FINTRAC · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

FINTRAC is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2026 annual accounts show equity of €512k and a net result of €1k. Equity remains stable across the filed fiscal years (±0.3% per year). The company has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 8 annual accounts.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 19-05-2026 was due by 19-12-2026 and was filed on 15-06-2026, 187 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

How we compute the deadline

This company changed its financial year: its two most recent filings do not close on the same date. Each filed year keeps its own exact deadline, but we project no following year on 19-05, because adding twelve months right after a change is unreliable. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 19-05-2026, that is 19-12-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
19-05-2026	19-12-2026	15-06-2026	187 d early	2026-00166196
30-06-2025	31-01-2026	30-01-2026	1 d early	2026-00020212
30-06-2024	31-01-2025	20-12-2024	42 d early	2024-00621419
30-06-2023	31-01-2024	21-12-2023	41 d early	2023-00533558
30-06-2022	31-01-2023	30-01-2023	1 d early	2023-00011097
30-06-2021	31-01-2022	31-01-2022	on the day	2022-04200366
30-06-2020	31-01-2021	28-01-2021	3 d early	2021-02100114
30-06-2019	31-01-2020	30-01-2020	1 d early	2020-02800218
30-06-2018	31-01-2019	01-02-2019	1 d late	2019-03200429
30-06-2017	31-01-2018	26-01-2018	5 d early	2018-02300076

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Long-established

Founded in 2001, 25 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Financials

Equity€512k+0.3%

Net result€1k

Total assets€514k-1.6%

Solvency99.6%+1.8pp

CSV export

Annual accounts & ratios

Source: NBB · 2026

Annual accounts filed on 15-06-2026 with the NBB · fiscal year 2026 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

stable Equity: stable across 8 fiscal years (±0.3%/year).

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Net profit

€1k

- 19-26

Total assets

€514k

-1.6% 19-26

Equity

€512k

+0.3% 19-26

Income taxes

€569

-20.6% 19-26

Dividends

€0

-100.0% 19-26

Debt

€2k

-83.0% 19-26

Debt ≤ 1y

€2k

-83.0% 19-26

Solvency

99.6%

+1.9% 19-26

Show 2 other metrics

ROE

0.3%

- 19-26

ROA

0.3%

- 19-26

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2026
Deposit	micro
Revenue	n/a
EBITDA	n/a
Net profit	€1k
Cash flow	n/a
Staff costs	-
Income taxes	€569
Dividends	-
Total assets	€514k
Equity	€512k
Debt	€2k
of which ≤ 1y	€2k
of which > 1y	-
Working capital	n/a
Employees (FTE)	-

Ratios (computed)

	2026
Current ratio	n/a
Quick ratio	n/a
Working capital ratio	n/a
Solvency	99.6%
Debt / equity	n/a
Long-term debt ratio	n/a
Interest coverage	n/a
Gross margin	n/a
Net margin	n/a
ROA	0.3%
ROE	0.3%
EBITDA margin	n/a
Days sales outstanding	n/a
Days payable outstanding	n/a
Inventory turnover	n/a
Days inventory (DSI)	n/a

Balance-sheet composition 2026

Equity & liabilities

Equity €512k · 99.6% Debt €2k · 0.4%

Full annual accounts (21 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2026
Balance sheet, Assets
TOTAL ASSETS	20/58	€514k
Fixed assets	21/28	€0
Tangible fixed assets	22/27	€0
Current assets	29/58	€514k
Amounts receivable within one year	40/41	€2k
Cash & bank	54/58	€512k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€514k
Equity	10/15	€512k
Contributions / capital	10/11	€12k
Reserves	13	€500k
Amounts payable	17/49	€2k
Amounts payable within one year	42/48	€2k
Trade debts payable within one year	44	€0
Income statement
Gross operating margin	9900	€2k
Operating result	9901	€-282
Financial income	75	€2k
Financial charges	65	€125
Result before taxes	9903	€2k
Income taxes	67/77	€569
Net result for the period	9904	€1k
Result to be appropriated	9905	€1k

This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2026 · computed

Model not applicable to financial institutions

The health 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.

Directors

Directors & mandates

2 directors

3 of this company's 3 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing below: a director who resigned there may therefore still show here as sitting. See the acts under Publications.

Current directors & mandates

Anouk CLAES
Director
State Gazette act 23484530 (28-12-2023)

Current
28-12-2023 → present

Permanent representatives (1)

These people represent a legal-person director (a management company, for instance). They hold no board mandate of their own and do not count as directors.

Anouk Gusta Paula CLAES
Vertegenwoordiger
State Gazette act 23321425 (10-03-2023)

Permanent representative
10-03-2023 → present

Former directors (1)

Marc DE CEUSTER
Director
State Gazette act 23321425 (10-03-2023)

Former
10-03-2023 → 28-12-2023
3 events
- 28-12-2023 Resigned· Director
- 10-03-2023 Resigned· Director
- 10-03-2023 Appointed· Director

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary	Activiteiten van holdings(64210)
Legal form	Private limited company(610)
Incorporation	09-02-2001
Status	Active
Postal code	2950

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

Parcels1

Ground area1,021 m²

Buildings1

Building footprint183 m²

Volume (LiDAR)920 m³

Tallest building8.8 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11362M0105/00F000	Flanders	1,021 m²	1 · 183 m²	8.8 m · 2 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

2 acts

All acts · 2 updated 2 years ago

2023

28-12-2023 1 director appointed, 1 resigning Director changes

Anouk CLAES, Bestuurder
Marc DE CEUSTER, Bestuurder

Summary: v3.2

Original publication ↗

10-03-2023 Articles of association amended Statutes amendment

Summary: v3.2

Original publication ↗

Analysis

Financial profile

4 of 5 axes measured

63 / 100

Strong profile, led by solvency.

Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.

Health -

Profitability 1

Solvency 100

Growth 52

Stability 100

Credit advice

verdict per customer and amount

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We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 5,578 of the 24,684 companies in this sector.

See full sector →

Company registry

Company registry (CBE)

Crossroads Bank

Activities

Holdings64200Activiteiten van holdings64210Managementactiviteiten van holdings74151Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Overige adviesbureaus op het gebied van bedrijfsvoering en beheer74142

Primary activity highlighted.

Names & trade names

Legal nameNL

FINTRAC

Registered office

Valkenlaan 34

2950 Kapellen, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.