Finch & Co
ActiveSummary
The computed 12-month bankruptcy probability of Finch & Co is 2.9% (moderate). The annual accounts of Finch & Co for fiscal year 2025 show a net loss of 107% of total assets. The 2025 annual accounts show equity of €23k and a net result of €-27k. Its solvency ranks better than 95% of 18400 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes
Profitability0
Solvency100
Growth-
Track record67
Bankruptcy probability, 12 months
2.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 12.68; short-term debt: 7.9% and cash: 0.1% of total assets), and 8.2% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
91.8%
Return on assets
-107%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 1 filingDeviation from the deadline
2025
27 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€23k
Total assets
€25k
Net result
€-27k
Working capital
€23k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Equity and liabilities €25k
Equity
€23k
Debt
€2k
Debt finances 8.2% of the balance-sheet total.
Key figures and ratios
Current ratio
12.68
Quick ratio
0.02
Debt to equity
0.09
ROE
-116.6%
ROA
-107.0%
Debt ≤ 1 year
€2k
Annual accounts
| Line | 2025 |
|---|---|
| Other operating charges640/8 | €777 |
| Gross operating margin9900 | €-26k |
| Operating profit (loss)9901 | €-26k |
| Financial charges65/66B | €551 |
| Recurring financial charges65 | €551 |
| Profit (loss) for the period before taxes9903 | €-27k |
| Profit (loss) for the period9904 | €-27k |
| Profit (loss) for the period to be appropriated9905 | €-27k |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €25k | |
| Current assets29/58 | €25k | |
| Stocks and contracts in progress3 | €25k | |
| Stocks30/36 | €25k | |
| Cash at bank and in hand54/58 | €33 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €25k | |
| Equity10/15 | €23k | |
| Contributions10/11 | €50k | |
| Profit (loss) carried forward14 | €-27k | |
| Amounts payable17/49 | €2k | |
| Amounts payable within one year42/48 | €2k | |
| Trade debts44 | €1k | |
| Suppliers440/4 | €1k | |
| Taxes, remuneration and social security45 | €757 | |
| Taxes450/3 | €757 | |
| Accrued charges and deferred income492/3 | €87 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €-27k |
| Operating cash flow (approximation) | €-27k |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Brussel · 1 establishment unit since 2025
Ground area
141 m²
Building footprint
128 m²
Volume, LiDAR
2,217 m³
Parcel 21808H0872/00C000, Brussels · tallest building 20.6 m, ±6 floors. Linked by address, not a title deed.
6
companies at this address
See who is registered here
1 establishment unit
Finch & Co
since 20252.370.044.748
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21808H0872/00C000 | Brussels | 141 m² | 1 · 128 m² | 20.6 m · 6 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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Huberty & Breyne
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TROPICALL RECORDS
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BREAKOUT4U
BE 0659.973.647
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Equity, Consulting and Management
BE 0462.485.310
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Of 1,289 companies in sector 47690 we hold annual accounts for 425. 283 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded28-01-2025
Fiscal year end31-12
Activities, NACEBEL 2025
47690Retail sale of other cultural and recreation goods
47791Retail sale of antiques
Scores and ratios are computed by Checked and are not a credit decision.