FINEST DIGITAL AGENCY
ActiveSummary
FINEST DIGITAL AGENCY has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €97k and a net result of €39k. Equity is growing by ~7.3% per year across the filed fiscal years. Its solvency ranks better than 59% of 7029 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+19
Solvency90▼-5
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 2.81 against 3.53 in 2024; short-term debt: 35.1% and cash: 67.7% of total assets), and 35.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
64.9%
Return on assets
25.7%
Age of the figures
9 mo
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 26-05-2026, 66 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
66 d early
2024
34 d early
2023
29 d late
2022
29 d late
2021
26 d late
2020
31 d late
2019
89 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, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€39k▲ 201%
2024 · €13k
2018: €24k
2019: €13k
2020: €30k
2021: €11k
2022: €13k
2023: €13k
2024: €13k
2018 → 2025
Working capital
€95k▲ 4.4%
2024 · €91k
2018: €60k
2019: €84k
2020: €125k
2021: €98k
2022: €113k
2023: €108k
2024: €91k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€100k-€113k▲ 12.9%€108k▼ 4.1%€91k▼ 15.9%€97k▲ 6.8%
Operating result€17k-€18k▲ 4.6%€17k▼ 1.8%€17k▼ 4.8%€50k▲ 200%
Net result€11k-€13k▲ 16.4%€13k▲ 0.4%€13k▼ 1.2%€39k▲ 201%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 200% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €150k
Fixed assets
€2k ▼ 32.6%
Current assets
€148k ▲ 16.2%
Equity and liabilities €150k
Equity
€97k ▲ 6.8%
Debt
€53k ▲ 34.3%
Debt's share of the balance-sheet total rises from 30.1% to 35.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€51k▲
2024 · €18k
Cash flow
€40k▲
2024 · €15k
Current ratio
2.81▼
2024 · 3.53
Debt to equity
0.54▲
2024 · 0.43
ROE
39.6%▲
2024 · 14.0%
ROA
25.7%▲
2024 · 9.8%
Interest coverage
27.74▼
2024 · 104.73
Debt ≤ 1 year
€53k▲
2024 · €36k
Income taxes
€11k▲
2024 · €5k
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€130k€150k▲
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€3k€2k▼
Furniture and vehicles24€3k€2k▼
Other tangible fixed assets26€460€220▼
Current assets29/58€127k€148k▲
Amounts receivable after more than one year29€22k€15k▼
Other amounts receivable291€22k€15k▼
Amounts receivable within one year40/41€32k€13k▼
Trade receivables40€15k€10k▼
Other amounts receivable41€17k€3k▼
Current investments50/53€15k€17k▲
Cash at bank and in hand54/58€59k€102k▲
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€130k€150k▲
Equity10/15€91k€97k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€71k€77k▲
Amounts payable17/49€39k€53k▲
Amounts payable after more than one year17€3k-
Other amounts payable178/9€3k-
Amounts payable within one year42/48€36k€53k▲
Trade debts44€1k€1k▲
Suppliers440/4€1k€1k▲
Taxes, remuneration and social security45€5k€4k▼
Taxes450/3€4k€4k▲
Remuneration and social security454/9€1k-
Other amounts payable47/48€30k€47k▲
Accrued charges and deferred income492/3-€4
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€1k€855▼
Gross operating margin9900€20k€52k▲
Operating profit (loss)9901€17k€50k▲
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€175€2k▲
Recurring financial charges65€175€2k▲
Profit (loss) for the period before taxes9903€17k€50k▲
Income taxes67/77€5k€11k▲
Profit (loss) for the period9904€13k€39k▲
Profit (loss) for the period to be appropriated9905€13k€39k▲
Appropriation of the result
Profit (loss) to be appropriated9906€101k€109k▲
Profit (loss) brought forward from the previous period14P€88k€71k▼
Profit to be distributed694/7€30k€32k▲
Return on contributions (dividend)694€30k€32k▲
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
26-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €39k ▲201%
Operating result €50k, net result €39k, both a record.
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-12
Financial
Weakest financial yearnet €11k ▼62.7%
Net result drops to €11k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €100k ▲12.5%
4 profitable years in a row build equity to €100k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 89 days late
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Ecaussinnes · 1 establishment unit since 2017
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.
Rue de Courrière-lez-Ville 16/A7190 EcaussinnesGround area
1,169 m²
Building footprint
155 m²
Parcel 55024C0448/00E000, Wallonia. Linked by address, not a title deed.
1 establishment unit
FINEST DIGITAL AGENCY
since 20172.263.192.914
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55024C0448/00E000 | Wallonia | 1,169 m² | 1 · 155 m² | - |
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.
Recognitions · licences · registrations
Legal Entity Identifier
98450059475355CC5078
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Of 9,860 companies in sector 73110 we hold annual accounts for 3,753. 3,021 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
Founded16-03-2017
Fiscal year end31-12
Activities, NACEBEL 2025
73110Advertising agencies
63910Web portal activities
68201Renting and operating of own or leased residential real estate, excluding social housing
73200Market research and public opinion polling
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.