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FINCUT

Active
Private limited companyfounded 2023active for 3 yearsHaardstraat 59, 7700 Mouscron, Belgium33 active companies are registered at this addressKBO/BCE: BE 0802.136.352
Summary

The computed 12-month bankruptcy probability of FINCUT is 4.0% (moderate). The 2025 annual accounts show negative equity (-€42,216). Equity remains stable across the filed financial years (±0.1% per year). Its equity ranks better than 9% of 22,554 sector peers (NACE 47, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Activity
Retail sale of clothing and accessories for women, men, children and babies (general range)
NACE 47716
1 site
Size
-€42,216equity 2025
Turnover not published (micro format)
Financial health
Bankruptcy probabilitywithin 12 months
4.0%
Too few figures to score
Structure
Accounts filed 48 days late0 of 1 deed read
Signalsraises riskFounded in 2023Latest accounts 48 days late; 3 of the last 3 lateSector: Retail trade (NACE 47)lowers riskNo annual accounts with figuresneutralFiled after the deadlineShow the evidence

Bankruptcy probability

No current score
Insufficient figures
A score requires measurable solvency, liquidity and profitability. Missing figures are not a judgement about the company.
Bankruptcy probability, 12 months
4.0% Moderate
0%0.5%1.5%4%10%≥ 25%

About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.2% (6,488 companies, NACE 47, without accounts)
Last 24 months 11-2024: 2.6%lowest value 12-2024: 2.6%● unchanged vs 11-2024lowest value 01-2025: 2.8%▲ +0.2 percentage points vs 12-2024 02-2025: 2.8%● unchanged vs 01-2025 03-2025: 2.7%▼ -0.1 percentage points vs 02-2025 04-2025: 3.0%▲ +0.3 percentage points vs 03-2025 05-2025: 3.1%▲ +0.1 percentage points vs 04-2025 06-2025: 3.1%● unchanged vs 05-2025 07-2025: 3.1%● unchanged vs 06-2025 08-2025: 3.1%● unchanged vs 07-2025 09-2025: 3.1%● unchanged vs 08-2025 10-2025: 3.1%● unchanged vs 09-2025 11-2025: 3.1%● unchanged vs 10-2025 12-2025: 7.1%▲ +4.0 percentage points vs 11-2025highest value 01-2026: 7.0%▼ -0.1 percentage points vs 12-2025 02-2026: 7.0%● unchanged vs 01-2026 03-2026: 7.0%● unchanged vs 02-2026 04-2026: 7.0%● unchanged vs 03-2026 05-2026: 7.0%● unchanged vs 04-2026 06-2026: 7.0%● unchanged vs 05-2026 07-2026: 7.0%● unchanged vs 06-2026 08-2026: 7.0%● unchanged vs 07-2026 09-2026: 7.0%● unchanged vs 08-2026 10-2026: 4.0%▼ -3.0 percentage points vs 09-2026
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Signals

Five signals.
lowers riskraises riskneutral
raises risk · Founded in 2023
Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.
KBO
raises risk · Latest accounts 48 days late; 3 of the last 3 late
NBB · filings
raises risk · Sector: Retail trade (NACE 47)
KBO
lowers risk · No annual accounts with figures
NBB · filings
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-09-2026, 48 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 3 filings
Deviation from the deadline
2025
48 days late
2024
427 days late
2023
792 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 422 days after the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 30 September (3 of the last 3 filed years within 379 days of that day).
Companies Code · seven months
Where today falls in the filing period
23-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since incorporation in 2023.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2024 · micro…
  2. Annual accounts filedfinancial year 2023 · micro…
  3. Annual accounts filedfinancial year 2025 · micro…

Financials · financial year 2025, micro format

2025 annual accounts filed late (48 days) Filed on 17 September 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00515227.

Equity
-€42,216=
2024 · -€42,216
Total assets
€0
Net result
-€125▲ 99.7%
2023 · -€43,091
Working capital
-€42,091
Trend over the years

2023 to 2025, 3 financial years

2023 is the only financial year with figures: the operating result is a loss of €43,091.

What the company sold each financial year and what was left of it. A loss stands below the zero line.

Net result-€125 2024

Use the arrow keys on the chart for the figures per year.

Sector: the middle half of NACE 47, Retail trade: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity.

Every figure with its change against the financial year before
favourable unfavourable
Line202320242025
Operating result-€43,091-
Net result-€43,091below the sector's middle half--€125within the sector's middle half▲ 99.7%
Equity-€42,091below the sector's middle half--€42,216below the sector's middle half▼ 0.3%-€42,216below the sector's middle half=
Total assets€0below the sector's middle half-
Debt€42,091-€42,216▲ 0.3%€42,216=
Working capital-€42,091below the sector's middle half-
above within below the middle half of NACE 47, Retail trade: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the micro format does not require them.
Key figures and ratios
2025 value · change against 2024
Debt ≤ 1 year
€42,216=
2024 · €42,216
No debt to equity: equity is negative, so debt divided by equity means nothing.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 17 lines
Balance sheet Code20242025
Equity and liabilities
Equity10/15-€42,216-€42,216=
Contributions10/11€1,000€1,000=
Profit (loss) carried forward14-€43,216-€43,216=
Amounts payable17/49€42,216€42,216=
Amounts payable within one year42/48€42,216€42,216=
Financial debts43€125-
Credit institutions430/8€125-
Trade debts44€1,122€1,122=
Suppliers440/4€1,122€1,122=
Other amounts payable47/48€40,969€41,094▲
Income statement Code20242025
Financial charges65/66B€125-
Recurring financial charges65€125-
Profit (loss) for the period before taxes9903-€125-
Profit (loss) for the period9904-€125-
Profit (loss) for the period to be appropriated9905-€125-
Appropriation of the result
Profit (loss) to be appropriated9906-€43,216-€43,216=
Profit (loss) brought forward from the previous period14P-€43,091-€43,216▼

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line202320242025Change
Gross operating margin9900-€43,091---
Operating profit (loss)9901-€43,091---
Financial charges65/66B€0€125--
Recurring financial charges65€0€125--
Profit (loss) for the period before taxes9903-€43,091-€125--
Profit (loss) for the period9904-€43,091-€125--
Profit (loss) for the period to be appropriated9905-€43,091-€125--
Line202320242025Change
Assets
Total assets20/58€0---
Current assets29/58€0---
Cash at bank and in hand54/58€0---
Equity and liabilities
Total equity and liabilities10/49€0---
Equity10/15-€42,091-€42,216-€42,216=
Contributions10/11€1,000€1,000€1,000=
Profit (loss) carried forward14-€43,091-€43,216-€43,216=
Amounts payable17/49€42,091€42,216€42,216=
Amounts payable within one year42/48€42,091€42,216€42,216=
Financial debts43-€125--
Credit institutions430/8-€125--
Trade debts44€1,122€1,122€1,122=
Suppliers440/4€1,122€1,122€1,122=
Other amounts payable47/48€40,969€40,969€41,094▲ 0.3%
Line202320242025Change
Profit (loss) for the period9904-€43,091-€125--
Operating cash flow (approximation)-€43,091-€125--

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Filings with the National Bank (3)
Financial year Type Filed Reference
31-12-2025 micro format 17-09-2026 2026-00515227
31-12-2024 micro format 01-10-2026 2026-00541153
31-12-2023 micro format 01-10-2026 2026-00541910

Similar companies · same sector and region

This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of the 6,395 active companies whose main activity is retail sale of clothing and accessories for women, men, children and babies (general range) (NACE 47716), figures are known for 2,403. See the whole sector

Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.

Directors

Directors
No directors read yet: 0 of 1 Gazette act processed. See the directors and other office holders in the KBO →

Owners and capital

Owners

No owners or capital events in the accounts and acts we read.

History

On 26 May 2023, FINCUT was incorporated as a private limited company.1 The company has filed 3 sets of annual accounts, the latest for financial year 2025.2

  1. 1KBO register
  2. 2National Bank, annual accounts 2025

Acts, filings and financial milestones

Next filing, financial year 2026, expected by 31-07-2027
2026
01-10
NBB filing Annual accounts filed
financial year 2024 · micro format · 427 days late
01-10
NBB filing Annual accounts filed
financial year 2023 · micro format · 792 days late
17-09
NBB filing Annual accounts filed
financial year 2025 · micro format · 48 days late
NBB filing
0 of 1 deed read
About the unread acts

We know of 1 Belgian Official Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Register details

Identification
Legal formPrivate limited company
Founded26-05-2023
Financial year end31-12
Activities, NACEBEL 2025
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47639Retail sale of other sporting goods
47715Retail trade
47722Retail trade
E-invoicing
Not found in the Peppol Directory

No listing in the Peppol Directory under this enterprise or VAT number. That proves nothing: being listed there is voluntary.

What can you do?

Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

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If you follow this company, Checked tells you the day it appears in the Peppol register.

Register as of 23 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

Location & real-estate footprint
Registered office, Mouscron · 1 establishment unit since 2023
registered office establishment The establishment unit on the map
Ground area
146 m²
Building footprint
76 m²
Parcel 54432C0514/00P000, Wallonia. Linked by address, not a title deed.
33 companies at this address See who is registered here
1 establishment unit
FINCUT
Haardstraat 59, 7700 MouscronRetail sale of clothing and accessories for women, men, children and babies (general range)
since 2023unit no. 2.345.853.839
1 parcel
Wallonia 1 (100%)
Cadastral parcel Region Area Buildings Height / floors
54432C0514/00P000 Wallonia 146 m² 1 · 76 m² -
How the parcels are linked
Good to know
The parcel matches the address exactly.