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Fin Flow

Active
Private limited companyfounded 20241 yr activeWolvertemsesteenweg 14, 1850 Grimbergen, BelgiumKBO/BCE: BE 1016.079.750
Summary

Fin Flow has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €12,170 and a net result of €11,837. Its solvency ranks better than 48% of 37948 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).

Checked score

Score 2024
Axes
Profitability100
Solvency82
Growth-
Track record67
Bankruptcy probability, 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 2.24; short-term debt: 43.5% and cash: 14.2% of total assets), and 43.5% of the assets are financed with debt.
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Signals

Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024
Solvency, return and age of the figures
Solvency
56.5%
Return on assets
55%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-07-2025, 9 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2024
9 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its 2024 accounts 9 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 11 November 2024, Fin Flow was incorporated as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2024

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Financials · fiscal year 2024, micro schema

Turnover
€17,566
EBIT margin
84.3%
Net result
€11,837
Working capital
€11,616

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €21,523
Fixed assets €553
Current assets €20,970
Equity and liabilities €21,523
Equity €12,170
Debt €9,353
Debt finances 43.5% of the balance-sheet total.
Key figures and ratios
2024 value
EBITDA
€16,014
Cash flow
€13,039
Current ratio
2.24
Debt to equity
0.77
ROE
97.3%
ROA
55.0%
Debt ≤ 1 year
€9,353
Income taxes
€2,975

Peer companies

Historical observation

Of the 11,279 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 97% are still going.

  • Micro
  • under 2 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
0.7% went bankrupt
2.6% stopped otherwise
97% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.3% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 11,279 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2024 · 30 lines
Balance sheet Code2024
Assets
Total assets20/58€21,523
Fixed assets21/28€553
Tangible fixed assets22/27€553
Furniture and vehicles24€553
Current assets29/58€20,970
Amounts receivable within one year40/41€17,918
Trade receivables40€17,918
Cash at bank and in hand54/58€3,051
Equity and liabilities
Total equity and liabilities10/49€21,523
Equity10/15€12,170
Contributions10/11€333
Profit (loss) carried forward14€11,837
Amounts payable17/49€9,353
Amounts payable within one year42/48€9,353
Trade debts44€1,474
Suppliers440/4€1,474
Taxes, remuneration and social security45€6,273
Taxes450/3€6,273
Other amounts payable47/48€1,607
Income statement Code2024
Turnover70€17,566
Goods, raw materials, services and sundry goods60/61€1,165
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,202
Other operating charges640/8€387
Gross operating margin9900€16,401
Operating profit (loss)9901€14,812
Profit (loss) for the period before taxes9903€14,812
Income taxes67/77€2,975
Profit (loss) for the period9904€11,837
Profit (loss) for the period to be appropriated9905€11,837
Appropriation of the result
Profit (loss) to be appropriated9906€11,837

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2024
Turnover70€17,566
Goods, raw materials, services and sundry goods60/61€1,165
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,202
Other operating charges640/8€387
Gross operating margin9900€16,401
Operating profit (loss)9901€14,812
Profit (loss) for the period before taxes9903€14,812
Income taxes67/77€2,975
Profit (loss) for the period9904€11,837
Profit (loss) for the period to be appropriated9905€11,837
Line2024
Assets
Total assets20/58€21,523
Fixed assets21/28€553
Tangible fixed assets22/27€553
Furniture and vehicles24€553
Current assets29/58€20,970
Amounts receivable within one year40/41€17,918
Trade receivables40€17,918
Cash at bank and in hand54/58€3,051
Equity and liabilities
Total equity and liabilities10/49€21,523
Equity10/15€12,170
Contributions10/11€333
Profit (loss) carried forward14€11,837
Amounts payable17/49€9,353
Amounts payable within one year42/48€9,353
Trade debts44€1,474
Suppliers440/4€1,474
Taxes, remuneration and social security45€6,273
Taxes450/3€6,273
Other amounts payable47/48€1,607
Line2024
Profit (loss) for the period9904€11,837
+ Depreciation and write-downs630€1,202
Operating cash flow (approximation)€13,039

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2025
22-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Grimbergen · 1 establishment unit since 2024
seat establishment The establishment unit on the map
Ground area
643 m²
Building footprint
209 m²
Volume, LiDAR
1,191 m³
Parcel 23402E0266/00P007, Flanders · tallest building 11.4 m, ±2 floors. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
Wolvertemsesteenweg 14, 1850 Grimbergen
Retail trade
since 20242.371.614.564
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
23402E0266/00P007 Flanders 643 m² 1 · 209 m² 11.4 m · 2 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

Of 82,642 companies in sector 70200 we hold annual accounts for 52,590. 25,129 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded11-11-2024
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
62900Other information technology and computer services
63920Other information service activities
64210Activities of holding companies
82100Office administrative and support services
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID 0208:1016079750
Registered 06-12-2025

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.