Fintek
ActiveSummary
Fintek has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €95k and a net result of €-20k. Equity is growing by ~17.3% per year across the filed fiscal years. Its solvency ranks better than 24% of 1906 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability61▼-7
Solvency46▼-1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.06 against 0.86 in 2024; short-term debt: 10.3% and cash: 4.7% of total assets), and 79.4% of the assets are financed with debt.
Credit check 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 63
Relative position
BE, all sectors
reference
Computing infrastructure, data processing, hosting and other information service activities (NACE 63)
about 52% fewer bankruptcies
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
20.6%
Return on assets
-4.4%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year €-20k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 1906 sector peers (2025).
NBB · sector comparisonPosition among 1906 sector peers
Solvency
better than 24%
← weakest
strongest →
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 15-07-2026, 16 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
16 d early
2024
13 d late
2023
6 d early
2022
31 d late
2021
6 d early
2020
9 d early
2019
7 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€95k▼ 17.6%
2024 · €115k
2019: €32klowest in 7 years
2020: €56k▲ +73.6% vs 2019
2021: €70k▲ +24.8% vs 2020
2022: €86k▲ +21.7% vs 2021
2023: €118k▲ +37.7% vs 2022highest in 7 years
2024: €115k▼ -2.2% vs 2023
2025: €95k▼ -17.6% vs 2024
2019 → 2025
Total assets
€461k▼ 13.6%
2024 · €534k
2019: €60klowest in 7 years
2020: €72k▲ +19.3% vs 2019
2021: €90k▲ +24.6% vs 2020
2022: €118k▲ +31.2% vs 2021
2023: €145k▲ +23.0% vs 2022
2024: €534k▲ +269% vs 2023highest in 7 years
2025: €461k▼ -13.6% vs 2024
2019 → 2025
Net result
€-20k▼ 681%
2024 · €-3k
2019: €26k
2020: €24k▼ -9.0% vs 2019
2021: €14k▼ -41.4% vs 2020
2022: €15k▲ +9.2% vs 2021
2023: €32k▲ +111% vs 2022highest in 7 years
2024: €-3k▼ -108% vs 2023
2025: €-20k▼ -681% vs 2024lowest in 7 years
2019 → 2025
Working capital
€3k
2024 · €-11k
2019: €9k
2020: €13k▲ +45.0% vs 2019
2021: €19k▲ +53.9% vs 2020
2022: €41k▲ +113% vs 2021
2023: €62k▲ +50.6% vs 2022highest in 7 years
2024: €-11k▼ -118% vs 2023lowest in 7 years
2025: €3k▲ +128% vs 2024
2019 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€70k-€86k▲ 21.7%€118k▲ 37.7%€115k▼ 2.2%€95k▼ 17.6%
2021: €70klowest in 5 years
2022: €86k▲ +21.7% vs 2021
2023: €118k▲ +37.7% vs 2022highest in 5 years
2024: €115k▼ -2.2% vs 2023
2025: €95k▼ -17.6% vs 2024
Operating result€18k-€24k▲ 28.0%€45k▲ 90.2%€2k▼ 96.5%€-8k
2021: €18k
2022: €24k▲ +28.0% vs 2021
2023: €45k▲ +90.2% vs 2022highest in 5 years
2024: €2k▼ -96.5% vs 2023
2025: €-8k▼ -587% vs 2024lowest in 5 years
Net result€14k-€15k▲ 9.2%€32k▲ 111%€-3k€-20k▼ 681%
2021: €14k
2022: €15k▲ +9.2% vs 2021
2023: €32k▲ +111% vs 2022highest in 5 years
2024: €-3k▼ -108% vs 2023
2025: €-20k▼ -681% vs 2024lowest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €8k after €2k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €461k
Fixed assets
€410k ▼ 11.6%
Current assets
€51k ▼ 27.2%
Equity and liabilities €461k
Equity
€95k ▼ 17.6%
Debt
€366k ▼ 12.5%
Debt's share of the balance-sheet total rises from 78.4% to 79.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€68k▲
2024 · €36k
Cash flow
€56k▲
2024 · €32k
Current ratio
1.06▲
2024 · 0.86
Debt to equity
3.85▲
2024 · 3.63
ROE
-21.3%▼
2024 · -2.2%
ROA
-4.4%▼
2024 · -0.5%
Interest coverage
5.72▼
2024 · 12.98
Debt ≤ 1 year
€48k▼
2024 · €80k
Debt > 1 year
€319k▼
2024 · €338k
Income taxes
€678▼
2024 · €1k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€534k€461k▼
Fixed assets21/28€464k€410k▼
Tangible fixed assets22/27€464k€410k▼
Land and buildings22€431k€388k▼
Plant, machinery and equipment23€23k€14k▼
Furniture and vehicles24€2k€867▼
Other tangible fixed assets26€8k€8k=
Current assets29/58€69k€51k▼
Amounts receivable within one year40/41€42k€27k▼
Trade receivables40€39k€24k▼
Other amounts receivable41€3k€3k=
Cash at bank and in hand54/58€26k€22k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€534k€461k▼
Equity10/15€115k€95k▼
Contributions10/11€6k€6k=
Reserves13€109k€88k▼
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€107k€88k▼
Profit (loss) carried forward14€191€815▲
Amounts payable17/49€419k€366k▼
Amounts payable after more than one year17€338k€319k▼
Financial debts170/4€338k€319k▼
Amounts payable within one year42/48€80k€48k▼
Current portion of amounts payable after more than one year42€19k€20k▲
Trade debts44-€1k
Suppliers440/4-€1k
Taxes, remuneration and social security45€16k€13k▼
Taxes450/3€13k€10k▼
Remuneration and social security454/9€3k€3k=
Other amounts payable47/48€46k€13k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€76k▲
Other operating charges640/8€1k€3k▲
Gross operating margin9900€37k€71k▲
Operating profit (loss)9901€2k€-8k▼
Financial income75/76B€8€34▲
Recurring financial income75€8€34▲
Financial charges65/66B€3k€12k▲
Recurring financial charges65€3k€12k▲
Profit (loss) for the period before taxes9903€-1k€-20k▼
Income taxes67/77€1k€678▼
Profit (loss) for the period9904€-3k€-20k▼
Profit (loss) for the period to be appropriated9905€-3k€-20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€-20k▼
Profit (loss) brought forward from the previous period14P€281€191▼
Transfer from equity791/2€3k€21k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12k | €9k | €12k | €35k | €76k | ▲ 118% |
| Other operating charges640/8 | €952 | €512 | €1k | €1k | €3k | ▲ 178% |
| Gross operating margin9900 | €31k | €33k | €58k | €37k | €71k | ▲ 90.3% |
| Operating profit (loss)9901 | €18k | €24k | €45k | €2k | €-8k | ▼ 587% |
| Financial income75/76B | €79 | €26 | - | €8 | €34 | ▲ 321% |
| Recurring financial income75 | €79 | €26 | - | €8 | €34 | ▲ 321% |
| Financial charges65/66B | €679 | €534 | €851 | €3k | €12k | ▲ 326% |
| Recurring financial charges65 | €679 | €534 | €851 | €3k | €12k | ▲ 326% |
| Profit (loss) for the period before taxes9903 | €18k | €23k | €44k | €-1k | €-20k | ▼ 1,511% |
| Income taxes67/77 | €4k | €8k | €12k | €1k | €678 | ▼ 50.8% |
| Profit (loss) for the period9904 | €14k | €15k | €32k | €-3k | €-20k | ▼ 681% |
| Profit (loss) for the period to be appropriated9905 | €14k | €15k | €32k | €-3k | €-20k | ▼ 681% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €90k | €118k | €145k | €534k | €461k | ▼ 13.6% |
| Fixed assets21/28 | €51k | €44k | €55k | €464k | €410k | ▼ 11.6% |
| Tangible fixed assets22/27 | €51k | €44k | €55k | €464k | €410k | ▼ 11.6% |
| Land and buildings22 | - | - | - | €431k | €388k | ▼ 10.0% |
| Plant, machinery and equipment23 | €37k | €31k | €32k | €23k | €14k | ▼ 40.3% |
| Furniture and vehicles24 | €6k | €5k | €15k | €2k | €867 | ▼ 62.6% |
| Other tangible fixed assets26 | €8k | €8k | €8k | €8k | €8k | = |
| Current assets29/58 | €39k | €74k | €89k | €69k | €51k | ▼ 27.2% |
| Amounts receivable within one year40/41 | €793 | €23k | €51k | €42k | €27k | ▼ 35.2% |
| Trade receivables40 | - | €15k | €23k | €39k | €24k | ▼ 37.5% |
| Other amounts receivable41 | €793 | €8k | €28k | €3k | €3k | = |
| Cash at bank and in hand54/58 | €38k | €50k | €38k | €26k | €22k | ▼ 15.8% |
| Deferred charges and accrued income490/1 | - | €128 | €135 | €2k | €2k | ▼ 7.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €90k | €118k | €145k | €534k | €461k | ▼ 13.6% |
| Equity10/15 | €70k | €86k | €118k | €115k | €95k | ▼ 17.6% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Reserves13 | €64k | €79k | €111k | €109k | €88k | ▼ 19.2% |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | - | - |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €2k | - | - |
| Distributable reserves133 | €62k | €77k | €110k | €107k | €88k | ▼ 17.8% |
| Profit (loss) carried forward14 | €257 | €536 | €281 | €191 | €815 | ▲ 327% |
| Amounts payable17/49 | €19k | €32k | €27k | €419k | €366k | ▼ 12.5% |
| Amounts payable after more than one year17 | - | - | - | €338k | €319k | ▼ 5.8% |
| Financial debts170/4 | - | - | - | €338k | €319k | ▼ 5.8% |
| Amounts payable within one year42/48 | €19k | €32k | €27k | €80k | €48k | ▼ 41.0% |
| Current portion of amounts payable after more than one year42 | - | - | - | €19k | €20k | ▲ 3.4% |
| Trade debts44 | €2k | €2k | €6k | - | €1k | - |
| Suppliers440/4 | €2k | €2k | €6k | - | €1k | - |
| Taxes, remuneration and social security45 | €17k | €30k | €21k | €16k | €13k | ▼ 17.1% |
| Taxes450/3 | €14k | €27k | €18k | €13k | €10k | ▼ 21.3% |
| Remuneration and social security454/9 | €3k | €3k | €3k | €3k | €3k | = |
| Other amounts payable47/48 | - | - | - | €46k | €13k | ▼ 70.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €14k | €15k | €32k | €-3k | €-20k | ▼ 681% |
| + Depreciation and write-downs630 | €12k | €9k | €12k | €35k | €76k | ▲ 118% |
| Operating cash flow (approximation) | €26k | €25k | €44k | €32k | €56k | ▲ 73.0% |
| Investment in fixed assets (approximation) | - | €-2k | €-23k | €-444k | €-22k | ▲ 95.0% |
| Change in cash | - | €12k | €-12k | €-13k | €-4k | ▲ 68.3% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
23-09
State Gazette act
Incorporation · Founding capital
Bank account · Share class
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-20k
Net result drops to €-20k, the lowest in the series.
13-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 13 days late
2024
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2019net €32k ▲111%
Operating result €45k, net result €32k, both a record.
31-12
Financial
Equity above €100kEq €118k ▲37.7%
5 profitable years in a row build equity to €118k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Sint-Martens-Latem · 1 establishment unit since 2018
Ground area
2,145 m²
Building footprint
346 m²
Volume, LiDAR
1,868 m³
Parcel 44015A0036/00F002, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
FINTEK
since 20182.277.141.118
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44015A0036/00F002 | Flanders | 2,145 m² | 1 · 346 m² | 8.9 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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 3,152 companies in sector 63920 we hold annual accounts for 1,525. 1,255 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded21-06-2018
Fiscal year end31-12
Activities, NACEBEL 2025
63920Other information service activities
64210Activities of holding companies
68110Buying and selling of own real estate
Scores and ratios are computed by Checked and are not a credit decision.