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).
Overview
- Equity
- €5,774
- Loss
- -€4,226
Why 81raises riskFounded in 2024Equity €5,774 (0.8% of total assets)lowers riskSize: total assets €708,097No main activity registeredShow the evidence
Checked score
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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 (no NACE code, micro): better than 16% on solvency, 13% on liquidity and 26% on profitability.
The bankruptcy probability was computed on 26-10-2026 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.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Searched, nothing found (1)
- Annual accounts filedfinancial year 2025 · micro…
- IncorporationAppointment: VICTOR Nikolaas (director) ·…
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 497,475 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% | 0.9% |
| 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.
Directors
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| VICTOR Nikolaas |
|
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
Group and network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
31-01
Gazette deed
IncorporationAppointment: VICTOR Nikolaas (director) · Founder · Registered office clause11 facts ▸
- Incorporation, “Fincas” (deed in Dutch)
- Founder, VICTOR Nikolaas
- Founder, PIRARD Sanne Melanie
- Registered office clause, “Schoolstraat 2,3380 Bunsbeek (Glabbeek)” (deed in Dutch)
- Other provision, 24-01-2024
- Other provision, “aansprakelijkheid oprichter bij faillissement binnen drie jaar na oprichting bij kennelijk ontoereikend aanvangsvermogen” (deed in Dutch)
- Founding capital, €10,000
- Bank account, “vennootschap in oprichting, BE17 0019 6989 7521” (deed in Dutch)
- Board rule, 1
- Director appointment, VICTOR Nikolaas (director)
- Other provision, “naleving administratieve verplichtingen, bestuurder en aandeelhouders” (deed in Dutch)
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 26 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 24018D0013/00Y000 | Flanders | 3,170 m² | 1 · 140 m² | 21.4 m · 2 |
How the parcels are linked
Articles of association
Who represents it, and how
- Board ruleHow the board is made up, meets and takes decisions.
- “Natuurlijke personen of rechtspersonen,al dan niet aandeelhouder, één of meer bestuurders” (deed in Dutch)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- First Friday of December at 18:00