Summary
Fintiq is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €91,730 and a net result of €13,015. Its solvency ranks better than 85% of 8094 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
Two signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2024 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
242425
2024 to 2025 · latest year €91,730
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 30-07-2026, 1 day ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
1 d early
2024
37 d late
2024
2 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 11 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
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
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€91,730▲ 8.0%
2024 · €84,965
Net result
€13,015▲ 12.5%
2024 · €11,565
Total assets
€105,453▼ 10.9%
2024 · €118,412
Solvency
87.0%▲ 15.2pp
2024 · 71.8%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202420242025
Operating result€89,805-€14,954-€17,625▲ 17.9%
Net result€71,496within the sector's middle half-€11,565within the sector's middle half-€13,015within the sector's middle half▲ 12.5%
Equity€73,496within the sector's middle half-€84,965within the sector's middle half-€91,730within the sector's middle half▲ 8.0%
Total assets€102,015below the sector's middle half-€118,412below the sector's middle half-€105,453below the sector's middle half▼ 10.9%
Debt€10,285-€6,671-€13,723▲ 106%
Working capital€84,830within the sector's middle half-€95,573within the sector's middle half-€78,076within the sector's middle half▼ 18.3%
Solvency72.0%within the sector's middle half-71.8%within the sector's middle half-87.0%above the sector's middle half▲ 15.2pp
Current ratio9.25above the sector's middle half-15.33above the sector's middle half-6.69above the sector's middle half▼ 8.64
Return on assets (ROA)70.1%above the sector's middle half-9.8%within the sector's middle half-12.3%within the sector's middle half▲ 2.6pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
Multiple fiscal year ends fall in the same calendar year; an annual trend is not displayed.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €105,453
Fixed assets
€13,654 ▼ 15.5%
Current assets
€91,799 ▼ 10.2%
Equity and liabilities €105,453
Equity
€91,730 ▲ 8.0%
Provisions
€0 ▼ 100%
Debt
€13,723 ▲ 106%
Debt's share of the balance-sheet total rises from 5.6% to 13.0%. Equity and debt are higher.
Key figures and ratios
ROE
14.2%▲
2024 · 13.6%
Debt ≤ 1 year
€13,723▲
2024 · €6,671
Income taxes
€4,463▲
2024 · €3,300
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2024 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,338 | €3,319 | €5,414 | ▲ 63.1% |
| Gross operating margin9900 | €92,143 | €18,273 | €23,039 | ▲ 26.1% |
| Operating profit (loss)9901 | €89,805 | €14,954 | €17,625 | ▲ 17.9% |
| Financial charges65/66B | €75 | €89 | €147 | ▲ 65.2% |
| Recurring financial charges65 | €75 | €89 | €147 | ▲ 65.2% |
| Profit (loss) for the period before taxes9903 | €89,730 | €14,865 | €17,478 | ▲ 17.6% |
| Income taxes67/77 | €18,234 | €3,300 | €4,463 | ▲ 35.2% |
| Profit (loss) for the period9904 | €71,496 | €11,565 | €13,015 | ▲ 12.5% |
| Profit (loss) for the period to be appropriated9905 | €71,496 | €11,565 | €13,015 | ▲ 12.5% |
| Line | 2024 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €102,015 | €118,412 | €105,453 | ▼ 10.9% |
| Fixed assets21/28 | €6,900 | €16,168 | €13,654 | ▼ 15.5% |
| Tangible fixed assets22/27 | €6,900 | €16,168 | €13,654 | ▼ 15.5% |
| Furniture and vehicles24 | €6,900 | €9,918 | €7,404 | ▼ 25.3% |
| Other tangible fixed assets26 | - | €6,250 | €6,250 | = |
| Current assets29/58 | €95,115 | €102,244 | €91,799 | ▼ 10.2% |
| Amounts receivable within one year40/41 | €2,773 | €19,379 | €30,646 | ▲ 58.1% |
| Trade receivables40 | - | €14,399 | €17,346 | ▲ 20.5% |
| Other amounts receivable41 | €2,773 | €4,980 | €13,300 | ▲ 167% |
| Current investments50/53 | €5,000 | €5,000 | €5,000 | = |
| Cash at bank and in hand54/58 | €87,342 | €77,865 | €56,153 | ▼ 27.9% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €102,015 | €118,412 | €105,453 | ▼ 10.9% |
| Equity10/15 | €73,496 | €84,965 | €91,730 | ▲ 8.0% |
| Contributions10/11 | €2,000 | €2,000 | €2,000 | = |
| Reserves13 | €71,496 | €82,965 | €89,730 | ▲ 8.2% |
| Distributable reserves133 | €71,496 | €82,965 | €89,730 | ▲ 8.2% |
| Provisions and deferred taxes16 | €18,234 | €26,776 | - | - |
| Provisions for liabilities and charges160/5 | €18,234 | €26,776 | - | - |
| Taxes161 | €18,234 | €26,776 | - | - |
| Amounts payable17/49 | €10,285 | €6,671 | €13,723 | ▲ 106% |
| Amounts payable within one year42/48 | €10,285 | €6,671 | €13,723 | ▲ 106% |
| Trade debts44 | €602 | €571 | €1,147 | ▲ 101% |
| Suppliers440/4 | €602 | €571 | €1,147 | ▲ 101% |
| Taxes, remuneration and social security45 | - | €6,100 | €12,576 | ▲ 106% |
| Taxes450/3 | - | €4,367 | €10,742 | ▲ 146% |
| Remuneration and social security454/9 | - | €1,733 | €1,834 | ▲ 5.8% |
| Other amounts payable47/48 | €9,683 | - | - | - |
| Line | 2024 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €71,496 | €11,565 | €13,015 | ▲ 12.5% |
| + Depreciation and write-downs630 | €2,338 | €3,319 | €5,414 | ▲ 63.1% |
| Operating cash flow (approximation) | €73,834 | €14,884 | €18,429 | ▲ 23.8% |
| Investment in fixed assets (approximation) | - | - | -€2,900 | - |
| Change in cash | - | - | -€21,712 | - |
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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
06-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 37 days late
2024
31-12
Financial
Weakest financial yearnet €11,565 ▼83.8%
Net result drops to €11,565, the lowest in the series; recovery starts the following year.
29-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Zoersel · 1 establishment unit since 2023
Ground area
1,703 m²
Building footprint
99 m²
Volume, LiDAR
763 m³
Parcel 11017B0017/00C002, Flanders · tallest building 9.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Necktar
since 20232.344.982.324
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11017B0017/00C002 | Flanders | 1,703 m² | 1 · 99 m² | 9.9 m · 3 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 1,169 EUR awarded · 1,169 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,169 EUR | 1,169 EUR |
Recognitions · licences · registrations
Legal Entity Identifier
699400QQHHQY95TMXL30
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Of 806 companies in sector 64999 we hold annual accounts for 487. 320 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
Founded03-05-2023
Fiscal year end31-12
Activities, NACEBEL 2025
64999Other financial services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0801393511
Registered
24-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.