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Generated 13-08-2026
Active BE 0474.038.901Private limited companyOpen bankruptcy

FINE FLEUR TI

Duinenweg 255C ·8430 Middelkerke, Belgium· 25 yrs active
Sector: Activiteiten van holdings (64210)
Conclusion Checked

A bankruptcy procedure is open for FINE FLEUR TI according to publications in the Belgian State Gazette. The 2022 annual accounts show equity of €47k and a net result of €-59k.

Based on the State Gazette, CBE and 4 annual accounts.
Key figures
Equity €47k
Net result €-59k
Staff (FTE) 8.6
Better than sector 23%
Snowflake analysis 4 of 5 axes measured · computed by Checked
Health-Profitability0Solvency14Growth58Stability0
18 / 100

Fragile profile, watch profitability in particular.

Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.

Health -
Profitability 0
Solvency 14
Growth 58
Stability 0
Bankruptcy probability (12 mo) Checked model v1 · free

Bankruptcy opened

A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.

Risk Assessment rule-based
50 / 100
High riskRegister: open bankruptcy
This score counts publications in the Belgian State Gazette only. The KBO register additionally records legal situation 050 for this company; it does not feed the figure above.
Components
· Open bankruptcy (+50)
Trust signals 2 signals
Register: open bankruptcy
The KBO register records legal situation 050 for this company. This is today's state according to the register itself; the register carries no start date.
Open bankruptcy
Active bankruptcy procedure in the Belgisch Staatsblad. Claims are handled by the appointed curator.
Administrative Flags 0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.
Financial overview10 NBB filings
Annual accounts filed on 30-11-2022 with the NBB · fiscal year 2022 · verkort
€-1.00M€-750k€-500k€-250k€0Operating result 2019: €-256k€-256kNet result 2019: €-686k€-686kOperating result 2020: €-158k€-158kNet result 2020: €-852k€-852kOperating result 2021: €-100k€-100kNet result 2021: €-119k€-119kOperating result 2022: €-61k€-61kNet result 2022: €-59k€-59k2019202020212022
Operating resultNet result
Sector comparison
Fiscal year 2022 · NACE 64, Financial services · compared within the same schema type (abbreviated schema)
Metric This company Sector median Position in the sector
Solvency 10.3% 32.5%
better than 23% of 837 sector peers
Net result €-59k €33k
better than 9% of 836 sector peers
Equity €47k €231k
better than 23% of 837 sector peers
Gross operating margin €296k €48k
better than 87% of 832 sector peers
Staff costs €317k €69k
higher than 87% of 132 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Net profit
€-59k
+50.1% 19-22
Total assets
€455k
-7.4% 19-22
Equity
€47k
-56.0% 19-22
Employees (FTE)
9
0.0% 19-22
Staff costs
€317k
+4.7% 19-22
Income taxes
€198
+7.6% 19-22
Debt
€408k
+6.0% 19-22
Debt ≤ 1y
€397k
+12.3% 19-22
Debt > 1y
€11k
-57.1% 19-22
Solvency
10.3%
-52.5% 19-22
ROE
-127.4%
-13.4% 19-22
ROA
-13.1%
+46.2% 19-22
Figures by fiscal year
Fiscal year2022
Depositverkort
Revenuen/a
EBITDAn/a
Net profit€-59k
Cash flown/a
Staff costs€317k
Income taxes€198
Dividends-
Total assets€455k
Equity€47k
Debt€408k
of which ≤ 1y€397k
of which > 1y€11k
Working capitaln/a
Employees (FTE)8.6
Ratios (computed)
2022
Current ration/a
Quick ration/a
Working capital ration/a
Solvency10.3%
Debt / equityn/a
Long-term debt ration/a
Interest coveragen/a
Gross marginn/a
Net marginn/a
ROA-13.1%
ROE-127.4%
EBITDA marginn/a
Days sales outstandingn/a
Days payable outstandingn/a
Inventory turnovern/a
Days inventory (DSI)n/a
Balance-sheet composition 2022
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2022
Balance sheet, Assets
TOTAL ASSETS 20/58€455k
Fixed assets 21/28€124k
Formation expenses 20€7k
Intangible fixed assets 21€2k
Tangible fixed assets 22/27€122k
Financial fixed assets 28€54
Current assets 29/58€324k
Stocks & contracts in progress 3€227k
Amounts receivable within one year 40/41€79k
Cash & bank 54/58€14k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€455k
Equity 10/15€47k
Contributions / capital 10/11€1.08M
Reserves 13€3k
Accumulated profits (losses) 14€-1.03M
Amounts payable 17/49€408k
Amounts payable after one year 17€11k
Amounts payable within one year 42/48€397k
Trade debts payable within one year 44€260k
Income statement
Gross operating margin 9900€296k
Operating result 9901€-61k
Financial income 75€1k
Financial charges 65€9k
Result before taxes 9903€-59k
Income taxes 67/77€198
Net result for the period 9904€-59k
Result to be appropriated 9905€-59k
You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 2 directors
Current directors & mandates
  • Alexandre Ameye
    Non-statutory director
    State Gazette act 23339044 (27-04-2023)
    Current
    27-04-2023 → present
  • Magalie Vancoillie
    Non-statutory director
    State Gazette act 23339044 (27-04-2023)
    Current
    27-04-2023 → present
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Directors & mandates1 person
Role Name Tenure Source
Curator CHRISTINE VERMEIRE
GROENDREEF 8, 8400 OOSTENDE
 22-04-2024 → present Belgian State Gazette
Legal Structure
NACE primary Activiteiten van holdings(64210)
Legal form Private limited company(610)
Incorporation08-02-2001
StatusActive
Postal code8430
First BS signal 26-04-2024
Latest BS signal 26-04-2024
Establishment units 1 location
PRALINEUR VANCOILLIE
Duinenweg 255C, 8430 MiddelkerkeManagementsactiviteiten van holdings : tussenkomen in het dagelijks bestuur, vertegenwoordigen van bedrijven op grond van bezit van of controle over het maatschappelijk kapitaal, enz.
since 20012.093.332.551
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
35011B0025/00H002 Flanders 462 m² 1 · 244 m² 15.6 m · 4 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 12 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2024
26-04-2024
Bankruptcy Opening
Ondernemingsrechtbank Gent, afdeling Oostende · FINE FLEUR TI BV DUINENWEG 255C/2A, 8430 MIDDELKERKE · event 22-04-2024
2023
27-04-2023
State Gazette act Director changes
Jasmine Roels
2022
30-11-2022
NBB filing Annual accounts filed
fiscal year 2022 · verkort
27-06-2022
NBB filing Annual accounts filed
fiscal year 2021 · verkort
2020
14-12-2020
NBB filing Annual accounts filed
fiscal year 2020 · verkort
2019
13-12-2019
NBB filing Annual accounts filed
fiscal year 2019 · verkort
2018
20-11-2018
NBB filing Annual accounts filed
fiscal year 2018 · verkort
2017
04-07-2017
NBB filing Annual accounts filed
fiscal year 2017 · verkort
2016
06-12-2016
NBB filing Annual accounts filed
fiscal year 2016 · verkort
2015
06-11-2015
NBB filing Annual accounts filed
fiscal year 2015 · verkort
2014
23-01-2014
NBB filing Annual accounts filed
fiscal year 2013 · verkort
2013
30-01-2013
NBB filing Annual accounts filed
fiscal year 2012 · verkort
Lifecycle & Insolvency Signals 1 events
26-04-2024
Bankruptcy Opening
Date: 22-04-2024 · Ondernemingsrechtbank Gent, afdeling Oostende · FINE FLEUR TI BV DUINENWEG 255C/2A, 8430 MIDDELKERKE · Publications in State Gazette ↗
Time machine, BS events + macro context 2021, 2026
COVID lockdownEnergiecrisisECB hikes2021202220232024202520262024-04-26 · Bankruptcy · Opening
Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 3 years ago
2023
27-04-2023 2 directors appointed Director changes·Jasmine Roels
  • Alexandre Ameye, Niet-statutair bestuurder
  • Magalie Vancoillie, Niet-statutair bestuurder
Notary: Jasmine Roels · Diksmuide
Technical details 
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Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Holdings64200Activiteiten van holdings64210Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Overig speur- en ontwikkelingswerk op natuurwetenschappelijk gebied72109Overig speur- en ontwikkelingswerk op natuurwetenschappelijk gebied72190Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
Legal nameNL FINE FLEUR TI
Registered office
Duinenweg 255C bus 2A
8430 Middelkerke, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative