FIN FORWARD
The computed 12-month bankruptcy probability of FIN FORWARD is 0.3% (very low). The 2025 annual accounts show equity of €1.28M and a net result of €33k. Equity is growing by ~10.1% per year across the filed fiscal years. Its solvency ranks better than 52% of 500 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €1.28M |
| Net result | €33k |
| Staff (FTE) | 38.3 |
| Better than sector | 52% |
Strong profile, led by stability.
All 5 axes are computed from data Checked has read.
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
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The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 47.1% | 44.9% | |
| Net result | €33k | €55k | |
| Equity | €1.28M | €214k | |
| Gross operating margin | €1.29M | €98k | |
| Staff costs | €1.20M | €139k |
| Fiscal year | 2025 |
|---|---|
| Deposit | verkort |
| Revenue | - |
| EBITDA | €80k |
| Net profit | €33k |
| Cash flow | €46k |
| Staff costs | €1.20M |
| Income taxes | €5k |
| Dividends | - |
| Total assets | €2.72M |
| Equity | €1.28M |
| Debt | €1.44M |
| of which ≤ 1y | €1.16M |
| of which > 1y | €280k |
| Working capital | €-387k |
| Employees (FTE) | 38.3 |
| 2025 | |
|---|---|
| Current ratio | 0.67 |
| Quick ratio | 0.67 |
| Working capital ratio | -14.2% |
| Solvency | 47.1% |
| Debt / equity | 1.12 |
| Long-term debt ratio | 0.22 |
| Interest coverage | 2.54 |
| Gross margin | - |
| Net margin | - |
| ROA | 1.2% |
| ROE | 2.5% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €2.72M |
| Fixed assets | 21/28 | €1.95M |
| Intangible fixed assets | 21 | €1.81M |
| Tangible fixed assets | 22/27 | €135k |
| Financial fixed assets | 28 | €3k |
| Current assets | 29/58 | €769k |
| Amounts receivable within one year | 40/41 | €488k |
| Cash & bank | 54/58 | €194k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €2.72M |
| Equity | 10/15 | €1.28M |
| Contributions / capital | 10/11 | €378k |
| Reserves | 13 | €901k |
| Amounts payable | 17/49 | €1.44M |
| Amounts payable after one year | 17 | €280k |
| Amounts payable within one year | 42/48 | €1.16M |
| Trade debts payable within one year | 44 | €196k |
| Income statement | ||
| Gross operating margin | 9900 | €1.29M |
| Operating result | 9901 | €67k |
| Financial income | 75 | €2k |
| Financial charges | 65 | €32k |
| Result before taxes | 9903 | €37k |
| Income taxes | 67/77 | €5k |
| Net result for the period | 9904 | €33k |
| Result to be appropriated | 9905 | €33k |
-
ORVIA BVLegal entityDirector· perm. rep.: Kristel SeymusState Gazette act 25086230 (09-07-2025)Current04-06-2025 → present
-
Current18-01-2021 → present
Historic, not recently confirmed (3)
-
Not recently confirmedlast confirmed in an act from 2020
-
Not recently confirmedlast confirmed in an act from 2020
-
Not recently confirmedlast confirmed in an act from 2020
2 events
- 19-06-2020 Resigned· Director
- 19-06-2020 Appointed· Director
| NACE primary | Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies(70200) |
| Legal form | Private limited company(610) |
| Incorporation | 25-10-2018 |
| Status | Active |
| Postal code | 9051 |
Each band states what its claims rest on. A board seat is influence over the board, not ownership. Court mandates (receiver, interim administrator) and liquidation mandates do not link companies and are therefore absent here; they belong under Directors & mandates.
Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44062B0056/00K000 ProtectedMonument · Townscape or village viewStationsgebouw Sint-Denijs-Westrem: hoofdgebouw en rechter bijgebouwSource ↗ |
Flanders | 774 m² | 1 · 282 m² | 11.8 m · 2 fl. |
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
28-11-2025 Articles of association amended
Technical details
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}09-07-2025 1 director appointed, 1 resigning
- Kristel Seymus, Bestuurder
- CHADELSO BV, Bestuurder
Technical details
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"effective_date": "2025-06-04",
"evidence_quote": "De algemene vergadering beslist tot de benoeming van BV Orvia, met zetel te 9140 Temse Frank Van Dyckelaan 7 bus B, als niet-statutaire bestuurder, en dit met ingang op 04/06/2025."
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}02-04-2025 Change in the board of directors
Technical details
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}23-01-2025 Articles of association amended
Technical details
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{
"quote": "De vergadering verleent een bijzondere volmacht aan de besloten vennootschap \u0022ACTES\u0022, met zetel te 9090 Melle, Brusselsesteenweg 107, ondernemingsnummer 0438.361.113, RPR Gent afdeling Gent, evenals aan haar bedienden, aangestelden en lasthebbers, elk van hen bevoegd om afzonderlijk te handelen en allen woonplaats kiezende op de zetel van de Vennootschap, met mogelijkheid tot indeplaatsstelling, om alle nuttige of noodzakelijke formaliteiten te vervuilen en tot het afsluiten van alle overeenkomsten en akkoorden, die ten gevolge van deze akte en ook ten gevolge van toekomstige feiten en controles zouden nuttig of noodzakelijk zijn, bij alle private en publiekrechtelijke instellingen en onder meer met betrekking tot de ondernemingsrechtbanken, de Kruispuntbank van Ondernemingen, de ondernemingsloketten, de BTW-administratie, de andere fiscale administraties en andere instanties, ten einde in naam van de Vennootschap alle documenten te ondertekenen.",
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}16-05-2024 Registered office moved from Sint-Martens-Latem to Sint-Denijs-Westrem
- Kortrijksesteenweg 189, 9830 Sint-Martens-Latem → Jean-Baptiste de Ghellincklaan 2, 9051 Sint-Denijs-Westrem
Technical details
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"effective_date": "2024-03-01",
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}23-05-2022 Registered office moved within Sint-Martens-Latem
- Kortrijksesteenweg 62, 9830 Sint-Martens-Latem → Kortrijksesteenweg 189, 9830 Sint-Martens-Latem
Technical details
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"street_number": "62"
},
"effective_date": "2022-03-21",
"evidence_quote": "De vergadering beslist dat de zetel van de vennootschap zal worden verplaatst van Kortrijksesteenweg 62, 9830 Sint-Martens-Latem naar Kortrijksesteenweg 189 bus 2, 9830 Sint-Martens-Latem, en dit vanaf 21/03/2022."
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}18-01-2021 Articles of association amended
Technical details
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}20-10-2020 Articles of association amended
Technical details
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}26-06-2020 3 directors appointed, 1 resigning
- Tanghe Edwig, Bestuurder
- Descamps Patrick, Bestuurder
- Buysse Sophie, Bestuurder
- Tanghe Edwig, Bestuurder
Technical details
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"via_org": {
"kbo": "0746463696",
"name": "Moai",
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"evidence_quote": "De vergadering besluit te benoemen tot niet-statutair bestuurders van de vennootschap voor onbepaalde duur: ... - de BV Moai, gevestigd te 9840 De Pinte, Grote Steenweg 114 A, RPR 0746.463.696, vast vertegenwoordigd door mevrouw Buysse, Sophie"
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}29-10-2018 Incorporation of a new BV
Technical details
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"founders": [
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"dob": "1976-04-23",
"name": "Stockmans Timothee Edouard",
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}Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
| Legal nameNL | FIN FORWARD |