FINAFLAM AND PARTNERS

Active

Private limited companyfounded 1996active for 29 yearsRoute de Ramillies 6, 5310 Eghezée, BelgiumKBO/BCE: BE 0459.118.024

Summary

FINAFLAM AND PARTNERS has been active since 1996 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €532,307 and a net result of €76,412. Equity is growing by about 4.6% per year across the filed financial years. Its solvency ranks better than 66% of 12,672 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisFollow Report Compare

FINAFLAM AND PARTNERSActiveChecked score 92/100

Risk analysis Report Compare

Activity

Retail sale of automotive fuel

NACE 47300

9th largest employer in Eghezée, Wholesale and retail trade sector1 site

Size

€1.0mtotal assets 2025

Staff: 4.8 FTE
Equity: €532,307
Profit: €76,412

Financial health

92 Excellent Checked score 2025

Bankruptcy probabilitywithin 12 months: 0.2%

Structure

FLAMEND Olivier Joseph Marie GhislainDirector

2025 accounts 16 days early1 of 3 deeds summarised

Why 92raises riskSector: Retail trade (NACE 47)lowers riskFounded in 1996Equity €532,307 (52.0% of total assets)Figures for financial year 2025 (filed 15-07-2026)Show the evidence

Checked score

Score 2025

92 / 100

Excellent

Probability in this band: under 0.55%

Financially better than 66% of its sector peers (NACE 47, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Strong

Solvency 77+10

equity 52.0% of total assets

Liquidity 55+3

short-term debt 20.3% · cash 9.2%

Profitability 78+4

return on assets 7.5%

Bankruptcy probability, 12 months

0.2% Very low

0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,231 companies, NACE 47, micro)

Last 24 months 11-2024: 0.4% 12-2024: 0.4%● unchanged vs 11-2024 01-2025: 0.4%● unchanged vs 12-2024 02-2025: 0.4%● unchanged vs 01-2025 03-2025: 0.4%● unchanged vs 02-2025 04-2025: 0.3%▼ -0.1 percentage points vs 03-2025 05-2025: 0.3%● unchanged vs 04-2025 06-2025: 0.3%● unchanged vs 05-2025 07-2025: 0.5%▲ +0.2 percentage points vs 06-2025highest value 08-2025: 0.2%▼ -0.3 percentage points vs 07-2025 09-2025: 0.2%● unchanged vs 08-2025 10-2025: 0.2%● unchanged vs 09-2025 11-2025: 0.2%● unchanged vs 10-2025 12-2025: 0.2%● unchanged vs 11-2025 01-2026: 0.2%● unchanged vs 12-2025 02-2026: 0.2%● unchanged vs 01-2026 03-2026: 0.2%● unchanged vs 02-2026 04-2026: 0.2%● unchanged vs 03-2026 05-2026: 0.2%● unchanged vs 04-2026 06-2026: 0.2%● unchanged vs 05-2026 07-2026: 0.2%● unchanged vs 06-2026 08-2026: 0.2%● unchanged vs 07-2026lowest value 09-2026: 0.2%● unchanged vs 08-2026lowest value 10-2026: 0.2%● unchanged vs 09-2026lowest value

Credit of up to €45,000 on 30-day terms is acceptable

Liquidity ample (current ratio 2.22, compared with 1.61 in 2024, above the usual 1.5; short-term debt: 20.3% and cash: 9.2% of total assets), and 48% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 47, micro): better than 66% on solvency, 61% on liquidity, 68% on profitability and 69% on growth.

The bankruptcy probability was computed on 24-10-2026 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.

lowers riskraises riskneutral

Founded in 1996

Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.

KBO

Equity €532,307 (52.0% of total assets)

NBB · annual accounts

Sector: Retail trade (NACE 47)

KBO

Figures for financial year 2025 (filed 15-07-2026)

NBB · annual accounts

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-07-2026, 16 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

16 days early

2024

23 days early

2023

21 days late

2022

31 days late

2021

31 days late

2020

25 days early

2019

14 days 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 5 days after the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)

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 22 August (4 of the last 5 filed years within 38 days of that day).

Companies Code · seven months

Where today falls in the filing period

25-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

15-07-2026 Annual accounts filedfinancial year 2025 · abbreviated…
31-12-2025 Highest result from 2018 to 2025net €76,412 ▲64.2%
31-12-2025 Equity above €500,000equity €532,307 ▲16.8%

Key points

Positive: 9th largest employer in Eghezée, Wholesale and retail trade sectorin the Checked rankings No. 9 View
Positive: 5 profitable years in a rowprofit 2025: €76,412 5 years View
One director decidessole director in office 1 View

By topic

Financials

Financial year: 2025
Total assets: €1.0m
Profit: €76,412
Solvency: 52.0%

Total assets▼ 4.8%

Net result

20182025

Go to Financials

Board & ownership

Board: 1 member

FLAMEND Olivier Joseph Marie GhislainDirector

Go to Board & ownership

Network & group

Connected companies: 1

Go to Network & group

Timeline

Events: 35
Since: 1998
Next accounts: by 31-07-2027

08-07-2025Annual accounts filed
21-08-2024Annual accounts filed
31-01-2024Purpose · Amendment of the articles ·…

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company
Activity: Retail sale of automotive fuelNACE 47300
Founded: 29-10-1996
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Articles of association

Provisions read: 30

Who signs: Each director alone
Purpose: “La gestion et l'exploitation de stations-services, ainsi que toutes les activités…” (deed in French)

Go to Articles of association

Key facts about FINAFLAM AND PARTNERS

What is the company number of FINAFLAM AND PARTNERS?: 0459.118.024. In Belgium the VAT number is the company number with BE in front: BE 0459.118.024.
Where is FINAFLAM AND PARTNERS based?: The registered office is at Route de Ramillies 6, 5310 Eghezée.Company details
What does FINAFLAM AND PARTNERS do?: According to the KBO register, the main activity is retail sale of automotive fuel (NACE 47300).
What is the legal form of FINAFLAM AND PARTNERS?: Private limited company (BV).
When was FINAFLAM AND PARTNERS founded?: On 29-10-1996.
Is FINAFLAM AND PARTNERS still active?: Yes, FINAFLAM AND PARTNERS is an active enterprise in the KBO register.
How many employees does FINAFLAM AND PARTNERS have?: On average 4.8 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of FINAFLAM AND PARTNERS?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is FINAFLAM AND PARTNERS profitable?: In financial year 2025, FINAFLAM AND PARTNERS made a profit of €76,412.
Where can I find the annual accounts of FINAFLAM AND PARTNERS?: FINAFLAM AND PARTNERS filed 29 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of FINAFLAM AND PARTNERS due?: By 31-07-2027, for financial year 2026.Timeline

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Overview