FINTA CONSTRUCT
ActiveThe computed 12-month bankruptcy probability of FINTA CONSTRUCT is 3.5% (moderate). The 2025 annual accounts show equity of €82k and a net result of €19k. Equity is growing by ~28.6% per year across the filed fiscal years. Its solvency ranks better than 32% of 27450 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▼-22
Solvency56▲+9
Growth71=
Track record100
Bankruptcy probability, 12 months
3.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity tight (current ratio 1.28 against 1.05 in 2024; short-term debt: 68.9% and cash: 55.1% of total assets), and 68.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
31.1%
Return on assets
7.3%
Age of the figures
16 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-05-2025 was due by 31-12-2025 and was filed on 28-11-2025, 33 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
33 d early
2024
20 d early
2023
12 d early
2022
36 d early
2021
51 d early
2020
43 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-05-2026 and is due by 31-12-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-05-2026 close16-09-2026 today31-12-2026 deadline
Financials · fiscal year 2025, micro schema
Turnover
€491k▲ 7.8%
2021 · €455k
2020: €429k
2021: €455k
2020 → 2022
EBIT margin
11.3%▲ 1.1pp
2021 · 10.2%
2020: 3.5%
2021: 10.2%
2020 → 2022
Net result
€19k▼ 79.8%
2024 · €95k
2020: €6k
2021: €40k
2022: €44k
2023: €96k
2024: €95k
2020 → 2025
Working capital
€52k▲ 413%
2024 · €10k
2020: €-6k
2021: €3k
2022: €693
2023: €72k
2024: €10k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€455k-€491k▲ 7.8%
Equity€24k-€35k▲ 44.3%€90k▲ 160%€63k▼ 30.3%€82k▲ 30.6%
Operating result€47k-€56k▲ 19.3%€114k▲ 105%€114k▲ 0.2%€34k▼ 70.6%
Net result€40k-€44k▲ 10.3%€96k▲ 119%€95k▼ 0.3%€19k▼ 79.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 71% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €264k
Fixed assets
€30k▼ 42.4%
Current assets
€234k▲ 0.8%
Equity and liabilities €264k
Equity
€82k▲ 30.6%
Debt
€182k▼ 18.0%
The debt ratio falls from 77.9% to 68.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€56k▼
2024 · €138k
Cash flow
€41k▼
2024 · €119k
Solvency
31.1%▲
2024 · 22.1%
Current ratio
1.28▲
2024 · 1.05
Quick ratio
1.28▲
2024 · 1.05
Debt / equity
2.21▼
2024 · 3.53
ROE
23.4%▼
2024 · 151.4%
ROA
7.3%▼
2024 · 33.4%
Interest coverage
11.08▼
2024 · 151.84
Debt
€182k▼
2024 · €222k
Debt ≤ 1 year
€182k▼
2024 · €222k
Income taxes
€9k▼
2024 · €18k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€285k€264k▼
Fixed assets21/28€53k€30k▼
Tangible fixed assets22/27€53k€30k▼
Plant, machinery and equipment23€0-
Furniture and vehicles24€53k€30k▼
Financial fixed assets28-€325
Current assets29/58€232k€234k▲
Amounts receivable within one year40/41€62k€88k▲
Trade receivables40€47k€85k▲
Other amounts receivable41€14k€3k▼
Cash at bank and in hand54/58€170k€145k▼
Deferred charges and accrued income490/1€459€592▲
Equity and liabilities
Total equity and liabilities10/49€285k€264k▼
Equity10/15€63k€82k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€44k€64k▲
Amounts payable17/49€222k€182k▼
Amounts payable within one year42/48€222k€182k▼
Trade debts44€38k€60k▲
Suppliers440/4€38k€60k▲
Taxes, remuneration and social security45€34k-
Taxes450/3€34k-
Remuneration and social security454/9€0-
Other amounts payable47/48€151k€122k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€22k▼
Other operating charges640/8€5k€2k▼
Non-recurring operating charges66A-€481
Gross operating margin9900€143k€58k▼
Operating profit (loss)9901€114k€34k▼
Financial income75/76B€246€68▼
Recurring financial income75€246€68▼
Financial charges65/66B€907€5k▲
Recurring financial charges65€907€5k▲
Profit (loss) for the period before taxes9903€114k€29k▼
Income taxes67/77€18k€9k▼
Profit (loss) for the period9904€95k€19k▼
Profit (loss) for the period to be appropriated9905€95k€19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€179k€64k▼
Profit (loss) brought forward from the previous period14P€84k€44k▼
Profit to be distributed694/7€135k-
Return on contributions (dividend)694€100k-
Directors or managers695€35k-
The notes to these accounts (8 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
2025
28-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
11-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
19-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-05
Financial
Highest result since 2020net €96k ▲119%
Net result €96k, the highest in the series.
2022
25-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
10-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
18-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Anderlecht · 1 establishment unit since 2018
Ground area
118 m²
Parcel 21305B0223/00Z006, Brussels. Linked by address, not a title deed.
1 establishment unit
Finta Construct
since 20182.280.849.981
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21305B0223/00Z006 | Brussels | 118 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.
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Of 15,543 companies in sector 43990 we hold annual accounts for 7,421. 6,244 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-10-2018
Fiscal year end31-05
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
43350Other building finishing work
43995Specialised construction activities
81210General cleaning of buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.