Finterest
ActiveFinterest has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €36k and a net result of €32k. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 44% of 31523 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
81
/ 100
Excellent▲ +6 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency80▲+29
Growth52=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.34 against 1.04 in 2024), and 50.7% 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
49.3%
Return on assets
44.5%
Age of the figures
8 mo
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 16-01-2026, 196 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
196 d early
2024
201 d early
2023
189 d early
2022
187 d early
2021
85 d early
2020
109 d early
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€36k▲ 6.5%
2024 · €34k
2020: €28k
2021: €53k
2022: €91k
2023: €34k
2024: €34k
2020 → 2025
Total assets
€72k▼ 31.3%
2024 · €105k
2020: €68k
2021: €61k
2022: €102k
2023: €99k
2024: €105k
2020 → 2025
Net result
€32k▼ 6.1%
2024 · €34k
2020: €48k
2021: €25k
2022: €38k
2023: €53k
2024: €34k
2020 → 2025
Working capital
€10k▲ 367%
2024 · €2k
2020: €27k
2021: €40k
2022: €77k
2023: €17k
2024: €2k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€53k-€91k▲ 71.6%€34k▼ 62.5%€34k▼ 2.1%€36k▲ 6.5%
Operating result€34k-€48k▲ 42.9%€66k▲ 36.5%€42k▼ 37.1%€41k▼ 1.8%
Net result€25k-€38k▲ 49.8%€53k▲ 39.5%€34k▼ 35.4%€32k▼ 6.1%
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 2% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €72k
Fixed assets
€33k▼ 31.0%
Current assets
€40k▼ 31.6%
Equity and liabilities €72k
Equity
€36k▲ 6.5%
Debt
€37k▼ 49.0%
The debt ratio falls from 68.2% to 50.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€56k▲
2024 · €47k
Cash flow
€47k▲
2024 · €40k
Solvency
49.3%▲
2024 · 31.8%
Current ratio
1.34▲
2024 · 1.04
Quick ratio
1.34▲
2024 · 1.04
Debt / equity
1.03▼
2024 · 2.14
ROE
90.2%▼
2024 · 102.3%
ROA
44.5%▲
2024 · 32.5%
Interest coverage
60.06▼
2024 · 71.90
Debt
€37k▼
2024 · €72k
Debt ≤ 1 year
€30k▼
2024 · €56k
Debt > 1 year
€7k▼
2024 · €16k
Income taxes
€8k▼
2024 · €10k
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€105k€72k▼
Fixed assets21/28€48k€33k▼
Tangible fixed assets22/27€48k€33k▼
Furniture and vehicles24€35k€22k▼
Other tangible fixed assets26€13k€11k▼
Current assets29/58€58k€40k▼
Amounts receivable within one year40/41€22k€18k▼
Trade receivables40€22k€18k▼
Other amounts receivable41€189€538▲
Cash at bank and in hand54/58€33k€18k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€105k€72k▼
Equity10/15€34k€36k▲
Contributions10/11€100€100=
Reserves13€33k€36k▲
Distributable reserves133€33k€36k▲
Amounts payable17/49€72k€37k▼
Amounts payable after more than one year17€16k€7k▼
Financial debts170/4€16k€7k▼
Amounts payable within one year42/48€56k€30k▼
Current portion of amounts payable after more than one year42€9k€9k▲
Trade debts44€130€2k▲
Suppliers440/4€130€2k▲
Taxes, remuneration and social security45€12k€9k▼
Taxes450/3€12k€9k▼
Other amounts payable47/48€35k€9k▼
Accrued charges and deferred income492/3-€22
Income statement
Code20242025
Non-recurring operating income76A€3k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€15k▲
Other operating charges640/8€954€719▼
Gross operating margin9900€48k€56k▲
Operating profit (loss)9901€42k€41k▼
Financial income75/76B€3k€124▼
Recurring financial income75€3k€124▼
Financial charges65/66B€657€926▲
Recurring financial charges65€657€926▲
Profit (loss) for the period before taxes9903€44k€40k▼
Income taxes67/77€10k€8k▼
Profit (loss) for the period9904€34k€32k▼
Profit (loss) for the period to be appropriated9905€34k€32k▼
Appropriation of the result
Profit (loss) to be appropriated9906€34k€32k▼
Transfer from equity791/2€713-
Transfer to equity691/2-€2k
To other reserves6921-€2k
Profit to be distributed694/7€35k€30k▼
Return on contributions (dividend)694€35k€30k▼
The notes to these accounts (5 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
16-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
11-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2020net €53k ▲39.5%
Operating result €66k, net result €53k, both a record.
25-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €25k ▼46.7%
Net result drops to €25k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity quadruplescurrent ratio 6.10
Current ratio from 1.67 to 6.10; short-term debt falls from €40k to €8k.
13-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Diksmuide · 1 establishment unit since 2019
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.
Roggestraat(D) 78600 DiksmuideGround area
266 m²
Building footprint
91 m²
Volume, LiDAR
524 m³
Parcel 32003D0037/00A002, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Finterest
since 20192.292.696.552
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 32003D0037/00A002 | Flanders | 266 m² | 1 · 91 m² | 8.0 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.
Similar companies · same sector, comparable size
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ASPARAGUS
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eagleye
BE 0660.689.071
Meise · Eq €36k
PRODAJA
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Lier · Eq €36k
Of 82,218 companies in sector 70200 we hold annual accounts for 52,396. 35,716 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-08-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:bart@finterest.be