Summary
FINVISION 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 €4.3m and a net result of €4.2m. Equity is growing by ~5.3% per year across the filed fiscal years. Its solvency ranks better than 16% of 5651 sector peers (fiscal year 2025). The company has been active since 2016 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
1 signal. The signal on the left, the evidence on the right.
○neutral
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
on the day
2023
1 d early
2022
on the day
2021
29 d late
2020
31 d late
2019
101 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 23 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. Usually files around 31 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#3 company by total assets in Asse, Finance and insurance sector
Equity
€4.3m▲ 17,107%
2024 · €24,821
Net result
€4.2m▼ 26.4%
2024 · €5.8m
Total assets
€30.0m▲ 12.4%
2024 · €26.7m
Solvency
14.2%▲ 14.1pp
2024 · 0.1%
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: 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. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€8,046€176,539▲ 2,094%€5.2m▲ 2,856%€6.1m▲ 16.9%€5.4m▼ 11.4%
Net result€5,889within the sector's middle half€34,267within the sector's middle half▲ 482%€4.8mabove the sector's middle half▲ 13,854%€5.8mabove the sector's middle half▲ 20.6%€4.2mabove the sector's middle half▼ 26.4%
Equity€24,821below the sector's middle half▲ 31.1%€24,821below the sector's middle half=€24,821below the sector's middle half=€24,821below the sector's middle half=€4.3mabove the sector's middle half▲ 17,107%
Total assets€316,230below the sector's middle half▲ 15.8%€20.4mabove the sector's middle half▲ 6,362%€28.0mabove the sector's middle half▲ 37.0%€26.7mabove the sector's middle half▼ 4.6%€30.0mabove the sector's middle half▲ 12.4%
Debt€291,409▲ 14.6%€20.4m▲ 6,904%€28.0m▲ 37.0%€26.7m▼ 4.6%€25.8m▼ 3.5%
Working capital-€24,207within the sector's middle half▲ 26.4%-€1.4mbelow the sector's middle half▼ 5,718%-€4.4mbelow the sector's middle half▼ 209%-€4.4mbelow the sector's middle half▼ 1.3%-€6.2mbelow the sector's middle half▼ 41.2%
Solvency7.8%below the sector's middle half▲ 0.9pp0.1%below the sector's middle half▼ 7.7pp0.1%below the sector's middle half=0.1%below the sector's middle half=14.2%below the sector's middle half▲ 14.1pp
Current ratio0.92within the sector's middle half▲ 0.060.24below the sector's middle half▼ 0.680.64within the sector's middle half▲ 0.400.59within the sector's middle half▼ 0.050.42within the sector's middle half▼ 0.17
Return on assets (ROA)1.9%within the sector's middle half▲ 2.5pp0.2%below the sector's middle half▼ 1.7pp17.1%above the sector's middle half▲ 16.9pp21.6%above the sector's middle half▲ 4.5pp14.1%above the sector's middle half▼ 7.5pp
Staff (FTE)0.1below the sector's middle half▼ 90.0%3above the sector's middle half▲ 2,900%4.2above the sector's middle half▲ 40.0%4.7above the sector's middle half▲ 11.9%6.2above the sector's middle half▲ 31.9%
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 abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 11% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €30.0m
Fixed assets
€25.5m ▲ 25.9%
Current assets
€4.5m ▼ 29.9%
Equity and liabilities €30.0m
Equity
€4.3m ▲ 17,107%
Debt
€25.8m ▼ 3.5%
Debt's share of the balance-sheet total falls from 99.9% to 85.8%. Equity is higher and debt is lower.
Key figures and ratios
ROE
99.4%
Debt ≤ 1 year
€10.7m▼
2024 · €10.9m
Debt > 1 year
€14.7m▼
2024 · €15.6m
Income taxes
€1.4m▲
2024 · €763
Staff costs
€648,653▲
2024 · €415,714
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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €13,162 | €195,346 | €292,308 | €415,714 | €648,653 | ▲ 56.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €29,140 | €47,927 | €103,641 | €167,307 | €227,738 | ▲ 36.1% |
| Other operating charges640/8 | €637 | €410 | €802 | €1,276 | €1,500 | ▲ 17.6% |
| Non-recurring operating charges66A | €2,853 | €0 | - | - | €1,480 | - |
| Gross operating margin9900 | €53,837 | €420,221 | €5.6m | €6.7m | €6.3m | ▼ 6.0% |
| Operating profit (loss)9901 | €8,046 | €176,539 | €5.2m | €6.1m | €5.4m | ▼ 11.4% |
| Financial income75/76B | €26 | €0 | €52,535 | €152,703 | €629,260 | ▲ 312% |
| Recurring financial income75 | €26 | €0 | €52,535 | €152,703 | €629,260 | ▲ 312% |
| Financial charges65/66B | €510 | €141,761 | €441,571 | €487,223 | €400,337 | ▼ 17.8% |
| Recurring financial charges65 | €510 | €141,761 | €441,571 | €487,223 | €400,337 | ▼ 17.8% |
| Profit (loss) for the period before taxes9903 | €7,562 | €34,778 | €4.8m | €5.8m | €5.6m | ▼ 2.3% |
| Income taxes67/77 | €1,673 | €510 | €48,566 | €763 | €1.4m | ▲ 181,964% |
| Profit (loss) for the period9904 | €5,889 | €34,267 | €4.8m | €5.8m | €4.2m | ▼ 26.4% |
| Profit (loss) for the period to be appropriated9905 | €5,889 | €34,267 | €4.8m | €5.8m | €4.2m | ▼ 26.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €316,230 | €20.4m | €28.0m | €26.7m | €30.0m | ▲ 12.4% |
| Fixed assets21/28 | €49,028 | €20.0m | €20.3m | €20.3m | €25.5m | ▲ 25.9% |
| Intangible fixed assets21 | €37,820 | €74,663 | €115,883 | €121,443 | €185,384 | ▲ 52.7% |
| Tangible fixed assets22/27 | €11,208 | €111,744 | €336,268 | €337,907 | €413,068 | ▲ 22.2% |
| Plant, machinery and equipment23 | - | - | €22,290 | €23,478 | €14,523 | ▼ 38.1% |
| Furniture and vehicles24 | €11,208 | €81,051 | €255,631 | €271,394 | €298,790 | ▲ 10.1% |
| Leasing and similar rights25 | - | €30,693 | €58,348 | €43,035 | €99,754 | ▲ 132% |
| Financial fixed assets28 | - | €19.8m | €19.8m | €19.8m | €24.9m | ▲ 25.8% |
| Current assets29/58 | €267,202 | €446,870 | €7.7m | €6.4m | €4.5m | ▼ 29.9% |
| Amounts receivable within one year40/41 | €195,260 | €240,235 | €2.4m | €1.2m | €899,729 | ▼ 22.3% |
| Trade receivables40 | €168,340 | €214,734 | €2.4m | €1.1m | €899,729 | ▼ 18.6% |
| Other amounts receivable41 | €26,920 | €25,500 | €771 | €52,611 | €0 | ▼ 100% |
| Current investments50/53 | - | - | €3.6m | €2.0m | €1.0m | ▼ 50.0% |
| Cash at bank and in hand54/58 | €23,199 | €101,771 | €1.6m | €2.9m | €2.4m | ▼ 18.5% |
| Deferred charges and accrued income490/1 | €48,744 | €104,865 | €198,082 | €399,718 | €262,024 | ▼ 34.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €316,230 | €20.4m | €28.0m | €26.7m | €30.0m | ▲ 12.4% |
| Equity10/15 | €24,821 | €24,821 | €24,821 | €24,821 | €4.3m | ▲ 17,107% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Capital10 | €18,600 | - | - | - | - | - |
| Issued capital100 | €18,600 | - | - | - | - | - |
| Profit (loss) carried forward14 | €6,221 | €6,221 | €6,221 | €6,221 | €4.3m | ▲ 68,258% |
| Amounts payable17/49 | €291,409 | €20.4m | €28.0m | €26.7m | €25.8m | ▼ 3.5% |
| Amounts payable after more than one year17 | €0 | €18.4m | €15.6m | €15.6m | €14.7m | ▼ 5.7% |
| Financial debts170/4 | €0 | €18.4m | €15.6m | €15.6m | €14.7m | ▼ 5.7% |
| Amounts payable within one year42/48 | €291,409 | €1.9m | €12.1m | €10.9m | €10.7m | ▼ 1.0% |
| Current portion of amounts payable after more than one year42 | €0 | €1.4m | €2.1m | €2.1m | €2.4m | ▲ 13.0% |
| Trade debts44 | €143,945 | €195,854 | €370,267 | €547,643 | €283,933 | ▼ 48.2% |
| Suppliers440/4 | €143,945 | €195,854 | €370,267 | €547,643 | €283,933 | ▼ 48.2% |
| Taxes, remuneration and social security45 | €1,929 | €69,614 | €130,372 | €75,988 | €1.5m | ▲ 1,906% |
| Taxes450/3 | €1,929 | €23,133 | €74,350 | €0 | €1.4m | - |
| Remuneration and social security454/9 | €0 | €46,482 | €56,022 | €75,988 | €115,605 | ▲ 52.1% |
| Other amounts payable47/48 | €145,535 | €180,470 | €9.5m | €8.1m | €6.5m | ▼ 19.4% |
| Accrued charges and deferred income492/3 | - | €133,833 | €264,659 | €230,401 | €308,066 | ▲ 33.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €5,889 | €34,267 | €4.8m | €5.8m | €4.2m | ▼ 26.4% |
| + Depreciation and write-downs630 | €29,140 | €47,927 | €103,641 | €167,307 | €227,738 | ▲ 36.1% |
| Operating cash flow (approximation) | €35,028 | €82,194 | €4.9m | €5.9m | €4.5m | ▼ 24.6% |
| Investment in fixed assets (approximation) | - | -€20.0m | -€369,385 | -€174,507 | -€5.5m | ▼ 3,038% |
| Change in cash | - | €78,572 | €1.5m | €1.3m | -€534,503 | ▼ 141% |
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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
01-06
State Gazette act
Resignation: Kantoor Duchateau BV (director)Permanent representatives: Geert Duchateau, Didier Engelen and Kathleen Delporte7 facts ▸
State Gazette act
Resignation: Kantoor Duchateau BV (director)
Permanent representatives: Geert Duchateau, Didier Engelen and Kathleen Delporte7 facts ▸
- General meeting, 28-04-2026
- Director resignation, Kantoor Duchateau BV (director)
- Permanent representative, Geert Duchateau (permanent representative)
- Director in office, Engelen Bedrijfsrevisor & Accountant CommV (director)
- Permanent representative, Didier Engelen (permanent representative)
- Director in office, Delporte CommV (director)
- Permanent representative, Kathleen Delporte (permanent representative)
2025
31-12
Financial
Equity above €2mEq €4.3m ▲17,107%
5 profitable years in a row build equity to €4.3m.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €5.8m ▲20.6%
Operating result €6.1m, net result €5.8m, both a record.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 29 days late
2021
31-12
Financial
Back to profitnet €5,889
Net result €5,889 after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet -€1,838
Net result drops to -€1,838, the lowest in the series; recovery starts the following year.
09-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 101 days late
Show earlier events
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 28 days late
2018
09-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 70 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 8 acts read
About the unread acts
Of the 8 Belgian State Gazette acts we know for this company, 1 has been read. The other 7 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
no sitting director, last change in 2026
We have established no sitting directors for this company in the Gazette acts read. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Asse · 5 establishment units since 2016
Ground area
1.7 ha
Building footprint
2,109 m²
Volume, LiDAR
11,453 m³
5 parcels, Flanders · tallest building 15.2 m, ±5 floors. Linked by address, not a title deed.
5 establishment units
Kuringersteenweg 172, 3500 Hasselt
since 20162.253.155.788
Vredestraat 55, 8790 Waregem
since 20222.331.781.614
Potvlietlaan 4, 2600 Antwerpen
since 20222.331.781.713
Zuiderlaan 14, 1731 Asse
since 20222.331.781.812
Brusselsesteenweg 6, 9050 Gent
since 20242.361.223.587
5 parcels
Flanders
5
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34452B1150/00A000 | Flanders | 1.1 ha | 1 · 490 m² | 2.9 m |
| 44032A0520/00A000 | Flanders | 3,071 m² | 1 · 522 m² | 8.1 m |
| 11302A0095/00Z006 | Flanders | 1,916 m² | 1 · 475 m² | 15.2 m · 5 fl. |
| 71326F0076/00G004 | Flanders | 1,017 m² | 1 · 347 m² | 13.0 m · 2 fl. |
| 23095C0073/00X040 | Flanders | 346 m² | 1 · 275 m² | 10.5 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
5 of 5 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
1 person since 2026, 0 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Kantoor Duchateau BV |
|
Structure & network
Heads the group
FINVISION
13 companies
Group, risk and exposure
Owners and holdings
2 owners · 6 holdings · 12 subsidiaries in the treeOwners 2
-
50%
-
25%
Holdings 6
-
100%
-
100%
-
100%
-
100%
-
100%
-
100%
All subsidiaries, including indirect ones 12
Companies in which this company or one of its subsidiaries holds more than half, or which it consolidates according to the LEI register.
CT & CO 100%1 subsidiary
- TOM BASTIAENS 100%
- Finticx 100%
FINVISION ACCOUNTANCY & TAX 100%1 subsidiary
FINVISION AUDIT 100%4 subsidiaries
- FINVISION CFO SERVICES 100%
- KANTOOR - BUREAU MIGNOLET 100%
According to the 2025 annual accounts of FINVISION and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Subsidies and aid
Flemish government
2022 to 2025 · 9 entries · 18,784 EUR awarded · 18,284 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | -396,417 EUR | 1,140 EUR |
| 2024 | 4 | 398,510 EUR | 10,398 EUR |
| 2023 | 2 | 10,859 EUR | 914 EUR |
| 2022 | 1 | 5,832 EUR | 5,832 EUR |
Recognitions · licences · registrations
Legal Entity Identifier
699400U6CK5HXZS5D274
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Of 24,721 companies in this sector we hold annual accounts for 19,804. 8,642 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded20-05-2016
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
69201Certified accountants and tax accountants
69203Activities of company auditors
82100Office administrative and support services
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0654862638
Also
9925:BE0654862638
Registered
09-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.