FinTrack

Active

Private limited companyfounded 20242 yrs activeHogeweg 51, 3800 Sint-Truiden, BelgiumKBO/BCE: BE 1008.501.971

FinTrack has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €79k and a net result of €7k. Its solvency ranks better than 29% of 17046 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).

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Checked score

Score 2025

59 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability46▼-54

Solvency57▲+5

Growth52

Track record82

Bankruptcy probability, 12 months

0.5% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €4.5k at 30 days acceptable

Liquidity short (current ratio 0.51 against 1.07 in 2024; short-term debt: 38.8% and cash: 4.9% of total assets), and 68.2% of the assets are financed with debt.

How do we compute the score and the probability?

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

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

Sector 62

lower

← fewer bankruptcies more bankruptcies →

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

31.8%

Return on assets

2.9%

Age of the figures

9 mo

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 2 filings

Deviation from the deadline

2025

21 d late

2024

20 d late

← before the deadline after the deadline →

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 months

Position in the running window

23-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€79k▲ 10.0%

2024 · €72k

2024: €72k

2024 → 2025

Total assets

€249k▼ 6.1%

2024 · €265k

2024: €265k

2024 → 2025

Net result

€7k▼ 89.8%

2024 · €70k

2024: €70k

2024 → 2025

Working capital

€-48k

2024 · €7k

2024: €7k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€72k-€79k▲ 10.0%

Operating result€160k-€8k▼ 94.8%

Net result€70k-€7k▼ 89.8%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 95% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €249k

80.2%

19.8%

Fixed assets €200k▲ 21.0%

Current assets €49k▼ 50.8%

Equity and liabilities €249k

31.8%

68.2%

Equity €79k▲ 10.0%

Debt €170k▼ 12.1%

The debt ratio falls from 72.8% to 68.2%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€25k▼

2024 · €167k

Cash flow

€24k▼

2024 · €77k

Solvency

31.8%▲

2024 · 27.2%

Current ratio

0.51▼

2024 · 1.07

Quick ratio

0.51▼

2024 · 1.07

Debt / equity

2.14▼

2024 · 2.68

ROE

9.1%▼

2024 · 97.2%

ROA

2.9%▼

2024 · 26.4%

Interest coverage

2.80▼

2024 · 50.04

Debt

€170k▼

2024 · €193k

Debt ≤ 1 year

€97k▲

2024 · €94k

Debt > 1 year

€73k▼

2024 · €100k

Income taxes

€3k▼

2024 · €18k

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€265k€249k▼

Fixed assets21/28€165k€200k▲

Tangible fixed assets22/27€165k€150k▼

Land and buildings22€90k€90k=

Plant, machinery and equipment23-€1k

Furniture and vehicles24€75k€59k▼

Financial fixed assets28-€50k

Current assets29/58€100k€49k▼

Amounts receivable within one year40/41€68€11k▲

Trade receivables40-€11k

Other amounts receivable41€68€197▲

Current investments50/53€87k€26k▼

Cash at bank and in hand54/58€13k€12k▼

Equity and liabilities

Total equity and liabilities10/49€265k€249k▼

Equity10/15€72k€79k▲

Contributions10/11€2k€2k=

Reserves13€70k€77k▲

Distributable reserves133€70k€77k▲

Amounts payable17/49€193k€170k▼

Amounts payable after more than one year17€100k€73k▼

Financial debts170/4€100k€73k▼

Amounts payable within one year42/48€94k€97k▲

Current portion of amounts payable after more than one year42€26k€27k▲

Trade debts44€3k€1k▼

Suppliers440/4€3k€1k▼

Taxes, remuneration and social security45€33k€32k▼

Taxes450/3€33k€32k▼

Other amounts payable47/48€31k€37k▲

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€17k▲

Other operating charges640/8€2k€1k▼

Gross operating margin9900€169k€26k▼

Operating profit (loss)9901€160k€8k▼

Financial income75/76B€1€10k▲

Recurring financial income75€1€10k▲

Financial charges65/66B€72k€9k▼

Recurring financial charges65€3k€9k▲

Non-recurring financial charges66B€68k-

Profit (loss) for the period before taxes9903€88k€10k▼

Income taxes67/77€18k€3k▼

Profit (loss) for the period9904€70k€7k▼

Profit (loss) for the period to be appropriated9905€70k€7k▼

Appropriation of the result

Profit (loss) to be appropriated9906€70k€7k▼

Transfer to equity691/2€70k€7k▼

To other reserves6921€70k€7k▼

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 2Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

21-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 21 days late

2025

20-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 20 days late

NBB filing

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, Sint-Truiden · 1 establishment unit since 2024

establishment The establishment unit on the map

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.

Hogeweg 513800 Sint-Truiden

Ground area

995 m²

Building footprint

148 m²

Volume, LiDAR

387 m³

Parcel 71048B0120/00V002, Flanders · tallest building 6.1 m, ±1 floor. Linked by address, not a title deed.

1 establishment unit

FinTrack

Hogeweg 51, 3800 Sint-TruidenOther software publishing

since 20242.358.768.992

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
71048B0120/00V002	Flanders	995 m²	1 · 148 m²	6.1 m · 1 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

Watermaal-Bosvoorde · Eq €79k

Of 16,887 companies in sector 62100 we hold annual accounts for 8,777. 6,947 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded17-04-2024

Fiscal year end31-12

Activities, NACEBEL

62010Computer programming, consultancy and related activities

62100Computer programming

58290Other software publishing

62020IT consultancy

62200Computer consultancy and computer facilities management

63100Computing infrastructure, data processing, hosting and related activities

63110Computing infrastructure, data processing, hosting and other information service activities

82990Other business support services

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.