Equity
€238,733 ▲ 9.5%
FIENCO has made a profit without a break since 2019.
FIENCO
Lifetime
19 annual accounts with figures on one time axispeak €467,739 (2025)
€467,739▲ 58.6%
lowest -€24,227 (2015)
€165,654▲ 81.3%
peak €238,733 (2025)
€238,733▲ 9.5%
€601,150▲ 399%
peak 3.5 FTE (2025)
3.5 FTE▲ 45.8%
Board7 names since 2020
4 directorsDe Rudder Fien and 3 others
Owners3 names in the annual accounts
50%De Rudder Fien and 2 others
Documentsfilings and deeds
22-07-20269 days before the deadline
2025abbreviated format
Gross margin from €294,835 to €467,739Result from €91,381 to €165,654Staff from 2.4 FTE to 3.5 FTEDebts from €120,499 to €601,1501 establishment registeredInvestments €447,849
Key points
from the 2025 annual accountsResult
€165,654 ▲ 81.3%
The result rose in 2025 from €91,381 to €165,654.
Debts
€601,150 ▲ 399%
Debts rose by €480,651 in 2025.
Investments
€447,099 15.5 × depreciation
Green is investment, beige is depreciation.
Staff
6 employees on 31-12-2025
In 2025, 3 people joined and nobody left.
Filings
19 annual accounts since 2007
Four of the last ten came late. The 2021 accounts came latest: 46 days after the end of the period.
Financial institution: outside the modelBankruptcy probability: sector outside the model
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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Signals
1 signal, which does not raise the risk
1 signal.
neutral
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 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 days early
2024
22 days early
2023
21 days early
2022
25 days late
2021
46 days late
2020
28 days late
2019
27 days late
← 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 11 days after the deadline. In the sector (NACE 66), the median for financial year 2024 was 5 days before the deadline, and 39% 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 22 July (4 of the last 5 accounts filed within 34 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
Board and ownership
- De Rudder Fien 50%equity €218,580 (2025) · 2025 annual accounts of De Rudder Fien
- ZWAENEPOEL NCA 18.75%equity €186,153 (2025) · 2025 annual accounts of ZWAENEPOEL NCA
- MAXDEM 12.5%score 91equity €41,613 (2025) · 2025 annual accounts of MAXDEM
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0884653658
New establishment in Blankenberge
Kerkstraat 341
1 director appointed
Maxdem BV (director) · Permanent representatives: Demeulenaere Maxim, De Rudder Fien, De Smul Sirpa and Zwaenepoel Michel · General meeting of 08-12-2023 · Gazette deed
1 director appointed, 1 resignation
Appointment: De Rudder Franky · Resignation: De Rudder Franky · Permanent representatives: De Rudder Fien, De Smul Sirpa and Zwaenepoel Michel · General meeting of 24-03-2020 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| FIENCO De Haan | €0.8m | €467,739 | 28.4% | 3.5 |
| Pilson Invest Kuurne | €0.9m | €532,165 | 42.9% | 3.4 |
| BUREAU WERION Walcourt | €0.9m | €572,863 | 48.7% | 3.7 |
| Financieel Adviesburo Veurne Veurne | €1.0m | €467,085 | 79.2% | 4.2 |
| LYCKE & VAN HUFFEL Knokke-Heist | €0.7m | €451,514 | 48.1% | 3.2 |
| Zakenkantoor SCHOUTERDEN & PAULUSSEN Tongeren-Borgloon | €0.9m | €590,600 | 16.7% | 3.1 |
| FORTUNA FINANCIAL GROUP Schilde | €0.8m | €454,259 | 81.4% | 3.6 |
These companies have the same main activity as FIENCO: insurance agents and brokers (NACE 66220). They are comparable in size and age: total assets between €659,000 and €1m, founded between 2000 and 2008.
Official details
Source: KBO- Status
- Active since 30-10-2006Normal situation
- Activity
- Insurance agents and brokersNACE 66220
- Joint committee
- 307Insurance brokers and agencies · annual accounts 2023
- Establishment units
- 2.157.344.8318420 De Haan, since 15-11-2006
- 2.302.278.1728450 Bredene, since 24-03-2020and 1 other
- Financial year end
- 31 December
- Peppol
- Reachable since 06-11-2025
Annual accounts 2025
- €839,883▲ 148%
- Employeeson 31-12-2025
- 6▲ 100%
- Filing
- Filed on 22-07-2026, 9 days before the end of the filing period
Insights on FIENCO
FIENCO files the abbreviated format. That format states no turnover. The gross margin rose from €37,475 in 2007 to €467,739 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 FIENCO
- What is the company number of FIENCO?
- The company number of FIENCO is 0884.653.658. The VAT number is the same number with BE in front: BE 0884.653.658.
- Where is FIENCO based?
- The registered office is at Vosseslag 123, 8420 De Haan.Company details
- What does FIENCO do?
- According to the KBO register, the main activity is insurance agents and brokers (NACE 66220).
- What is the legal form of FIENCO?
- FIENCO is a private limited company (BV).
- When was FIENCO founded?
- FIENCO was founded on 30-10-2006.
- Is FIENCO still active?
- Yes, FIENCO is an active enterprise in the KBO register.
- How many employees does FIENCO have?
- FIENCO had an average of 3.5 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does FIENCO fall under?
- In its 2023 annual accounts, FIENCO states joint committee 307 (Insurance brokers and agencies).
- What is the turnover of FIENCO?
- The turnover in financial year 2025 is ≈ €750,000. This figure is estimated from the gross margin of €467,739 and 31 comparable companies (NACE 66). It probably lies between €670,000 and €860,000.
- Is FIENCO profitable?
- In financial year 2025, FIENCO made a profit of €165,654.
- Where can I find the annual accounts of FIENCO?
- FIENCO filed 19 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of FIENCO due?
- FIENCO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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