FinaLem
ActiveSummary
FinaLem has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €58,912 and a net result of €56,412. Its solvency ranks better than 31% of 39,137 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Financials · financial year 2025, micro format
Turnover and EBIT margin not published: the micro format does not require them.
Peer companies
Historical observationOf the 11,280 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 96.6% are still going.
- Micro
- under 2 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
For this company itself Checked computes a bankruptcy probability of < 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,475 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 11,280 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2025 |
|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €850 |
| Gross operating margin9900 | €79,849 |
| Operating profit (loss)9901 | €78,999 |
| Financial charges65/66B | €4,217 |
| Recurring financial charges65 | €4,217 |
| Profit (loss) for the period before taxes9903 | €74,782 |
| Income taxes67/77 | €18,370 |
| Profit (loss) for the period9904 | €56,412 |
| Profit (loss) for the period to be appropriated9905 | €56,412 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €185,871 | |
| Fixed assets21/28 | €3,779 | |
| Intangible fixed assets21 | €656 | |
| Tangible fixed assets22/27 | €3,123 | |
| Furniture and vehicles24 | €3,123 | |
| Current assets29/58 | €182,092 | |
| Amounts receivable within one year40/41 | €12,527 | |
| Trade receivables40 | €12,441 | |
| Other amounts receivable41 | €85 | |
| Cash at bank and in hand54/58 | €167,836 | |
| Deferred charges and accrued income490/1 | €1,729 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €185,871 | |
| Equity10/15 | €58,912 | |
| Contributions10/11 | €2,500 | |
| Profit (loss) carried forward14 | €56,412 | |
| Amounts payable17/49 | €126,959 | |
| Amounts payable within one year42/48 | €125,980 | |
| Trade debts44 | €26,647 | |
| Suppliers440/4 | €26,647 | |
| Taxes, remuneration and social security45 | €71,367 | |
| Taxes450/3 | €71,367 | |
| Other amounts payable47/48 | €27,967 | |
| Accrued charges and deferred income492/3 | €979 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €56,412 |
| + Depreciation and write-downs630 | €850 |
| Operating cash flow (approximation) | €57,262 |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (1)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 09-06-2026 | 2026-00147246 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.