FINABEX
ActiveSummary
FINABEX is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (-€1,567) and a net result of -€9,153. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 66 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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. That is why we show no financial axes either.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 66 sector peers (2025).
NBB · sector comparisonPosition among 66 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-08-2026, 13 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
13 d late
2024
27 d late
2023
30 d early
2022
42 d early
2021
29 d late
2020
26 d late
2019
25 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 7 days after the deadline; the sector median for financial year 2024 is 29 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 13 August (4 of the last 5 filed years within 42 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
-€1,567
2024 · €7,586
Net result
-€9,153▼ 10.7%
2024 · -€8,265
Total assets
€1,429▼ 86.4%
2024 · €10,497
Solvency
-109.6%▼ 181.9pp
2024 · 72.3%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 65, Insurance, reinsurance and pension funding, except compulsory social security, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover
Operating result€2,193▼ 75.6%-€157-€5,622▼ 3,472%-€8,168▼ 45.3%-€9,019▼ 10.4%
Net result€1,317within the sector's middle half▼ 80.3%-€307below the sector's middle half-€5,844below the sector's middle half▼ 1,804%-€8,265below the sector's middle half▼ 41.4%-€9,153below the sector's middle half▼ 10.7%
Equity€22,002within the sector's middle half▲ 6.4%€21,695below the sector's middle half▼ 1.4%€15,852below the sector's middle half▼ 26.9%€7,586below the sector's middle half▼ 52.1%-€1,567below the sector's middle half
Total assets€28,361below the sector's middle half▲ 6.8%€24,933below the sector's middle half▼ 12.1%€19,627below the sector's middle half▼ 21.3%€10,497below the sector's middle half▼ 46.5%€1,429below the sector's middle half▼ 86.4%
Debt€6,359▲ 8.3%€3,238▼ 49.1%€3,775▲ 16.6%€2,911▼ 22.9%€2,995▲ 2.9%
Working capital€21,833within the sector's middle half▲ 7.0%€21,526within the sector's middle half▼ 1.4%€15,501within the sector's middle half▼ 28.0%€7,235within the sector's middle half▼ 53.3%-€1,917within the sector's middle half
Solvency77.6%above the sector's middle half▼ 0.3pp87.0%above the sector's middle half▲ 9.4pp80.8%above the sector's middle half▼ 6.2pp72.3%within the sector's middle half▼ 8.5pp-109.6%below the sector's middle half▼ 181.9pp
Current ratio4.43within the sector's middle half▼ 0.047.65above the sector's middle half▲ 3.225.11above the sector's middle half▼ 2.543.49within the sector's middle half▼ 1.62
Return on assets (ROA)4.6%within the sector's middle half▼ 20.6pp-1.2%below the sector's middle half▼ 5.9pp-29.8%below the sector's middle half▼ 28.5pp-78.7%below the sector's middle half▼ 49.0pp
above
within
below
the middle half (P25 to P75) of NACE 65, Insurance, reinsurance and pension funding, except compulsory social security, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €9,019 in 2025 against €8,168 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1,429
Fixed assets
€351 =
Current assets
€1,078 ▼ 89.4%
Key figures and ratios
Debt ≤ 1 year
€2,995▲
2024 · €2,911
Ratios withheld: a balance sheet total of €1,429 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €287 | €0 | - | - | - | - |
| Other operating charges640/8 | €1,742 | €821 | €816 | €16 | €389 | ▲ 2,301% |
| Gross operating margin9900 | €4,222 | €664 | -€4,806 | -€8,152 | -€8,630 | ▼ 5.9% |
| Operating profit (loss)9901 | €2,193 | -€157 | -€5,622 | -€8,168 | -€9,019 | ▼ 10.4% |
| Financial income75/76B | - | - | - | €0 | €0 | ▼ 100% |
| Recurring financial income75 | - | - | - | €0 | €0 | ▼ 100% |
| Financial charges65/66B | €182 | €142 | €221 | €97 | €134 | ▲ 37.5% |
| Recurring financial charges65 | €182 | €142 | €221 | €97 | €134 | ▲ 37.5% |
| Profit (loss) for the period before taxes9903 | €2,011 | -€299 | -€5,844 | -€8,265 | -€9,153 | ▼ 10.7% |
| Income taxes67/77 | €694 | €8 | €0 | - | - | - |
| Profit (loss) for the period9904 | €1,317 | -€307 | -€5,844 | -€8,265 | -€9,153 | ▼ 10.7% |
| Profit (loss) for the period to be appropriated9905 | €1,317 | -€307 | -€5,844 | -€8,265 | -€9,153 | ▼ 10.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €28,361 | €24,933 | €19,627 | €10,497 | €1,429 | ▼ 86.4% |
| Fixed assets21/28 | €169 | €169 | €351 | €351 | €351 | = |
| Plant, machinery and equipment23 | €0 | - | - | - | - | - |
| Financial fixed assets28 | €169 | €169 | €351 | €351 | €351 | = |
| Current assets29/58 | €28,192 | €24,764 | €19,276 | €10,146 | €1,078 | ▼ 89.4% |
| Amounts receivable within one year40/41 | €439 | €439 | €1,544 | €237 | €229 | ▼ 3.5% |
| Trade receivables40 | - | - | €182 | €0 | - | - |
| Other amounts receivable41 | €439 | €439 | €1,362 | €237 | €229 | ▼ 3.5% |
| Cash at bank and in hand54/58 | €27,753 | €24,325 | €17,731 | €9,909 | €828 | ▼ 91.6% |
| Deferred charges and accrued income490/1 | - | - | - | - | €21 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €28,361 | €24,933 | €19,627 | €10,497 | €1,429 | ▼ 86.4% |
| Equity10/15 | €22,002 | €21,695 | €15,852 | €7,586 | -€1,567 | ▼ 121% |
| Contributions10/11 | €7,000 | €7,000 | €7,000 | €7,000 | €7,000 | = |
| Reserves13 | €173 | €173 | €173 | €173 | €173 | = |
| Non-distributable reserves130/1 | €173 | €173 | €173 | €173 | €173 | = |
| Reserves not available under the articles1311 | - | €173 | €173 | €173 | €173 | = |
| Other1319 | €173 | - | - | - | - | - |
| Profit (loss) carried forward14 | €14,829 | €14,522 | €8,678 | €413 | -€8,740 | ▼ 2,217% |
| Amounts payable17/49 | €6,359 | €3,238 | €3,775 | €2,911 | €2,995 | ▲ 2.9% |
| Amounts payable within one year42/48 | €6,359 | €3,238 | €3,775 | €2,911 | €2,995 | ▲ 2.9% |
| Trade debts44 | €2,918 | €0 | €182 | €0 | €31 | - |
| Suppliers440/4 | €2,918 | €0 | €182 | €0 | €31 | - |
| Taxes, remuneration and social security45 | €754 | €751 | €1,116 | €38 | €38 | = |
| Taxes450/3 | €754 | €751 | €1,116 | €38 | €38 | = |
| Other amounts payable47/48 | €2,687 | €2,487 | €2,477 | €2,873 | €2,927 | ▲ 1.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1,317 | -€307 | -€5,844 | -€8,265 | -€9,153 | ▼ 10.7% |
| + Depreciation and write-downs630 | €287 | €0 | - | - | - | - |
| Operating cash flow (approximation) | €1,604 | -€307 | -€5,844 | -€8,265 | -€9,153 | ▼ 10.7% |
| Investment in fixed assets (approximation) | - | €0 | -€182 | €0 | €0 | - |
| Change in cash | - | -€3,428 | -€6,593 | -€7,823 | -€9,081 | ▼ 16.1% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
13-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 13 days late
2025
31-12
Financial
Weakest financial yearnet -€9,153
Net result drops to -€9,153, the lowest in the series.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
31-12
Financial
Highest result since 2018net €6,693 ▲89.8%
Operating result €8,987, net result €6,693, both a record.
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 acts for this company are 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, Sint-Agatha-Berchem · 1 establishment unit since 2015
Ground area
2,983 m²
Building footprint
1,288 m²
Volume, LiDAR
41,449 m³
Parcel 21003A0289/00L011, Brussels · tallest building 47.0 m, ±11 floors. Linked by address, not a title deed.
98
companies at this address
See who is registered here
1 establishment unit
Keizer Karellaan 584, 1082 Sint-Agatha-Berchem
since 20152.254.020.771
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21003A0289/00L011 | Brussels | 2,983 m² | 1 · 1,288 m² | 47.0 m · 11 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.
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Of 95 companies in sector 65112 we hold annual accounts for 53. 11 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
Founded04-11-2015
Fiscal year end31-12
Activities, NACEBEL 2025
65112Insurance, reinsurance and pension funding, except compulsory social security
46190Agents in non-specialised wholesale trade
Contact
Website
www.finabex.comSint-Agatha-Berchem
E-mail
info@finabex.comSint-Agatha-Berchem
Phone
0475 292 862Sint-Agatha-Berchem
E-invoicing
Reachable via Peppol
Peppol ID
0208:0642660335
Also
9925:BE0642660335
Registered
20-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.