Company data from Slovak public registers

Andromia Insight
Active

FINCREDIT, s. r. o.

Company financial profile・Company ID 46775064・Mikušovská cesta 3038, 98401 Lučenec・Founded 2012

Financial reportFinancial statements

Turnover 2025

450 K €

+22 %
Company ID
46775064
Tax ID
2023565258
VAT ID
SK2023565258, under §4, registered since Friday, March 10, 2017
Registered office
FINCREDIT, s. r. o.Mikušovská cesta 3038 98401 Lučenec
Established
Friday, July 27, 2012
Legal form
Spoločnosť s ručením obmedzeným
Registered in
Obchodný registerOkresný súd Banská Bystrica, Sro/22611/S

Profit 2025

87 K €

+34 %

Assets

2.62 M €

+0.8 %

Equity

2.0 M €

+4.5 %

Debt ratio

23.3 %

−2.7 pp

Gross margin

76.1 %

+1.2 pp
Coming soon

Andromia score

—

Profit

+34 %
10 K €27 K €35 K €24 K €26 K €53 K €61 K €163 K €77 K €68 K €65 K €87 K €201420152016201720182019202020212022202320242025

Revenue

+1.7 %
1,000 €0 €0 €49 K €120 K €150 K €189 K €254 K €292 K €363 K €363 K €370 K €201420152016201720182019202020212022202320242025

Financial indicators

Calculated from accounting statements using standard financial formulas.

Net margin

19.3 %

+1.7 pp

Profit / revenue

ROA

3.3 %

+0.8 pp

Return on assets

ROE

4.3 %

+0.9 pp

Return on equity

Current ratio

9.64

−24 %

Current assets / current liabilities

Earnings before tax

111 K €

+34 %

Profit + income tax

Effective tax

21.9 %

+0.4 pp

Income tax / earnings before tax

Net working capital

347 K €

+14 %

Current assets − current liabilities

Revenue CAGR

92.9 %

Average annual revenue growth

Total revenue

Sales + other operating + financial income

1,000 €20140 €201511 K €201658 K €2017120 K €2018150 K €2019213 K €2020524 K €2021294 K €2022364 K €2023369 K €2024450 K €2025

Income statement

Item2022202320242025
Sales of products, services and goods292 K €363 K €363 K €370 K €
Value added225 K €268 K €272 K €281 K €
Operating revenue294 K €364 K €369 K €450 K €
Profit after tax77 K €68 K €65 K €87 K €
Income tax22 K €18 K €18 K €24 K €
Current income tax22 K €18 K €18 K €24 K €

Assets

  • Non-current assets2.23 M €
  • Current assets387 K €
  • Accruals and deferrals3,409 €

Liabilities and equity

  • Equity2.0 M €
  • Liabilities609 K €
  • Accruals and deferrals9,897 €

Balance sheet

Assets

Item2022202320242025
Total assets2.63 M €2.6 M €2.6 M €2.62 M €
Non-current assets2.44 M €2.36 M €2.26 M €2.23 M €
Property, plant and equipment2.44 M €2.36 M €2.26 M €2.23 M €
Non-current intangible assets0 €0 €0 €0 €
Non-current financial assets0 €0 €0 €0 €
Current assets192 K €233 K €330 K €387 K €
Inventory0 €0 €0 €6,522 €
Non-current receivables0 €0 €0 €0 €
Current receivables114 K €117 K €300 K €355 K €
Current financial assets0 €0 €0 €0 €
Financial accounts78 K €116 K €30 K €25 K €
Accruals and deferrals1,851 €3,435 €3,221 €3,409 €

Liabilities and equity

Item2022202320242025
Total equity and liabilities2.63 M €2.6 M €2.6 M €2.62 M €
Equity779 K €849 K €1.91 M €2.0 M €
Share capital5,000 €5,000 €5,000 €5,000 €
Funds and other equity components0 €0 €0 €6,500 €
Profit/loss of previous years389 K €468 K €536 K €593 K €
Profit/loss for the accounting period after tax77 K €68 K €65 K €87 K €
Liabilities1.85 M €1.74 M €674 K €609 K €
Non-current liabilities182 €308 €451 €618 €
Current liabilities1.43 M €1.41 M €26 K €40 K €
Short-term financial assistance0 €0 €405 K €416 K €
Long-term bank loans414 K €327 K €240 K €149 K €
Short-term bank loans0 €0 €0 €0 €
Provisions0 €1,682 €3,454 €2,974 €
Accruals and deferrals9,263 €10 K €9,457 €9,897 €

Income tax

Tax liability trend

2,335 €6,917 €9,391 €5,726 €6,907 €14 K €16 K €44 K €22 K €18 K €18 K €24 K €201420152016201720182019202020212022202320242025
Total taxCurrent tax

Company reliability

  • The entity is listed as an unreliable VAT payerNo
  • Former unreliable VAT payerNo
  • Excess VAT deductionLatest taxable period0226Excess deduction for the period0 €Tax liability for the period8,957.43 €No
  • Tax reliability indexHighly reliable
  • Tax debtNo
  • Debt with VšZPNo
  • Debt with UnionNo
  • Debt with Social Insurance AgencyNo

Business activities

11 registered activities

  • sprostredkovanie predaja, prenájmu a kúpy nehnuteľností (realitná činnosť)Valid from Thursday, March 28, 2013
  • administratívne službyValid from Friday, July 27, 2012
  • kúpa tovaru na účely jeho predaja konečnému spotrebiteľovi (maloobchod) alebo iným prevádzkovateľom živnosti (veľkoobchod)Valid from Friday, July 27, 2012
  • poskytovanie úverov a pôžičiek z peňažných zdrojov získaných výlučne bez verejnej výzvy a bez verejnej ponuky majetkových hodnôtValid Friday, July 27, 2012 – Monday, April 1, 2019
  • prenájom hnuteľných vecíValid from Friday, July 27, 2012
  • reklamné a marketingové službyValid from Friday, July 27, 2012
  • skladovanieValid from Friday, July 27, 2012
  • sprostredkovateľská činnosť v oblasti obchoduValid from Friday, July 27, 2012
  • sprostredkovateľská činnosť v oblasti služiebValid from Friday, July 27, 2012
  • sprostredkovateľská činnosť v oblasti výrobyValid from Friday, July 27, 2012

Statutory bodies and related persons

Statutory body

2 active of 3
  • Jozef Marcinek
    Konateľfrom Friday, July 27, 2012

    Address Partizánska 909/90, 98501 Kalinovo, Slovenská republika

  • Štefan Vantruba
    Konateľfrom Friday, July 27, 2012

    Address Vladimíra Clementisa 244/5, 98559 Vidiná, Slovenská republika

  • Jozef MarcinekInactive
    KonateľFriday, July 27, 2012 – Wednesday, March 11, 2020

    Address Rubanisko III 2907/41, 98403 Lučenec, Slovenská republika

Related persons

2 active of 3
  • Jozef Marcinek
    Spoločník v.o.s. / s.r.o.from Thursday, March 12, 2020

    Address Partizánska 909/90, 98501 Kalinovo, Slovenská republika

    Share50 %Contribution2,500 EUR
  • Štefan Vantruba
    Spoločník v.o.s. / s.r.o.from Friday, July 27, 2012

    Address Vladimíra Clementisa 244/5, 98559 Vidiná, Slovenská republika

    Share50 %Contribution2,500 EUR
  • Jozef MarcinekInactive
    Spoločník v.o.s. / s.r.o.Friday, July 27, 2012 – Wednesday, March 11, 2020

    Address Rubanisko III 2907/41, 98403 Lučenec, Slovenská republika

    Share50 %Contribution2,500 EUR

Registration

Registered in Business Register

Register
Obchodný register
Registration court
Okresný súd Banská Bystrica
Registration number
Sro/22611/S
Main activity
Ostatný nešpecializovaný maloobchod
Sector (ESA 2010)
Národné súkromné nefinančné korporácie
Tax registration
Active
VAT registration
Active
FINCREDIT, s. r. o.

Registered office

FINCREDIT, s. r. o.

Mikušovská cesta 3038, 98401 Lučenec

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