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FINAO

Active Risk: not assessed
Private limited companyfounded 2004active for 22 yearsVitsdam(BOR) 1, 2880 Bornem, BelgiumKBO/BCE: BE 0863.160.834
Summary

FINAO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €18.4m and a net result of €17.5m. Equity is growing by about 8.8% per year across the filed financial years. Its solvency ranks better than 95% of 9,732 sector peers (NACE 64, financial year 2025). The company has been active since 2004 and the Belgian Official Gazette contains no insolvency or warning signals.

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Articles of association

Who represents it, and how

Who signsWho may bind the company towards others, for example by signing a contract.
Each director alone
Board ruleHow the board is made up, meets and takes decisions.
“Met of zonder beperking van duur, bestuursorgaan” (deed in Dutch)
“Vergoeding bestuurders, al dan niet ten kosteloze titel” (deed in Dutch)

deed of 15-01-2024

Capital, shares and profit

Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
“Helft overdrager en helft kopers naar evenredigheid aantal, geen beroep op rechter” (deed in Dutch)

deed of 15-01-2024

Meetings and financial year

Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
“Titel V. Algemene vergadering Artikel 17. Organisatie en bijeenroeping Ieder jaar wordt een gewone algemene vergadering van aandeelhouders…” (deed in Dutch)

deed of 15-01-2024

Oversight and winding up

Dissolution ruleWhen and by whom the company can be dissolved.
“Vereist voor statutenwijziging, algemene vergadering” (deed in Dutch)
“Ontbinding of maatregelen continuiteit, netto-actief_dreigt_negatief_te_worden_of_is_negatief” (deed in Dutch)
Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
One provision in the deed

deed of 15-01-2024

Other provisionsOther rules from the articles that fall under none of the themes above.

Other provision: “Stortingsplicht, in speciën onderschreven en niet geheel volgestorte aandelen” (deed in Dutch)
Other provision: “Nieuwe aandelen waarop in geld wordt ingeschreven, inbreng in geld met uitgifte van nieuwe aandelen-recht van voorkeur” (deed in Dutch)
Other provision: “Op naam, aard van de aandelen” (deed in Dutch)
Other provision: “Bestuursbevoegdheid, wet of statuten aan algemene vergadering voorbehouden” (deed in Dutch)
Other provision: “Hernieuwbare termijn van drie jaar, één of meerdere commissarissen” (deed in Dutch)
Other provision: “Bestemming winst reserves, algemene vergadering” (deed in Dutch)
Other provision: “Instandhouding vermogen uitkeringen tantiemes, verminderd met overgedragen verlies of vermeerderd met overgedragen winst” (deed in Dutch)
Liquidation distribution: “Aanzuivering schulden lasten kosten of consignatie, bijkomende volstorting eisen of voorafgaande terugbetalingen” (deed in Dutch)
Other provision: “In buitenland wonende aandeelhouder bestuurder commissaris vereffenaar obligatiehouder, woonstkeuze” (deed in Dutch)
Other provision: “Betwisting zaken vennootschap en uitvoering statuten tussen vennootschap aandeelhouders bestuurders commissarissen vereffenaars…” (deed in Dutch)
Other provision: “Gemeen recht” (deed in Dutch)
2 more provisions in the deed, see the deed of 15-01-2024

deed of 15-01-2024

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