 26.4%. Equity is lower and debt is higher.

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