The Finest
ActiveSummary
The Finest has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €43k and a net result of €14k. Equity is growing by ~27.6% per year across the filed fiscal years. Its solvency ranks better than 19% of 9494 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability51▼-20
Solvency41▲+8
Growth52=
Track record94
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.02 against 0.95 in 2024; short-term debt: 82.8% and cash: 73% of total assets), and 83.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Architectural and engineering activities; technical testing and analysis (NACE 71)
about 56% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
16.3%
Return on assets
5.2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 9494 sector peers (2025).
NBB · sector comparisonPosition among 9494 sector peers
Solvency
better than 19%
← 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 27-07-2026, 4 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
4 d early
2024
41 d early
2023
1 d early
2022
13 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€43k▲ 47.4%
2024 · €30k
2022: €19klowest in 4 years
2023: €24k▲ +24.2% vs 2022
2024: €30k▲ +23.3% vs 2023
2025: €43k▲ +47.4% vs 2024highest in 4 years
2022 → 2025
Total assets
€267k▼ 27.9%
2024 · €370k
2022: €146klowest in 4 years
2023: €195k▲ +33.6% vs 2022
2024: €370k▲ +89.2% vs 2023highest in 4 years
2025: €267k▼ -27.9% vs 2024
2022 → 2025
Net result
€14k▲ 151%
2024 · €6k
2022: €14khighest in 4 years
2023: €5k▼ -67.3% vs 2022lowest in 4 years
2024: €6k▲ +19.4% vs 2023
2025: €14k▲ +151% vs 2024
2022 → 2025
Working capital
€5k
2024 · €-16k
2022: €15khighest in 4 years
2023: €11k▼ -27.6% vs 2022
2024: €-16k▼ -245% vs 2023lowest in 4 years
2025: €5k▲ +133% vs 2024
2022 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€19k-€24k▲ 24.2%€30k▲ 23.3%€43k▲ 47.4%
2022: €19klowest in 4 years
2023: €24k▲ +24.2% vs 2022
2024: €30k▲ +23.3% vs 2023
2025: €43k▲ +47.4% vs 2024highest in 4 years
Operating result€18k-€5k▼ 70.8%€7k▲ 23.4%€33k▲ 401%
2022: €18k
2023: €5k▼ -70.8% vs 2022lowest in 4 years
2024: €7k▲ +23.4% vs 2023
2025: €33k▲ +401% vs 2024highest in 4 years
Net result€14k-€5k▼ 67.3%€6k▲ 19.4%€14k▲ 151%
2022: €14khighest in 4 years
2023: €5k▼ -67.3% vs 2022lowest in 4 years
2024: €6k▲ +19.4% vs 2023
2025: €14k▲ +151% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 401% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €267k
Fixed assets
€41k ▼ 26.8%
Current assets
€226k ▼ 28.1%
Equity and liabilities €267k
Equity
€43k ▲ 47.4%
Debt
€223k ▼ 34.4%
Debt's share of the balance-sheet total falls from 92.0% to 83.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€48k▲
2024 · €18k
Cash flow
€29k▲
2024 · €17k
Current ratio
1.02▲
2024 · 0.95
Debt to equity
5.13▼
2024 · 11.53
ROE
32.1%▲
2024 · 18.9%
ROA
5.2%▲
2024 · 1.5%
Interest coverage
3.12▼
2024 · 20.59
Debt ≤ 1 year
€221k▼
2024 · €330k
Debt > 1 year
€3k▼
2024 · €10k
Income taxes
€4k▲
2024 · €880
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€370k€267k▼
Fixed assets21/28€56k€41k▼
Tangible fixed assets22/27€56k€41k▼
Plant, machinery and equipment23€40k€32k▼
Furniture and vehicles24€15k€9k▼
Current assets29/58€314k€226k▼
Stocks and contracts in progress3€5k€0▼
Contracts in progress37€5k€0▼
Amounts receivable within one year40/41€25k€31k▲
Trade receivables40€23k€25k▲
Other amounts receivable41€2k€6k▲
Cash at bank and in hand54/58€284k€195k▼
Deferred charges and accrued income490/1-€536
Equity and liabilities
Total equity and liabilities10/49€370k€267k▼
Equity10/15€30k€43k▲
Contributions10/11€5k€5k=
Reserves13€25k€38k▲
Distributable reserves133€25k€38k▲
Profit (loss) carried forward14€6€484▲
Amounts payable17/49€340k€223k▼
Amounts payable after more than one year17€10k€3k▼
Financial debts170/4€10k€3k▼
Amounts payable within one year42/48€330k€221k▼
Current portion of amounts payable after more than one year42€7k€7k▲
Financial debts43€521€15k▲
Credit institutions430/8€521€15k▲
Trade debts44€280k€64k▼
Suppliers440/4€280k€64k▼
Advances received on contracts in progress46€31k€3k▼
Taxes, remuneration and social security45€2k€1k▼
Taxes450/3€2k€1k▼
Other amounts payable47/48€9k€130k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€15k▲
Other operating charges640/8€411€861▲
Gross operating margin9900€19k€48k▲
Operating profit (loss)9901€7k€33k▲
Financial income75/76B€801€50▼
Recurring financial income75€801€50▼
Financial charges65/66B€885€15k▲
Recurring financial charges65€885€15k▲
Profit (loss) for the period before taxes9903€6k€18k▲
Income taxes67/77€880€4k▲
Profit (loss) for the period9904€6k€14k▲
Profit (loss) for the period to be appropriated9905€6k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€6k€14k▲
Profit (loss) brought forward from the previous period14P€34€6▼
Transfer to equity691/2€6k€14k▲
To other reserves6921€6k€14k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4k | €7k | €12k | €15k | ▲ 27.4% |
| Other operating charges640/8 | €971 | €448 | €411 | €861 | ▲ 109% |
| Gross operating margin9900 | €24k | €13k | €19k | €48k | ▲ 160% |
| Operating profit (loss)9901 | €18k | €5k | €7k | €33k | ▲ 401% |
| Financial income75/76B | €3 | €836 | €801 | €50 | ▼ 93.7% |
| Recurring financial income75 | €3 | €836 | €801 | €50 | ▼ 93.7% |
| Financial charges65/66B | €489 | €433 | €885 | €15k | ▲ 1,622% |
| Recurring financial charges65 | €489 | €433 | €885 | €15k | ▲ 1,622% |
| Profit (loss) for the period before taxes9903 | €18k | €6k | €6k | €18k | ▲ 172% |
| Income taxes67/77 | €3k | €1k | €880 | €4k | ▲ 305% |
| Profit (loss) for the period9904 | €14k | €5k | €6k | €14k | ▲ 151% |
| Profit (loss) for the period to be appropriated9905 | €14k | €5k | €6k | €14k | ▲ 151% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €146k | €195k | €370k | €267k | ▼ 27.9% |
| Fixed assets21/28 | €29k | €30k | €56k | €41k | ▼ 26.8% |
| Tangible fixed assets22/27 | €29k | €30k | €56k | €41k | ▼ 26.8% |
| Plant, machinery and equipment23 | - | €8k | €40k | €32k | ▼ 20.6% |
| Furniture and vehicles24 | €29k | €22k | €15k | €9k | ▼ 43.0% |
| Current assets29/58 | €118k | €165k | €314k | €226k | ▼ 28.1% |
| Stocks and contracts in progress3 | - | - | €5k | €0 | ▼ 100% |
| Contracts in progress37 | - | - | €5k | €0 | ▼ 100% |
| Amounts receivable within one year40/41 | €29k | €50k | €25k | €31k | ▲ 23.3% |
| Trade receivables40 | €20k | €48k | €23k | €25k | ▲ 8.5% |
| Other amounts receivable41 | €9k | €2k | €2k | €6k | ▲ 182% |
| Cash at bank and in hand54/58 | €88k | €115k | €284k | €195k | ▼ 31.5% |
| Deferred charges and accrued income490/1 | - | - | - | €536 | - |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €146k | €195k | €370k | €267k | ▼ 27.9% |
| Equity10/15 | €19k | €24k | €30k | €43k | ▲ 47.4% |
| Contributions10/11 | €5k | €5k | €5k | €5k | = |
| Reserves13 | €14k | €19k | €25k | €38k | ▲ 55.1% |
| Distributable reserves133 | €14k | €19k | €25k | €38k | ▲ 55.1% |
| Profit (loss) carried forward14 | €267 | €34 | €6 | €484 | ▲ 8,550% |
| Amounts payable17/49 | €127k | €171k | €340k | €223k | ▼ 34.4% |
| Amounts payable after more than one year17 | €25k | €17k | €10k | €3k | ▼ 74.9% |
| Financial debts170/4 | €25k | €17k | €10k | €3k | ▼ 74.9% |
| Amounts payable within one year42/48 | €102k | €154k | €330k | €221k | ▼ 33.2% |
| Current portion of amounts payable after more than one year42 | €7k | €7k | €7k | €7k | ▲ 0.7% |
| Financial debts43 | - | - | €521 | €15k | ▲ 2,754% |
| Credit institutions430/8 | - | - | €521 | €15k | ▲ 2,754% |
| Trade debts44 | €88k | €114k | €280k | €64k | ▼ 77.2% |
| Suppliers440/4 | €88k | €114k | €280k | €64k | ▼ 77.2% |
| Advances received on contracts in progress46 | €2k | €25k | €31k | €3k | ▼ 89.0% |
| Taxes, remuneration and social security45 | €3k | €5k | €2k | €1k | ▼ 35.1% |
| Taxes450/3 | €3k | €5k | €2k | €1k | ▼ 35.1% |
| Other amounts payable47/48 | €2k | €3k | €9k | €130k | ▲ 1,305% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €14k | €5k | €6k | €14k | ▲ 151% |
| + Depreciation and write-downs630 | €4k | €7k | €12k | €15k | ▲ 27.4% |
| Operating cash flow (approximation) | €19k | €12k | €17k | €29k | ▲ 67.3% |
| Investment in fixed assets (approximation) | - | €-8k | €-37k | €0 | ▲ 100% |
| Change in cash | - | €27k | €169k | €-89k | ▼ 153% |
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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €5k ▼67.3%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Zaventem · 1 establishment unit since 2021
Ground area
9,922 m²
Building footprint
1,972 m²
Volume, LiDAR
12,184 m³
Parcel 23772C0399/00E000, Flanders · tallest building 6.8 m, ±2 floors. Linked by address, not a title deed.
9
companies at this address
See who is registered here
1 establishment unit
The Finest
since 20212.319.265.545
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23772C0399/00E000 | Flanders | 9,922 m² | 1 · 1,972 m² | 6.8 m · 2 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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Of 3,920 companies in sector 71112 we hold annual accounts for 1,295. 1,070 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
Founded08-07-2021
Fiscal year end31-12
Activities, NACEBEL 2025
71112Activities of interior architects
41001General construction of residential buildings
43240Other construction installation
Scores and ratios are computed by Checked and are not a credit decision.