FINANCE EXPERTISE 4 YOU

Active

Private limited companyfounded 1992active for 34 yearsRue de la Procession 23B, 1460 Ittre, BelgiumKBO/BCE: BE 0446.595.423

From the official registers: KBO 32 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

FINANCE EXPERTISE 4 YOU has been active since 1992 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €627,408 and a net result of €477,560. Equity has been growing by about 42% per year since 2019. Its solvency ranks better than 75% of 15,759 sector peers (NACE 69, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

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FINANCE EXPERTISE 4 YOUActiveChecked score 97/100

Risk analysis Report Compare

Official details

KBO

Status: Active since 04-02-1992 Normal situation
Legal form: Private limited company
Registered office: Rue de la Procession 23B, 1460 Ittre
Activity: Certified accountants and tax accountants NACE 69201and 2 others
Establishment units: 2.056.879.159 1050 Elsene, since 22-09-1995
: 2.195.369.326 1460 Ittre, since 01-01-2011
Financial year end: 30 June
Peppol: Reachable since 17-08-2026

Company details

Board and ownership

Board

SPINETTE MARILYNDirector · since 04-02-1992

Board & ownership

Financial position

97 Excellent Checked score 2025

Bankruptcy probabilitywithin 12 months: < 0.1%

Annual accounts to 30-06-2025

Gross margin: €743,008; ▲ 230%
Turnover: ≈ €1.3m; estimated
Profit: €477,560; ▲ 390%
Equity: €627,408; ▲ 249%
Total assets: €808,274; ▲ 47.0%
Staff: 0.3 FTE; ▼ 70.0%

2025 accounts filed 39 days before the deadline

Filed on 23-12-2025PDF

Financials

Score breakdownlowers riskSector: Legal and accounting activities (NACE 69)Size: total assets €808,274Equity €627,408 (77.6% of total assets)Figures for financial year 2025 (filed on 24-12-2025)Show the evidence

Checked score

Score 2025

97 / 100

Excellent

Probability in this band: under 0.55%

Financially stronger than 76% of micro companies in legal and accounting (NACE 69)

Every signal that counts is listed under Signals.

Financial strength · tick: 2024

Strong

Solvency 100+42

equity 77.6% of total assets

Liquidity 55+6

short-term debt 15.5% · cash 6.7%

Profitability 100+9

return on assets 59.1%

Bankruptcy probability within 12 months

< 0.1% Very low

0%0.5%1.5%4%10%≥ 25%

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

Sector median < 0.1% (20,076 companies, NACE 69, micro)

Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● unchanged vs 11-2024highest value 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025 08-2025: < 0.1%● unchanged vs 07-2025 09-2025: < 0.1%● unchanged vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged 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 01-2026 03-2026: < 0.1%● unchanged vs 02-2026lowest value 04-2026: < 0.1%● unchanged vs 03-2026lowest value 05-2026: < 0.1%● unchanged vs 04-2026lowest value 06-2026: < 0.1%● unchanged vs 05-2026lowest value 07-2026: < 0.1%● unchanged vs 06-2026lowest value 08-2026: < 0.1%● unchanged vs 07-2026 09-2026: < 0.1%● unchanged vs 08-2026 10-2026: < 0.1%● unchanged vs 09-2026

Credit of up to €60,000 on 30-day terms is acceptable

Liquidity is ample, with a current ratio of 5.34 (2.01 in 2024), above the usual 1.5. Short-term debt is 15.5% and cash 6.7% of total assets. 22.4% of the assets are financed with debt and provisions.

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 69, micro). It does better than 87% of them on solvency, 39% on liquidity, 82% on profitability and 96% on growth.

The bankruptcy probability was computed on 31-10-2026 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. 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).

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Signals

Five signals.

lowers riskneutral

Sector: Legal and accounting activities (NACE 69)

KBO

Size: total assets €808,274

Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.

NBB · annual accounts

Equity €627,408 (77.6% of total assets)

NBB · annual accounts

Figures for financial year 2025 (filed on 24-12-2025)

NBB · annual accounts

Latest accounts filed on time

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 23-12-2025, 39 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

39 days early

2024

38 days early

2023

41 days early

2022

63 days early

2021

42 days early

2020

40 days early

2019

42 days early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 44 days before the deadline. In the sector (NACE 69), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 21 December (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

30-06-2026 year end01-11-2026 today31-01-2027 deadline

No strike-offs in the KBO publications

That holds for every publication since 2021.

KBO publications

Key points

Positive: Result rose in 2025from €97,487 to €477,560 ▲ 390% View
Positive: Higher net result than 95% of companies in legal and accountingsector median €37,433 · 15,761 companies €477,560 View
Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
Positive: 7 profitable years in a rowprofit 2025: €477,560 7 years View

Documents

Key facts about FINANCE EXPERTISE 4 YOU

What is the company number of FINANCE EXPERTISE 4 YOU?: The company number of FINANCE EXPERTISE 4 YOU is 0446.595.423. The VAT number is the same number with BE in front: BE 0446.595.423.
Where is FINANCE EXPERTISE 4 YOU based?: The registered office is at Rue de la Procession 23B, 1460 Ittre.Company details
What does FINANCE EXPERTISE 4 YOU do?: According to the KBO register, the main activity is certified accountants and tax accountants (NACE 69201).
What is the legal form of FINANCE EXPERTISE 4 YOU?: The legal form of FINANCE EXPERTISE 4 YOU is Private limited company (BV).
When was FINANCE EXPERTISE 4 YOU founded?: FINANCE EXPERTISE 4 YOU was founded on 04-02-1992.
Is FINANCE EXPERTISE 4 YOU still active?: Yes, FINANCE EXPERTISE 4 YOU is an active enterprise in the KBO register.
How many employees does FINANCE EXPERTISE 4 YOU have?: FINANCE EXPERTISE 4 YOU had an average of 0.3 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of FINANCE EXPERTISE 4 YOU?: The turnover in financial year 2025 is ≈ €1.3m. This figure is estimated from the gross margin of €743,008 and 35 comparable companies (NACE 69201). It probably lies between €1.1m and €1.5m.
Is FINANCE EXPERTISE 4 YOU profitable?: In financial year 2025, FINANCE EXPERTISE 4 YOU made a profit of €477,560.
Where can I find the annual accounts of FINANCE EXPERTISE 4 YOU?: FINANCE EXPERTISE 4 YOU filed 32 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts 2025 (PDF)
When are the next annual accounts of FINANCE EXPERTISE 4 YOU due?: FINANCE EXPERTISE 4 YOU must file the annual accounts for financial year 2026 by 31-01-2027.Timeline

Comparable companies

These companies have the same main activity as FINANCE EXPERTISE 4 YOU: certified accountants and tax accountants (NACE 69201). They are comparable in size and age: total assets between €680,000 and €865,000, founded between 1989 and 1996.

Company	Total assets	Gross margin
FINANCE EXPERTISE 4 YOU Ittre	€808,274	€743,008
FIDUCIAIRE MOUSCRONNOISE Mouscron	€861,282	€809,032
GSN11 Oudenaarde	€865,097	€659,846
OFFICIUM Destelbergen	€798,804	€725,381
AHTES FIDUCIAIRE Charleroi	€710,713	€735,295
Fisco-Consult Tax & Accountancy Diest	€731,825	€728,288
ADFIBO ACCOUNTANTS Antwerpen	€680,187	€765,839