FINCONS BE
ActiveSummary
FINCONS BE has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €353k and a net result of €238k. Equity is growing by ~143.9% per year across the filed fiscal years. Its solvency ranks better than 22% of 2692 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+1
Solvency37▲+3
Growth78=
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity tight (current ratio 1.42 against 2.01 in 2024; short-term debt: 70.5% and cash: 28.9% of total assets), and 87.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← 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
12.2%
Return on assets
8.2%
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 22% of 2692 sector peers (2025).
NBB · sector comparisonPosition among 2692 sector peers
Solvency
better than 22%
← 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 28-07-2026, 3 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
3 d early
2024
13 d early
2023
26 d late
← 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, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€238k▲ 154%
2024 · €94k
2023: €12k
2024: €94k
2023 → 2025
Working capital
€849k▲ 38.9%
2024 · €611k
2023: €417k
2024: €611k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€22k-€115k▲ 435%€353k▲ 207%
Operating result€26k-€143k▲ 459%€336k▲ 135%
Net result€12k-€94k▲ 713%€238k▲ 154%
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 135% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.89M
Fixed assets
€4k ▼ 4.2%
Current assets
€2.88M ▲ 137%
Equity and liabilities €2.89M
Equity
€353k ▲ 207%
Debt
€2.54M ▲ 129%
Debt's share of the balance-sheet total falls from 90.6% to 87.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€337k▲
2024 · €144k
Cash flow
€238k▲
2024 · €94k
Current ratio
1.42▼
2024 · 2.01
Quick ratio
0.72▼
2024 · 1.43
Debt to equity
7.18▼
2024 · 9.62
ROE
67.4%▼
2024 · 81.3%
ROA
8.2%▲
2024 · 7.7%
Interest coverage
24.60▲
2024 · 12.55
Debt ≤ 1 year
€2.04M▲
2024 · €607k
Debt > 1 year
€500k=
2024 · €500k
Income taxes
€85k▲
2024 · €38k
Staff costs
€313k▲
2024 · €296k
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 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.22M€2.89M▲
Fixed assets21/28€4k€4k▼
Tangible fixed assets22/27€569€389▼
Plant, machinery and equipment23€569€389▼
Financial fixed assets28€4k€4k=
Current assets29/58€1.22M€2.88M▲
Stocks and contracts in progress3€348k€1.41M▲
Contracts in progress37€348k€1.41M▲
Amounts receivable within one year40/41€698k€638k▼
Trade receivables40€114k€475k▲
Other amounts receivable41€584k€162k▼
Cash at bank and in hand54/58€172k€834k▲
Equity and liabilities
Total equity and liabilities10/49€1.22M€2.89M▲
Equity10/15€115k€353k▲
Contributions10/11€10k€10k=
Profit (loss) carried forward14€105k€343k▲
Amounts payable17/49€1.11M€2.54M▲
Amounts payable after more than one year17€500k€500k=
Financial debts170/4€500k€500k=
Amounts payable within one year42/48€607k€2.04M▲
Trade debts44€338k€1.71M▲
Suppliers440/4€338k€1.71M▲
Taxes, remuneration and social security45€104k€16k▼
Taxes450/3€38k€5k▼
Remuneration and social security454/9€66k€11k▼
Other amounts payable47/48€166k€314k▲
Income statement
Code20242025
Remuneration, social security and pensions62€296k€313k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€180€180=
Gross operating margin9900€439k€650k▲
Operating profit (loss)9901€143k€336k▲
Financial charges65/66B€11k€14k▲
Recurring financial charges65€11k€14k▲
Profit (loss) for the period before taxes9903€132k€323k▲
Income taxes67/77€38k€85k▲
Profit (loss) for the period9904€94k€238k▲
Profit (loss) for the period to be appropriated9905€94k€238k▲
Appropriation of the result
Profit (loss) to be appropriated9906€105k€343k▲
Profit (loss) brought forward from the previous period14P€12k€105k▲
Social balance
Average headcount (FTE)90872.7-
The notes to these accounts (7 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
18-09
State Gazette act
Resignation: CAMMAROTA Franco Roberto (director)5 facts ▸
State Gazette act
Resignation: CAMMAROTA Franco Roberto (director)
5 facts ▸
- General meeting, 10-07-2026
- Director resignation, CAMMAROTA Franco Roberto (director)
- Board composition, Moretti Francesco (director)
- Board composition, Moretti Michele (director)
- Board composition, Pierard Marie -Luce (director)
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2023net €238k ▲154%
Operating result €336k, net result €238k, both a record.
31-12
Financial
Equity above €200kEq €353k ▲207%
3 profitable years in a row build equity to €353k.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Equity above €100kEq €115k ▲435%
2 profitable years in a row build equity to €115k.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 26 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 3 acts read
About the unread acts
Of the 3 Belgian State Gazette acts we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
no sitting director, last change in 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
06-12-2025
Resigned as Director
Not every act has been read: a resignation may be missing here
2 of this company's 3 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Brussel · 1 establishment unit since 2022
Ground area
2,159 m²
Building footprint
2,113 m²
Volume, LiDAR
79,173 m³
Parcel 21808H1372/00K000, Brussels · tallest building 88.8 m, ±7 floors. Linked by address, not a title deed.
181
companies at this address
See who is registered here
1 establishment unit
FINCONS BE
since 20222.335.401.395
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21808H1372/00K000 | Brussels | 2,159 m² | 1 · 2,113 m² | 88.8 m · 7 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.
Public money · subsidies and aid
European Union, budget
2025 · 29 entries · 11,036,929 EUR in total| Year | Entries | awarded |
|---|---|---|
| 2025 | 29 | 11,036,929 EUR |
Projects
SOFTWARE DEVELOPMENT
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Of 3,211 companies in sector 62900 we hold annual accounts for 1,741. 1,207 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
Founded27-07-2022
Fiscal year end31-12
Activities, NACEBEL 2025
62900Other information technology and computer services
63920Other information service activities
46500Wholesale of information and communication equipment
47120Other non-specialised retail sale
62200Computer consultancy and computer facilities management
63100Computing infrastructure, data processing, hosting and related activities
63910Web portal activities
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 1 actNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:franco.cammarota@finconsgroup.com