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Complete company report
Generated 03-09-2026
Active BE 0438.602.128Private limited company

FINANCE AND ASSET MANAGEMENT

Vergoteplein 19 ·1200 Sint-Lambrechts-Woluwe, Belgium· 36 yrs active
Sector: Markt- en opinieonderzoek (73200)
Conclusion Checked

FINANCE AND ASSET MANAGEMENT has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €253k and a net result of €-600. The computed 12-month bankruptcy probability is 0.7% (low).

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €253k
Net result €-600
Active 36 yrs
Board 1
Financial profile 4 of 5 axes measured · computed by Checked
Health28Profitability0Solvency42Growth-Stability85
39 / 100

Fragile profile, watch profitability in particular.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 28
Profitability 0
Solvency 42
Growth -
Stability 85
Bankruptcy probability (12 mo) Checked model v1 · free
0.7% Low
0%0,5%1,5%4%10%≥25%
Higher-failure-rate region +Long track record −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Long-established
Founded in 1989, 36 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2025 · computed
28 / 100 Weak
050100
Computed from 3 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview37 NBB filings
Annual accounts filed on 24-02-2026 with the NBB · fiscal year 2025 · full schema
Fiscal year2025
Depositfull schema
Revenue-
EBITDA-
Net profit€-600
Cash flow-
Staff costs-
Income taxes-
Dividends-
Total assets€754k
Equity€253k
Debt€501k
of which ≤ 1y€501k
of which > 1y-
Working capital€-501k
Employees (FTE)-
Ratios (computed)
2025
Current ratio0.00
Quick ratio0.00
Working capital ratio-66.4%
Solvency33.5%
Debt / equity1.98
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA-0.1%
ROE-0.2%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts (18 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€754k
Fixed assets 21/28€754k
Financial fixed assets 28€754k
Current assets 29/58€138
Cash & bank 54/58€138
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€754k
Equity 10/15€253k
Contributions / capital 10/11€19k
Reserves 13€2k
Accumulated profits (losses) 14€232k
Amounts payable 17/49€501k
Amounts payable within one year 42/48€501k
Income statement
Gross operating margin 9900€-167
Operating result 9901€-566
Financial charges 65€34
Result before taxes 9903€-600
Net result for the period 9904€-600
Result to be appropriated 9905€-600
Ratios computed by Checked.
Directors & mandates 2 directors
Current directors & mandates
  • DETANDT François
    Director
    State Gazette act 23450316 (08-12-2023)
    Current
    20-09-2002 → present
    2 events
    • 08-12-2023 Appointed· Director
    • 20-09-2002 Appointed· Manager
Former directors (1)
  • Wilham Codrons
    Manager
    State Gazette act 02117779 (20-09-2002)
    Former
    - → 20-09-2002
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary Markt- en opinieonderzoek(73200)
Legal form Private limited company(610)
Incorporation27-09-1989
StatusActive
Postal code1200
Establishment units 1 location
FINAM
Vergoteplein 19, 1200 Sint-Lambrechts-Woluwehet invullen van aangifteformulieren voor de loon- en inkomstenbelasting voor particulieren en bedrijven
since 19892.045.386.936
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Brussels 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21673D0155/00E002 Brussels 256 m² 1 · 113 m² 19.4 m · 5 fl.
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 12 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
24-02-2026
NBB filing Annual accounts filed
fiscal year 2025 · volledig
2025
20-06-2025
NBB filing Annual accounts filed
fiscal year 2024 · volledig
2023
14-12-2023
NBB filing Annual accounts filed
fiscal year 2023 · volledig
08-12-2023
State Gazette act Director changes
Ysaline DONNER
02-02-2023
NBB filing Annual accounts filed
fiscal year 2022 · volledig
2022
23-02-2022
NBB filing Annual accounts filed
fiscal year 2021 · volledig
2021
18-05-2021
NBB filing Annual accounts filed
fiscal year 2020 · volledig
2019
03-12-2019
NBB filing Annual accounts filed
fiscal year 2019 · volledig
07-05-2019
NBB filing Annual accounts filed
fiscal year 2018 · volledig
2018
08-03-2018
NBB filing Annual accounts filed
fiscal year 2017 · volledig
2017
16-02-2017
NBB filing Annual accounts filed
fiscal year 2016 · volledig
2002
20-09-2002
State Gazette act Director changes
Belgian State Gazette reading coverage 0 of 3 acts read

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 2 acts
All acts · 2 updated 2 years ago
2023
08-12-2023 DETANDT François appointed as director Director changes·Ysaline DONNER
  • DETANDT François, Bestuurder
Notary: Ysaline DONNER · La Hulpe
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "administrateur",
      "person": {
        "rrn": null,
        "name": "DETANDT Fran\u00E7ois",
        "address": "1200 Woluwe-Saint-Lambert, Square Vergote 19",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "renewal",
      "via_org": null,
      "statutory": "niet_statutair",
      "compensated": true,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "indefinite",
        "value": null
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "decharge_granted",
      "role": null,
      "person": null,
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "L\u2019assembl\u00E9e g\u00E9n\u00E9rale donne d\u00E9charge compl\u00E8te et enti\u00E8re au g\u00E9rant d\u00E9missionnaire pour l\u2019ex\u00E9cution de son mandat.",
      "decharge_status": "granted",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "board_snapshot",
      "role": null,
      "person": null,
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": "Ysaline DONNER",
    "firm_city": null,
    "firm_name": null,
    "office_city": "La Hulpe",
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2023-12-08",
    "filing_date": "2023-12-06",
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2023-12-01",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0438.602.128",
    "name_full": "FINANCE AND ASSET MANAGEMENT",
    "legal_form": "SRL"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Ysaline DONNER",
    "org_rep_person_name": null,
    "person_role_at_subject": "Notaire"
  },
  "co_filed_documents": [
    "une exp\u00E9dition de l\u0027acte",
    "le texte des statuts coordonn\u00E9s"
  ],
  "corrected_publication_numac": null
}
2002
20-09-2002 1 director appointed, 1 resigning Director changes
  • François Detandt, Zaakvoerder
  • Wilham Codrons, Zaakvoerder
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "gerant",
      "person": {
        "rrn": null,
        "name": "Wilham Codrons",
        "address": "1930 Zaventem - Baron de Boisschotlaan n\u00BA 8",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": "de_plein_droit_dissolution",
      "subkind": null,
      "via_org": null,
      "statutory": "statutair",
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale extraordmaire accepte \u00E0 l\u0027unanimit\u00E9 la d\u00E9mission de Monsieur Wilham Codrons",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_in",
      "role": "gerant",
      "person": {
        "rrn": null,
        "name": "Fran\u00E7ois Detandt",
        "address": "avenue de Tervueren n\u00BA 419 \u00E0 1150 Bruxelles",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": "statutair",
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale extraord\u0131naire accepte \u00E0 l\u0027unanim\u0131t\u00E9 la nomination du g\u00E9rant suivant: Monsieui Fran\u00E7ois Detandt",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Bruxelles",
    "is_associated": false
  },
  "act_meta": {
    "language": "fr",
    "pub_date": "2002-09-20",
    "filing_date": "2002-05-31",
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2002-05-31",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0438.602.128",
    "name_full": "FINANCE AND ASSET MANAGEMENT EN ABR\u00C9G\u00C9 \u0022FINAM\u0022",
    "legal_form": "Soci\u00E9t\u00E9 priv\u00E9e \u00E0 responsabilit\u00E9 limit\u00E9e",
    "_kbo_filled_from_list": true
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Fran\u00E7ois Detandt",
    "org_rep_person_name": null,
    "person_role_at_subject": "G\u00E9ram"
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Markt- en opinieonderzoek73200Marktonderzoekbureaus74131
Primary activity highlighted.
Names & trade names
Legal nameFR FINANCE AND ASSET MANAGEMENT
AbbreviationFR FINAM
Registered office
Vergoteplein 19
1200 Sint-Lambrechts-Woluwe, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative