Equity
€18,600 from €69,816 in 2023
Equity fell by 73% in 2 years.
Fintheia
Lifetime
8 annual accounts with figures on one time axispeak €137,789 (2024)
€119,552▼ 13.2%
peak €105,988 (2024)
€90,603▼ 14.5%
peak €69,816 (2023)
€18,600▼ 66.7%
€36,204▲ 58.0%
Board1 name since 2021
-
Documentsfilings and deeds
22-05-202670 days before the deadline
2025micro format
Gross margin from €137,789 to €119,552Dividend €127,807Equity from €55,804 to €18,600Debts from €22,907 to €36,204Investments €7,415Cash from €47,773 to €27,023
Key points
from the 2025 annual accountsTurnover
≈ €210,000 estimated
The micro format states no turnover.
Investments
€7,415 3.3 × depreciation
Green is investment, beige is depreciation.
Liquidity
1.27 was 3.28 in 2024
Short-term debts rose from €22,907 to €36,204.
Filings
8 annual accounts since 2018
The last five annual accounts were filed 68 to 90 days before the end of the period.
Position in the sector
€90,603
Higher net result than 90% of companies in real estate. Sector median €5,997 · 17,176 companies.
Checked score
95
Excellent
Financially stronger than 58% of micro companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,625 companies (NACE 68, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: 0.1%▲ +0.1 percentage points vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: < 0.1%▼ -0.1 percentage points vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026lowest value
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: 0.1%▲ +0.1 percentage points vs 05-2026highest value
07-2026: 0.1%● unchanged vs 06-2026highest value
08-2026: 0.1%● unchanged vs 07-2026highest value
09-2026: 0.1%● unchanged vs 08-2026highest value
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
lowers risk
Liquidity: current ratio 1.27, cash €27,023
Sector: Real estate activities (NACE 68)
Figures for financial year 2025 (filed on 27-05-2026)
Size: total assets €54,804
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 52% of them on solvency, 76% on liquidity, 95% on profitability and 9% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 26,972 companies had the same profile as Fintheia has now. Each dot stands for 68 companies, two years later.
94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Fintheia itself is lower: 0.1% within 12 months. It rests on far more data about Fintheia than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 26,972 companies, not a prediction for Fintheia. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €1,500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.27 (3.28 in 2024), below the usual 1.5. Short-term debt is 66.1% and cash 49.3% of total assets. 66.1% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
5 signals, none raises the risk
Five signals.
lowers riskneutral
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 22-05-2026, 70 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
70 days early
2024
77 days early
2023
68 days early
2022
90 days early
2021
88 days early
2020
92 days early
2019
88 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 82 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 15 May (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
New director
VAN RANSBEECK, Luc appointed, VAN RANSBEECK, Luc resigned · Director discharge: VAN RANSBEECK, Luc · General meeting of 07-12-2023 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0676850063
Incorporation
published on 19-06-2017 · Gazette deed
First establishment
Processiestraat 29, Opwijk
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Fintheia Opwijk | €54,804 | €119,552 | 33.9% | - |
| ORANGE BEHEER Maasmechelen | €59,167 | €155,702 | 75.9% | - |
| I INVESTISSEMENT Charleroi | €85,939 | €86,211 | 30.4% | - |
| De Vastgoedmanagers Pepingen | €99,878 | €109,371 | 88.4% | - |
| OwnerSide Woluwe-Saint-Pierre | €34,207 | €116,079 | -15.4% | - |
| GESTIS Liège | €108,685 | €118,721 | 21.1% | 1 |
| VASDI Heusden-Zolder | €107,695 | €106,243 | 62.4% | 1 |
These companies have the same main activity as Fintheia: property management for co-owned buildings (syndics) (NACE 68321). They are comparable in size and age: total assets between €34,200 and €109,000, founded between 2016 and 2019.
Official details
Source: KBO- Status
- Active since 15-06-2017Normal situation
- Activity
- Property management for co-owned buildings (syndics)NACE 68321and 6 others
- Establishment unit
- 2.265.552.9821745 Opwijk, since 15-06-2017
- Financial year end
- 31 December
- Peppol
- Reachable since 24-11-2023
Annual accounts 2025
- €54,804▼ 30.4%
- Filing
- Filed on 22-05-2026, 70 days before the end of the filing period
Insights on Fintheia
Fintheia files the micro format. That format states no turnover. The gross margin rose from €29,034 in 2018 to €119,552 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Fintheia
- What is the company number of Fintheia?
- The company number of Fintheia is 0676.850.063. The VAT number is the same number with BE in front: BE 0676.850.063.
- Where is Fintheia based?
- The registered office is at Processiestraat 29, 1745 Opwijk.Company details
- What does Fintheia do?
- According to the KBO register, the main activity is property management for co-owned buildings (syndics) (NACE 68321).
- What is the legal form of Fintheia?
- Fintheia is a private limited company (BV).
- When was Fintheia founded?
- Fintheia was founded on 15-06-2017.
- Is Fintheia still active?
- Yes, Fintheia is an active enterprise in the KBO register.
- What is the turnover of Fintheia?
- The turnover in financial year 2025 is ≈ €210,000. This figure is estimated from the gross margin of €119,552 and 38 comparable companies (NACE 683). It probably lies between €170,000 and €300,000.Financials
- Is Fintheia profitable?
- In financial year 2025, Fintheia made a profit of €90,603.
- Where can I find the annual accounts of Fintheia?
- Fintheia filed 8 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Fintheia due?
- Fintheia must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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