Liquidity
1.21 was 2.72 in 2025
Short-term debts fell from €1,052 to €263.
FINAM
Lifetime
19 annual accounts with figures on one time axis, 28 filings since 1998peak €14,925 (2022)
-€1,628▼ €5,750
lowest -€9,055 (2007)
-€1,749▼ €4,527
peak €187,725 (2025)
€185,976▼ 0.9%
€263▼ 75.0%
Board2 names since 1995
2 directors and 1 other
Documentsfilings and deeds
20-10-202611 days before the deadline
2026micro format
Gross margin from €4,122 to -€1,628Loss of €1,749Registered office moved from Wezembeek-Oppem to Antwerp 17-04Debts from €1,052 to €263
Key points
from the 2026 annual accountsFilings
28 annual accounts since 1998
Two of the last ten came late. The 2020 accounts came latest: 12 days after the end of the period.
Board
1 joined · 1 left
Board changed. Latest change 14-04-2026 · 1 in office.
Turnover not published (micro format)
Checked score
Bankruptcy probability within 12 months
Financial strength
Score breakdown
Comparable companies, two years later
In July 2024, 12,322 companies had the same profile as FINAM has now. Each dot stands for 31 companies, two years later.
90.3%
were still trading
8.5%
stopped another way
0.7%
went bankrupt
Another 0.4% stopped without a precise date, possibly only after those two years.
Test of the method
The method was tested on the 497,331 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 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
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 12,322 companies, not a prediction for FINAM. 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.
Credit verdict
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Signals
Recent changes
Registered office moved from Wezembeek-Oppem to Antwerp
New registered office: Michel Geysemansstraat 42, 2610 Antwerpen (Wilrijk) · Previous registered office: Hubert Verbomenstraat 7, 1970 Wezembeek-Oppem · Resignation: (statutory director) · General meeting of 14-04-2026 · Gazette deed
Appointment: (statutory director)
General meeting of 02-05-2022 · Gazette deed
First establishment
Hubert Verboomenstraat 7, Wezembeek-Oppem
Incorporation
published on 05-01-1996 · Gazette deed
Official details
Source: KBO- Status
- Active since 14-12-1995Normal situation
- Activity
- “Voor eigen rekening en iedere fysieke persoon of rechtspersoon,van Belgische of buitenlandse nationaliteit,alle verrichtingen…” (deed in Dutch)From the articles, 9 activitiesNo NACE code in the KBO yet
- Establishment unit
- 2.074.844.0541970 Wezembeek-Oppem, since 23-01-1996
- Financial year end
- 31 March
- Peppol
- Not found in the Peppol Directory
Annual accounts to 31-03-2026
- €186,239▼ 1.3%
- Filing
- Filed on 20-10-2026, 11 days before the end of the filing period
Insights on FINAM
FINAM files the micro format. That format states no turnover. The gross margin fell from €4,141 in 2007 to -€1,628 in 2026.
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 FINAM
- What is the company number of FINAM?
- The company number of FINAM is 0456.783.490. The VAT number is the same number with BE in front: BE 0456.783.490.
- Where is FINAM based?
- The registered office is at Michel Geysemansstraat 42, 2610 Antwerp.Company details
- What is the legal form of FINAM?
- FINAM is a private limited company (BV).
- When was FINAM founded?
- FINAM was founded on 14-12-1995.
- Is FINAM still active?
- Yes, FINAM is an active enterprise in the KBO register.
- What is the turnover of FINAM?
- The annual accounts for financial year 2026 state no turnover. The micro format does not require it.Financials
- Is FINAM profitable?
- In financial year 2026, FINAM made a loss of €1,749.
- Where can I find the annual accounts of FINAM?
- FINAM filed 28 annual accounts with the National Bank of Belgium, the latest for financial year 2026.
- When are the next annual accounts of FINAM due?
- FINAM must file the annual accounts for financial year 2027 by 31-10-2027.Timeline
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