FINSCHI CORPORATE
ActiveSummary
FINSCHI CORPORATE has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €34k and a net result of €13k. Equity is growing by ~14.2% per year across the filed fiscal years. Its solvency ranks better than 71% of 866 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability95▲+47
Solvency84▼-15
Growth85▲+33
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 2.07 against 3.8 in 2024; short-term debt: 40.6% and cash: 12.2% of total assets), and 40.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
higher
← 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
59.4%
Return on assets
22.9%
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 11-07-2026, 20 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
20 d early
2024
293 d late
2023
57 d late
2022
51 d late
2021
4 d late
2020
30 d late
2019
31 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, full schema
Turnover
€135k▲ 308%
2024 · €33k
2024: €33k
2024 → 2025
EBIT margin
9.7%▲ 4.7pp
2024 · 5.0%
2024: 5.0%
2024 → 2025
Net result
€13k▲ 1,010%
2024 · €1k
2018: €13k
2019: €18k
2020: €27k
2021: €-33k
2022: €14k
2023: €-6k
2024: €1k
2018 → 2025
Working capital
€25k▲ 19.2%
2024 · €21k
2018: €-66k
2019: €-35k
2020: €6k
2021: €6k
2022: €20k
2023: €19k
2024: €21k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€33k€135k▲ 308%
Equity€12k-€25k▲ 115%€19k▼ 23.4%€21k▲ 6.0%€34k▲ 62.8%
Operating result€-32k-€14k€-6k€2k€13k▲ 691%
Net result€-33k-€14k€-6k€1k€13k▲ 1,010%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 691% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €57k
Fixed assets
€9k
Current assets
€48k
Equity and liabilities €57k
Equity
€34k ▲ 62.8%
Debt
€23k ▲ 212%
Debt's share of the balance-sheet total rises from 26.3% to 40.6%. Equity and debt are higher.
Key figures and ratios
Current ratio
2.07▼
2024 · 3.80
Debt to equity
0.68▲
2024 · 0.36
ROE
38.6%▲
2024 · 5.7%
ROA
22.9%▲
2024 · 4.2%
Debt ≤ 1 year
€23k▲
2024 · €7k
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 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€28k€57k▲
Fixed assets21/28-€9k
Financial fixed assets28-€9k
Current assets29/58€28k€48k▲
Amounts receivable within one year40/41€13k€37k▲
Trade receivables40€7k€30k▲
Other amounts receivable41€6k€7k▲
Cash at bank and in hand54/58€15k€7k▼
Deferred charges and accrued income490/1-€4k
Equity and liabilities
Total equity and liabilities10/49€28k€57k▲
Equity10/15€21k€34k▲
Contributions10/11€62k€62k=
Capital10-€62k
Issued capital100-€62k
Outside capital11€62k-
Other1109/19€62k-
Reserves13€936€936=
Non-distributable reserves130/1€936€936=
Legal reserve130€936€936=
Profit (loss) carried forward14€-42k€-29k▲
Amounts payable17/49€7k€23k▲
Amounts payable within one year42/48€7k€23k▲
Trade debts44€432€20k▲
Suppliers440/4€432€20k▲
Taxes, remuneration and social security45€7k€3k▼
Taxes450/3€7k€3k▼
Income statement
Code20242025
Turnover70€33k€135k▲
Goods, raw materials, services and sundry goods60/61€31k€120k▲
Other operating charges640/8€650€2k▲
Gross operating margin9900€2k€15k▲
Operating profit (loss)9901€2k€13k▲
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€481€88▼
Recurring financial charges65€481€88▼
Profit (loss) for the period before taxes9903€1k€13k▲
Profit (loss) for the period9904€1k€13k▲
Profit (loss) for the period to be appropriated9905€1k€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-42k€-29k▲
Profit (loss) brought forward from the previous period14P€-44k€-42k▲
The notes to these accounts (2 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
11-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
20-05
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 293 days late
2024
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 57 days late
2023
20-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 51 days late
2022
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
04-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 4 days late
2021
31-12
Financial
Weakest financial yearnet €-33k ▼223%
Net result drops to €-33k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Highest result since 2018net €27k ▲46.6%
Operating result €29k, net result €27k, both a record.
31-12
Financial
Liquidity times 7current ratio 2.74
Current ratio from 0.38 to 2.74; short-term debt falls from €56k to €4k.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
Show earlier events
2019
18-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 49 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 days late
2017
10-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 10 days late
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, Dilbeek · 1 establishment unit since 2004
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.
Hendrik Van den Eedestraat 301702 DilbeekGround area
8,429 m²
Building footprint
417 m²
Volume, LiDAR
2,130 m³
Parcel 23026A0047/00V000, Flanders · tallest building 9.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
FINSCHI CORPORATE
since 20042.134.430.758
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23026A0047/00V000 | Flanders | 8,429 m² | 1 · 417 m² | 9.5 m · 1 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.
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Of 12,604 companies in sector 49410 we hold annual accounts for 8,202. 5,656 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
Founded14-10-2003
Fiscal year end31-12
Activities, NACEBEL 2025
49410Freight transport by road
47811Retail sale of cars and light vans (up to 3.5 tonnes)
47812Retail trade
49420Removal services
56112Limited-service restaurants, excluding mobile food services
82300Organisation of conventions and trade shows
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.