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FINANCE XPLAINED

Active
Private limited companyfounded 2004active for 22 yearsGraaf van Hoornlaan 5, 9620 Zottegem, BelgiumKBO/BCE: BE 0867.414.283
Summary

FINANCE XPLAINED has been active since 2004 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €194,779 and a net result of €33,323. Equity has been growing by about 11% per year since 2018. Its solvency ranks better than 34% of 8,586 sector peers (NACE 73, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Overview

Official details

Source: KBO
Status
Active since 24-09-2004 Normal situation
Activity
Public relations and communication consultancy NACE 73300and 3 others
Establishment unit
2.139.389.735 9660 Brakel, since 18-09-2004
Financial year end
31 December
Peppol
Reachable since 16-12-2025

Board and ownership

Board

Financial position

93 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Annual accounts 2025
Gross margin
€73,515
▲ 16.7%
Turnover
≈ €160,000
estimated
Profit
€33,323
▲ 62.2%
Equity
€194,779
▲ 20.6%
Total assets
€578,718
▼ 0.3%
  • 2025 accounts filed 14 days after the deadline
Score breakdownlowers riskSize: total assets €578,718Figures for financial year 2025 (filed on 17-08-2026)Founded in 2004Show the evidence

Checked score

Score 2025
93 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 44% of micro companies in advertising and market research (NACE 73)
Financial strength · tick: 2024
Average
Solvency 59+6
equity 33.7% of total assets
Liquidity 38+5
short-term debt 48.7% · cash 9.8%
Profitability 76+3
return on assets 5.8%
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 0.2% (11,229 companies, NACE 73, micro)
Last 24 months 12-2024: 0.4% 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: 0.4%● unchanged vs 03-2025 05-2025: 0.5%▲ +0.1 percentage points vs 04-2025highest value 06-2025: 0.5%● unchanged vs 05-2025 07-2025: 0.1%▼ -0.4 percentage points 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 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026 08-2026: 0.4%▲ +0.3 percentage points vs 07-2026 09-2026: 0.1%▼ -0.3 percentage points vs 08-2026lowest value 10-2026: 0.1%● unchanged vs 09-2026lowest value 11-2026: 0.1%● unchanged vs 10-2026lowest value
Credit of up to €18,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.32 (0.21 in 2024), below 1. Short-term debt is 48.7% and cash 9.8% of total assets. 66.3% 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 73, micro). It does better than 36% of them on solvency, 22% on liquidity, 48% on profitability and 70% on growth.

The bankruptcy probability was computed on 04-11-2026 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.

The probability rests on the annual accounts with balance sheet date 31-12-2025.

Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.

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

Four signals.
lowers riskneutral
lowers risk · Size: total assets €578,718
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed on 17-08-2026)
NBB · annual accounts
lowers risk · Founded in 2004
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-08-2026, 14 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filings
Deviation from the deadline
2025
14 days late
2024
59 days early
2023
64 days early
2022
49 days early
2021
3 days late
2020
37 days early
2019
5 days late
← 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 27 days before the deadline. In the sector (NACE 73), the median for financial year 2024 was 6 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)
neutral · 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 12 June (4 of the last 5 accounts filed within 52 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
05-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Larger balance sheet than 86% of companies in advertising and market researchsector median €135,157 · 8,593 companies €578,718 View

Recent changes

  1. · Gazette deed Registered office moved to ZottegemNew registered office: Graaf van Hoornlaan 5, 9620 Zottegem · Resignation: DE CLERCQ Kris (manager) · Reappointment: DE CLERCQ Kris (director)
  2. · Gazette deed Incorporation
All 17 events

Comparable companies

These companies have the same main activity as FINANCE XPLAINED: public relations and communication consultancy (NACE 73300). They are comparable in size and age: total assets between €551,000 and €695,000, founded between 2003 and 2006.

CompanyTotal assetsGross margin
FINANCE XPLAINED Zottegem€578,718€73,515
BRAND & SOUL Maarkedal€694,584€81,150
ELSILBO Tienen€591,627€74,283
Goffin Business Services Hannut€557,205€70,663
LENA CONSULT Gedinne€667,397€80,807
Monten Consultancy Pelt€551,092€62,787
2UD€611,015€65,109
Full comparison

Key facts about FINANCE XPLAINED

What is the company number of FINANCE XPLAINED?
The company number of FINANCE XPLAINED is 0867.414.283. The VAT number is the same number with BE in front: BE 0867.414.283.
Where is FINANCE XPLAINED based?
The registered office is at Graaf van Hoornlaan 5, 9620 Zottegem.Company details
What does FINANCE XPLAINED do?
According to the KBO register, the main activity is public relations and communication consultancy (NACE 73300).
What is the legal form of FINANCE XPLAINED?
FINANCE XPLAINED is a private limited company (BV).
When was FINANCE XPLAINED founded?
FINANCE XPLAINED was founded on 24-09-2004.
Is FINANCE XPLAINED still active?
Yes, FINANCE XPLAINED is an active enterprise in the KBO register.
What is the turnover of FINANCE XPLAINED?
The turnover in financial year 2025 is ≈ €160,000. This figure is estimated from the gross margin of €73,515 and 30 comparable companies (NACE 73). It probably lies between €140,000 and €210,000. In financial year 2022 turnover was €166,389.Financials
Is FINANCE XPLAINED profitable?
In financial year 2025, FINANCE XPLAINED made a profit of €33,323.
Where can I find the annual accounts of FINANCE XPLAINED?
FINANCE XPLAINED filed 21 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of FINANCE XPLAINED due?
FINANCE XPLAINED must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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