Fin4em
ActiveSummary
Fin4em has been active since 2014 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €23,998 and a net result of €260. Equity has been growing by about 29% per year since 2018. The computed 12-month bankruptcy probability is 0.2% (very low).
Overview
Official details
Source: KBO- Status
- Active since 17-02-2014 Normal situation
- Activity
- No activity registered in the KBO
- Establishment unit
- 2.227.476.326 1755 Pajottegem, since 14-02-2014
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.2%
- Gross margin
- €5,718
- ▼ 29.3%
- Turnover
- ≈ €44,000
- estimated
- Profit
- €260
- ▼ 94.4%
- Equity
- €23,998
- ▼ 51.4%
- Total assets
- €62,697
- ▼ 41.9%
- 2025 accounts filed 30 days after the deadline
Score breakdownraises riskNo main activity registeredlowers riskSize: total assets €62,697Liquidity: current ratio 1.20, cash €34,491, halvedFounded in 2014Show the evidence
Checked score
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro). It does better than 37% of them on solvency, 68% on liquidity, 34% on profitability and 9% on growth.
The bankruptcy probability was computed on 02-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 7 accounts on average 47 days after the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
Key points
- Positive: 6 profitable years in a rowprofit 2025: €260 6 years View
Recent changes
- · Gazette deed Incorporation
Key facts about Fin4em
- What is the company number of Fin4em?
- The company number of Fin4em is 0546.634.095. The VAT number is the same number with BE in front: BE 0546.634.095.
- Where is Fin4em based?
- The registered office is at Terlostraat 12, 1755 Pajottegem.Company details
- What is the legal form of Fin4em?
- The legal form of Fin4em is Private limited company (pre-2019) (BVBA).
- When was Fin4em founded?
- Fin4em was founded on 17-02-2014.
- Is Fin4em still active?
- Yes, Fin4em is an active enterprise in the KBO register.
- What is the turnover of Fin4em?
- The turnover in financial year 2025 is ≈ €44,000. This figure is estimated from the gross margin of €5,718 and 6,321 comparable companies of the same size. It probably lies between €20,000 and €100,000. It is a rough estimate.Financials
- Is Fin4em profitable?
- In financial year 2025, Fin4em made a profit of €260.
- Where can I find the annual accounts of Fin4em?
- Fin4em filed 11 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Fin4em due?
- Fin4em must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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