Fintechnicon
ActiveFintechnicon has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €105k and a net result of €525. Equity is growing by ~12.6% per year across the filed fiscal years. Its solvency ranks better than 76% of 31616 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability55▼-35
Solvency100▲+6
Growth52=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 4.83 against 2.62 in 2024; short-term debt: 20.2% and cash: 85.1% of total assets), and 20.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
79.8%
Return on assets
0.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filingsDeviation from the deadline
2025
28 d late
2024
25 d late
2023
98 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€105k▲ 0.5%
2024 · €105k
2023: €79k
2024: €105k
2023 → 2025
Total assets
€132k▼ 12.9%
2024 · €151k
2023: €117k
2024: €151k
2023 → 2025
Net result
€525▼ 98.0%
2024 · €26k
2023: €74k
2024: €26k
2023 → 2025
Working capital
€102k▲ 39.0%
2024 · €73k
2023: €45k
2024: €73k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€79k-€105k▲ 32.9%€105k▲ 0.5%
Operating result€92k-€35k▼ 61.6%€3k▼ 90.6%
Net result€74k-€26k▼ 64.9%€525▼ 98.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 91% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €132k
Fixed assets
€3k▼ 90.1%
Current assets
€129k▲ 8.5%
Equity and liabilities €132k
Equity
€105k▲ 0.5%
Debt
€27k▼ 42.9%
The debt ratio falls from 30.8% to 20.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€5k▼
2024 · €41k
Cash flow
€2k▼
2024 · €31k
Solvency
79.8%▲
2024 · 69.2%
Current ratio
4.83▲
2024 · 2.62
Quick ratio
4.83▲
2024 · 2.62
Debt / equity
0.25▼
2024 · 0.45
ROE
0.5%▼
2024 · 24.8%
ROA
0.4%▼
2024 · 17.1%
Interest coverage
4.27▼
2024 · 20.20
Debt
€27k▼
2024 · €47k
Debt ≤ 1 year
€27k▼
2024 · €45k
Income taxes
€2k▼
2024 · €7k
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€151k€132k▼
Formation expenses20€0-
Fixed assets21/28€33k€3k▼
Tangible fixed assets22/27€33k€3k▼
Land and buildings22€29k€0▼
Furniture and vehicles24€4k€3k▼
Current assets29/58€118k€129k▲
Amounts receivable within one year40/41€18k€16k▼
Trade receivables40€18k€16k▼
Other amounts receivable41€84€0▼
Cash at bank and in hand54/58€98k€112k▲
Deferred charges and accrued income490/1€3k€108▼
Equity and liabilities
Total equity and liabilities10/49€151k€132k▼
Equity10/15€105k€105k▲
Contributions10/11€5k€5k=
Reserves13€100k€100k▲
Distributable reserves133€100k€100k▲
Amounts payable17/49€47k€27k▼
Amounts payable within one year42/48€45k€27k▼
Trade debts44€3k€5k▲
Suppliers440/4€3k€5k▲
Taxes, remuneration and social security45€35k€17k▼
Taxes450/3€35k€17k▼
Other amounts payable47/48€8k€5k▼
Accrued charges and deferred income492/3€2k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€2k▼
Other operating charges640/8€175€460▲
Non-recurring operating charges66A-€37k
Gross operating margin9900€41k€43k▲
Operating profit (loss)9901€35k€3k▼
Financial income75/76B€5€57▲
Recurring financial income75€5€57▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€33k€2k▼
Income taxes67/77€7k€2k▼
Profit (loss) for the period9904€26k€525▼
Profit (loss) for the period to be appropriated9905€26k€525▼
Appropriation of the result
Profit (loss) to be appropriated9906€26k€525▼
Transfer to equity691/2€26k€525▼
To other reserves6921€26k€525▼
The notes to these accounts (8 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Weakest financial yearnet €525 ▼98%
Net result drops to €525, the lowest in the series.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Equity above €100kEq €105k ▲32.9%
2 profitable years in a row build equity to €105k.
06-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 98 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Sint-Martens-Latem · 1 establishment unit since 2023
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.
Vossestaart 229830 Sint-Martens-LatemGround area
3,641 m²
Building footprint
357 m²
Volume, LiDAR
1,554 m³
2 parcels, Flanders · tallest building 8.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Fintechnicon
since 20232.345.628.462
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44064A0495/00B000 | Flanders | 2,166 m² | 1 · 198 m² | 8.6 m · 1 fl. |
| 44064A0493/00H000 | Flanders | 1,475 m² | 1 · 159 m² | 7.0 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Lipauflo
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LINI CONSULT
BE 0792.246.015
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JANIRO
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 40,671 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-04-2023
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.