GENEFIN
ActiveThe computed 12-month bankruptcy probability of GENEFIN is 3.0% (moderate). The 2025 annual accounts show equity of €10.72M and a net result of €1.20M. Equity is growing by ~13.3% per year across the filed fiscal years. The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
46
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability48=
Solvency63▲+3
Growth78=
Track record94
Bankruptcy probability, 12 months
3.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €490k at 30 days acceptable
Liquidity short (current ratio 0.25 against 0.19 in 2024; short-term debt: 62.2% and cash: 5.5% of total assets), and 62.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
37.8%
Return on assets
4.2%
Age of the figures
9 mo
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 29-05-2026, 63 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
63 d early
2024
64 d early
2023
29 d early
2022
60 d early
2022
177 d early
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€1.20M▲ 6.6%
2024 · €1.12M
2022: €937k
2023: €1.04M
2024: €1.12M
2022 → 2025
Working capital
€-13.17M▲ 8.3%
2024 · €-14.37M
2022: €-16.52M
2023: €-15.49M
2024: €-14.37M
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€7.37M-€8.40M▲ 14.1%€9.52M▲ 13.3%€10.72M▲ 12.6%
Operating result€-31k-€-7k▲ 79.1%€-9k▼ 44.0%€-9k▲ 9.9%
Net result€937k-€1.04M▲ 10.5%€1.12M▲ 8.3%€1.20M▲ 6.6%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €9k in 2025 against €9k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €28.37M
Fixed assets
€23.89M=
Current assets
€4.48M▲ 36.3%
Equity and liabilities €28.37M
Equity
€10.72M▲ 12.6%
Debt
€17.65M=
The debt ratio falls from 65.0% to 62.2%. Equity is higher.
Key figures and ratios
Solvency
37.8%▲
2024 · 35.0%
Current ratio
0.25▲
2024 · 0.19
Quick ratio
0.25▲
2024 · 0.19
Debt / equity
1.65▼
2024 · 1.85
ROE
11.2%▼
2024 · 11.8%
ROA
4.2%▲
2024 · 4.1%
Debt
€17.65M=
2024 · €17.65M
Debt ≤ 1 year
€17.65M=
2024 · €17.65M
Income taxes
€131k▲
2024 · €125k
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€27.18M€28.37M▲
Fixed assets21/28€23.89M€23.89M=
Financial fixed assets28€23.89M€23.89M=
Current assets29/58€3.28M€4.48M▲
Amounts receivable within one year40/41€261k€533k▲
Other amounts receivable41€261k€533k▲
Current investments50/53€2.90M€2.36M▼
Cash at bank and in hand54/58€121k€1.57M▲
Deferred charges and accrued income490/1€3k€17k▲
Equity and liabilities
Total equity and liabilities10/49€27.18M€28.37M▲
Equity10/15€9.52M€10.72M▲
Contributions10/11€4.00M€4.00M=
Capital10€4.00M€4.00M=
Issued capital100€4.00M€4.00M=
Reserves13€2.27M€3.46M▲
Non-distributable reserves130/1€230k€300k▲
Legal reserve130€230k€300k▲
Distributable reserves133€2.04M€3.16M▲
Profit (loss) carried forward14€3.25M€3.25M=
Amounts payable17/49€17.65M€17.65M=
Amounts payable within one year42/48€17.65M€17.65M=
Trade debts44€2k€0▼
Suppliers440/4€2k€0▼
Other amounts payable47/48€17.65M€17.65M=
Income statement
Code20242025
Other operating charges640/8€4k€5k▲
Gross operating margin9900€-5k€-4k▲
Operating profit (loss)9901€-9k€-9k▲
Financial income75/76B€1.29M€1.36M▲
Recurring financial income75€1.29M€1.36M▲
Financial charges65/66B€35k€23k▼
Recurring financial charges65€35k€23k▼
Profit (loss) for the period before taxes9903€1.25M€1.33M▲
Income taxes67/77€125k€131k▲
Profit (loss) for the period9904€1.12M€1.20M▲
Profit (loss) for the period to be appropriated9905€1.12M€1.20M▲
Appropriation of the result
Profit (loss) to be appropriated9906€4.38M€4.45M▲
Profit (loss) brought forward from the previous period14P€3.25M€3.25M=
Transfer to equity691/2€1.12M€1.20M▲
To the legal reserve6920€62k€70k▲
To other reserves6921€1.06M€1.13M▲
The notes to these accounts (5 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
29-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Highest result since 2022net €1.20M ▲6.6%
Net result €1.20M, the highest in the series.
31-12
Financial
Equity above €10MEq €10.72M ▲12.6%
4 profitable years in a row build equity to €10.72M.
28-05
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
01-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
13-12
NBB filing
Annual accounts filed
fiscal year 2022 · unclassified schema
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, Sint-Pieters-Woluwe · 1 establishment unit since 2022
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.
Zondagsboslaan 31150 Sint-Pieters-WoluweGround area
1,287 m²
Building footprint
225 m²
Volume, LiDAR
1,486 m³
Parcel 21682C0009/00P003, Brussels · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
GENEFIN
since 20222.341.077.479
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21682C0009/00P003 | Brussels | 1,287 m² | 1 · 225 m² | 9.2 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.
Recognitions · licences · registrations
Legal Entity Identifier
2549004T5QY1BPPSRY47
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded15-11-2022
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.