Equity
€1,000 from €205,139 in 2022
Equity fell by 100% in 3 years.
Finacku
Lifetime
6 annual accounts with figures on one time axispeak €111,762 (2023)
€69,559▲ 9.4%
peak €73,823 (2022)
€44,958▲ 22.8%
peak €205,139 (2022)
€1,000unchanged
€104,279▲ 10.8%
Board1 name since 2020
1 directorBraem Kurt
Documentsfilings and deeds
13-02-2026168 days before the deadline
2025micro format
Dividend €44,958Cash from €61,254 to €87,216
Key points
from the 2025 annual accountsDebts
€104,279 99% of the balance sheet
Position in the sector
€1,000
Less equity than 90% of companies in head offices and management consultancy. Sector median €78,242 · 39,374 companies.
Checked score
93
Excellent
Financially stronger than 42% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,555 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.1%▼ -0.1 percentage points vs 01-2025
03-2025: 0.2%▲ +0.1 percentage points vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.2%● unchanged vs 06-2025highest value
08-2025: 0.2%● unchanged vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.1%▼ -0.1 percentage points vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026lowest value
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Equity €1,000 (0.9% of total assets)
lowers risk
Sector: Activities of head offices; management consultancy activities (NACE 70)
Size: total assets €105,279
Liquidity: current ratio 0.89, cash €87,216
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 (NACE 70, micro). It does better than 10% of them on solvency, 33% on liquidity, 84% on profitability and 40% on growth.
The bankruptcy probability was computed on 06-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 2,153 companies had the same profile as Finacku has now. Each dot stands for 6 companies, two years later.
96.1%
were still trading
2.2%
stopped another way
1.7%
went bankrupt
The bankruptcy probability of Finacku itself is lower: 0.1% within 12 months. It rests on far more data about Finacku than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,153 companies, not a prediction for Finacku. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 39342 sector peers (2025).
NBB · sector comparisonPosition among 39342 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-02-2026, 168 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
168 days early
2024
30 days early
2023
31 days early
2022
22 days early
2021
28 days early
2020
18 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 50 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 1 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
07-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0740771776
Registered office moved from Gistel to Beernem
New registered office: Oudeputstraat 1E, 8730 Beernem (Oedelem) · Previous registered office: Vaartstraat 31, 8470 Gistel · Board meeting of 29-09-2023 · Gazette deed
Registered office moved from Bruges to Gistel
New registered office: Vaartstraat 31, 8470 Gistel · Previous registered office: 8200 Brugge (Sint-Michiels) · Board meeting of 09-06-2021 · Gazette deed
Incorporation
published on 08-01-2020 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Finacku Beernem | €105,279 | €69,559 | 0.9% | - |
| BOUMONT COMPANY Damme | €91,303 | €60,686 | 5.7% | - |
| MLM Spectre Jabbeke | €128,157 | €63,928 | 11.9% | - |
| ADVIMA Waregem | €93,052 | €59,487 | 76.3% | - |
| Leogard Anzegem | €129,688 | €65,244 | 52.2% | - |
| KriGoo Ostend | €109,334 | €65,973 | 0.9% | - |
| DSB Consulting Deerlijk | €92,113 | €62,254 | 77.9% | - |
These companies have the same main activity as Finacku: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €91,300 and €130,000, founded between 2019 and 2021.
Official details
Source: KBO- Status
- Active since 06-01-2020Normal situation
- Activity
- Business and other management consultancyNACE 70200and 2 others
- Joint committee
- 200Auxiliary committee for white-collar workers · annual accounts 2024
- Establishment unit
- 2.297.469.0518730 Beernem, since 06-01-2020
- Financial year end
- 31 December
- Peppol
- Reachable since 17-09-2026
Annual accounts 2025
- ≈ €140,000estimated
- €105,279▲ 10.7%
- Filing
- Filed on 13-02-2026, 168 days before the end of the filing period
Insights on Finacku
Finacku files the micro format. That format states no turnover. The gross margin fell from €79,220 in 2020 to €69,559 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Finacku
- What is the company number of Finacku?
- The company number of Finacku is 0740.771.776. The VAT number is the same number with BE in front: BE 0740.771.776.
- Where is Finacku based?
- The registered office is at Oudeputstraat 1, 8730 Beernem.Company details
- What does Finacku do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of Finacku?
- Finacku is a private limited company (BV).
- When was Finacku founded?
- Finacku was founded on 06-01-2020.
- Is Finacku still active?
- Yes, Finacku is an active enterprise in the KBO register.
- How many employees does Finacku have?
- Finacku had an average of 1 full-time equivalents in financial year 2023, according to the filed annual accounts.Financials
- Which joint committee does Finacku fall under?
- In its 2024 annual accounts, Finacku states joint committee 200 (Auxiliary committee for white-collar workers).
- What is the turnover of Finacku?
- The turnover in financial year 2025 is ≈ €140,000. This figure is estimated from the gross margin of €69,559 and 120 comparable companies (NACE 70200). It probably lies between €110,000 and €180,000.
- Is Finacku profitable?
- In financial year 2025, Finacku made a profit of €44,958.
- Where can I find the annual accounts of Finacku?
- Finacku filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Finacku due?
- Finacku must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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