FinCoPro
ActiveSummary
FinCoPro has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.09M and a net result of €290k. Equity is growing by ~10.5% per year across the filed fiscal years. Its solvency ranks better than 88% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
99
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability99▲+16
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100k at 30 days acceptable
Liquidity ample (current ratio 5.14 against 4.62 in 2024; short-term debt: 9.9% and cash: 37.5% of total assets), and 10% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers 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
90%
Return on assets
24%
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-08-2026, 5 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
5 d late
2024
7 d late
2023
23 d early
2022
24 d early
2021
34 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, micro schema
Equity
€1.09M▼ 25.4%
2024 · €1.46M
2018: €717k
2019: €874k
2020: €1.10M
2021: €1.04M
2022: €1.17M
2023: €1.42M
2024: €1.46M
2018 → 2025
Total assets
€1.21M▼ 29.6%
2024 · €1.72M
2018: €832k
2019: €974k
2020: €1.25M
2021: €1.22M
2022: €1.31M
2023: €1.54M
2024: €1.72M
2018 → 2025
Net result
€290k▲ 51.1%
2024 · €192k
2018: €75k
2019: €157k
2020: €224k
2021: €224k
2022: €222k
2023: €249k
2024: €192k
2018 → 2025
Working capital
€495k▼ 43.4%
2024 · €875k
2018: €488k
2019: €632k
2020: €788k
2021: €799k
2022: €933k
2023: €829k
2024: €875k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.04M-€1.17M▲ 12.7%€1.42M▲ 21.2%€1.46M▲ 2.8%€1.09M▼ 25.4%
Operating result€314k-€313k▼ 0.3%€347k▲ 11.1%€250k▼ 28.1%€416k▲ 66.6%
Net result€224k-€222k▼ 1.2%€249k▲ 12.2%€192k▼ 22.8%€290k▲ 51.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 67% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.21M
Fixed assets
€596k ▼ 1.3%
Current assets
€615k ▼ 44.9%
Equity and liabilities €1.21M
Equity
€1.09M ▼ 25.4%
Debt
€121k ▼ 53.4%
Debt's share of the balance-sheet total falls from 15.1% to 10.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€426k▲
2024 · €261k
Cash flow
€300k▲
2024 · €204k
Current ratio
5.14▲
2024 · 4.62
Debt to equity
0.11▼
2024 · 0.18
ROE
26.7%▲
2024 · 13.2%
ROA
24.0%▲
2024 · 11.2%
Interest coverage
175.13▲
2024 · 84.94
Debt ≤ 1 year
€120k▼
2024 · €242k
Income taxes
€140k▲
2024 · €88k
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 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.72M€1.21M▼
Fixed assets21/28€603k€596k▼
Tangible fixed assets22/27€252k€245k▼
Land and buildings22€202k€202k=
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€463€1k▲
Other tangible fixed assets26€46k€38k▼
Financial fixed assets28€351k€351k=
Current assets29/58€1.12M€615k▼
Amounts receivable within one year40/41€390k€156k▼
Trade receivables40€51k€83k▲
Other amounts receivable41€339k€72k▼
Current investments50/53€300k-
Cash at bank and in hand54/58€419k€454k▲
Deferred charges and accrued income490/1€8k€5k▼
Equity and liabilities
Total equity and liabilities10/49€1.72M€1.21M▼
Equity10/15€1.46M€1.09M▼
Contributions10/11€12k€12k=
Reserves13€1.45M€1.08M▼
Distributable reserves133€1.45M€1.08M▼
Amounts payable17/49€260k€121k▼
Amounts payable after more than one year17€15k-
Financial debts170/4€15k-
Amounts payable within one year42/48€242k€120k▼
Current portion of amounts payable after more than one year42€15k€15k▲
Trade debts44€1k€5k▲
Suppliers440/4€1k€5k▲
Taxes, remuneration and social security45€73k€100k▲
Taxes450/3€66k€100k▲
Remuneration and social security454/9€7k-
Other amounts payable47/48€153k-
Accrued charges and deferred income492/3€3k€1k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€10k▼
Other operating charges640/8€3k€4k▲
Non-recurring operating charges66A€13k-
Gross operating margin9900€276k€430k▲
Operating profit (loss)9901€250k€416k▲
Financial income75/76B€34k€18k▼
Recurring financial income75€34k€18k▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€281k€431k▲
Income taxes67/77€88k€140k▲
Profit (loss) for the period9904€192k€290k▲
Profit (loss) for the period to be appropriated9905€192k€290k▲
Appropriation of the result
Profit (loss) to be appropriated9906€192k€290k▲
Transfer from equity791/2€152k€662k▲
Transfer to equity691/2€192k€290k▲
To other reserves6921€192k€290k▲
Profit to be distributed694/7€152k€662k▲
Return on contributions (dividend)694€152k€662k▲
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
05-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 5 days late
2025
31-12
Financial
Highest result since 2018net €290k ▲51.1%
Operating result €416k, net result €290k, both a record.
07-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 7 days late
20-05
State Gazette act
Board meeting · Director appointment
Permanent representative
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-07
State Gazette act
General meeting · Director resignation
Permanent representative · Director reappointment
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €1MEq €1.10M ▲25.7%
3 profitable years in a row build equity to €1.10M.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
07-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
Show earlier events
2018
08-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
08-12
State Gazette act
General meeting · Director reappointment
Mandate compensation · Auditor reappointment
20-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2013
06-05
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
2011
29-06
State Gazette act
General meeting · Director reappointment
Permanent representative · Director appointment
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Leuven · 1 establishment unit since 2008
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.
Alfons Stesselstraat 73012 LeuvenGround area
1,699 m²
Building footprint
143 m²
Volume, LiDAR
782 m³
Parcel 24126D0439/00A000, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FinCoPro
since 20082.168.365.615
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24126D0439/00A000 | Flanders | 1,699 m² | 1 · 143 m² | 8.0 m · 2 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.
Structure & network
Recognitions · licences · registrations
Legal Entity Identifier
6488YU0546FKWJ31D164
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VAN STEENWEGHEN
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CABRU
BE 0819.001.088
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F & L MANAGEMENT
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 26,894 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
Founded25-01-2008
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
62200Computer consultancy and computer facilities management
64210Activities of holding companies
66199Other activities auxiliary to financial services, excluding insurance and pension funding
69209Other tax advisory services
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.