FIN.CO is a financial institution. The bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €225.2m and a net result of €12.3m, of which €8.9m non-recurring income. Equity has been growing by about 7.6% per year since 2018. Its solvency ranks better than 92% of 3,032 sector peers (NACE 64, financial year 2025). The company has been active since 1998 and the Belgian Official Gazette contains no insolvency or warning signals.
SignalsneutralLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Checked score
The higher the Checked score (0 to 100), the smaller the chance that the company goes bankrupt within twelve months. That chance sets the band, from Critical to Excellent, and within the band how the company does against its sector peers counts too. With a low score, agree a shorter payment term, an advance or security.
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
Bankruptcy probability
It is the chance that the company goes bankrupt within twelve months, estimated from the registers, the annual accounts and the Belgian Official Gazette. At 0.2%, about 2 in 1,000 comparable companies go bankrupt. The higher it is, the shorter the payment term to agree.
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.
Credit check for an amount and term of your choice
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 9 days before the deadline. In the sector (NACE 64), the median for financial year 2024 was 14 days before the deadline, and 28% 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 13 July (4 of the last 5 accounts filed within 30 days either side of that date).
03-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications
Key points
Positive: Back in profit in 2025after a loss of €1.7m in 2024€12.3mView
Caution: Board changedlatest change 21-04-2026 · 1 in office1 joined · 2 leftView
Positive: More equity than 93% of companies in financial servicessector median €5.2m · 3,028 companies€225.2mView
Recent changes
· Gazette deed1 director appointed, 5 directors resigningChange of role: Hubert Plouvier, from director to sole director · Resignations: Benoît Verwilghen, KRUG BV and ALFIN BV · Permanent representatives: Daniel Krug and Jean Ancion
· Gazette deedCapital & shares · Amendment of the articles
· Gazette deed1 director appointed, 2 directors resigningAppointment: Camille Lammens (fund investment manager) · Resignations: M. Willaert BV (investment director) and K. Verluyten BV (investment director)
These companies have the same main activity as FIN.CO: activities of holding companies (NACE 64210). They are comparable in size and age: total assets between €138m and €335m, founded between 1996 and 2004.