FINVISORS
ActiveSummary
FINVISORS has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €263,684 and a net result of €47,738. Equity is growing by ~43.6% per year across the filed fiscal years. Its solvency ranks better than 71% of 8968 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability86▼-14
Solvency99▲+9
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19,000 at 30 days acceptable
Liquidity ample (current ratio 3.82 against 2.82 in 2023; short-term debt: 25.8% and cash: 12.3% of total assets), and 25.8% of the assets are financed with debt.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 26-06-2026, 35 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
35 d early
2024
31 d late
2023
85 d late
2022
31 d late
2021
60 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 34 days after the deadline; the sector median for financial year 2024 is 6 days before the deadline, and 36% 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 August (4 of the last 5 filed years within 55 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2024, micro schema
Equity
€263,684▲ 22.1%
2023 · €215,946
Total assets
€355,442▲ 7.5%
2023 · €330,753
Net result
€47,738▼ 70.3%
2023 · €160,800
Working capital
€258,965▲ 23.8%
2023 · €209,151
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 73, Advertising, market research and public relations activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2021202220232024
Operating result€105,938-€126,592▲ 19.5%€215,060▲ 69.9%€62,419▼ 71.0%
Net result€77,110above the sector's middle half-€3,636within the sector's middle half▼ 95.3%€160,800above the sector's middle half▲ 4,322%€47,738above the sector's middle half▼ 70.3%
Equity€80,110within the sector's middle half-€55,146within the sector's middle half▼ 31.2%€215,946above the sector's middle half▲ 292%€263,684above the sector's middle half▲ 22.1%
Total assets€127,814within the sector's middle half-€124,517within the sector's middle half▼ 2.6%€330,753within the sector's middle half▲ 166%€355,442above the sector's middle half▲ 7.5%
Debt€47,704-€69,371▲ 45.4%€114,807▲ 65.5%€91,758▼ 20.1%
Working capital€76,188within the sector's middle half-€46,068within the sector's middle half▼ 39.5%€209,151above the sector's middle half▲ 354%€258,965above the sector's middle half▲ 23.8%
Solvency62.7%within the sector's middle half-44.3%within the sector's middle half▼ 18.4pp65.3%within the sector's middle half▲ 21.0pp74.2%within the sector's middle half▲ 8.9pp
Current ratio2.60within the sector's middle half-1.66within the sector's middle half▼ 0.932.82within the sector's middle half▲ 1.163.82within the sector's middle half▲ 1.00
Return on assets (ROA)60.3%above the sector's middle half-2.9%within the sector's middle half▼ 57.4pp48.6%above the sector's middle half▲ 45.7pp13.4%within the sector's middle half▼ 35.2pp
above
within
below
the middle half (P25 to P75) of NACE 73, Advertising, market research and public relations activities, each year against the same schema; no band under 30 filings.
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 2024; 2024 is 71% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €355,442
Fixed assets
€4,719 ▼ 30.6%
Current assets
€350,723 ▲ 8.3%
Equity and liabilities €355,442
Equity
€263,684 ▲ 22.1%
Debt
€91,758 ▼ 20.1%
Debt's share of the balance-sheet total falls from 34.7% to 25.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€64,496▼
2023 · €217,343
Cash flow
€49,815▼
2023 · €163,083
Debt to equity
0.35▼
2023 · 0.53
ROE
18.1%▼
2023 · 74.5%
Interest coverage
8.82▼
2023 · 50.25
Debt ≤ 1 year
€91,758▼
2023 · €114,807
Income taxes
€18,277▼
2023 · €52,680
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,975 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,975 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,739 | €1,460 | €2,283 | €2,077 | ▼ 9.0% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | €3,898 | - |
| Other operating charges640/8 | €447 | €5,461 | €714 | €1,887 | ▲ 164% |
| Gross operating margin9900 | €108,123 | €133,512 | €218,057 | €70,280 | ▼ 67.8% |
| Operating profit (loss)9901 | €105,938 | €126,592 | €215,060 | €62,419 | ▼ 71.0% |
| Financial income75/76B | €1,263 | €396 | €2,745 | €10,905 | ▲ 297% |
| Recurring financial income75 | €1,263 | €396 | €2,745 | €10,905 | ▲ 297% |
| Financial charges65/66B | €2,575 | €117,625 | €4,325 | €7,309 | ▲ 69.0% |
| Recurring financial charges65 | €2,575 | €117,625 | €4,325 | €7,309 | ▲ 69.0% |
| Profit (loss) for the period before taxes9903 | €104,627 | €9,363 | €213,480 | €66,015 | ▼ 69.1% |
| Income taxes67/77 | €27,517 | €5,726 | €52,680 | €18,277 | ▼ 65.3% |
| Profit (loss) for the period9904 | €77,110 | €3,636 | €160,800 | €47,738 | ▼ 70.3% |
| Profit (loss) for the period to be appropriated9905 | €77,110 | €3,636 | €160,800 | €47,738 | ▼ 70.3% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €127,814 | €124,517 | €330,753 | €355,442 | ▲ 7.5% |
| Fixed assets21/28 | €3,922 | €9,078 | €6,796 | €4,719 | ▼ 30.6% |
| Intangible fixed assets21 | - | €2,935 | €2,345 | €1,755 | ▼ 25.2% |
| Tangible fixed assets22/27 | €3,922 | €4,493 | €2,800 | €1,314 | ▼ 53.1% |
| Plant, machinery and equipment23 | €3,922 | €4,493 | €2,800 | €1,314 | ▼ 53.1% |
| Financial fixed assets28 | - | €1,650 | €1,650 | €1,650 | = |
| Current assets29/58 | €123,892 | €115,439 | €323,958 | €350,723 | ▲ 8.3% |
| Amounts receivable within one year40/41 | €114,505 | €78,647 | €88,877 | €305,291 | ▲ 243% |
| Trade receivables40 | €16,697 | €75,330 | €11,589 | €21,924 | ▲ 89.2% |
| Other amounts receivable41 | €97,807 | €3,317 | €77,288 | €283,367 | ▲ 267% |
| Cash at bank and in hand54/58 | €6,128 | €34,003 | €232,292 | €43,648 | ▼ 81.2% |
| Deferred charges and accrued income490/1 | €3,259 | €2,789 | €2,789 | €1,785 | ▼ 36.0% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €127,814 | €124,517 | €330,753 | €355,442 | ▲ 7.5% |
| Equity10/15 | €80,110 | €55,146 | €215,946 | €263,684 | ▲ 22.1% |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Reserves13 | €77,110 | €52,146 | €212,946 | €260,684 | ▲ 22.4% |
| Distributable reserves133 | €77,110 | €52,146 | €212,946 | €260,684 | ▲ 22.4% |
| Amounts payable17/49 | €47,704 | €69,371 | €114,807 | €91,758 | ▼ 20.1% |
| Amounts payable within one year42/48 | €47,704 | €69,371 | €114,807 | €91,758 | ▼ 20.1% |
| Trade debts44 | €9,827 | €9,200 | €29,074 | €14,032 | ▼ 51.7% |
| Suppliers440/4 | €9,827 | €9,200 | €29,074 | €14,032 | ▼ 51.7% |
| Taxes, remuneration and social security45 | €34,065 | €60,171 | €85,733 | €77,726 | ▼ 9.3% |
| Taxes450/3 | €34,065 | €60,171 | €81,188 | €77,726 | ▼ 4.3% |
| Remuneration and social security454/9 | - | - | €4,545 | - | - |
| Other amounts payable47/48 | €3,812 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €77,110 | €3,636 | €160,800 | €47,738 | ▼ 70.3% |
| + Depreciation and write-downs630 | €1,739 | €1,460 | €2,283 | €2,077 | ▼ 9.0% |
| Operating cash flow (approximation) | €78,849 | €5,096 | €163,083 | €49,815 | ▼ 69.5% |
| Investment in fixed assets (approximation) | - | -€6,616 | €0 | €0 | - |
| Change in cash | - | €27,875 | €198,289 | -€188,645 | ▼ 195% |
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
26-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
24-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 85 days late
2023
31-12
Financial
Highest result since 2021net €160,800 ▲4,322%
Operating result €215,060, net result €160,800, both a record.
31-12
Financial
Equity above €200,000Eq €215,946 ▲292%
3 profitable years in a row build equity to €215,946.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €3,636 ▼95.3%
Net result drops to €3,636, the lowest in the series; recovery starts the following year.
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 acts for this company are 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, Edegem · 1 establishment unit since 2020
Ground area
1,001 m²
Building footprint
334 m²
Volume, LiDAR
2,168 m³
Parcel 11013A0074/00G015, Flanders · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
FINVISORS
since 20202.307.860.325
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11013A0074/00G015 | Flanders | 1,001 m² | 1 · 334 m² | 10.3 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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
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SC2 CONSULTANTS
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Of 13,417 companies in sector 73300 we hold annual accounts for 6,906. 4,972 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded25-09-2020
Fiscal year end31-12
Activities, NACEBEL 2025
73300Public relations and communication consultancy
78100Employment placement agencies
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0754882110
Also
9925:BE0754882110
Registered
30-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.