Fintegriteit
ActiveFintegriteit has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €70k and a net result of €11k. Equity is growing by ~9.4% per year across the filed fiscal years. Its solvency ranks better than 25% of 12690 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
65
/ 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
Profitability69▲+4
Solvency52▲+6
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity short (current ratio 0.91 against 0.74 in 2024; short-term debt: 48% and cash: 1.4% of total assets), and 73.1% 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 69
Relative position
BE, all sectors
reference
Sector 69
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
26.9%
Return on assets
4.1%
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 15-08-2026, 15 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 · 5 filingsDeviation from the deadline
2025
15 d late
2024
24 d late
2023
23 d late
2022
13 d late
2021
30 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€70k▲ 18.0%
2024 · €59k
2021: €47k
2022: €50k
2023: €50k
2024: €59k
2021 → 2025
Total assets
€259k▼ 9.9%
2024 · €288k
2021: €302k
2022: €291k
2023: €267k
2024: €288k
2021 → 2025
Net result
€11k▲ 20.2%
2024 · €9k
2021: €37k
2022: €3k
2023: €-135
2024: €9k
2021 → 2025
Working capital
€-11k▲ 70.6%
2024 · €-38k
2021: €-209k
2022: €-103k
2023: €-86k
2024: €-38k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€47k-€50k▲ 7.4%€50k▼ 0.3%€59k▲ 17.7%€70k▲ 18.0%
Operating result€60k-€21k▼ 65.8%€15k▼ 25.5%€28k▲ 83.6%€30k▲ 7.5%
Net result€37k-€3k▼ 90.6%€-135€9k€11k▲ 20.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 7% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €259k
Fixed assets
€146k▼ 19.8%
Current assets
€113k▲ 7.2%
Equity and liabilities €259k
Equity
€70k▲ 18.0%
Debt
€189k▼ 17.1%
The debt ratio falls from 79.5% to 73.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€67k▼
2024 · €69k
Cash flow
€48k▼
2024 · €50k
Solvency
26.9%▲
2024 · 20.5%
Current ratio
0.91▲
2024 · 0.74
Quick ratio
0.91▲
2024 · 0.74
Debt / equity
2.72▼
2024 · 3.87
ROE
15.3%▲
2024 · 15.0%
ROA
4.1%▲
2024 · 3.1%
Interest coverage
5.47▲
2024 · 5.06
Debt
€189k▼
2024 · €229k
Debt ≤ 1 year
€124k▼
2024 · €143k
Debt > 1 year
€64k▼
2024 · €84k
Income taxes
€7k▲
2024 · €6k
Staff costs
€76k▼
2024 · €121k
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€288k€259k▼
Fixed assets21/28€182k€146k▼
Intangible fixed assets21€176k€143k▼
Tangible fixed assets22/27€6k€3k▼
Land and buildings22€2k€463▼
Furniture and vehicles24€4k€3k▼
Current assets29/58€106k€113k▲
Amounts receivable within one year40/41€74k€100k▲
Trade receivables40€195€901▲
Other amounts receivable41€73k€99k▲
Cash at bank and in hand54/58€12k€4k▼
Deferred charges and accrued income490/1€20k€10k▼
Equity and liabilities
Total equity and liabilities10/49€288k€259k▼
Equity10/15€59k€70k▲
Contributions10/11€10k€10k=
Reserves13€49k€60k▲
Distributable reserves133€49k€60k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€229k€189k▼
Amounts payable after more than one year17€84k€64k▼
Financial debts170/4€84k€64k▼
Amounts payable within one year42/48€143k€124k▼
Current portion of amounts payable after more than one year42€31k€30k▼
Financial debts43€41k€40k▼
Credit institutions430/8€41k€40k▼
Trade debts44€5k€13k▲
Suppliers440/4€5k€13k▲
Taxes, remuneration and social security45€66k€42k▼
Taxes450/3€48k€28k▼
Remuneration and social security454/9€18k€14k▼
Accrued charges and deferred income492/3€805€772▼
Income statement
Code20242025
Non-recurring operating income76A-€9k
Remuneration, social security and pensions62€121k€76k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€41k€37k▼
Other operating charges640/8€662€4k▲
Non-recurring operating charges66A€2k€0▼
Gross operating margin9900€193k€147k▼
Operating profit (loss)9901€28k€30k▲
Financial income75/76B€41€0▼
Recurring financial income75€41€0▼
Financial charges65/66B€14k€12k▼
Recurring financial charges65€14k€12k▼
Profit (loss) for the period before taxes9903€14k€18k▲
Income taxes67/77€6k€7k▲
Profit (loss) for the period9904€9k€11k▲
Profit (loss) for the period to be appropriated9905€9k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€9k€11k▲
Profit (loss) brought forward from the previous period14P€-135€0▲
Transfer to equity691/2€9k€11k▲
To other reserves6921€9k€11k▲
The notes to these accounts (16 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
15-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 15 days late
2025
24-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 24 days late
2024
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
31-12
Financial
Weakest financial yearnet €-135 ▼104%
Net result drops to €-135, the lowest in the series; recovery starts the following year.
13-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 13 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Hasselt · 1 establishment unit since 2020
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.
Singelbeekstraat 1133500 HasseltGround area
542 m²
Building footprint
117 m²
Volume, LiDAR
749 m³
Parcel 71328D0447/00P000, Flanders · tallest building 11.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Fintegriteit
since 20202.303.485.823
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71328D0447/00P000 | Flanders | 542 m² | 1 · 117 m² | 11.1 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 6 entries · 6,446 EUR awarded · 6,447 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 1,791 EUR | 1,851 EUR |
| 2024 | 1 | 672 EUR | 612 EUR |
| 2023 | 1 | 1,405 EUR | 1,734 EUR |
| 2022 | 2 | 2,578 EUR | 2,250 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Vlaams opleidingsverlof (VOV)
Retroactieve investeringspremie voor eigenaars van zonnepanelen na afschaffing van terugdraaiende teller
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EXPERTEAM - D
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Of 12,175 companies in sector 69201 we hold annual accounts for 7,638. 6,259 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-06-2020
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.