Skip to content

FINTEC

Active Public limited companyfounded 1990active for 35 yearsKoninklijke Baan 280, 8670 KoksijdeKBO/BCE: BE 0442.409.278
FINTEC
Follow ReportCompare

Overview

Lifetime

20 annual accounts with figures on one time axis, 35 filings since 1991
peak €578,088 (2023)
€52,454▲ 72.0%
lowest -€36,024 (2025)
-€36,024▼ €22,269
peak €1.3m (2023)
€1.2m▼ 2.8%
€488,266▲ 0.9%
peak 0 FTE (2006)
-not published
Board3 names since 2018
2 directorsEric DELCROIX and 1 other
Documentsfilings and deeds
27-08-202627 days late
2025abbreviated format
Gross margin from €30,489 to €52,454Loss of €36,024Cash from €34,921 to €22,599

Key points

from the 2025 annual accounts

Losses

-€49,779 in two years
-13,7552024-36,0242025

The 2024 and 2025 financial years closed with a loss. 2025 was the heaviest.

Filings

35 annual accounts since 1991
AprilJune31 JulyOctober200020102020

Ten of the last ten came late. The 2019 accounts came latest: 86 days after the end of the period.

Position in the sector

-€36,024

Lower net result than 90% of companies in head offices and management consultancy. Sector median €37,500 · 10,856 companies.

Checked score

89
Excellent
Financially stronger than 41% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

The dashed line is the sector median: 0.1% across 48,570 companies (NACE 70, micro).

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 12-2024: 0.1% 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.1%● unchanged vs 06-2025 08-2025: 0.2%▲ +0.1 percentage points vs 07-2025 09-2025: < 0.1%▼ -0.2 percentage points vs 08-2025lowest value 10-2025: < 0.1%● unchanged vs 09-2025lowest value 11-2025: < 0.1%● unchanged vs 10-2025lowest value 12-2025: < 0.1%● unchanged vs 11-2025lowest value 01-2026: < 0.1%● unchanged vs 12-2025lowest value 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: 0.2%▲ +0.2 percentage points vs 02-2026 04-2026: 0.2%● unchanged vs 03-2026 05-2026: 0.2%● unchanged vs 04-2026 06-2026: 0.2%● unchanged vs 05-2026 07-2026: 0.3%▲ +0.1 percentage points vs 06-2026 08-2026: 0.5%▲ +0.2 percentage points vs 07-2026highest value 09-2026: 0.2%▼ -0.3 percentage points vs 08-2026 10-2026: 0.2%● unchanged vs 09-2026 11-2026: 0.2%● unchanged vs 10-2026

Financial strength
Strong

91-1equity 66.4% of total assets
51=short-term debt 10.9% · cash 1.2%
66-2return on assets -1.9%

Score breakdown

raises risk
1 change of registered office in 24 months
Liquidity: current ratio 1.70, cash €22,599
lowers risk
Size: total assets €1.9m
Figures for financial year 2025 (filed on 29-08-2026)
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 70, micro). It does better than 62% of them on solvency, 38% on liquidity, 30% on profitability and 35% on growth.

The bankruptcy probability was computed on 09-11-2026 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.

The probability rests on the annual accounts with balance sheet date 31-12-2025.

Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.

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).

Comparable companies, two years later

In July 2024, 8,617 companies had the same profile as FINTEC has now. Each dot stands for 22 companies, two years later.

94.2%
were still trading
5.2%
stopped another way
0.4%
went bankrupt
  • Small
  • 20 years or older
  • solvency 30% or more
  • a small loss

Another 0.2% stopped without a precise date, possibly only after those two years.

That fits the bankruptcy probability of FINTEC itself: 0.2% within 12 months.

Test of the method

The method was tested on the 497,447 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.

The companies in ten equal groups, from the lowest to the highest expected share
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 8,617 companies, not a prediction for FINTEC. 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.

Credit verdict

Credit of up to €100,000 on 30-day terms is acceptable

Liquidity is ample, with a current ratio of 1.7 (1.73 in 2024), above the usual 1.5. Short-term debt is 10.9% and cash 1.2% of total assets. 33.6% of the assets are financed with debt and provisions.

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises risk
raises risk · 1 change of registered office in 24 months
Belgian Official Gazette
lowers risk · Size: total assets €1.9m
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Liquidity: current ratio 1.70, cash €22,599
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed on 29-08-2026)
NBB · annual accounts
raises risk · 2025 accounts filed 27 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
27 days late
2024
24 days late
2023
27 days late
2022
12 days late
2021
63 days late
2020
55 days late
2019
86 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 42 days after the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 27 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Board and ownership

ED
Eric DELCROIX
Director, since 17-01-2018
IM
Isabelle MASSY
Director, since 17-01-2018
Board & ownership

Recent changes

Amendment of the articles General meeting of 11-12-2025 · Gazette deed
Registered office moved from Ath - Boulevard du Parc to Koksijde - Koninklijke Baan New registered office: 280 - bus 202, 8670 Koksijde - Koninklijke Baan · Previous registered office: 7800 Ath - Boulevard du Parc 5 - boite 2 · Reappointments: Eric DELCROIX (director) and Isabelle MASSY (director) · Gazette deed
Registered in the Peppol Directory Reachable for e-invoices through 0208:0442409278
Registered office moved from Chièvres to Ath New registered office: Boulevard du Parc 5, boite 2, 7800 Ath · Previous registered office: Rue Jean Brésard 76A, 7950 Chièvres · Resignation: Luc DELCROIX (director) · General meeting of 14-06-2022 · Gazette deed
All 46 events

Comparable companies

same main activity, similar in size and age
Company
FINTEC Koksijde €1.9m €52,454 66.4% -
AD REM Waregem €1.7m €58,497 85.0% -
DEBAVEST Bruges €2.0m €55,101 56.2% -
INVESTMAER Wervik €1.8m €57,593 68.8% 0
VEMACO Kortrijk €1.5m €49,583 18.5% -
DEVAN SERVICES Izegem €1.5m €54,598 85.6% -
Management Consulting Borefin Knokke-Heist €2.2m €51,904 48.3% -

These companies have the same main activity as FINTEC: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €1.5m and €2.2m, founded between 1985 and 1994.

Official details

Source: KBO
Status
Active since 21-12-1990Normal situation
Activity
Business and other management consultancyNACE 70200
Establishment unit
2.050.934.0498670 Koksijde, since 07-01-1991
Financial year end
31 December
Peppol
Reachable since 17-12-2025
Company details

Annual accounts 2025

€52,454▲ 72.0%
≈ €100,000estimated
€36,024▲ 162%
€1.2m▼ 2.8%
€1.9m▼ 2.0%
Filing
Filed on 27-08-2026
Financials

Insights on FINTEC

FINTEC files the abbreviated format. That format states no turnover. The gross margin fell from €122,550 in 2006 to €52,454 in 2025.

The balance sheet grew most from 2021 to 2023 through fixed assets.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

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.

Board & ownership

Board

2 directors, last change in 2025
Eric DELCROIX
Director
since 17-01-2018 6-year term from 2025
listed in the 2025 annual accounts, filed on 27-08-2026
Isabelle MASSY
Director
since 17-01-2018 6-year term from 2025
listed in the 2025 annual accounts, filed on 27-08-2026

Office holders in the KBO →

Mandates through the years

3 names, the dashed line is today
Eric DELCROIX
Director
Isabelle MASSY
Director
Luc DELCROIX
Director
BoardEarlierRest of the termmandate already running before its first mention
Mandates as a list
  • Eric DELCROIX
    • Director, from 17-01-2018 to date
  • Isabelle MASSY
    • Director, from 17-01-2018 to date
  • Luc DELCROIX
    • Director, until 16-06-2022

See the board, name and registered office on a given date →

Control

See the annual accounts at the National Bank and the publications in the Belgian Official Gazette.

Capital

Capital
€62,000
Shares
2,500
Contribution per share
€24.80
Equity per share
€492 in 2025
Source
deed of 08-04-2026

Articles of association

DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 08-04-2026 (in French)
Board ruleThese rules set how the board is made up, meets and takes decisions.
At least 3 directors
Term of at most 6 years
“Bestuurder, tenzij algemene vergadering anders beslist”
“Raad kan voorzitter uit leden kiezen, voorzitterschap raad van bestuur”
“Elke bestuurder kan andere machtigen voor bepaalde vergadering, beraadslagingen raad van bestuur”
deed of 08-04-2026 (in French)
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Fourth Monday of May at 09:00
deed of 16-06-2022 (in French)

Network & group

No group

FINTEC has no parent and no holdings in its annual accounts. FINTEC shares no director with another company.

Timeline

Timeline

46 events since 1990

Deadline for the 2026 accounts: 31-07-2027

2026
Annual accounts 2025 filed NBBabbreviated format · 27 days late
Amendment of the articlesGeneral meeting of 11-12-20252 points ▸
  • General meeting, 11-12-2025
  • Capital, €62,000, 2,500 shares
  • The deed holds 3 more points.

Open the deed in the Belgian Official Gazette

Registered office moved from Ath - Boulevard du Parc to Koksijde - Koninklijke BaanNew registered office: 280 - bus 202, 8670 Koksijde - Koninklijke Baan · Previous registered office: 7800 Ath - Boulevard du Parc 5 - boite 2 · Reappointments: Eric DELCROIX (director) and Isabelle MASSY (director)3 points ▸
  • Registered-office move, 280 - bus 202, 8670 Koksijde - Koninklijke Baan
  • Director reappointment, Eric DELCROIX
  • Director reappointment, Isabelle MASSY
  • The deed holds 1 more point.

Open the deed in the Belgian Official Gazette

2025
Weakest financial year net -€36,024 The net result drops to -€36,024, the lowest from 2006 to 2025.
Registered in the Peppol Directory Reachable for e-invoices through 0208:0442409278
Annual accounts 2024 filed PDFmicro format · 24 days late
2024
Annual accounts 2023 filed PDFmicro format · 27 days late
2023
Highest result from 2006 to 2025 net €459,950 ▲13,117% The operating result of €604,186 and the net result of €459,950 are both a record.
Equity above €1m equity €1.3m ▲56.1% Equity rises from €819,624 to €1.3m.
Annual accounts 2022 filed PDFmicro format · 12 days late
2022
Annual accounts 2021 filed PDFmicro format · 63 days late
Registered office moved from Chièvres to AthNew registered office: Boulevard du Parc 5, boite 2, 7800 Ath · Previous registered office: Rue Jean Brésard 76A, 7950 Chièvres · Resignation: Luc DELCROIX (director) · General meeting of 14-06-20227 points ▸
  • Director resignation, Luc DELCROIX
  • Director discharge, Luc DELCROIX
  • Director reappointment, Eric DELCROIX
  • Director reappointment, Isabelle MASSY
  • General meeting, 14-06-2022
  • Registered-office move, Boulevard du Parc 5, boite 2, 7800 Ath
  • Capital, €62,000, 2,500 shares
  • The deed holds 4 more points.

Open the deed in the Belgian Official Gazette

2021
Annual accounts 2020 filed PDFmicro format · 55 days late
2020
Annual accounts 2019 filed PDFmicro format · 86 days late
2019
Annual accounts 2018 filed PDFmicro format · 59 days late
2018
Annual accounts 2017 filed PDFmicro format · 54 days late
2017
Annual accounts 2016 filed PDFmicro format · 55 days late
2016
Annual accounts 2015 filed PDFfull format · 59 days late
2015
Annual accounts 2014 filed PDFfull format · 57 days late
2014
Liquidity doubles current ratio 9.81 The current ratio rises from 4.78 to 9.81. Short-term debt falls from €120,872 to €76,675.
Annual accounts 2013 filed PDFfull format · 53 days late
2013
Annual accounts 2012 filed PDFfull format · 53 days late
2012
Annual accounts 2011 filed PDFfull format · 82 days late
2011
Annual accounts 2010 filed PDFfull format · 85 days late
2010
Equity above €500,000 equity €585,828 ▲19.4% With a profit in every financial year since 2006, equity grows to €585,828.
Annual accounts 2009 filed PDFfull format · 72 days late
2009
Annual accounts 2008 filed PDFfull format · 75 days late
2008
Annual accounts 2007 filed PDFfull format · 88 days late
2007
Annual accounts 2006 filed PDFfull format · 127 days late
2006
Annual accounts 2005 filed PDFfull format
2005
Annual accounts 2004 filed PDFfull format
2004
Annual accounts 2003 filed PDFfull format
2003
Annual accounts 2002 filed PDFfull format
2002
Annual accounts 2001 filed PDFfull format
2001
Annual accounts 2000 filed PDFfull format
2000
Annual accounts 1999 filed PDFfull format
1999
Annual accounts 1998 filed PDFfull format
1998
Annual accounts 1997 filed PDFfull format
1997
Annual accounts 1996 filed PDFfull format
1996
Annual accounts 1995 filed PDFfull format
1995
Annual accounts 1994 filed PDFfull format
1994
Annual accounts 1993 filed PDFfull format
1993
Annual accounts 1992 filed PDFfull format
1992
Annual accounts 1991 filed PDFfull format
1991
First establishment Koninklijke Baan 280, Koksijde
1990
Incorporation published on 12-01-1991

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

On 21 December 1990, FINTEC was incorporated.1 The registered office moved to Ath in 2022 and to Koksijde - Koninklijke Baan in 2026.23 Total assets went from €1.2m in 2018 to €1.9m in 2025.4

  1. 1KBO register
  2. 2Belgian Official Gazette, 16-06-2022
  3. 3Belgian Official Gazette, 10-02-2026
  4. 4National Bank, annual accounts 2018 and 2025

Company details

Identity

Enterprise number
0442.409.278
VAT number
BE 0442.409.278
Peppol ID
0208:0442409278
Other Peppol ID
9925:BE0442409278
LEI code
69940053QP3WPP4P5Y66 no longer live in the LEI register
Legal form
Public limited company
Status
Active, normal situation
Founded
21-12-1990
Financial year
ends on 31 December
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Fourth Monday of May at 09:00
deed of 16-06-2022 (in French)
Peppol
Reachable since 17-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
FINTEC in French
Name
FINTEC in Dutch
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 08-04-2026 (in French)
Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Waals Gewest”
deed of 08-04-2026 (in French)

Activities

NACEBEL 2025
70200 Business and other management consultancy main activity
Codes under NACEBEL 2008
70220 Business consulting main activity
Codes under NACEBEL 2003
74142 main activity
PurposeThe purpose describes the activities the company may carry out under its articles.
“De handel, zowel de aankoop als de verkoop, zowel in de detailhandel als in de groothandel, zowel de import als de export, de verkoop op…”
7 activities
  1. De handel, zowel de aankoop als de verkoop, zowel in de detailhandel als in de groothandel, zowel de import als de export, de verkoop op commissiebasis, de vertegenwoordiging, de verkoop in consignatie van alle voor huishoudelijk of industrieel gebruik bestemde voorwerpen, vervaardigd uit synthetische of natuurlijke materialen
  2. Het ontwerpen en ontwikkelen van producten van kunststof en in het bijzonder van lichtgewicht kunststof, van fabricageprocessen, gereedschappen, matrijzen en mallen voor de productie
  3. De vennootschap kan zich door middel van inbreng, fusie, splitsing, deelneming, inschrijving en op elke andere wijze interesseren in alle vennootschappen, ondernemingen of verenigingen die een soortgelijk of verwant doel hebben, of die de verwezenlijking van haar doel kunnen bevorderen, haar grondstoffen kunnen verschaffen of de afzet van haar producten en diensten kunnen vergemakkelijken
  4. Alle transacties met effecten, met name de verwerving, inschrijving, ruil, arbitrage en vervreemding van alle soorten effecten, aandelen, obligaties, gestructureerde producten, fondsen, opties, warrants; het nemen van deelnemingen in of het verkrijgen van zeggenschap over andere vennootschappen
  5. De vervaardiging van alle voorwerpen voor industrieel of huishoudelijk gebruik, uit synthetische of natuurlijke materialen, de vervaardiging van kunststoffen, het plastificeren en in het bijzonder de productie van lichtgewicht kunststof, alsmede alle daarmee verband houdende studies, fabricage, plaatsing en afwerking, zowel op eigen kracht als in samenwerking met of door onderaannemers
  6. Alle vastgoedtransacties voor eigen rekening, en in het bijzonder de aankoop, het beheer, de valorisatie, de transformatie, de splitsing, de sloop, de bouw, de wederopbouw, de wijziging, de inrichting, de verhuur en de vervreemding van onroerende goederen en zakelijke rechten op onroerende goederen
  7. De import en export van productiemateriaal en grondstoffen
deed of 08-04-2026 (in French)

Registered office and establishments

1 establishment
Establishment Since Unit number
Koninklijke Baan 280 registered office 8670 Koksijde 2110001 Manufacture of basic pharmaceutical products and pharmaceutical preparations 07-01-1991 2.050.934.049
1 former office
  • 7950 Chièvres until the deed of 16-06-2022

Buildings and parcels at the address

Ground area
950 m²
Buildings
292 m²
Volume, LiDAR
1,176 m³
Tallest building
12.1 m
Buildings to scale, each on its own parcel
292 m², 12.1 m 292 m², 12.1 m

Location

registered office establishment The establishment unit on the map

Parcels

Cadastral parcelArea Buildings Height / floors
38014D0846/00A000950 m² 1 · 292 m² 12.1 m · 1

We would like to set cookies. That happens only with your consent. What we measure