FINVECO
ActiveSummary
FINVECO has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €910k and a net result of €-26k. Equity is growing by ~7.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability15=
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
short-term debt: 0.2% and cash: 1.4% of total assets, and 0.2% 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
99.8%
Return on assets
-2.8%
Age of the figures
9 mo
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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-26k
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 30-04-2026, 92 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
92 d early
2024
113 d early
2023
110 d early
2022
103 d early
2021
110 d early
2020
74 d early
2019
108 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€910k▼ 2.8%
2024 · €936k
2018: €499k
2019: €640k
2020: €759k
2021: €887k
2022: €1.06M
2023: €965k
2024: €936k
2018 → 2025
Total assets
€912k▼ 2.8%
2024 · €938k
2018: €556k
2019: €778k
2020: €898k
2021: €1.02M
2022: €1.19M
2023: €1.04M
2024: €938k
2018 → 2025
Net result
€-26k▲ 10.1%
2024 · €-29k
2018: €175k
2019: €187k
2020: €206k
2021: €225k
2022: €256k
2023: €-23k
2024: €-29k
2018 → 2025
Working capital
€910k▼ 2.7%
2024 · €935k
2018: €498k
2019: €628k
2020: €758k
2021: €885k
2022: €1.06M
2023: €963k
2024: €935k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€887k-€1.06M▲ 19.8%€965k▼ 9.3%€936k▼ 3.0%€910k▼ 2.8%
Operating result€310k-€268k▼ 13.8%€-46k€-36k▲ 21.4%€-41k▼ 11.6%
Net result€225k-€256k▲ 13.9%€-23k€-29k▼ 24.0%€-26k▲ 10.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €41k in 2025 against €36k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €912k
Fixed assets
€218 ▼ 68.0%
Current assets
€912k ▼ 2.7%
Equity and liabilities €912k
Equity
€910k ▼ 2.8%
Debt
€2k ▲ 0.1%
Debt's share of the balance-sheet total stays at 0.2%.
Key figures and ratios
EBITDA
€-40k▼
2024 · €-36k
Cash flow
€-25k▲
2024 · €-28k
Debt to equity
0.00▲
2024 · 0.00
ROE
-2.8%▲
2024 · -3.1%
ROA
-2.8%▲
2024 · -3.1%
Interest coverage
-475.05▼
2024 · -278.18
Debt ≤ 1 year
€2k▲
2024 · €2k
A ratio outside any meaningful range has been withheld (balance sheet total €912k, equity €910k).
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 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€938k€912k▼
Fixed assets21/28€683€218▼
Tangible fixed assets22/27€683€218▼
Furniture and vehicles24€683€218▼
Current assets29/58€937k€912k▼
Amounts receivable within one year40/41€2k€4k▲
Other amounts receivable41€2k€4k▲
Current investments50/53€913k€894k▼
Cash at bank and in hand54/58€22k€13k▼
Deferred charges and accrued income490/1€312€915▲
Equity and liabilities
Total equity and liabilities10/49€938k€912k▼
Equity10/15€936k€910k▼
Contributions10/11€12k€12k=
Reserves13€975k€975k=
Distributable reserves133€975k€975k=
Profit (loss) carried forward14€-52k€-78k▼
Amounts payable17/49€2k€2k▲
Amounts payable within one year42/48€2k€2k▲
Trade debts44-€159
Suppliers440/4-€159
Taxes, remuneration and social security45€2k€2k▼
Taxes450/3€2k€2k▼
Accrued charges and deferred income492/3€62-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€465€465=
Other operating charges640/8€2k€1k▼
Gross operating margin9900€-34k€-39k▼
Operating profit (loss)9901€-36k€-41k▼
Financial income75/76B€8k€15k▲
Recurring financial income75€8k€15k▲
Financial charges65/66B€129€84▼
Recurring financial charges65€129€84▼
Profit (loss) for the period before taxes9903€-28k€-26k▲
Income taxes67/77€308-
Profit (loss) for the period9904€-29k€-26k▲
Profit (loss) for the period to be appropriated9905€-29k€-26k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-52k€-78k▼
Profit (loss) brought forward from the previous period14P€-23k€-52k▼
The notes to these accounts (4 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
09-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-29k
Net result drops to €-29k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 44current ratio 587.54
Current ratio from 13.26 to 587.54; short-term debt falls from €79k to €2k.
12-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €256k ▲13.9%
Net result €256k, the highest in the series.
31-12
Financial
Equity above €1MEq €1.06M ▲19.8%
5 profitable years in a row build equity to €1.06M.
12-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
18-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
14-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €500kEq €640k ▲28.2%
2 profitable years in a row build equity to €640k.
Show earlier events
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
08-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2015
04-12
State Gazette act
General meeting · Director appointment
Permanent representative
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Meise · 1 establishment unit since 2013
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.
Meusegemstraat 1001861 MeiseGround area
1.0 ha
Building footprint
636 m²
Volume, LiDAR
1,976 m³
2 parcels, Flanders · tallest building 6.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Finveco
since 20132.223.062.925
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23093F0193/00H000 | Flanders | 9,450 m² | 1 · 481 m² | 3.9 m · 1 fl. |
| 23093E0157/00C002 | Flanders | 943 m² | 1 · 154 m² | 6.0 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Connections & network
1 connected companyLinked via shared directors
Shared director
→
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
3 locations
Recognitions · licences · registrations
Legal Entity Identifier
875500ZSBSPD2RINGH55
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 28,888 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-10-2013
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.