INFI-GROUPE
ActiveINFI-GROUPE has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €104k and a net result of €51k. Equity is growing by ~9.8% per year across the filed fiscal years. Its solvency ranks better than 29% of 18237 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▼-13
Solvency35▼-4
Growth78=
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity short (current ratio 0.82 against 0.85 in 2024; short-term debt: 29% and cash: 15.6% of total assets), and 90.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
9.6%
Return on assets
4.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
16 d early
2023
63 d late
2022
23 d late
2021
50 d late
2020
31 d late
2019
76 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€51k▼ 49.8%
2024 · €102k
2018: €23k
2019: €7k
2020: €4k
2021: €-2k
2022: €9k
2023: €-35k
2024: €102k
2018 → 2025
Working capital
€-56k▼ 59.7%
2024 · €-35k
2018: €-97k
2019: €-78k
2020: €8k
2021: €7k
2022: €-76k
2023: €-119k
2024: €-35k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€61k-€51k▼ 16.2%€16k▼ 68.6%€95k▲ 491%€104k▲ 9.5%
Operating result€11k-€30k▲ 165%€-17k€172k€87k▼ 49.3%
Net result€-2k-€9k€-35k€102k€51k▼ 49.8%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 49% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.08M
Fixed assets
€825k▲ 75.7%
Current assets
€257k▲ 33.4%
Equity and liabilities €1.08M
Equity
€104k▲ 9.5%
Provisions
€28k▼ 1.0%
Debt
€952k▲ 76.1%
The debt ratio rises from 81.5% to 87.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€194k▼
2024 · €249k
Cash flow
€158k▼
2024 · €179k
Solvency
9.6%▼
2024 · 14.3%
Current ratio
0.82▼
2024 · 0.85
Quick ratio
0.82▼
2024 · 0.85
Debt / equity
9.18▲
2024 · 5.71
ROE
49.5%▼
2024 · 107.9%
ROA
4.7%▼
2024 · 15.4%
Interest coverage
9.89▼
2024 · 12.79
Debt
€952k▲
2024 · €540k
Debt ≤ 1 year
€314k▲
2024 · €228k
Debt > 1 year
€593k▲
2024 · €312k
Income taxes
€21k▼
2024 · €23k
Staff costs
€471k▲
2024 · €460k
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€663k€1.08M▲
Fixed assets21/28€470k€825k▲
Tangible fixed assets22/27€464k€776k▲
Land and buildings22€348k€657k▲
Plant, machinery and equipment23€24k€41k▲
Furniture and vehicles24€57k€55k▼
Other tangible fixed assets26€35k€23k▼
Financial fixed assets28€5k€49k▲
Current assets29/58€193k€257k▲
Amounts receivable within one year40/41€65k€84k▲
Other amounts receivable41€65k€84k▲
Cash at bank and in hand54/58€126k€169k▲
Deferred charges and accrued income490/1€2k€5k▲
Equity and liabilities
Total equity and liabilities10/49€663k€1.08M▲
Equity10/15€95k€104k▲
Contributions10/11€19k€19k=
Reserves13€86k€85k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€84k€83k▼
Profit (loss) carried forward14€-10k€0▲
Provisions and deferred taxes16€28k€28k▼
Deferred taxes168€28k€28k▼
Amounts payable17/49€540k€952k▲
Amounts payable after more than one year17€312k€593k▲
Financial debts170/4€312k€593k▲
Amounts payable within one year42/48€228k€314k▲
Current portion of amounts payable after more than one year42€55k€106k▲
Trade debts44€10k€43k▲
Suppliers440/4€10k€43k▲
Taxes, remuneration and social security45€124k€119k▼
Taxes450/3€73k€51k▼
Remuneration and social security454/9€51k€69k▲
Other amounts payable47/48€39k€45k▲
Accrued charges and deferred income492/3-€45k
Income statement
Code20242025
Non-recurring operating income76A€130k-
Remuneration, social security and pensions62€460k€471k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€77k€106k▲
Other operating charges640/8€23k€23k▼
Non-recurring operating charges66A€138€1k▲
Gross operating margin9900€731k€688k▼
Operating profit (loss)9901€172k€87k▼
Financial income75/76B€297€4k▲
Recurring financial income75€297€4k▲
Non-recurring financial income76B€0-
Financial charges65/66B€19k€20k▲
Recurring financial charges65€19k€20k▲
Profit (loss) for the period before taxes9903€153k€72k▼
Transfer from deferred taxes780-€288
Transfer to deferred taxes680€28k-
Income taxes67/77€23k€21k▼
Profit (loss) for the period9904€102k€51k▼
Transfer from tax-exempt reserves789-€864
Transfer to tax-exempt reserves689€84k-
Profit (loss) for the period to be appropriated9905€18k€52k▲
Appropriation of the result
Profit (loss) to be appropriated9906€14k€42k▲
Profit (loss) brought forward from the previous period14P€-4k€-10k▼
Profit to be distributed694/7€24k€42k▲
Return on contributions (dividend)694€24k€42k▲
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Equity above €100kEq €104k ▲9.5%
2 profitable years in a row build equity to €104k.
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Back to profitnet €102k
Net result €102k after one loss-making year.
02-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 63 days late
2023
31-12
Financial
Weakest financial yearnet €-35k ▼490%
Net result drops to €-35k, the lowest in the series; recovery starts the following year.
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
19-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 50 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Liquidity doublescurrent ratio 1.06
Current ratio from 0.48 to 1.06; short-term debt falls from €152k to €133k.
15-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 76 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 29 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 28 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Charleroi · 3 establishment units since 2016
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.
Rue de Mons 726031 CharleroiGround area
6,938 m²
Building footprint
752 m²
Volume, LiDAR
6,170 m³
3 parcels, Wallonia · tallest building 15.1 m, ±5 floors. Linked by address, not a title deed.
3 establishment units
INFI -GROUPE
since 20162.258.844.641
INFI -GROUPE
since 20162.258.844.740
Hainaut santé Monceau sur Sambre
since 20242.354.324.315
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52412A0299/00W006 | Wallonia | 6,222 m² | 1 · 476 m² | 9.7 m · 2 fl. |
| 52047B0128/00G002 | Wallonia | 629 m² | 1 · 196 m² | 10.9 m · 3 fl. |
| 52011B0239/00V166indicative | Wallonia | 87 m² | 1 · 80 m² | 15.1 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
2 of 3 parcels 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
SOYIN
BE 0838.827.393
Deinze · Eq €103k
ARVA CONFORT
BE 0466.047.287
Brunehaut · Eq €103k
ANKER CONSULT
BE 0834.051.926
Destelbergen · Eq €103k
GTO Tailor Made
BE 0797.653.368
Charleroi · Eq €105k
Dymeco
BE 0643.815.922
Gent · Eq €105k
Of 1,070 companies in sector 47741 we hold annual accounts for 644. 490 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-12-2015
Fiscal year end31-12
Activities, NACEBEL
47740Retail trade
47741Retail sale of medical and orthopaedic goods, excluding prescription glasses and lenses
86906Human health activities
86940Nursing and midwifery
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:071588121