FINTECH - INTERNATIONAL
ActiveFINTECH - INTERNATIONAL has been active since 1979 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €570k and a net result of €391k. Equity is shrinking by ~7% per year across the filed fiscal years. Its solvency ranks better than 30% of 4827 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▲+89
Solvency52▼-48
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 91.35 against 8.22 in 2024; short-term debt: 0.9% and cash: 1% of total assets), but 72.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
27.3%
Return on assets
18.7%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €570k
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
25 d late
2023
61 d late
2022
106 d late
2021
108 d late
2020
116 d late
2019
114 d late
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€391k
2024 · €-39k
2018: €10k
2019: €404
2020: €-7k
2021: €-30k
2022: €-30k
2023: €-35k
2024: €-39k
2018 → 2025
Working capital
€1.69M▲ 3,065%
2024 · €53k
2018: €158k
2019: €123k
2020: €23k
2021: €16k
2022: €34k
2023: €58k
2024: €53k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€283k-€253k▼ 10.6%€218k▼ 13.8%€180k▼ 17.7%€570k▲ 217%
Operating result€-27k-€-27k▼ 2.3%€-36k▼ 32.0%€-38k▼ 7.0%€500k
Net result€-30k-€-30k=€-35k▼ 15.8%€-39k▼ 10.6%€391k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €500k after a loss of €38k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.09M
Fixed assets
€385k▲ 181%
Current assets
€1.71M▲ 2,711%
Equity and liabilities €2.09M
Equity
€570k▲ 217%
Provisions
€122k
Debt
€1.40M▲ 7,572%
The debt ratio rises from 9.2% to 66.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€510k▲
2024 · €2k
Cash flow
€401k▲
2024 · €2k
Solvency
27.3%▼
2024 · 90.8%
Current ratio
91.35▲
2024 · 8.22
Quick ratio
91.35▲
2024 · 8.22
Debt / equity
2.45▲
2024 · 0.10
ROE
68.5%▲
2024 · -21.4%
ROA
18.7%▲
2024 · -19.5%
Interest coverage
15.44▲
2024 · 0.36
Debt
€1.40M▲
2024 · €18k
Debt ≤ 1 year
€19k▲
2024 · €7k
Debt > 1 year
€1.38M▲
2024 · €10k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€198k€2.09M▲
Fixed assets21/28€137k€385k▲
Tangible fixed assets22/27€135k€383k▲
Land and buildings22€30k€383k▲
Plant, machinery and equipment23€3k-
Other tangible fixed assets26€102k-
Financial fixed assets28€2k€2k▼
Current assets29/58€61k€1.71M▲
Amounts receivable within one year40/41€2k€1.68M▲
Other amounts receivable41€2k€1.68M▲
Cash at bank and in hand54/58€54k€21k▼
Deferred charges and accrued income490/1€5k-
Equity and liabilities
Total equity and liabilities10/49€198k€2.09M▲
Equity10/15€180k€570k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€118k€508k▲
Non-distributable reserves130/1€14k€14k=
Legal reserve130€14k€14k=
Tax-exempt reserves132-€365k
Distributable reserves133€103k€129k▲
Provisions and deferred taxes16-€122k
Deferred taxes168-€122k
Amounts payable17/49€18k€1.40M▲
Amounts payable after more than one year17€10k€1.38M▲
Financial debts170/4-€1.38M
Other amounts payable178/9€10k-
Amounts payable within one year42/48€7k€19k▲
Trade debts44€7k€5k▼
Suppliers440/4€7k€5k▼
Advances received on contracts in progress46-€3k
Other amounts payable47/48-€11k
Accrued charges and deferred income492/3€1k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€10k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-20k€0▲
Other operating charges640/8€41k€7k▼
Non-recurring operating charges66A€6k-
Gross operating margin9900€28k€517k▲
Operating profit (loss)9901€-38k€500k▲
Financial income75/76B€5k€45k▲
Recurring financial income75€5k€45k▲
Financial charges65/66B€5k€33k▲
Recurring financial charges65€5k€33k▲
Profit (loss) for the period before taxes9903€-39k€512k▲
Transfer to deferred taxes680-€122k
Income taxes67/77€-96-
Profit (loss) for the period9904€-39k€391k▲
Transfer to tax-exempt reserves689-€365k
Profit (loss) for the period to be appropriated9905€-39k€26k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-39k€26k▲
Transfer from equity791/2€39k-
Transfer to equity691/2-€26k
To other reserves6921-€26k
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Back to profitnet €391k
Net result €391k after 5 loss-making years.
31-12
Financial
Liquidity times 11current ratio 91.35
Current ratio from 8.22 to 91.35.
31-12
Financial
Equity above €500kEq €570k ▲217%
Equity rises from €180k to €570k.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Weakest financial yearnet €-39k
Net result drops to €-39k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 5current ratio 8.22
Current ratio from 1.73 to 8.22; short-term debt falls from €80k to €7k.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
14-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 106 days late
2022
16-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 108 days late
2021
24-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 116 days late
2020
22-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 114 days late
2019
31-12
Financial
Liquidity quadruplescurrent ratio 68.71
Current ratio from 18.62 to 68.71; short-term debt falls from €9k to €2k.
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 20 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Elsene · 1 establishment unit since 1980
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Waterloose Steenweg 4341050 ElseneGround area
198 m²
Building footprint
149 m²
Volume, LiDAR
1,352 m³
Parcel 21447B0299/00G000, Brussels · tallest building 17.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Waterloose Steenweg 434, 1050 Elsene
since 19802.017.743.421
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21447B0299/00G000 | Brussels | 198 m² | 1 · 149 m² | 17.0 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 165 companies in sector 46491 we hold annual accounts for 90. 68 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded09-11-1979
Fiscal year end31-12
Activities, NACEBEL
46491Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 46 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.