FINTECT
ActiveFINTECT has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €289k and a net result of €67k. Equity is growing by ~3.9% per year across the filed fiscal years. Its solvency ranks better than 68% of 37972 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
88
/ 100
Excellent▼ -12 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency80▼-10
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity tight (current ratio 1.11 against 1.53 in 2023), and 26.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers 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 →
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
neutral · Filed after the deadline
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. 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
85 d late
2023
57 d late
2022
21 d late
2021
23 d late
2020
13 d late
2019
91 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€289k▲ 10.5%
2023 · €262k
2018: €207k
2019: €243k
2020: €252k
2021: €239k
2022: €203k
2023: €262k
2018 → 2024
Total assets
€393k▼ 1.0%
2023 · €397k
2018: €342k
2019: €396k
2020: €416k
2021: €328k
2022: €394k
2023: €397k
2018 → 2024
Net result
€67k▼ 38.2%
2023 · €109k
2018: €58k
2019: €70k
2020: €54k
2021: €62k
2022: €33k
2023: €109k
2018 → 2024
Working capital
€9k▼ 83.4%
2023 · €55k
2018: €88k
2019: €107k
2020: €110k
2021: €87k
2022: €2k
2023: €55k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€252k-€239k▼ 5.1%€203k▼ 15.3%€262k▲ 29.2%€289k▲ 10.5%
Operating result€71k-€83k▲ 17.1%€49k▼ 40.8%€154k▲ 215%€84k▼ 45.5%
Net result€54k-€62k▲ 13.9%€33k▼ 46.1%€109k▲ 226%€67k▼ 38.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 46% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €393k
Fixed assets
€299k▲ 25.5%
Current assets
€93k▼ 40.9%
Equity and liabilities €393k
Equity
€289k▲ 10.5%
Debt
€103k▼ 23.3%
The debt ratio falls from 34.0% to 26.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€90k▼
2023 · €160k
Cash flow
€73k▼
2023 · €115k
Solvency
73.7%▲
2023 · 66.0%
Current ratio
1.11▼
2023 · 1.53
Quick ratio
1.11▼
2023 · 1.53
Debt / equity
0.36▼
2023 · 0.51
ROE
23.3%▼
2023 · 41.7%
ROA
17.2%▼
2023 · 27.5%
Interest coverage
63.42▼
2023 · 69.52
Debt
€103k▼
2023 · €135k
Debt ≤ 1 year
€84k▼
2023 · €104k
Debt > 1 year
€19k▼
2023 · €31k
Income taxes
€15k▼
2023 · €44k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€397k€393k▼
Fixed assets21/28€238k€299k▲
Tangible fixed assets22/27€168k€162k▼
Land and buildings22€168k€162k▼
Financial fixed assets28€70k€137k▲
Current assets29/58€158k€93k▼
Amounts receivable within one year40/41€78k€66k▼
Trade receivables40€8k€8k=
Other amounts receivable41€70k€58k▼
Cash at bank and in hand54/58€76k€24k▼
Deferred charges and accrued income490/1€4k€4k▼
Equity and liabilities
Total equity and liabilities10/49€397k€393k▼
Equity10/15€262k€289k▲
Contributions10/11€6k€6k=
Reserves13€33k€33k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€31k€31k=
Profit (loss) carried forward14€223k€250k▲
Amounts payable17/49€135k€103k▼
Amounts payable after more than one year17€31k€19k▼
Financial debts170/4€31k€19k▼
Amounts payable within one year42/48€104k€84k▼
Current portion of amounts payable after more than one year42€12k€12k▲
Trade debts44€33k€14k▼
Suppliers440/4€33k€14k▼
Taxes, remuneration and social security45€49k€56k▲
Taxes450/3€49k€56k▲
Other amounts payable47/48€9k€2k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▲
Other operating charges640/8€85€63▼
Non-recurring operating charges66A€5k-
Gross operating margin9900€164k€90k▼
Operating profit (loss)9901€154k€84k▼
Financial income75/76B€1k€44▼
Recurring financial income75€1k€44▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€153k€83k▼
Income taxes67/77€44k€15k▼
Profit (loss) for the period9904€109k€67k▼
Profit (loss) for the period to be appropriated9905€109k€67k▼
Appropriation of the result
Profit (loss) to be appropriated9906€273k€290k▲
Profit (loss) brought forward from the previous period14P€164k€223k▲
Profit to be distributed694/7€50k€40k▼
Return on contributions (dividend)694€50k€40k▼
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
24-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 85 days late
2024
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 57 days late
2023
31-12
Financial
Highest result since 2018net €109k ▲226%
Operating result €154k, net result €109k, both a record.
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 21 days late
2022
31-12
Financial
Weakest financial yearnet €33k ▼46.1%
Net result drops to €33k, the lowest in the series; recovery starts the following year.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
13-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 13 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
29-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 90 days late
2018
19-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 111 days late
2017
19-12
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 141 days late
2016
15-12
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 137 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, Vilvoorde · 1 establishment unit since 2010
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.
Indringingsweg 31800 VilvoordeGround area
1.2 ha
Building footprint
670 m²
Volume, LiDAR
5,317 m³
Parcel 23645B0086/00L000, Flanders · tallest building 10.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Indringingsweg 3, 1800 Vilvoorde
since 20102.191.763.795
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23645B0086/00L000 | Flanders | 1.2 ha | 1 · 670 m² | 10.5 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 82,201 companies in sector 70200 we hold annual accounts for 52,400. 38,226 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-07-2010
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.