Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
FINTECH XII from Zedelgem, company number BE0780963826, closed financial year 2025 with a result of € -1.7 million after tax. For that financial year FINTECH XII recorded a gross margin of € -12,405 and equity of € 22,605. Compared with financial year 2024, the result moved from € -4,333 to € -1.7 million. The company made a loss. The buffer shrank hard: equity is 99 % below last year. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on May 15, 2026.
€ 22,605
▼ 99% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -1.7 million
▼ 39863 % more loss than in 2024
Profit after tax over the fiscal year.
€ 23,424
▲ € 23,118 vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -1.7 million.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 991
▲ 108% vs 2024
Supplier invoices still open on the last day of the fiscal year.
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| 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|
| Gross margin | € 1,986 | € -3,296 | € -12,405 | ▼ € 9,109 |
| Profit after taxes | € 659 | € -4,333 | € -1,731,526 | ▼ € 1.7 million |
| Equity | € 2,625,659 | € 2,621,327 | € 22,605 | ▼ 99% |
| Total debts | € 1,291 | € 7,003 | € 991 | ▼ 86% |
| Cash | € 1,043 | € 306 | € 23,424 | ▲ € 23,118 |
| Retained profit | € 659 | € -3,673 | € -1,735,200 | ▼ € 1.7 million |
| Balance sheet total | € 2,626,951 | € 2,628,329 | € 23,596 | ▼ 99% |
Key figures of FINTECH XII, fiscal years 2023 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 April 2027.
What happened to FINTECH XII?
What happened at FINTECH XII in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 1.7 million. filed late Source: NBB ↗
- New establishment in Zedelgem. KBO
- Start of the company according to the CBE. KBO
- Het Belfort Bv became a director. NBB
- Luxus Oostende Bv became a director. NBB
In short
From € 659 profit in 2023 to € 1.7 million loss in 2025.
Paid € 575 in corporate taxes since 2023.
Best year ever: 2023, with € 659 profit.
A new publication or filing at FINTECH XII? We notify you, reason included.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
The stake of FUTURE FORWARD, Luxus Oostende comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
FINTECH XIIBehind FINTECH XII are Het Belfort Bv and Luxus Oostende Bv. The shares are held by FUTURE FORWARD (38.1%) and Luxus Oostende (1.9%).
Directors
According to the 2025 annual accounts
Director · represented by Steven Verhelst
Also active at: TIJARM, LIDO BUILD, FUTURE FORWARD, LUX PROPERTIES, LOKERHOF GROUP, RED OAK, Zwindijk, MAPLE-TREE RENTAL & MAINTENANCE
since 2022
Director · represented by Wim Soete
since 2022
Shareholders
38.1%
1.9%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Abdijhoek 6
8210 Zedelgem
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 9 companies are registered at this address.
All companies at this address →JAD Invest
€ 22,662 gross margin · 2025
Cnockaert-Verhelst
FUTURE FORWARD same network
€ -10,030 gross margin · 2025
INVESTSTONE
€ -23,563 gross margin · 2025
Zwindijk same network
€ -9,475 gross margin · 2025
+4 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0780.963.826
- VAT number
- BE 0780.963.826
- Registered office
- Abdijhoek 6, 8210 Zedelgem
- Names & denominations
- FINTECH XII
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 27 January 2022
- Peppol
- Not registered