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FINCOSOFT

Active
Private limited companyfounded 201115 yrs activePresident Kennedypark(Kor) 13, 8500 Kortrijk, BelgiumKBO/BCE: BE 0840.585.766
Summary

FINCOSOFT has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.2m and a net result of €278,349. Equity is growing by ~22.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 21938 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch ReportCompare
FINCOSOFTActiveChecked score 98/100
Risk analysis ReportCompare

Overview

Activity
Retail sale of information and communication equipment
NACE 47400NACE 47410
1 site
Size
€1.2mtotal assets 2025
Equity
€1.2m
Profit
€278,349
Turnover not published (abridged schema)
Financial health
98 Excellent Checked score 2025
Bankruptcy chance 12 m
0.1%
Structure
Accounts 113 d early0 of 3 deeds read
Why 98- Sector Retail trade (NACE 47)+ Equity €1.2m (97.6% of total assets)+ Size: total assets €1.2m+ Founded in 2011Show the evidence

Checked score

Score 2025
98 / 100
Excellent
Probability in this band: under 0.55%
Better than 82% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100=
equity 97.6% of total assets
Liquidity 64-29
short-term debt 2.4% · cash 11.0%
Profitability 97+9
return on assets 22.3%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (39,974 companies)
Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● 0.0% vs 11-2024 01-2025: < 0.1%● 0.0% vs 12-2024 02-2025: < 0.1%● 0.0% vs 01-2025 03-2025: < 0.1%● 0.0% vs 02-2025 04-2025: < 0.1%▲ +5.4% vs 03-2025 05-2025: < 0.1%● 0.0% vs 04-2025 06-2025: < 0.1%▼ -7.7% vs 05-2025lowest value 07-2025: < 0.1%● 0.0% vs 06-2025lowest value 08-2025: < 0.1%● 0.0% vs 07-2025lowest value 09-2025: < 0.1%● 0.0% vs 08-2025lowest value 10-2025: < 0.1%▲ +2.8% vs 09-2025 11-2025: < 0.1%● 0.0% vs 10-2025 12-2025: < 0.1%● 0.0% vs 11-2025 01-2026: < 0.1%● 0.0% vs 12-2025 02-2026: < 0.1%● 0.0% vs 01-2026 03-2026: < 0.1%● 0.0% vs 02-2026 04-2026: < 0.1%▲ +5.4% vs 03-2026 05-2026: 0.1%▲ +30.8% vs 04-2026highest value 06-2026: 0.1%● 0.0% vs 05-2026highest value 07-2026: 0.1%● 0.0% vs 06-2026highest value 08-2026: 0.1%● 0.0% vs 07-2026highest value 09-2026: 0.1%● 0.0% vs 08-2026highest value 10-2026: 0.1%● 0.0% vs 09-2026highest value
  • Equity €1.2m (97.6% of total assets) lowers the probability
  • Size: total assets €1.2m lowers the probability for this profile
  • Sector Retail trade (NACE 47) raises the probability
  • Founded in 2011 lowers the probability for this profile
Credit up to €110,000 at 30 days acceptable
Liquidity ample (current ratio 41.53 against 36.01 in 2024; short-term debt: 2.4% and cash: 11% of total assets), and 2.4% of the assets are financed with debt.
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 (NACE 47, micro). Better than this share of them on solvency 92%, liquidity 70%, profitability 90%, growth against the median 75%. 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.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Equity €1.2m (97.6% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Size: total assets €1.2m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Sector Retail trade (NACE 47)
In the bankruptcy model this factor raises the probability.
KBO
lowers risk · Founded in 2011
In the bankruptcy model this factor lowers the probability for this profile.
KBO
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-04-2026, 113 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
113 d early
2024
87 d early
2023
104 d early
2022
83 d early
2021
74 d early
2020
93 d early
2019
59 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 88 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

Checked, nothing found (2)
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 5 May (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
04-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Highest result since 2018net €278,349 ▲79.8%
  3. Equity above €1mEq €1.2m ▲22.5%

Key points

  • Positive: Result rose in 2025from €154,823 to €278,349 ▲ 79.8% View
  • Positive: Among the best 5% on solvencysector median 34.0% · 21,938 companies 97.6% View
  • Positive: Always filed on timeaccounts within the deadline every year 8 years View
  • Positive: 8 profitable years in a rowprofit 2025: €278,349 8 years View

By topic

Financials

Fiscal year
2025
Total assets
€1.2m
Profit
€278,349
Solvency
97.6%
Total assets▲ 21.6%
Net result
20182025
Go to Financials

Timeline

Events
13
Since
2017
Next accounts
by 31-07-2027
  1. 09-04-2026Annual accounts filed
  2. 31-12-2025Highest result since 2018
  3. 31-12-2025Equity above €1m
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Retail sale of information and communication equipmentNACE 47400
Founded
27-09-2011
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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