FINANCES & SERVICES

Active

Private limited companyfounded 200620 yrs activeAllée Sud(Baconval) 2, 5651 Walcourt, BelgiumKBO/BCE: BE 0880.163.746

Summary

The computed 12-month bankruptcy probability of FINANCES & SERVICES is 4.1% (elevated). For FINANCES & SERVICES, at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show equity of €262,157 and a net result of €206,796. Equity is growing by ~47.1% per year across the filed fiscal years. The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch Report Compare

FINANCES & SERVICESActive

Risk analysis Report Compare

Activity

Activity not known

Size

€428,193total assets 2023

Staff: 3.1 FTE
Equity: €262,157
Profit: €206,796

Turnover not published (abridged schema)

Financial health

Bankruptcy chance 12 m: 4.1%

2023 figures too old to score

Structure

Accounts 432 d overdue0 of 3 deeds read

Signals- Figures for FY 2023 (filed 15-11-2024)- 2 financial years not filed after the legal deadline; latest accounts 107 days late; 3 of the last 3 late- No establishment unit in the KBO- Two or more financial years not filed- Filed more than 90 days late+ Size: total assets €428,193Show the evidence

Checked score

No current score

Figures too old

The available figures for FY 2023 are too old to assess current financial health.

Bankruptcy probability: Elevated

Filing: At least two filing cycles are missing

Financial strength, FY 2023 · tick = 2022

Strong

Solvency 86+49

equity 61.2% of total assets

Liquidity 80+31

short-term debt 37.8% · cash 37.6%

Profitability 100+41

return on assets 48.3%

Bankruptcy probability, 12 months

4.1% Elevated

0%0.5%1.5%4%10%≥ 25%

About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 11-2024: 4.1%highest value 12-2024: 0.3%▼ -91.6% vs 11-2024lowest value 01-2025: 0.4%▲ +9.9% vs 12-2024 02-2025: 0.4%▲ +0.8% vs 01-2025 03-2025: 0.4%▼ -1.1% vs 02-2025 04-2025: 0.3%▼ -8.0% vs 03-2025 05-2025: 0.4%▲ +2.0% vs 04-2025 06-2025: 0.4%▲ +7.6% vs 05-2025 07-2025: 0.4%▲ +0.8% vs 06-2025 08-2025: 0.5%▲ +41.5% vs 07-2025 09-2025: 0.6%▲ +14.2% vs 08-2025 10-2025: 0.9%▲ +47.8% vs 09-2025 11-2025: 1.0%▲ +7.1% vs 10-2025 12-2025: 1.5%▲ +56.5% vs 11-2025 01-2026: 3.8%▲ +147% vs 12-2025 02-2026: 3.8%● 0.0% vs 01-2026 03-2026: 4.0%▲ +6.3% vs 02-2026 04-2026: 3.8%▼ -5.2% vs 03-2026 05-2026: 3.7%▼ -3.7% vs 04-2026 06-2026: 3.7%● 0.0% vs 05-2026 07-2026: 3.7%● 0.0% vs 06-2026 08-2026: 4.1%▲ +10.5% vs 07-2026 09-2026: 4.1%● 0.0% vs 08-2026 10-2026: 4.1%● 0.0% vs 09-2026

Figures for FY 2023 (filed 15-11-2024) raises the probability
2 financial years not filed after the legal deadline; latest accounts 107 days late; 3 of the last 3 late raises the probability
Size: total assets €428,193 lowers the probability for this profile
No establishment unit in the KBO raises the probability

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Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk

Figures for FY 2023 (filed 15-11-2024)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

2 financial years not filed after the legal deadline; latest accounts 107 days late; 3 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Size: total assets €428,193

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

No establishment unit in the KBO

In the bankruptcy model this factor raises the probability.

KBO · seat and establishments

Two or more financial years not filed

Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.

NBB · 10 filings

Position against the passed deadline

31-12-2024 close31-07-2025 deadline06-10-2026 today

Filed more than 90 days late

The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 15-11-2024, 107 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.

NBB · 10 filings

Deviation from the deadline

2025

not confirmed

2024

not filed

2023

107 d late

2022

122 d late

2021

144 d late

2020

90 d late

2019

123 d late

← before the deadline after the deadline →

tick = median of all Belgian filings

This company filed its last 5 accounts on average 117 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (1)

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage