Financials
- Fiscal year
- 2025
- Total assets
- €1,484
- Loss
- -€94,179
- Solvency
- -15153.9%
Total assets▼ 91.2%
Net result
20182025
FINBELUX
ActiveSummary
The computed 12-month bankruptcy probability of FINBELUX is 2.7% (moderate). The 2025 annual accounts show negative equity (-€224,835) and a net result of -€94,179. Equity is shrinking by ~6.3% per year across the filed fiscal years. The company has been active since 2005 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).
Overview
Activity
Activity not known1 site
Size
€1,484total assets 2025
- Equity
- -€224,835
- Loss
- -€94,179
Turnover not published (abridged schema)
Structure
Accounts filed 6 d late0 of 2 deeds read
Why 49- Loss of €94,179 (FY 2025)- Negative equity -€224,835- Ex-officio strike-off in the KBO+ Size: total assets €1,484Show the evidence
Checked score
Score 2025
49
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 5% of its sector peers (no NACE code, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Weak
Solvency
0=
equity -15153.9% of total assets
Liquidity
2-79
short-term debt 5393.8% · cash 1.6%
Profitability
0-100
return on assets -6347.7%
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 2.6%
12-2024: 2.6%● 0.0% vs 11-2024
01-2025: 2.8%▲ +9.8% vs 12-2024
02-2025: 2.8%● 0.0% vs 01-2025
03-2025: 2.7%▼ -2.0% vs 02-2025
04-2025: 2.7%▼ -3.2% vs 03-2025
05-2025: 2.6%▼ -0.5% vs 04-2025
06-2025: 2.6%▼ -1.5% vs 05-2025
07-2025: 2.7%▲ +1.6% vs 06-2025
08-2025: 3.3%▲ +23.7% vs 07-2025highest value
09-2025: 1.3%▼ -60.8% vs 08-2025
10-2025: 1.3%● 0.0% vs 09-2025
11-2025: 1.3%● 0.0% vs 10-2025
12-2025: 1.3%● 0.0% vs 11-2025
01-2026: 1.3%▼ -1.1% vs 12-2025lowest value
02-2026: 1.3%● 0.0% vs 01-2026lowest value
03-2026: 1.3%▲ +3.6% vs 02-2026
04-2026: 1.4%▲ +3.9% vs 03-2026
05-2026: 1.3%▼ -2.0% vs 04-2026
06-2026: 1.3%▲ +0.4% vs 05-2026
07-2026: 1.3%▲ +0.1% vs 06-2026
08-2026: 2.0%▲ +45.1% vs 07-2026
09-2026: 2.7%▲ +39.0% vs 08-2026
10-2026: 2.7%● 0.0% vs 09-2026
- Size: total assets €1,484 lowers the probability for this profile
- Loss of €94,179 (FY 2025) raises the probability
- Negative equity -€224,835 raises the probability
- Ex-officio strike-off in the KBO raises the probability
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (no NACE code, micro). Better than this share of them on solvency 5%, liquidity 6%, profitability 4%, growth against the median 6%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€224,835
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-08-2026, 6 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
6 d late
2024
30 d late
2023
28 d late
2022
24 d late
2021
31 d late
2020
19 d late
2019
28 d late
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 7 accounts on average 24 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publicationsPublications
Address struck
Checked, nothing found (1)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 29 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Annual accounts filedfiscal year 2024 · micro…
- Address struckKBO administration
Key points
By topic
Timeline
- Events
- 16
- Since
- 2017
- Next accounts
- by 31-07-2027
- 06-08-2026Annual accounts filed
- 30-08-2025Annual accounts filed
- 08-08-2025Address struck
Company details
- Sites
- 1
- Legal form
- Private limited company
- Founded
- 21-04-2005
- Year ends
- 31-12
- Peppol
- Not found in the Peppol directory
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