Finvisor
ActiveFinvisor 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 €1k and a net result of €66k. Equity is shrinking by ~43.8% per year across the filed fiscal years. Its solvency ranks better than 9% of 7962 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 7962 sector peers (2025).
NBB · sector comparisonPosition among 7962 sector peers
Solvency
better than 9%
← weakest
strongest →
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 03-04-2026, 119 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
119 d early
2024
13 d early
2023
26 d late
2022
32 d late
2021
30 d late
2020
31 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1k▼ 79.7%
2024 · €5k
2020: €40k
2021: €22k
2022: €6k
2023: €40k
2024: €5k
2020 → 2025
Net result
€66k
2024 · €-35k
2020: €39k
2021: €-17k
2022: €-17k
2023: €52k
2024: €-35k
2020 → 2025
Total assets
€85k▲ 222%
2024 · €26k
2020: €98k
2021: €80k
2022: €41k
2023: €79k
2024: €26k
2020 → 2025
Solvency
1.2%▼ 17.6pp
2024 · 18.8%
2020: 40.7%
2021: 28.0%
2022: 13.7%
2023: 49.9%
2024: 18.8%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€22k-€6k▼ 75.2%€40k▲ 612%€5k▼ 87.5%€1k▼ 79.7%
Operating result€-15k-€-16k▼ 3.5%€57k€-34k€78k
Net result€-17k-€-17k▲ 3.3%€52k€-35k€66k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €78k after a loss of €34k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €85k
Fixed assets
€3k▼ 19.5%
Current assets
€82k▲ 258%
Equity and liabilities €85k
Equity
€1k▼ 79.7%
Debt
€84k▲ 292%
The debt ratio rises from 81.2% to 98.8%: debt grows while equity shrinks.
Key figures and ratios
Solvency
1.2%▼
2024 · 18.8%
ROA
77.8%▲
2024 · -131.6%
Debt
€84k▲
2024 · €21k
Debt ≤ 1 year
€84k▲
2024 · €21k
Income taxes
€13k▲
2024 · €260
A ratio outside any meaningful range has been withheld (balance sheet total €85k, equity €1k).
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€26k€85k▲
Fixed assets21/28€3k€3k▼
Tangible fixed assets22/27€3k€3k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€0-
Other tangible fixed assets26€615€487▼
Current assets29/58€23k€82k▲
Amounts receivable within one year40/41€10k€39k▲
Trade receivables40€9k€39k▲
Other amounts receivable41€1k€0▼
Cash at bank and in hand54/58€7k€42k▲
Deferred charges and accrued income490/1€5k€804▼
Equity and liabilities
Total equity and liabilities10/49€26k€85k▲
Equity10/15€5k€1k▼
Contributions10/11€1k€1k=
Reserves13€39k€0▼
Distributable reserves133€39k€0▼
Profit (loss) carried forward14€-35k€0▲
Amounts payable17/49€21k€84k▲
Amounts payable within one year42/48€21k€84k▲
Trade debts44€10k€2k▼
Suppliers440/4€10k€2k▼
Advances received on contracts in progress46€11k€0▼
Taxes, remuneration and social security45€260€10k▲
Taxes450/3€260€10k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€579€71k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€761€665▼
Other operating charges640/8€858€1k▲
Gross operating margin9900€-33k€80k▲
Operating profit (loss)9901€-34k€78k▲
Financial income75/76B€263€1k▲
Recurring financial income75€263€1k▲
Financial charges65/66B€337€276▼
Recurring financial charges65€337€276▼
Profit (loss) for the period before taxes9903€-34k€79k▲
Income taxes67/77€260€13k▲
Profit (loss) for the period9904€-35k€66k▲
Profit (loss) for the period to be appropriated9905€-35k€66k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-35k€31k▲
Profit (loss) brought forward from the previous period14P€0€-35k▼
Transfer from equity791/2-€39k
Profit to be distributed694/7€0€70k▲
Return on contributions (dividend)694€0€70k▲
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
03-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €66k
Net result €66k after one loss-making year.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-35k ▼167%
Net result drops to €-35k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Back to profitnet €52k
Net result €52k after 2 loss-making years.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Lochristi · 1 establishment unit since 2019
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.
Cijnsakkerweg 99080 LochristiGround area
846 m²
Building footprint
141 m²
Volume, LiDAR
799 m³
Parcel 44034C0919/00Z000, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Finvisor
since 20192.295.191.828
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44034C0919/00Z000 | Flanders | 846 m² | 1 · 141 m² | 8.2 m · 2 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.
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OBRI BEAU
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Of 24,640 companies in sector 64210 we hold annual accounts for 19,693. 1,002 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-10-2019
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.