RS FINCON
ActiveRS FINCON has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €220k and a net result of €11k. Equity is growing by ~7.7% per year across the filed fiscal years. Its solvency ranks better than 92% of 8584 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
86
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability58=
Solvency100=
Growth57▲+1
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 20.07 against 30.37 in 2024), and 5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
95%
Return on assets
4.8%
Age of the figures
8 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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
3 d early
2023
22 d early
2022
21 d early
2021
4 d early
2020
on the day
2019
5 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, abbreviated schema
Turnover
€82k▼ 1.6%
2024 · €83k
2018: €121k
2019: €97k
2020: €114k
2021: €116k
2022: €73k
2023: €115k
2024: €83k
2018 → 2025
EBIT margin
21.9%▲ 0.4pp
2024 · 21.4%
2018: 9.8%
2019: 19.0%
2020: 25.5%
2021: 14.3%
2022: 22.4%
2023: 22.0%
2024: 21.4%
2018 → 2025
Net result
€11k▲ 2.0%
2024 · €11k
2018: €7k
2019: €12k
2020: €23k
2021: €10k
2022: €11k
2023: €17k
2024: €11k
2018 → 2025
Working capital
€220k▲ 5.3%
2024 · €209k
2018: €126k
2019: €137k
2020: €160k
2021: €170k
2022: €182k
2023: €198k
2024: €209k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€116k-€73k▼ 37.4%€115k▲ 58.1%€83k▼ 27.7%€82k▼ 1.6%
Equity€170k-€182k▲ 6.8%€198k▲ 9.2%€209k▲ 5.5%€220k▲ 5.3%
Operating result€17k-€16k▼ 1.9%€25k▲ 55.1%€18k▼ 29.5%€18k▲ 0.3%
Net result€10k-€11k▲ 19.9%€17k▲ 44.7%€11k▼ 35.0%€11k▲ 2.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 0% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €232k
Equity
€220k▲ 5.3%
Debt
€12k▲ 62.2%
The debt ratio rises from 3.3% to 5.0%: debt grows faster than equity.
Key figures and ratios
Solvency
95.0%▼
2024 · 96.7%
Current ratio
20.07▼
2024 · 30.37
Quick ratio
20.07▼
2024 · 30.37
Debt / equity
0.05▲
2024 · 0.03
ROE
5.0%▼
2024 · 5.2%
ROA
4.8%▼
2024 · 5.0%
Debt
€12k▲
2024 · €7k
Debt ≤ 1 year
€12k▲
2024 · €7k
Income taxes
€4k▲
2024 · €4k
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€216k€232k▲
Current assets29/58€216k€232k▲
Amounts receivable within one year40/41€211k€223k▲
Trade receivables40€24k€27k▲
Other amounts receivable41€187k€196k▲
Cash at bank and in hand54/58€6k€9k▲
Equity and liabilities
Total equity and liabilities10/49€216k€232k▲
Equity10/15€209k€220k▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€201k€212k▲
Amounts payable17/49€7k€12k▲
Amounts payable within one year42/48€7k€12k▲
Trade debts44€317€526▲
Suppliers440/4€317€526▲
Taxes, remuneration and social security45€7k€11k▲
Taxes450/3€7k€11k▲
Income statement
Code20242025
Turnover70€83k€82k▼
Goods, raw materials, services and sundry goods60/61€65k€63k▼
Other operating charges640/8€551€520▼
Gross operating margin9900€18k€18k▲
Operating profit (loss)9901€18k€18k▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€15k€15k▲
Income taxes67/77€4k€4k▲
Profit (loss) for the period9904€11k€11k▲
Profit (loss) for the period to be appropriated9905€11k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€201k€212k▲
Profit (loss) brought forward from the previous period14P€190k€201k▲
The notes to these accounts (1 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €200kEq €209k ▲5.5%
7 profitable years in a row build equity to €209k.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €23k ▲99.6%
Operating result €29k, net result €23k, both a record.
31-12
Financial
Equity above €150kEq €160k ▲16.8%
3 profitable years in a row build equity to €160k.
05-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 5 days late
2019
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2024
Rafaël SCHAERLAECKEN
CurrentDirector · since 23-04-2024
23-04-2024
Rafaël SCHAERLAECKEN: Appointed as Director
31-10-2023
Ni PAN: Resigned as Director
Location & real-estate footprint
Registered office, Putte · 1 establishment unit since 2005
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.
Peulisbaan 1092580 PutteGround area
1,004 m²
Building footprint
144 m²
Volume, LiDAR
773 m³
Parcel 12429A0116/00L002, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
RS FINCON
since 20052.149.410.330
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12429A0116/00L002 | Flanders | 1,004 m² | 1 · 144 m² | 8.1 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.
Similar companies · same sector, comparable size
EAST WEST CONSULTING
BE 0451.481.451
Brussel · Eq €220k
TVE CONSULTING
BE 0627.649.287
Aalst · Eq €220k
Wilfried De Niel
BE 0694.682.425
Sint-Agatha-Berchem · Eq €220k
GROBUS BEHEER
BE 0550.638.217
Kalmthout · Eq €220k
PROLOG
BE 0456.872.275
Laarne · Eq €220k
Of 82,218 companies in sector 70200 we hold annual accounts for 52,395. 39,335 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-09-2005
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
96040Personal service activities
96230Day spas, saunas and steam baths
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0499/111783