Fincas
ActiveSummary
Fincas has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5,774 and a net result of -€4,226. The computed 12-month bankruptcy probability is 0.3% (very low).
Financials · financial year 2025, micro format
2025 annual accounts filed late (8 days) Filed on 8 February 2026, deadline 31 January 2026 (7 months after the close on 30 June 2025, Companies Code art. 3:10). Source: NBB, 2026-00035350.
Turnover and EBIT margin not published: the micro format does not require them.
Peer companies
Historical observationOf the 865 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 96.6% are still going.
- Small
- 2 to 5 years old
- solvency under 10%
- a small loss
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,472 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 865 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2025 |
|---|---|
| Other operating charges640/8 | €814 |
| Gross operating margin9900 | -€1,823 |
| Operating profit (loss)9901 | -€2,637 |
| Financial charges65/66B | €1,589 |
| Recurring financial charges65 | €1,589 |
| Profit (loss) for the period before taxes9903 | -€4,226 |
| Profit (loss) for the period9904 | -€4,226 |
| Profit (loss) for the period to be appropriated9905 | -€4,226 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €708,097 | |
| Current assets29/58 | €708,097 | |
| Stocks and contracts in progress3 | €413,770 | |
| Stocks30/36 | €413,770 | |
| Amounts receivable within one year40/41 | €284,000 | |
| Other amounts receivable41 | €284,000 | |
| Cash at bank and in hand54/58 | €10,327 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €708,097 | |
| Equity10/15 | €5,774 | |
| Contributions10/11 | €10,000 | |
| Profit (loss) carried forward14 | -€4,226 | |
| Amounts payable17/49 | €702,323 | |
| Amounts payable after more than one year17 | €300,000 | |
| Financial debts170/4 | €300,000 | |
| Amounts payable within one year42/48 | €400,944 | |
| Trade debts44 | €944 | |
| Suppliers440/4 | €944 | |
| Other amounts payable47/48 | €400,000 | |
| Accrued charges and deferred income492/3 | €1,379 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | -€4,226 |
| Operating cash flow (approximation) | -€4,226 |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (1)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 30-06-2025 | micro format | 08-02-2026 | 2026-00035350 |
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.