FINTECT

Active

Private limited companyfounded 2010active for 16 yearsIndringingsweg 3, 1800 Vilvoorde, BelgiumKBO/BCE: BE 0827.887.872

Summary

FINTECT has been active since 2010 and the Belgian Official Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €289,424 and a net result of €67,448. Equity is growing by about 3.9% per year across the filed financial years. Its solvency ranks better than 68% of 37,592 sector peers (NACE 70, financial year 2024). The computed 12-month bankruptcy probability is 0.8% (low).

Risk analysisFollow Report Compare

FINTECTActiveChecked score 56/100

Risk analysis Report Compare

Activity

Business and other management consultancy

NACE 70200

1 site

Size

€392,767total assets 2024

Equity: €289,424
Profit: €67,448

Turnover not published (micro format)

Financial health

56 Fair Checked score 2024

Bankruptcy probabilitywithin 12 months: 0.8%

Structure

DELPLANQUE ThomasDirector

2025 accounts not filed, 88 days past the deadline1 of 2 deeds summarised

Why 56raises riskCapped at 59: a confirmed filing findingFigures for financial year 2024 (filed 24-10-2025)1 financial year not filed after the legal deadline; last filed accounts filed 85 days late; 2 of the last 3 latelowers riskSector: Activities of head offices; management consultancy activities (NACE 70)Size: total assets €392,767Show the evidence

Checked score

Score 2024

56 / 100

Fair

Probability in this band: 1.5% to 4.2%

Financially better than 56% of its sector peers (NACE 70, micro)

A confirmed filing finding caps the score at 59. Every signal that counts is listed under Signals.

Financial strength · tick = 2023

Strong

Solvency 99+8

equity 73.7% of total assets

Liquidity 50-14

short-term debt 21.5% · cash 6.0%

Profitability 90-10

return on assets 17.2%

Bankruptcy probability, 12 months

0.8% Low

0%0.5%1.5%4%10%≥ 25%

About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (48,443 companies, NACE 70, micro)

Last 24 months 11-2024: 0.1% 12-2024: 0.1%● unchanged vs 11-2024 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025lowest value 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: 0.1%● unchanged vs 07-2025 09-2025: 0.2%▲ +0.1 percentage points vs 08-2025 10-2025: 0.2%● unchanged vs 09-2025 11-2025: 0.4%▲ +0.2 percentage points vs 10-2025 12-2025: 0.4%● unchanged vs 11-2025 01-2026: 0.4%● unchanged vs 12-2025 02-2026: 0.4%● unchanged vs 01-2026 03-2026: 0.3%▼ -0.1 percentage points vs 02-2026 04-2026: 0.3%● unchanged vs 03-2026 05-2026: 0.3%● unchanged vs 04-2026 06-2026: 0.3%● unchanged vs 05-2026 07-2026: 0.3%● unchanged vs 06-2026 08-2026: 0.6%▲ +0.3 percentage points vs 07-2026 09-2026: 0.6%● unchanged vs 08-2026 10-2026: 0.8%▲ +0.2 percentage points vs 09-2026highest value

Credit of up to €16,000 on 30-day terms, only on tighter conditions: an expected filing is missing beyond Checked's processing allowance

Liquidity tight (current ratio 1.11, compared with 1.53 in 2023, below the usual 1.5; short-term debt: 21.5% and cash: 6% of total assets), and 26.3% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 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): better than 70% on solvency, 36% on liquidity, 60% on profitability and 58% on growth.

The bankruptcy probability was computed on 26-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.

lowers riskraises risk

Figures for financial year 2024 (filed 24-10-2025)

NBB · annual accounts

Sector: Activities of head offices; management consultancy activities (NACE 70)

KBO

1 financial year not filed after the legal deadline; last filed accounts filed 85 days late; 2 of the last 3 late

NBB · filings

Size: total assets €392,767

Companies of this size fail less often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Annual accounts not filed

The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 88 days later.

NBB · 10 filings

Position against the passed deadline

31-12-2025 year end31-07-2026 deadline27-10-2026 today

2024 accounts filed 85 days late

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-10-2025, 85 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

not filed

2024

85 days late

2023

57 days late

2022

21 days late

2021

23 days late

2020

13 days late

2019

91 days late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 48 days after the deadline; the sector median (NACE 70) for financial year 2024 is 9 days before the deadline, and 32% of those companies filed late.

Searched, nothing found (1)

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

24-10-2025 Annual accounts filedfinancial year 2024 · micro…
07-10-2025 Amendment of the articles · Legal-form…Resignation: DELPLANQUE Thomas (manager) ·…
26-09-2024 Annual accounts filedfinancial year 2023 · micro…

Key points

Caution: 2025 accounts not fileddeadline was 31-07-2026 88 days past the deadline View
Positive: 7 profitable years in a rowprofit 2024: €67,448 7 years View
One director decidessole director in office 1 View

By topic

Financials

Financial year: 2024
Total assets: €392,767
Profit: €67,448
Solvency: 73.7%

Total assets▼ 1.0%

Net result

20182024

Go to Financials

Board & ownership

Board: 1 member

DELPLANQUE ThomasDirector

Go to Board & ownership

Timeline

Events: 18
Since: 2011

31-12-2023Highest result from 2018 to 2024
21-08-2023Annual accounts filed
31-12-2022Weakest financial year

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company
Activity: Business and other management consultancyNACE 70200
Founded: 16-07-2010
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Articles of association

Provisions read: 24

Purpose: “Alle activiteiten van consultant, studie, research, prospectie, beheer, coördinatie, de…” (deed in Dutch)

Go to Articles of association

Key facts about FINTECT

What is the company number of FINTECT?: 0827.887.872. In Belgium the VAT number is the company number with BE in front: BE 0827.887.872.
Where is FINTECT based?: The registered office is at Indringingsweg 3, 1800 Vilvoorde.Company details
What does FINTECT do?: According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
What is the legal form of FINTECT?: Private limited company (BV).
When was FINTECT founded?: On 16-07-2010.
Is FINTECT still active?: Yes, FINTECT is an active enterprise in the KBO register.
What is the turnover of FINTECT?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is FINTECT profitable?: In financial year 2024, FINTECT made a profit of €67,448.
Where can I find the annual accounts of FINTECT?: FINTECT filed 15 annual accounts with the National Bank of Belgium, the latest for financial year 2024.