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Complete company report
Generated 31-07-2026
Active BE 0804.760.302Private limited company

Fin&Serv GVD

Doolstraat 48 ·2275 Lille, Belgium· 2 yrs active
Sector: NACE 66191 (66191)
Conclusion Checked

Fin&Serv GVD is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €11k and a net result of €6k. Its solvency ranks better than 29% of 763 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €11k
Net result €6k
Better than sector 29%
Active 2 yrs
Snowflake analysis 5 axes · computed by Checked
Health0Profitability100Solvency30Growth50Stability67
49 / 100

Mixed profile: strong on profitability, weaker on health.

Health 0
Profitability 100
Solvency 30
Growth 50
Stability 67
Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
Young company
Founded in 2023, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.
Financial overview1 NBB filings
Annual accounts filed on 01-07-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 66 · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 16.1% 38.7%
better than 29% of 763 sector peers
Net result €6k €28k
better than 28% of 762 sector peers
Equity €11k €62k
better than 20% of 763 sector peers
Gross operating margin €23k €66k
better than 25% of 760 sector peers
Staff costs €10k €63k
higher than 17% of 265 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Revenuen/a
EBITDAn/a
Net profit€6k
Cash flown/a
Staff costs€10k
Income taxes€1k
Dividends-
Total assets€66k
Equity€11k
Debt€55k
of which ≤ 1y€10k
of which > 1y€45k
Working capitaln/a
Employees (FTE)-
Ratios (computed)
2024
Current ration/a
Quick ration/a
Working capital ration/a
Solvency16.1%
Debt / equityn/a
Long-term debt ration/a
Interest coveragen/a
Gross marginn/a
Net marginn/a
ROA8.6%
ROE53.1%
EBITDA marginn/a
Days sales outstandingn/a
Days payable outstandingn/a
Inventory turnovern/a
Days inventory (DSI)n/a
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€66k
Fixed assets 21/28€52k
Intangible fixed assets 21€47k
Tangible fixed assets 22/27€5k
Current assets 29/58€14k
Cash & bank 54/58€14k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€66k
Equity 10/15€11k
Contributions / capital 10/11€5k
Reserves 13€6k
Amounts payable 17/49€55k
Amounts payable after one year 17€45k
Amounts payable within one year 42/48€10k
Trade debts payable within one year 44€2k
Income statement
Gross operating margin 9900€23k
Operating result 9901€9k
Financial charges 65€2k
Result before taxes 9903€7k
Income taxes 67/77€1k
Net result for the period 9904€6k
Result to be appropriated 9905€6k
Ratios computed by Checked.
Legal Structure
NACE primary 66191
Legal form Private limited company(610)
Incorporation11-08-2023
StatusActive
Postal code2275
Establishment units 1 location
Fin&Serv GVD
Dorpsstraat 32, 2950 KapellenAgenten en makelaars in bankdiensten
since 20232.348.211.335
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

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.

Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
13009D0097/00A000 Flanders 1,813 m² 1 · 152 m² 8.3 m · 2 fl.
11902E0287/00G000 Flanders 192 m² 1 · 128 m² 14.2 m · 3 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 2 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
01-07-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
13-06-2024
State Gazette act Registered-office change
Belgisch Staatsblad, acts 1 acts
Address history · 1
13-06-2024
Registered-office move
All acts · 1 updated 2 years ago
2024
13-06-2024 Registered office moved from Turnhout to Lille Registered-office change
  • Antoine Coppenslaan 11 bus 15 2300 Turnhout → Doolstraat 48 2275 Lille
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "combined",
      "new_address": {
        "raw": "Doolstraat 48 2275 Lille",
        "city": "Lille",
        "region": "foreign",
        "street": "Doolstraat",
        "country": "FR",
        "postcode": "2275",
        "box_number": null,
        "street_number": "48",
        "locality_suffix": null
      },
      "old_address": {
        "raw": "Antoine Coppenslaan 11 bus 15 2300 Turnhout",
        "city": "Turnhout",
        "region": "vlaams_gewest",
        "street": "Antoine Coppenslaan",
        "country": "BE",
        "postcode": "2300",
        "box_number": "15",
        "street_number": "11",
        "locality_suffix": null
      },
      "effective_date": null,
      "evidence_quote": "",
      "region_changed": true,
      "is_statute_change": true,
      "nationality_change": true,
      "old_address_source": "header_volledig_adres",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "not_specified",
      "statutaire_vs_werkelijke": "beide",
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": true,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2024-06-13",
    "filing_date": "2024-06-04",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
    "body": "algemene_vergadering",
    "date": "2024-02-05",
    "unanimous": null
  },
  "subject_company": {
    "kbo": "0804.760.302",
    "name_full": "Fin\u0026Serv GVD",
    "legal_form": "besloten vennootschap"
  },
  "publication_proxy": {
    "kind": "org",
    "org_kbo": null,
    "org_name": "ACERTA Ondernemingsloket VZW",
    "person_name": null,
    "org_rep_person_name": "Iris Carsau",
    "person_role_at_subject": null
  },
  "co_filed_documents": [
    "Bijlagen bij het Belgisch Staatsblad"
  ]
}
Credit advice verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Company registry (CBE) Crossroads Bank
Activities
Agenten en makelaars in bankdiensten66191Overige ondersteunende activiteiten in verband met financiële diensten, exclusief verzekeringen en pensioenfondsen, n.e.g.66199Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen66199Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200
Primary activity highlighted.
Names & trade names
Legal nameNL Fin&Serv GVD
Registered office
Doolstraat 48
2275 Lille, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative