Summary
Finea is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €168k and a net result of €115k. Equity is growing by ~53.6% per year across the filed fiscal years. Its solvency ranks better than 66% of 8048 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 · 4 filingsDeviation from the deadline
2025
3 d early
2024
14 d early
2023
on the day
2022
16 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€168k▼ 17.3%
2024 · €203k
2022: €3klowest in 4 years
2023: €82k▲ +2487% vs 2022
2024: €203k▲ +147% vs 2023highest in 4 years
2025: €168k▼ -17.3% vs 2024
2022 → 2025
Net result
€115k▼ 5.1%
2024 · €121k
2022: €2klowest in 4 years
2023: €79k▲ +3524% vs 2022
2024: €121k▲ +52.8% vs 2023highest in 4 years
2025: €115k▼ -5.1% vs 2024
2022 → 2025
Total assets
€241k▼ 10.2%
2024 · €268k
2022: €20klowest in 4 years
2023: €124k▲ +512% vs 2022
2024: €268k▲ +116% vs 2023highest in 4 years
2025: €241k▼ -10.2% vs 2024
2022 → 2025
Solvency
69.8%▼ 6.0pp
2024 · 75.8%
2022: 15.7%lowest in 4 years
2023: 66.2%▲ +322% vs 2022
2024: 75.8%▲ +14.5% vs 2023highest in 4 years
2025: 69.8%▼ -7.9% vs 2024
2022 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€3k-€82k▲ 2,487%€203k▲ 147%€168k▼ 17.3%
2022: €3klowest in 4 years
2023: €82k▲ +2487% vs 2022
2024: €203k▲ +147% vs 2023highest in 4 years
2025: €168k▼ -17.3% vs 2024
Operating result€3k-€102k▲ 3,334%€158k▲ 54.9%€151k▼ 4.6%
2022: €3klowest in 4 years
2023: €102k▲ +3334% vs 2022
2024: €158k▲ +54.9% vs 2023highest in 4 years
2025: €151k▼ -4.6% vs 2024
Net result€2k-€79k▲ 3,524%€121k▲ 52.8%€115k▼ 5.1%
2022: €2klowest in 4 years
2023: €79k▲ +3524% vs 2022
2024: €121k▲ +52.8% vs 2023highest in 4 years
2025: €115k▼ -5.1% vs 2024
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 falls in 2025; 2025 is 5% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €241k
Equity
€168k ▼ 17.3%
Debt
€73k ▲ 12.1%
Debt's share of the balance-sheet total rises from 24.2% to 30.2%. Equity is lower and debt is higher.
Key figures and ratios
ROE
68.2%▲
2024 · 59.5%
ROA
47.6%▲
2024 · 45.1%
Debt ≤ 1 year
€73k▲
2024 · €65k
Income taxes
€35k▼
2024 · €37k
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 · 35 lines
Balance sheet
Code20242025
Assets
Total assets20/58€268k€241k▼
Current assets29/58€268k€241k▼
Amounts receivable after more than one year29-€83k
Other amounts receivable291-€83k
Amounts receivable within one year40/41€21k€63k▲
Trade receivables40€21k€63k▲
Cash at bank and in hand54/58€245k€93k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€268k€241k▼
Equity10/15€203k€168k▼
Contributions10/11€1k€1k=
Profit (loss) carried forward14€202k€167k▼
Amounts payable17/49€65k€73k▲
Amounts payable within one year42/48€65k€73k▲
Trade debts44€3k€14k▲
Suppliers440/4€3k€14k▲
Taxes, remuneration and social security45€61k€55k▼
Taxes450/3€59k€53k▼
Remuneration and social security454/9€2k€2k▲
Other amounts payable47/48€566€4k▲
Income statement
Code20242025
Other operating charges640/8€152€2k▲
Gross operating margin9900€158k€152k▼
Operating profit (loss)9901€158k€151k▼
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€119€325▲
Recurring financial charges65€119€325▲
Profit (loss) for the period before taxes9903€158k€150k▼
Income taxes67/77€37k€35k▼
Profit (loss) for the period9904€121k€115k▼
Profit (loss) for the period to be appropriated9905€121k€115k▼
Appropriation of the result
Profit (loss) to be appropriated9906€202k€317k▲
Profit (loss) brought forward from the previous period14P€81k€202k▲
Profit to be distributed694/7-€150k
Return on contributions (dividend)694-€150k
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Other operating charges640/8 | - | €115 | €152 | €2k | ▲ 1,096% |
| Gross operating margin9900 | €3k | €102k | €158k | €152k | ▼ 3.6% |
| Operating profit (loss)9901 | €3k | €102k | €158k | €151k | ▼ 4.6% |
| Financial income75/76B | - | - | €0 | €0 | ▼ 100% |
| Recurring financial income75 | - | - | €0 | €0 | ▼ 100% |
| Financial charges65/66B | - | €13 | €119 | €325 | ▲ 173% |
| Recurring financial charges65 | - | €13 | €119 | €325 | ▲ 173% |
| Profit (loss) for the period before taxes9903 | €3k | €102k | €158k | €150k | ▼ 4.8% |
| Income taxes67/77 | €782 | €23k | €37k | €35k | ▼ 3.7% |
| Profit (loss) for the period9904 | €2k | €79k | €121k | €115k | ▼ 5.1% |
| Profit (loss) for the period to be appropriated9905 | €2k | €79k | €121k | €115k | ▼ 5.1% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €20k | €124k | €268k | €241k | ▼ 10.2% |
| Current assets29/58 | €20k | €124k | €268k | €241k | ▼ 10.2% |
| Amounts receivable after more than one year29 | - | - | - | €83k | - |
| Other amounts receivable291 | - | - | - | €83k | - |
| Amounts receivable within one year40/41 | €18k | €20k | €21k | €63k | ▲ 204% |
| Trade receivables40 | €18k | €20k | €21k | €63k | ▲ 204% |
| Cash at bank and in hand54/58 | €2k | €105k | €245k | €93k | ▼ 62.2% |
| Deferred charges and accrued income490/1 | - | - | €2k | €3k | ▲ 15.7% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €20k | €124k | €268k | €241k | ▼ 10.2% |
| Equity10/15 | €3k | €82k | €203k | €168k | ▼ 17.3% |
| Contributions10/11 | €1k | €1k | €1k | €1k | = |
| Profit (loss) carried forward14 | €2k | €81k | €202k | €167k | ▼ 17.4% |
| Amounts payable17/49 | €17k | €42k | €65k | €73k | ▲ 12.1% |
| Amounts payable within one year42/48 | €17k | €42k | €65k | €73k | ▲ 12.1% |
| Trade debts44 | €6k | €5k | €3k | €14k | ▲ 299% |
| Suppliers440/4 | €6k | €5k | €3k | €14k | ▲ 299% |
| Taxes, remuneration and social security45 | €7k | €36k | €61k | €55k | ▼ 9.1% |
| Taxes450/3 | €4k | €34k | €59k | €53k | ▼ 9.5% |
| Remuneration and social security454/9 | €3k | €2k | €2k | €2k | ▲ 0.8% |
| Other amounts payable47/48 | €4k | €729 | €566 | €4k | ▲ 560% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2k | €79k | €121k | €115k | ▼ 5.1% |
| Operating cash flow (approximation) | €2k | €79k | €121k | €115k | ▼ 5.1% |
| Change in cash | - | €102k | €141k | €-153k | ▼ 208% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
12-11
State Gazette act
General meeting · Director resignation
Director discharge · Director appointment
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2022net €121k ▲52.8%
Operating result €158k, net result €121k, both a record.
31-12
Financial
Equity above €200kEq €203k ▲147%
3 profitable years in a row build equity to €203k.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity doublescurrent ratio 2.96
Current ratio from 1.19 to 2.96.
16-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 16 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Schilde · 1 establishment unit since 2022
Ground area
2,207 m²
Building footprint
210 m²
Volume, LiDAR
1,488 m³
Parcel 11039A0198/00B000, Flanders · tallest building 16.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Finea
since 20222.338.120.068
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11039A0198/00B000 | Flanders | 2,207 m² | 1 · 210 m² | 16.1 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,768. 13,401 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded18-11-2022
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
82990Other business support services
Scores and ratios are computed by Checked and are not a credit decision.