Checked.be
Active
BE 0896.255.452Private limited company
FINVISION
Acaciastraat 2 ·3290 Diest, Belgium· 18 yrs active
Conclusion
FINVISION has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €140k and a net result of €11k. Equity is growing by ~8.4% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.8% (low).
Based on the State Gazette, CBE and 5 annual accounts.
Key figures
| Equity | €140k |
| Net result | €11k |
| Active | 18 yrs |
| Locations | 1 |
Financial profile
75
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
86
Profitability
40
Solvency
98
Growth
52
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Established
Founded in 2008, 18 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.
Checked score
86
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€12k
estimate, not credit advice
Score history
86
2021
83
2022
86
2023
100
2024
86
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 2.94 (≥ 1.5)
+10
Quick ratio
Quick ratio 2.94 (≥ 1.0)
+5
Leverage
Debt/equity 0.67 (< 1.0)
+10
Profitability
ROE 8%
+3
Interest coverage
Interest coverage 7.4× (≥ 3×)
+8
Profit trend
Net profit down YoY
-3
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 07-08-2026 with the NBB · fiscal year 2025 · abbreviated schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~8.4%/year over 5 fiscal years, indicative, assuming unchanged policy.
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).
€27k
-37.1%
21-25
€11k
-45.5%
21-25
€17k
-34.1%
21-25
€233k
+2.0%
21-25
€140k
+8.6%
21-25
€75k
+4.2%
21-25
€6k
-52.4%
21-25
€18k
-
21-25
€93k
-6.6%
21-25
€38k
0.0%
21-25
€54k
-10.8%
21-25
2.94
+2.8%
21-25
2.94
+2.8%
21-25
60.0%
+6.5%
21-25
0.67
-14.0%
21-25
7.9%
-49.8%
21-25
4.8%
-46.5%
21-25
7.38
-30.6%
21-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Deposit | abbreviated schema | abbreviated schema | abbreviated schema | abbreviated schema | abbreviated schema |
| Revenue | - | - | - | - | - |
| EBITDA | €27k | €42k | €21k | €36k | €58k |
| Net profit | €11k | €20k | €7k | €17k | €34k |
| Cash flow | €17k | €26k | €12k | €24k | €41k |
| Staff costs | - | - | - | - | - |
| Income taxes | €6k | €12k | €6k | €10k | €18k |
| Dividends | - | - | - | €18k | - |
| Total assets | €233k | €228k | €210k | €224k | €228k |
| Equity | €140k | €129k | €108k | €102k | €102k |
| Debt | €93k | €99k | €102k | €122k | €127k |
| of which ≤ 1y | €38k | €38k | €35k | €50k | €47k |
| of which > 1y | €54k | €61k | €67k | €73k | €79k |
| Working capital | €75k | €72k | €52k | €45k | €45k |
| Employees (FTE) | - | - | - | - | - |
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Current ratio | 2.94 | 2.86 | 2.50 | 1.91 | 1.96 |
| Quick ratio | 2.94 | 2.86 | 2.50 | 1.91 | 1.96 |
| Working capital ratio | 32.1% | 31.4% | 24.7% | 20.2% | 19.8% |
| Solvency | 60.0% | 56.4% | 51.5% | 45.3% | 44.6% |
| Debt / equity | 0.67 | 0.77 | 0.94 | 1.21 | 1.24 |
| Long-term debt ratio | 0.39 | 0.47 | 0.62 | 0.72 | 0.78 |
| Interest coverage | 7.38 | 10.63 | 7.07 | 17.74 | 27.06 |
| Gross margin | - | - | - | - | - |
| Net margin | - | - | - | - | - |
| ROA | 4.8% | 8.9% | 3.2% | 7.8% | 15.1% |
| ROE | 7.9% | 15.8% | 6.2% | 17.1% | 33.8% |
| EBITDA margin | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - |
| Days inventory (DSI) | - | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €233k | €228k | €210k | €224k | €228k |
| Fixed assets | 21/28 | €119k | €118k | €123k | €129k | €136k |
| Tangible fixed assets | 22/27 | €49k | €47k | €53k | €58k | €65k |
| Financial fixed assets | 28 | €71k | €71k | €71k | €71k | €71k |
| Current assets | 29/58 | €113k | €110k | €87k | €95k | €92k |
| Amounts receivable within one year | 40/41 | €61k | €34k | €31k | €22k | €19k |
| Cash & bank | 54/58 | €52k | €76k | €55k | €73k | €72k |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €233k | €228k | €210k | €224k | €228k |
| Equity | 10/15 | €140k | €129k | €108k | €102k | €102k |
| Contributions / capital | 10/11 | €6k | €6k | €6k | €6k | €6k |
| Reserves | 13 | €133k | €123k | €103k | €96k | €97k |
| Accumulated profits (losses) | 14 | - | €-957 | €-957 | €-957 | €-957 |
| Amounts payable | 17/49 | €93k | €99k | €102k | €122k | €127k |
| Amounts payable after one year | 17 | €54k | €61k | €67k | €73k | €79k |
| Amounts payable within one year | 42/48 | €38k | €38k | €35k | €50k | €47k |
| Trade debts payable within one year | 44 | €2k | €2k | €432 | €1k | €1k |
| Income statement | ||||||
| Gross operating margin | 9900 | €28k | €44k | €23k | €38k | €60k |
| Operating result | 9901 | €20k | €37k | €15k | €29k | €51k |
| Financial income | 75 | - | - | - | €0 | €3k |
| Financial charges | 65 | €4k | €4k | €3k | €2k | €2k |
| Result before taxes | 9903 | €17k | €33k | €12k | €27k | €52k |
| Income taxes | 67/77 | €6k | €12k | €6k | €10k | €18k |
| Net result for the period | 9904 | €11k | €20k | €7k | €17k | €34k |
| Result to be appropriated | 9905 | €11k | €20k | €7k | €17k | €34k |
Legal Structure
| NACE primary | - |
| Legal form | Private limited company(610) |
| Incorporation | 06-03-2008 |
| Status | Active |
| Postal code | 3290 |
Establishment units
Finvision
since 20082.170.030.748
Real-estate footprint
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24020B0026/00M006 | Flanders | 866 m² | 1 · 122 m² | 8.7 m · 2 fl. |
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.
Updates
Next filing, fiscal year 2026, expected by
2026
07-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 7 days late
2025
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 28 days late
2023
31-12
Financial
Weakest financial yearnet €7k ▼61.4%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
18-12
State Gazette act
Capital & shares
Herbert HOUBEN
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 29 days late
2022
08-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 8 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 27 days late
2020
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 69 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 27 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 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.
Belgian State Gazette reading coverage
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Belgisch Staatsblad, acts
Capital history · 1
18-12-2023
Capital change
All acts · 1
updated 2 years ago
2023
18-12-2023 Transaction in capital or shares
Notary:
Herbert HOUBEN · Genk
Technical details
{
"events": [
{
"kind": "statutory_reserve_release",
"after_eur": 6200.0,
"delta_eur": 0.0,
"before_eur": 6200.0,
"decrease_purpose": null,
"contribution_type": "reserves_incorporation",
"paid_up_delta_eur": null,
"n_shares_destroyed": null,
"not_yet_called_eur": 12400.0,
"merger_new_shares_n": null,
"merger_exchange_ratio": null,
"distribution_amount_eur": null,
"statutory_unavailable_equity_op": "convert_to_distributable"
}
],
"notary": {
"name": "Herbert HOUBEN",
"firm_city": null,
"firm_name": null,
"office_city": "Genk",
"is_associated": false
},
"act_meta": {
"language": "nl",
"pub_date": "2023-12-18",
"filing_date": "2023-12-14",
"act_kind_objet": "Onderwerp akte:"
},
"decision": {
"body": "buitengewone_algemene_vergadering",
"act_date": "2023-11-23",
"unanimous": null,
"under_authorized_capital": true,
"underlying_resolution_date": null
},
"bedrijfsrevisor": null,
"subject_company": {
"kbo": "0896.255.452",
"name_full": "FINVISION",
"legal_form": "BV",
"is_foreign_registered": false
},
"publication_proxy": {
"kind": "none",
"org_kbo": null,
"org_name": null,
"person_name": null,
"org_rep_person_name": null,
"person_role_at_subject": null
},
"co_filed_documents": [
"expeditie",
"geco\u00F6rdineerde statuten"
],
"shareholders_after": [],
"share_classes_after": [
{
"n_shares": 100,
"class_name": "Gewone Aandelen",
"capital_share_eur": null,
"voting_rights_per_share": 1.0
}
]
}Credit advice
Company registry (CBE)
Names & trade names
| Legal nameNL | FINVISION |