Fintonomy
ActiveSummary
Fintonomy has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €598k and a net result of €123k. Equity is growing by ~23.5% per year across the filed fiscal years. Its solvency ranks better than 89% of 17090 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability92▲+5
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity ample (current ratio 10.8 against 9.97 in 2024; short-term debt: 9.2% and cash: 35.5% of total assets), and 9.2% of the assets are financed with debt.
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Signals
Three 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 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
90.8%
Return on assets
18.6%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
1 d early
2024
6 d early
2023
1 d early
2022
on the day
2021
6 d early
2020
5 d early
2019
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close25-09-2026 today31-10-2026 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Accepting this client? The AML file with identity, beneficial owners and sanctions lists.AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Roughly what is this company worth?Value indication
Financials · fiscal year 2025, micro schema
Equity
€598k▲ 25.4%
2024 · €477k
Total assets
€659k▲ 24.4%
2024 · €530k
Net result
€123k▲ 58.2%
2024 · €78k
Working capital
€592k▲ 25.7%
2024 · €471k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€114k▲ 50.2%€118k▲ 3.3%€96k▼ 18.7%€100k▲ 3.9%€124k▲ 24.4%
Net result€90k▲ 43.9%€92k▲ 2.2%€73k▼ 20.6%€78k▲ 6.3%€123k▲ 58.2%
Equity€247k▲ 35.6%€324k▲ 31.1%€401k▲ 23.7%€477k▲ 19.0%€598k▲ 25.4%
Total assets€324k▲ 34.9%€385k▲ 18.8%€442k▲ 14.7%€530k▲ 19.9%€659k▲ 24.4%
Debt€77k▲ 32.5%€61k▼ 20.8%€41k▼ 33.1%€53k▲ 28.5%€60k▲ 15.2%
Working capital€241k▲ 39.7%€320k▲ 32.6%€398k▲ 24.4%€471k▲ 18.3%€592k▲ 25.7%
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 24% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €659k
Fixed assets
€7k ▲ 1.4%
Current assets
€652k ▲ 24.7%
Equity and liabilities €659k
Equity
€598k ▲ 25.4%
Debt
€60k ▲ 15.2%
Debt's share of the balance-sheet total falls from 9.9% to 9.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€127k▲
2024 · €102k
Cash flow
€125k▲
2024 · €80k
Current ratio
10.80▲
2024 · 9.97
Debt to equity
0.10▼
2024 · 0.11
ROE
20.5%▲
2024 · 16.2%
ROA
18.6%▲
2024 · 14.6%
Interest coverage
42.38▼
2024 · 58.28
Debt ≤ 1 year
€60k▲
2024 · €52k
Income taxes
€41k▲
2024 · €30k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6k | €6k | €2k | €2k | €3k | ▲ 5.2% |
| Other operating charges640/8 | - | €1k | €1k | €2k | €2k | ▼ 10.1% |
| Non-recurring operating charges66A | - | - | - | - | €606 | - |
| Gross operating margin9900 | €121k | €126k | €100k | €104k | €129k | ▲ 24.0% |
| Operating profit (loss)9901 | €114k | €118k | €96k | €100k | €124k | ▲ 24.4% |
| Financial income75/76B | - | €5k | €6k | €10k | €43k | ▲ 343% |
| Recurring financial income75 | €2k | €5k | €6k | €10k | €43k | ▲ 343% |
| Financial charges65/66B | - | €929 | €1k | €2k | €3k | ▲ 70.4% |
| Recurring financial charges65 | €702 | €929 | €1k | €2k | €3k | ▲ 70.4% |
| Profit (loss) for the period before taxes9903 | €115k | €122k | €101k | €108k | €164k | ▲ 52.2% |
| Income taxes67/77 | €25k | €30k | €28k | €30k | €41k | ▲ 36.7% |
| Profit (loss) for the period9904 | €90k | €92k | €73k | €78k | €123k | ▲ 58.2% |
| Profit (loss) for the period to be appropriated9905 | €90k | €92k | €73k | €78k | €123k | ▲ 58.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €324k | €385k | €442k | €530k | €659k | ▲ 24.4% |
| Fixed assets21/28 | €7k | €4k | €3k | €7k | €7k | ▲ 1.4% |
| Tangible fixed assets22/27 | €7k | €4k | €3k | €7k | €7k | ▲ 1.4% |
| Furniture and vehicles24 | - | €4k | €3k | €7k | €7k | ▲ 1.4% |
| Current assets29/58 | €317k | €381k | €439k | €523k | €652k | ▲ 24.7% |
| Amounts receivable after more than one year29 | - | €127k | €123k | €120k | €16k | ▼ 86.5% |
| Other amounts receivable291 | - | €127k | €123k | €120k | €16k | ▼ 86.5% |
| Amounts receivable within one year40/41 | €20k | €24k | €16k | €31k | €21k | ▼ 31.9% |
| Trade receivables40 | - | €21k | €12k | €27k | €17k | ▼ 36.8% |
| Other amounts receivable41 | - | €4k | €4k | €4k | €4k | ▲ 4.7% |
| Current investments50/53 | €127k | €150k | €243k | €335k | €380k | ▲ 13.4% |
| Cash at bank and in hand54/58 | €138k | €77k | €55k | €36k | €234k | ▲ 558% |
| Deferred charges and accrued income490/1 | - | €3k | €2k | €2k | €1k | ▼ 35.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €324k | €385k | €442k | €530k | €659k | ▲ 24.4% |
| Equity10/15 | €247k | €324k | €401k | €477k | €598k | ▲ 25.4% |
| Contributions10/11 | - | €15k | €20k | €20k | €20k | = |
| Reserves13 | €233k | €310k | €381k | €457k | €578k | ▲ 26.5% |
| Non-distributable reserves130/1 | - | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | - | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | - | €308k | €379k | €455k | €576k | ▲ 26.6% |
| Amounts payable17/49 | €77k | €61k | €41k | €53k | €60k | ▲ 15.2% |
| Amounts payable within one year42/48 | €76k | €61k | €41k | €52k | €60k | ▲ 15.1% |
| Trade debts44 | €2k | €2k | €3k | €3k | €2k | ▼ 21.3% |
| Suppliers440/4 | - | €2k | €3k | €3k | €2k | ▼ 21.3% |
| Taxes, remuneration and social security45 | - | €22k | €10k | €18k | €20k | ▲ 14.4% |
| Taxes450/3 | - | €22k | €10k | €18k | €20k | ▲ 14.4% |
| Other amounts payable47/48 | - | €37k | €28k | €32k | €38k | ▲ 18.5% |
| Accrued charges and deferred income492/3 | - | €41 | €45 | €48 | €91 | ▲ 92.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €90k | €92k | €73k | €78k | €123k | ▲ 58.2% |
| + Depreciation and write-downs630 | €6k | €6k | €2k | €2k | €3k | ▲ 5.2% |
| Operating cash flow (approximation) | €96k | €98k | €75k | €80k | €125k | ▲ 56.6% |
| Investment in fixed assets (approximation) | - | €-3k | €-1k | €-6k | €-3k | ▲ 55.3% |
| Change in cash | - | €-61k | €-22k | €-19k | €198k | ▲ 1,133% |
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
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Equity above €500kEq €598k ▲25.4%
7 profitable years in a row build equity to €598k.
2024
25-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
25-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Equity above €200kEq €247k ▲35.6%
3 profitable years in a row build equity to €247k.
2020
26-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial
Weakest financial yearnet €63k ▼52%
Net result drops to €63k, the lowest in the series; recovery starts the following year.
31-03
Financial
Equity above €150kEq €182k ▲25.9%
2 profitable years in a row build equity to €182k.
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Ronse · 1 establishment unit since 2017
Ground area
2,080 m²
Building footprint
172 m²
Volume, LiDAR
884 m³
Parcel 45041B1794/00N010, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Fintonomy
since 20172.264.230.715
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45041B1794/00N010 | Flanders | 2,080 m² | 1 · 171 m² | 7.9 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.
Recognitions · licences · registrations
Legal Entity Identifier
98450001AFIF90793982
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Of 16,901 companies in sector 62100 we hold annual accounts for 8,775. 5,167 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 (pre-2019)
Founded15-05-2017
Fiscal year end31-03
Activities, NACEBEL 2025
62100Computer programming
62200Computer consultancy and computer facilities management
82990Other business support services
Scores and ratios are computed by Checked and are not a credit decision.