FINTERIA
ActiveSummary
FINTERIA has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €111k and a net result of €8k. Equity is growing by ~3.8% per year across the filed fiscal years. Its solvency ranks better than 14% of 2008 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▼-3
Solvency33▼-12
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity short (current ratio 0.97 against 0.99 in 2024; short-term debt: 9.2% and cash: 0.8% of total assets), and 91.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
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
8.4%
Return on assets
0.6%
Age of the figures
12 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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 2008 sector peers (2025).
NBB · sector comparisonPosition among 2008 sector peers
Solvency
better than 14%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 19-03-2026, 42 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
42 d early
2024
34 d early
2023
28 d early
2022
9 d early
2021
39 d early
2020
43 d early
2019
16 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€111k▲ 6.6%
2024 · €104k
2018: €83k
2019: €86k
2020: €149k
2021: €200k
2022: €92k
2023: €90k
2024: €104k
2018 → 2025
Total assets
€1.32M▲ 158%
2024 · €512k
2018: €523k
2019: €536k
2020: €546k
2021: €572k
2022: €567k
2023: €558k
2024: €512k
2018 → 2025
Net result
€8k▼ 46.3%
2024 · €14k
2018: €22k
2019: €3k
2020: €63k
2021: €51k
2022: €30k
2023: €-2k
2024: €14k
2018 → 2025
Working capital
€-4k▼ 199%
2024 · €-1k
2018: €65k
2019: €65k
2020: €134k
2021: €196k
2022: €43k
2023: €122k
2024: €-1k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€200k-€92k▼ 53.8%€90k▼ 2.2%€104k▲ 15.6%€111k▲ 6.6%
Operating result€76k-€50k▼ 33.9%€18k▼ 64.3%€47k▲ 165%€42k▼ 12.1%
Net result€51k-€30k▼ 41.9%€-2k€14k€8k▼ 46.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 12% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.32M
Fixed assets
€1.21M ▲ 211%
Current assets
€117k ▼ 5.6%
Equity and liabilities €1.32M
Equity
€111k ▲ 6.6%
Debt
€1.21M ▲ 197%
Debt's share of the balance-sheet total rises from 79.6% to 91.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€137k▼
2024 · €140k
Cash flow
€103k▼
2024 · €106k
Current ratio
0.97▼
2024 · 0.99
Debt to equity
10.90▲
2024 · 3.91
ROE
6.8%▼
2024 · 13.5%
ROA
0.6%▼
2024 · 2.7%
Interest coverage
7.33▼
2024 · 9.37
Debt ≤ 1 year
€121k▼
2024 · €126k
Debt > 1 year
€1.09M▲
2024 · €259k
Income taxes
€15k▼
2024 · €18k
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€512k€1.32M▲
Fixed assets21/28€388k€1.21M▲
Tangible fixed assets22/27€388k€1.21M▲
Land and buildings22-€876k
Plant, machinery and equipment23€9k€6k▼
Furniture and vehicles24€186k€159k▼
Other tangible fixed assets26€193k€164k▼
Current assets29/58€124k€117k▼
Amounts receivable within one year40/41€25k€105k▲
Trade receivables40€25k€105k▲
Cash at bank and in hand54/58€74k€10k▼
Deferred charges and accrued income490/1€25k€2k▼
Equity and liabilities
Total equity and liabilities10/49€512k€1.32M▲
Equity10/15€104k€111k▲
Contributions10/11€37k€37k=
Reserves13€67k€74k▲
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Distributable reserves133€63k€70k▲
Amounts payable17/49€408k€1.21M▲
Amounts payable after more than one year17€259k€1.09M▲
Financial debts170/4€257k€1.09M▲
Other amounts payable178/9€2k€2k=
Amounts payable within one year42/48€126k€121k▼
Current portion of amounts payable after more than one year42€67k€61k▼
Trade debts44€14k€22k▲
Suppliers440/4€14k€22k▲
Taxes, remuneration and social security45€21k€18k▼
Taxes450/3€21k€18k▼
Other amounts payable47/48€23k€21k▼
Accrued charges and deferred income492/3€23k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€2k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€92k€95k▲
Other operating charges640/8€13k€7k▼
Gross operating margin9900€155k€144k▼
Operating profit (loss)9901€47k€42k▼
Financial charges65/66B€15k€19k▲
Recurring financial charges65€15k€19k▲
Profit (loss) for the period before taxes9903€33k€23k▼
Income taxes67/77€18k€15k▼
Profit (loss) for the period9904€14k€8k▼
Profit (loss) for the period to be appropriated9905€14k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€12k€8k▼
Profit (loss) brought forward from the previous period14P€-2k-
Transfer to equity691/2€12k€8k▼
To other reserves6921€12k€8k▼
The notes to these accounts (14 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
19-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
27-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
30-09
Financial
Equity above €100kEq €104k ▲15.6%
Equity rises from €90k to €104k.
02-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Weakest financial yearnet €-2k ▼107%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
21-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
22-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Equity above €150kEq €200k ▲34.3%
4 profitable years in a row build equity to €200k.
18-03
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial
Highest result since 2018net €63k ▲1941%
Operating result €92k, net result €63k, both a record.
30-09
Financial
Equity above €100kEq €149k ▲73.4%
3 profitable years in a row build equity to €149k.
Show earlier events
14-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
15-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Schilde · 1 establishment unit since 2013
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.
Schildewandelpad 12970 SchildeGround area
7,318 m²
Building footprint
408 m²
Volume, LiDAR
885 m³
Parcel 11041B0115/00L002, Flanders · tallest building 12.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Finteria
since 20132.223.657.197
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11041B0115/00L002 | Flanders | 7,318 m² | 1 · 408 m² | 12.7 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.
Similar companies · same sector, comparable size
EIGHTYONE
BE 0500.800.112
Gent · Eq €111,151
ANPHI INTERIEURBURO
BE 0456.774.681
Tielt · Eq €111,119
PVIA
BE 0665.964.188
Knokke-Heist · Eq €111,027
Vivaldi Projects
BE 0840.432.942
Kontich · Eq €111,515
SABINE DUJARDIN
BE 0821.419.853
Kortrijk · Eq €111,974
Of 3,920 companies in sector 71112 we hold annual accounts for 1,295. 1,046 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
Founded22-07-2013
Fiscal year end30-09
Activities, NACEBEL 2025
71112Activities of interior architects
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.