FINUM HOLDING
ActiveFINUM HOLDING 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 €913k and a net result of €125k. Equity is growing by ~22.4% per year across the filed fiscal years. Its solvency ranks better than 53% of 12617 sector peers (fiscal year 2025). The company has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. 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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
13 d late
2023
20 d late
2022
63 d late
2021
18 d late
2020
31 d late
2019
31 d late
← before the deadline
after the deadline →
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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€913k▲ 15.8%
2024 · €789k
2018: €324k
2019: €141k
2020: €392k
2021: €375k
2022: €486k
2023: €591k
2024: €789k
2018 → 2025
Net result
€125k▼ 37.1%
2024 · €198k
2018: €53k
2019: €-283k
2020: €251k
2021: €-17k
2022: €112k
2023: €105k
2024: €198k
2018 → 2025
Total assets
€1.55M▲ 21.7%
2024 · €1.27M
2018: €1.28M
2019: €1.01M
2020: €1.01M
2021: €743k
2022: €703k
2023: €1.06M
2024: €1.27M
2018 → 2025
Solvency
59.0%▼ 3.0pp
2024 · 62.1%
2018: 25.3%
2019: 13.9%
2020: 38.9%
2021: 50.4%
2022: 69.2%
2023: 55.5%
2024: 62.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€375k-€486k▲ 29.8%€591k▲ 21.5%€789k▲ 33.5%€913k▲ 15.8%
Operating result€22k-€96k▲ 335%€164k▲ 69.9%€170k▲ 3.6%€177k▲ 4.6%
Net result€-17k-€112k€105k▼ 6.4%€198k▲ 89.3%€125k▼ 37.1%
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 has risen four years in a row; 2025 is 5% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.55M
Fixed assets
€1.07M▼ 1.6%
Current assets
€481k▲ 157%
Equity and liabilities €1.55M
Equity
€913k▲ 15.8%
Debt
€634k▲ 31.5%
The debt ratio rises from 37.9% to 41.0%: debt grows faster than equity.
Key figures and ratios
Solvency
59.0%▼
2024 · 62.1%
ROE
13.6%▼
2024 · 25.1%
ROA
8.0%▼
2024 · 15.6%
Debt
€634k▲
2024 · €482k
Debt ≤ 1 year
€595k▲
2024 · €429k
Debt > 1 year
€39k▼
2024 · €53k
Income taxes
€51k▼
2024 · €55k
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€1.27M€1.55M▲
Fixed assets21/28€1.08M€1.07M▼
Tangible fixed assets22/27€84k€66k▼
Furniture and vehicles24€18k€15k▼
Leasing and similar rights25€66k€51k▼
Financial fixed assets28€1.00M€1.00M=
Current assets29/58€187k€481k▲
Amounts receivable after more than one year29-€246k
Other amounts receivable291-€246k
Amounts receivable within one year40/41€178k€227k▲
Trade receivables40€50k€60k▲
Other amounts receivable41€128k€167k▲
Cash at bank and in hand54/58€7k€3k▼
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€1.27M€1.55M▲
Equity10/15€789k€913k▲
Contributions10/11€28k€28k=
Reserves13€742k€866k▲
Tax-exempt reserves132€19k€19k=
Distributable reserves133€723k€848k▲
Profit (loss) carried forward14€20k€20k=
Amounts payable17/49€482k€634k▲
Amounts payable after more than one year17€53k€39k▼
Financial debts170/4€53k€39k▼
Amounts payable within one year42/48€429k€595k▲
Current portion of amounts payable after more than one year42€25k€34k▲
Financial debts43€24k€10k▼
Credit institutions430/8€24k€10k▼
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€78k€65k▼
Taxes450/3€78k€65k▼
Other amounts payable47/48€299k€484k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€17k▲
Other operating charges640/8€1k€868▼
Gross operating margin9900€184k€196k▲
Operating profit (loss)9901€170k€177k▲
Financial income75/76B€100k€4k▼
Recurring financial income75€100k€4k▼
Financial charges65/66B€16k€6k▼
Recurring financial charges65€16k€6k▼
Profit (loss) for the period before taxes9903€253k€176k▼
Income taxes67/77€55k€51k▼
Profit (loss) for the period9904€198k€125k▼
Profit (loss) for the period to be appropriated9905€198k€125k▼
Appropriation of the result
Profit (loss) to be appropriated9906€217k€144k▼
Profit (loss) brought forward from the previous period14P€20k€20k▲
Transfer to equity691/2€198k€125k▼
To other reserves6921€198k€125k▼
The notes to these accounts (6 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
07-08
State Gazette act
General meeting · Director appointment
Permanent representative · Director resignation
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
13-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 13 days late
2024
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
31-12
Financial
Equity above €500kEq €591k ▲21.5%
2 profitable years in a row build equity to €591k.
02-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 63 days late
2022
31-12
Financial
Back to profitnet €112k
Net result €112k after one loss-making year.
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Back to profitnet €251k
Net result €251k after one loss-making year.
31-12
Financial
Equity above €200kEq €392k ▲178%
Equity rises from €141k to €392k.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 31 days late
2019
31-12
Financial
Weakest financial yearnet €-283k ▼638%
Net result drops to €-283k, the lowest in the series; recovery starts the following year.
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2023
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
02-10-2023
Erik Hertling: Resigned as Director
02-10-2023
Mark Frijters: Resigned as Director
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 1997
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.
Quellinstraat 372018 AntwerpenGround area
797 m²
Building footprint
502 m²
Volume, LiDAR
1,329 m³
Parcel 11808H1237/00V003, Flanders · tallest building 16.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Quellinstraat 37, 2018 Antwerpen
since 19972.227.715.559
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11808H1237/00V003 | Flanders | 797 m² | 1 · 502 m² | 16.6 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.
Structure & network
Ownership & control
1 partyFINUM HOLDINGBE 0435.329.169
controls
Where this company holds controlthis company sits on their board1
2 locations
Recognitions · licences · registrations
Legal Entity Identifier
6488X8NS1B5B212OB768
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Of 24,640 companies in sector 64210 we hold annual accounts for 19,693. 12,864 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-09-1988
Fiscal year end31-12
Activities, NACEBEL
64210Activities of holding companies
69201Certified accountants and tax accountants
74122
74855
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:brian.vintioen@finum-accountants.be
Phone:03.205.68.00