FINALYSE
ActiveSummary
FINALYSE has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €221k and a net result of €543k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 12% of 3187 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▲+87
Solvency31▲+19
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity tight (current ratio 1.29 against 0.99 in 2024; short-term debt: 75.3% and cash: 0.6% of total assets), and 94.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Seven 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 · 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
5.9%
Return on assets
14.6%
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 12% of 3187 sector peers (2025).
NBB · sector comparisonPosition among 3187 sector peers
Solvency
better than 12%
← 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 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
37 d early
2023
6 d early
2022
67 d early
2021
61 d early
2020
32 d early
2019
31 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, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€543k
2024 · €-679k
2018: €88k
2019: €-219k
2020: €245k
2021: €130k
2022: €-463
2023: €-8k
2024: €-679k
2018 → 2025
Working capital
€818k
2024 · €-17k
2018: €500k
2019: €38k
2020: €413k
2021: €615k
2022: €759k
2023: €662k
2024: €-17k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€365k-€365k▼ 0.1%€357k▼ 2.2%€-322k€221k
Operating result€166k-€38k▼ 77.4%€45k▲ 19.8%€-680k€554k
Net result€130k-€-463€-8k▼ 1,603%€-679k▼ 8,507%€543k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €554k after a loss of €680k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.72M
Fixed assets
€101k ▼ 30.3%
Current assets
€3.62M ▲ 57.2%
Equity and liabilities €3.72M
Equity
€221k
Provisions
€50k
Debt
€3.45M
Debt finances 92.7% of the balance-sheet total.
Key figures and ratios
EBITDA
€599k▲
2024 · €-627k
Cash flow
€588k▲
2024 · €-626k
Current ratio
1.29▲
2024 · 0.99
Debt to equity
15.61▲
2024 · -8.60
ROE
245.8%
ROA
14.6%▲
2024 · -27.8%
Interest coverage
10.57▲
2024 · -9.25
Debt ≤ 1 year
€2.80M▲
2024 · €2.32M
Debt > 1 year
€50k▼
2024 · €85k
Income taxes
€2k▲
2024 · €-1k
Staff costs
€4.20M▲
2024 · €4.16M
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 · 56 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.45M€3.72M▲
Fixed assets21/28€145k€101k▼
Tangible fixed assets22/27€142k€98k▼
Furniture and vehicles24€14k€4k▼
Other tangible fixed assets26€128k€94k▼
Financial fixed assets28€3k€3k=
Current assets29/58€2.30M€3.62M▲
Amounts receivable after more than one year29€760k€1.58M▲
Other amounts receivable291€760k€1.58M▲
Amounts receivable within one year40/41€1.49M€1.93M▲
Trade receivables40€1.49M€1.93M▲
Cash at bank and in hand54/58€14k€21k▲
Deferred charges and accrued income490/1€32k€82k▲
Equity and liabilities
Total equity and liabilities10/49€2.45M€3.72M▲
Equity10/15€-322k€221k▲
Contributions10/11€280k€280k=
Capital10€280k€280k=
Issued capital100€280k€280k=
Reserves13€28k€28k=
Non-distributable reserves130/1€28k€28k=
Legal reserve130€28k€28k=
Profit (loss) carried forward14€-630k€-87k▲
Provisions and deferred taxes16-€50k
Provisions for liabilities and charges160/5-€50k
Other liabilities and charges164/5-€50k
Amounts payable17/49€2.77M€3.45M▲
Amounts payable after more than one year17€85k€50k▼
Financial debts170/4€85k€50k▼
Amounts payable within one year42/48€2.32M€2.80M▲
Current portion of amounts payable after more than one year42€268k€327k▲
Financial debts43€535k€375k▼
Credit institutions430/8€535k€375k▼
Trade debts44€617k€1.38M▲
Suppliers440/4€617k€1.38M▲
Taxes, remuneration and social security45€897k€721k▼
Taxes450/3€167k€77k▼
Remuneration and social security454/9€730k€644k▼
Accrued charges and deferred income492/3€365k€598k▲
Income statement
Code20242025
Remuneration, social security and pensions62€4.16M€4.20M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€53k€45k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8-€50k
Other operating charges640/8€50k€27k▼
Gross operating margin9900€3.58M€4.87M▲
Operating profit (loss)9901€-680k€554k▲
Financial income75/76B€67k€47k▼
Recurring financial income75€67k€47k▼
Financial charges65/66B€68k€57k▼
Recurring financial charges65€68k€57k▼
Profit (loss) for the period before taxes9903€-680k€544k▲
Income taxes67/77€-1k€2k▲
Profit (loss) for the period9904€-679k€543k▲
Profit (loss) for the period to be appropriated9905€-679k€543k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-679k€-87k▲
Profit (loss) brought forward from the previous period14P-€-630k
Transfer from equity791/2€49k-
Social balance
Average headcount (FTE)908750.652.9▲
The notes to these accounts (14 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Back to profitnet €543k
Net result €543k after 3 loss-making years.
31-12
Financial
Equity above €200kEq €221k
Equity rises from €-322k to €221k.
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €-679k
Net result drops to €-679k, the lowest in the series; recovery starts the following year.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
25-05
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €245k
Net result €245k after one loss-making year.
31-12
Financial
Equity above €200kEq €236k
Equity rises from €-9k to €236k.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
Show earlier events
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
11 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, Sint-Joost-ten-Node · 1 establishment unit since 2002
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.
Kunstlaan 91210 Sint-Joost-ten-NodeGround area
1,978 m²
Building footprint
1,248 m²
Volume, LiDAR
35,787 m³
Parcel 21572B0357/00M000, Brussels · tallest building 42.2 m, ±12 floors. Linked by address, not a title deed.
1 establishment unit
FINALYSE
since 20022.099.156.610
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21572B0357/00M000 | Brussels | 1,978 m² | 1 · 1,248 m² | 42.2 m · 12 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Legal Entity Identifier
549300FBCAFN8FUJXJ38
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CANICULE
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 39,434 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 formPublic limited company
Founded19-06-2002
Fiscal year end31-12
Activities, NACEBEL 2025
66199Other activities auxiliary to financial services, excluding insurance and pension funding
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.