FIENAR FINANCE

Active

Public limited companyfounded 2012active for 14 yearsHoevenstraat 55A, 3920 Lommel, Belgium10 active companies are registered at this addressKBO/BCE: BE 0846.717.849

Summary

FIENAR FINANCE has been active since 2012 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €140,534 and a net result of -€1,592. Equity is growing by about 3.3% per year across the filed financial years. The computed 12-month bankruptcy probability is 0.4% (very low).

Risk analysisFollow Report Compare

FIENAR FINANCEActiveChecked score 80/100

Risk analysis Report Compare

Activity

“Het verstrekken van kredieten/leningen aan derden of andere vennootschappen al dan niet met een…” (deed in Dutch)

From the articles, 12 activitiesNo NACE code in the KBO yet1 site

Size

€771,357total assets 2025

Equity: €140,534
Loss: -€1,592

Turnover not published (abbreviated format)

Financial health

80 Excellent Checked score 2025

Bankruptcy probabilitywithin 12 months: 0.4%

Structure

Parent: FIEMA HOLDING · 100%

Joosten ArnoldDirector

2025 accounts 45 days early1 of 3 deeds summarised

Why 80raises riskLiquidity: current ratio 1.22, cash €249lowers riskSize: total assets €771,357No main activity registeredLegal form: public limited companyShow the evidence

Checked score

Score 2025

80 / 100

Excellent

Probability in this band: under 0.55%

Financially better than 26% of its sector peers (no NACE code, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Weak

Solvency 43-1

equity 18.2% of total assets

Liquidity 5=

short-term debt 81.8% · cash 0.0%

Profitability 37-1

return on assets -0.2%

Bankruptcy probability, 12 months

0.4% Very low

0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 11-2024: 1.0% 12-2024: 1.0%● unchanged vs 11-2024 01-2025: 1.0%● unchanged vs 12-2024 02-2025: 1.0%● unchanged vs 01-2025 03-2025: 1.0%● unchanged vs 02-2025 04-2025: 1.0%● unchanged vs 03-2025 05-2025: 1.0%● unchanged vs 04-2025 06-2025: 1.0%● unchanged vs 05-2025 07-2025: 1.0%● unchanged vs 06-2025 08-2025: 1.0%● unchanged vs 07-2025 09-2025: 1.3%▲ +0.3 percentage points vs 08-2025 10-2025: 1.4%▲ +0.1 percentage points vs 09-2025highest value 11-2025: 1.1%▼ -0.3 percentage points vs 10-2025 12-2025: 1.1%● unchanged vs 11-2025 01-2026: 1.1%● unchanged vs 12-2025 02-2026: 0.4%▼ -0.7 percentage points vs 01-2026lowest value 03-2026: 0.4%● unchanged vs 02-2026lowest value 04-2026: 0.4%● unchanged vs 03-2026lowest value 05-2026: 0.5%▲ +0.1 percentage points vs 04-2026 06-2026: 0.5%● unchanged vs 05-2026 07-2026: 0.5%● unchanged vs 06-2026 08-2026: 0.4%▼ -0.1 percentage points vs 07-2026 09-2026: 0.4%● unchanged vs 08-2026 10-2026: 0.4%● unchanged vs 09-2026

Credit of up to €11,000 on 30-day terms is acceptable

Liquidity tight (current ratio 1.22, compared with 1.23 in 2024, below the usual 1.5; short-term debt: 81.8% and cash: 0% of total assets), and 81.8% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 (no NACE code, micro): better than 27% on solvency, 7% on liquidity, 28% on profitability and 41% on growth.

The bankruptcy probability was computed on 26-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.

lowers riskraises riskneutral

Size: total assets €771,357

Companies of this size fail less often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Liquidity: current ratio 1.22, cash €249

NBB · annual accounts

No main activity registered

KBO

Legal form: public limited company

KBO

Latest accounts filed on time

The financial year that closed on 30-04-2025 was due by 30-11-2025 and was filed on 16-10-2025, 45 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

45 days early

2024

40 days early

2023

49 days early

2022

14 days late

2021

27 days early

2020

on the day

2019

10 days early

← before the deadline after the deadline →

tick = median of all Belgian filings

This company filed its last 7 accounts on average 22 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Searched, nothing found (2)

Next filing not due yet

The financial year that closed on 30-04-2026 is due by 30-11-2026. Nothing is late today. The company usually files around 21 October (4 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

30-04-2026 year end27-10-2026 today30-11-2026 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

16-10-2025 Annual accounts filedfinancial year 2025 · abbreviated…
30-04-2025 Weakest financial yearnet -€1,592
21-10-2024 Annual accounts filedfinancial year 2024 · abbreviated…

Key points

Controlled by FIEMA HOLDING 100% View
One director decidessole director in office 1 View
Total assets 20256 financial years filed €771,357 View

By topic

Financials

Financial year: 2025
Total assets: €771,357
Loss: -€1,592
Solvency: 18.2%

Total assets▲ 1.0%

Net result

20192025

Go to Financials

Board & ownership

Board: 1 member
Parent: FIEMA HOLDING · 100%

Joosten ArnoldDirector

Go to Board & ownership

Timeline

Events: 15
Since: 2015
Next accounts: by 30-11-2026

05-01-2024Resignations: Verachtert Frans (director) and Joosten Arnold…
12-10-2023Annual accounts filed
14-12-2022Annual accounts filed

Go to Timeline

Company details

Sites: 1

Legal form: Public limited company
Founded: 18-06-2012
Year ends: 30-04
Peppol: Reachable for e-invoices

Go to Company details

Articles of association

Provisions read: 9

Who signs: The sole director
Purpose: “Het verstrekken van kredieten/leningen aan derden of andere vennootschappen al dan niet…” (deed in Dutch)

Go to Articles of association

Key facts about FIENAR FINANCE

What is the company number of FIENAR FINANCE?: 0846.717.849. In Belgium the VAT number is the company number with BE in front: BE 0846.717.849.
Where is FIENAR FINANCE based?: The registered office is at Hoevenstraat 55A, 3920 Lommel.Company details
What is the legal form of FIENAR FINANCE?: Public limited company (NV).
When was FIENAR FINANCE founded?: On 18-06-2012.
Is FIENAR FINANCE still active?: Yes, FIENAR FINANCE is an active enterprise in the KBO register.
What is the turnover of FIENAR FINANCE?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is FIENAR FINANCE profitable?: In financial year 2025, FIENAR FINANCE made a loss of €1,592.
Where can I find the annual accounts of FIENAR FINANCE?: FIENAR FINANCE filed 12 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of FIENAR FINANCE due?: By 30-11-2026, for financial year 2026.Timeline