Checked.be
Active
BE 0462.759.779Private limited company
FIN-CONSULT
St. Martinusstraat (P.) 14 ·9790 Wortegem-Petegem, Belgium· 28 yrs active
Sector: Market research and public opinion polling
(73200)
Conclusion
FIN-CONSULT has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5.52M and a net result of €368k. Equity is growing by ~6.1% per year across the filed fiscal years. Its solvency ranks better than 94% of 6794 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Based on the State Gazette, CBE and 4 annual accounts.
Key figures
| Equity | €5.52M |
| Net result | €368k |
| Better than sector | 94% |
| Active | 28 yrs |
Financial profile
81
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
94
Profitability
33
Solvency
100
Growth
78
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Long-established
Founded in 1998, 28 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
94
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€500k
estimate, not credit advice
Score history
86
2022
100
2023
86
2024
94
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 12.44 (≥ 1.5)
+10
Quick ratio
Quick ratio 12.44 (≥ 1.0)
+5
Leverage
Debt/equity 0.05 (< 1.0)
+10
Profitability
ROE 7%
+3
Interest coverage
Interest coverage 54.3× (≥ 3×)
+8
Profit trend
Net profit up YoY
+5
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 23-03-2026 with the NBB · fiscal year 2025 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~6.1%/year over 4 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 73, Advertising, market research and public relations activities · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 95.0% | 54.7% | |
| Net result | €368k | €14k | |
| Equity | €5.52M | €61k | |
| Gross operating margin | €538k | €37k | |
| Total assets | €5.81M | €139k |
€534k
+29.8%
22-25
€368k
+29.0%
22-25
€430k
+26.3%
22-25
€5.81M
+8.0%
22-25
€5.52M
+7.1%
22-25
€3.21M
+0.6%
22-25
€130k
+31.0%
22-25
€254k
-
22-25
€289k
+27.0%
22-25
€281k
+23.6%
22-25
12.44
-17.4%
22-25
12.44
-17.4%
22-25
95.0%
-0.8%
22-25
0.05
+18.5%
22-25
6.7%
+20.4%
22-25
6.3%
+19.5%
22-25
54.28
-83.6%
22-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Deposit | micro schema | micro schema | abbreviated schema | abbreviated schema |
| Revenue | - | - | - | - |
| EBITDA | €534k | €411k | €520k | €274k |
| Net profit | €368k | €285k | €527k | €251k |
| Cash flow | €430k | €340k | €556k | €272k |
| Staff costs | - | - | - | - |
| Income taxes | €130k | €99k | €135k | €17k |
| Dividends | - | - | €254k | - |
| Total assets | €5.81M | €5.38M | €5.49M | €4.78M |
| Equity | €5.52M | €5.16M | €4.87M | €4.60M |
| Debt | €289k | €227k | €622k | €187k |
| of which ≤ 1y | €281k | €227k | €622k | €187k |
| of which > 1y | - | - | - | - |
| Working capital | €3.21M | €3.19M | €3.21M | €3.64M |
| Employees (FTE) | - | - | - | - |
Note: these years are not on the same basis. The filed schemas differ (micro schema, abbreviated schema), so the columns are not directly comparable.
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Current ratio | 12.44 | 15.06 | 6.17 | 20.45 |
| Quick ratio | 12.44 | 15.06 | 6.17 | 20.45 |
| Working capital ratio | 55.3% | 59.3% | 58.5% | 76.2% |
| Solvency | 95.0% | 95.8% | 88.7% | 96.1% |
| Debt / equity | 0.05 | 0.04 | 0.13 | 0.04 |
| Long-term debt ratio | - | - | - | - |
| Interest coverage | 54.28 | 330.05 | 410.61 | 56.31 |
| Gross margin | - | - | - | - |
| Net margin | - | - | - | - |
| ROA | 6.3% | 5.3% | 9.6% | 5.2% |
| ROE | 6.7% | 5.5% | 10.8% | 5.5% |
| EBITDA margin | - | - | - | - |
| Days sales outstanding | - | - | - | - |
| Days payable outstanding | - | - | - | - |
| Inventory turnover | - | - | - | - |
| Days inventory (DSI) | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (23 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet, Assets | |||||
| TOTAL ASSETS | 20/58 | €5.81M | €5.38M | €5.49M | €4.78M |
| Fixed assets | 21/28 | €2.32M | €1.96M | €1.66M | €953k |
| Tangible fixed assets | 22/27 | €1.76M | €1.40M | €1.10M | €303k |
| Financial fixed assets | 28 | €560k | €560k | €560k | €650k |
| Current assets | 29/58 | €3.49M | €3.42M | €3.84M | €3.83M |
| Amounts receivable within one year | 40/41 | €1.43M | €1.16M | €1.67M | €1.25M |
| Investments | 50/53 | €502k | €502k | €283k | €33k |
| Cash & bank | 54/58 | €1.51M | €1.66M | €1.74M | €2.41M |
| Balance sheet, Equity & liabilities | |||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €5.81M | €5.38M | €5.49M | €4.78M |
| Equity | 10/15 | €5.52M | €5.16M | €4.87M | €4.60M |
| Contributions / capital | 10/11 | €676k | €676k | €676k | €676k |
| Reserves | 13 | €4.85M | €4.48M | €4.19M | €3.92M |
| Amounts payable | 17/49 | €289k | €227k | €622k | €187k |
| Amounts payable within one year | 42/48 | €281k | €227k | €622k | €187k |
| Trade debts payable within one year | 44 | €396 | €12k | €100k | €47k |
| Income statement | |||||
| Gross operating margin | 9900 | €538k | €415k | €498k | €127k |
| Operating result | 9901 | €472k | €356k | €492k | €253k |
| Financial income | 75 | €36k | €29k | €172k | €20k |
| Financial charges | 65 | €10k | €1k | €1k | €5k |
| Result before taxes | 9903 | €498k | €384k | €662k | €268k |
| Income taxes | 67/77 | €130k | €99k | €135k | €17k |
| Net result for the period | 9904 | €368k | €285k | €527k | €251k |
| Result to be appropriated | 9905 | €368k | €285k | €527k | €251k |
Legal Structure
| NACE primary | Market research and public opinion polling(73200) |
| Legal form | Private limited company(610) |
| Incorporation | 25-02-1998 |
| Status | Active |
| Postal code | 9790 |
Establishment units
St. Martinusstraat (P.) 14, 9790 Wortegem-Petegem
since 19992.086.979.645
Real-estate footprint
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45039B0147/00K002 | Flanders | 1,530 m² | 1 · 178 m² | 12.9 m · 3 fl. |
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.
Updates
Next filing, fiscal year 2026, expected by
2026
23-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Liquidity doublescurrent ratio 15.06
Current ratio from 6.17 to 15.06; short-term debt falls from €622k to €227k.
30-09
Financial
Equity above €5MEq €5.16M ▲5.9%
3 profitable years in a row build equity to €5.16M.
20-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Highest result since 2022net €527k ▲110%
Operating result €492k, net result €527k, both a record.
29-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
06-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
06-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
03-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
02-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
09-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-04
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.
Belgian State Gazette reading coverage
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Market research and public opinion polling7320074131
Names & trade names
| Legal nameNL | FIN-CONSULT |
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