ACTIVE

FINTEC

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Financial year 2025 · closed on 31/12/2025

Net result

-36 k €

-161.9% YoY

Gross margin

52,5 k €

+72.0% YoY

Equity

1,2 M €

-2.8% YoY

What does FINTEC do?

FINTEC is a Public limited company incorporated in 1990. Its main activity is: Management consultancy activities. Its registered office is in Koksijde.

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0442.409.278

Incorporation

21/12/1990

Legal form

Public limited company

Registered office

Koninklijke Baan(Kok) 280 box 202
8670 Koksijde · FlandreSee on map

Contributed capital

62 000,00 €

Latest accounts

31/12/2025

Activities (NACE)

70200Management consultancy activities· main 70220Business and other management consultancy activities 74142Specialised design activities

Signals

Solid equityLow riskGood liquidityPositive cashflowPositive EBITDA

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✦ Verdict · Analyst summary

Financials

Trend over 20 financial years

	2025		2024		2023		2022		2021		2020		2019		2018		2017		2016		2015		2014		2013		2012		2011		2010		2009		2008		2007		2006
Income statement
Gross margin	52,5 k €	+72.0%	30,5 k €	-94.7%	578,1 k €	+1804%	-33,9 k €	-138%	90,1 k €	+66.4%	54,2 k €	-26.2%	73,4 k €	-6.1%	78,2 k €	-41.7%	134 k €	-23.6%	175,4 k €	+10.0%	159,5 k €	-3.2%	164,8 k €	+12.7%	146,2 k €	-8.3%	159,4 k €	+52.9%	104,3 k €	-41.0%	176,7 k €	+33.7%	132,1 k €	+1.6%	130,1 k €	-25.2%	173,9 k €	+41.9%	122,6 k €
EBITDA	40,7 k €	+107%	19,7 k €	-96.5%	562,7 k €	+1501%	-40,2 k €	-148%	83,7 k €	+78.7%	46,8 k €	-25.5%	62,9 k €	+24.8%	50,4 k €	-37.3%	80,4 k €	+15.4%	69,7 k €	-51.3%	143,1 k €	-3.8%	148,8 k €	+8.3%	137,3 k €	-11.4%	155,1 k €	+53.8%	100,8 k €	-37.2%	160,6 k €	+21.6%	132,1 k €	+1.6%	130,1 k €	-25.2%	173,9 k €	+41.9%	122,6 k €
Operating result	-34,3 k €	-19382%	178 €	-100.0%	604,2 k €	+3986%	14,8 k €	-12.9%	17 k €	+2626%	623 €	-92.7%	8,6 k €	+2407%	342 €	-98.8%	28,3 k €	+60.8%	17,6 k €	-80.4%	90 k €	-6.1%	95,9 k €	+13.7%	84,4 k €	-17.4%	102,1 k €	+104%	50,2 k €	-59.7%	124,5 k €	+18.2%	105,3 k €	+2.2%	103,1 k €	-29.8%	146,9 k €	+50.2%	97,8 k €
Net result	-36 k €	-162%	-13,8 k €	-103%	460 k €	+13117%	3,5 k €	-69.6%	11,5 k €	+2.2%	11,2 k €	+35.2%	8,3 k €	-43.9%	14,8 k €	+3.2%	14,3 k €	+15.8%	12,4 k €	-76.1%	51,7 k €	+267%	14,1 k €	-80.7%	72,8 k €	+10.0%	66,2 k €	+673%	8,6 k €	-91.0%	95,3 k €	+64.1%	58,1 k €	-17.4%	70,4 k €	+0.1%	70,3 k €	-2.8%	72,3 k €
Balance sheet
Equity	1,2 M €	-2.8%	1,3 M €	-1.1%	1,3 M €	+56.1%	819,6 k €	+0.4%	816,1 k €	+1.4%	804,7 k €	-0.8%	811 k €	+1.0%	802,7 k €	+1.2%	792,9 k €	+1.2%	783,6 k €	+0.8%	777,7 k €	+6.2%	732,5 k €	+2.0%	718,4 k €	+10.0%	653,1 k €	+9.9%	594,4 k €	+1.5%	585,8 k €	+19.4%	490,5 k €	+13.4%	432,4 k €	+19.4%	362 k €	+24.1%	291,7 k €
Total assets	1,9 M €	-2.0%	1,9 M €	-9.2%	2,1 M €	+21.4%	1,7 M €	+11.2%	1,5 M €	+6.4%	1,4 M €	-0.8%	1,5 M €	+18.0%	1,2 M €	+0.2%	1,2 M €	+0.1%	1,2 M €	+11.6%	1,1 M €	+1.0%	1,1 M €	+12.5%	973,4 k €	+0.8%	965,4 k €	-1.2%	977,5 k €	+8.1%	904,3 k €	+24.3%	727,3 k €	+2.9%	707 k €	+4.9%	673,6 k €	+4.2%	646,4 k €
Cash	22,6 k €	-35.3%	34,9 k €	+77.6%	19,7 k €	+7.0%	18,4 k €	-53.0%	39,1 k €	-13.3%	45,1 k €	+1.7%	44,3 k €	+253%	12,6 k €	-34.3%	19,1 k €	+93.3%	9,9 k €	+38.9%	7,1 k €	-42.2%	12,3 k €	+1060%	1,1 k €		–		7,2 k €	-69.4%	23,5 k €	-31.4%	34,3 k €	+18.5%	28,9 k €	-8.9%	31,7 k €	+129%	13,9 k €
Debts	488,1 k €	+0.9%	483,9 k €	-20.3%	607 k €	-19.1%	750,5 k €	+63.2%	459,9 k €	+20.5%	381,6 k €	-1.4%	387,1 k €	+124%	173 k €	-15.1%	203,8 k €	-22.0%	261,5 k €	+15.7%	225,9 k €	-23.3%	294,6 k €	+16.0%	253,9 k €	-18.7%	312,3 k €	-18.5%	383,1 k €	+20.3%	318,4 k €	+34.5%	236,8 k €	-13.7%	274,6 k €	-11.9%	311,6 k €	-12.2%	354,7 k €
Other
Workforce	–		–		–		–		–		–		–		–		–		–		–		–		–		–		–		–		–		–		–		0,0 ETP

Estimate

Indicative valuation

As an indication, this company is worth

between 500 k€ and 1 M€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2025 · 2 active · 9 ended

Active mandates

Eric DELCROIX

Director · since 17 janvier 2018 · until 29 mai 2028

Active

Isabelle Massy

Director · since 17 janvier 2018 · until 29 mai 2028

Active

Ended mandates

Eric DELCROIX

Director · since 17 janvier 2018 · until 17 janvier 2024

Ended

Isabelle Massy

Director · since 17 janvier 2018 · until 17 janvier 2024

Ended

Luc Delcroix

Director · since 17 janvier 2018 · until 17 janvier 2024

Ended

Eric DELCROIX

Director · since 26 juin 2008 · until 26 juin 2014

Ended

Annual accounts

Full financial information

	2025	2024	2023	2022	2021	2020
Type of account	Micro model	Micro model	Micro model	Micro model	Micro model	Micro model
Start of the financial year	01/01/2025	01/01/2024	01/01/2023	01/01/2022	01/01/2021	01/01/2020
Closing of the financial year	31/12/2025	31/12/2024	31/12/2023	31/12/2022	31/12/2021	31/12/2020
Length of the financial year	12 months	12 months	12 months	12 months	12 months	12 months
Filing date	27/08/2026	24/08/2025	27/08/2024	12/08/2023	02/10/2022	24/09/2021
General meeting	25/05/2026	26/05/2025	27/05/2024	22/05/2023	01/10/2022	24/05/2021
Currency of the financial year	EUR	EUR	EUR	EUR	EUR	EUR
NBB quality label	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls

Ratios

Financial ratios

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Filings

Annual accounts filings

20 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Micro model	31/12/2025	25/05/2026	27/08/2026	French	PDF
Micro model	31/12/2024	26/05/2025	24/08/2025	French	PDF
Micro model	31/12/2023	27/05/2024	27/08/2024	French	PDF
Micro model	31/12/2022	22/05/2023	12/08/2023	French	PDF
Micro model	31/12/2021	01/10/2022	02/10/2022	French	PDF
Micro model	31/12/2020	24/05/2021	24/09/2021	French	PDF
Micro model	31/12/2019	26/06/2020	25/10/2020	French	PDF
Micro model	31/12/2018	26/06/2019	28/09/2019	French	PDF
Micro model	31/12/2017	26/06/2018	23/09/2018	French	PDF
Micro model	31/12/2016	26/06/2017	24/09/2017	French	PDF
Abridged model	31/12/2015	01/05/2016	28/09/2016	French	PDF
Abridged model	31/12/2014	26/06/2015	26/09/2015	French	PDF
Abridged model	31/12/2013	24/06/2014	22/09/2014	French	PDF
Abridged model	31/12/2012	24/06/2013	22/09/2013	French	PDF
Abridged model	31/12/2011	26/06/2012	21/10/2012	French	PDF
Abridged model	31/12/2010	26/06/2011	24/10/2011	French	PDF
Abridged model	31/12/2009	26/06/2010	11/10/2010	French	PDF
Abridged model	31/12/2008	26/06/2009	14/10/2009	French	PDF
Abridged model	31/12/2007	26/06/2008	27/10/2008	French	PDF
Abridged model	31/12/2006	26/06/2007	05/12/2007	French	PDF

Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 500 k€ and 1 M€

The detail comes with the Business plan: low and high bounds, the valuation bridge for each financial year, transaction multiples by sector and size, group valuation and exports.

Discover the Business plan

Disclaimer

Indicative estimate based on public sector multiples and the filed annual accounts. It is neither a certified valuation nor financial or investment advice.

Governance

Board of directors

Seen on filing of 31/12/2025 · 2 active · 9 ended

Active mandates

Eric DELCROIX

Director · since 17 janvier 2018 · until 29 mai 2028

Active

Isabelle Massy

Director · since 17 janvier 2018 · until 29 mai 2028

Active

Ended mandates

Eric DELCROIX

Director · since 17 janvier 2018 · until 17 janvier 2024

Ended

Isabelle Massy

Director · since 17 janvier 2018 · until 17 janvier 2024

Ended

Luc Delcroix

Director · since 17 janvier 2018 · until 17 janvier 2024

Ended

Eric DELCROIX

Director · since 26 juin 2008 · until 26 juin 2014

Ended

Shareholders

Ownership and network

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Belgian Official Gazette

Belgian Official Gazette publications

Mandates08/04/2026
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - DENOMINATION
PDF
Mandates10/02/2026
SIEGE SOCIAL - DEMISSIONS, NOMINATIONS
PDF
Mandates16/06/2022
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - SIEGE SOCIAL - OBJET - DEMISSIONS, NOMINATIONS
PDF
Mandates16/05/2018
DEMISSIONS, NOMINATIONS
PDF
Mandates31/01/2012
CAPITAL, ACTIONS - DEMISSIONS, NOMINATIONS - STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, )
PDF

Source: Belgian Official Gazette

Competition

Similar companies

A company's peers, by sector and size, are included in the Business plan.

See the Business plan

2025
Annual accounts 2025-36 k €↓
2024
Annual accounts 2024-13,8 k €↓
2023
Annual accounts 2023460 k €↑
2022
Annual accounts 20223,5 k €↓
2021
Annual accounts 202111,5 k €↑
2020
Annual accounts 202011,2 k €↑
2019
Annual accounts 20198,3 k €↓
2018
Annual accounts 201814,8 k €↑
2017
Annual accounts 201714,3 k €↑
2016
Annual accounts 201612,4 k €↓
2015
Annual accounts 201551,7 k €↑
2014
Annual accounts 201414,1 k €↓
2013
Annual accounts 201372,8 k €↑
2012
Annual accounts 201266,2 k €↑
2011
Annual accounts 20118,6 k €↓
2010
Annual accounts 201095,3 k €↑
2009
Annual accounts 200958,1 k €↓
2008
Annual accounts 200870,4 k €↑
2007
Annual accounts 200770,3 k €↓
2006
Annual accounts 200672,3 k €
21/12/1990
IncorporationPublic limited company

10/15	1 240 000	1 180 000	1 050 000
70	8 630 000	8 120 000	7 940 000
9904	412 000	388 000	301 000
17/49	2 970 000	3 140 000	3 380 000
9087	24,3	23,1	21,8

FINTEC

Overview

What does FINTEC do?

Trend over 20 financial years

Indicative valuation

Board of directors

Financials

Full financial information

Financial ratios

Annual accounts filings

Valuation

Indicative valuation

Directors & structure

Board of directors

Ownership and network

Publications

Belgian Official Gazette publications

Similar companies

Similar companies

Timeline