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FINE GLOBAL SOLUTIONS

Active
Private limited companyfounded 1990active for 36 yearsGergelstraat 126, 1970 Wezembeek-Oppem, BelgiumKBO/BCE: BE 0440.248.554
Summary

FINE GLOBAL SOLUTIONS has been active since 1990 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €70,620 and a net result of €32,994. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 25% of 13,749 sector peers (NACE 46, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Overview

Official details

Source: KBO
Status
Active since 25-04-1990 Normal situation
Activity
Agents specialised in the wholesale of other particular products NACE 46180
Establishment unit
2.049.452.523 4122 Neupré, since 13-09-1990
Financial year end
31 December
Peppol
Reachable since 23-06-2025

Board and ownership

Board
  • Chang Chia-KeungDirector · since 02-09-2015

Financial position

86 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.3%
Annual accounts 2025
Gross margin
€92,143
▲ 82.3%
Turnover
≈ €430,000
estimated
Profit
€32,994
▼ 22.0%
Equity
€70,620
▲ 87.7%
Total assets
€827,041
▲ 245%
  • 2025 accounts filed 68 days after the deadline
Score breakdownraises riskLast filed accounts filed 68 days late; 2 of the last 3 accounts lateEquity €70,620 (8.5% of total assets)lowers riskFounded in 1990Size: total assets €827,041Show the evidence

Checked score

Score 2025
86 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 44% of micro companies in wholesale trade (NACE 46)
Financial strength · tick: 2024
Weak
Solvency 34-7
equity 8.5% of total assets
Liquidity 30+15
short-term debt 91.5% · cash 23.8%
Profitability 42-49
return on assets 4.0%
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,900 companies, NACE 46, micro)
Last 24 months 12-2024: 0.4% 01-2025: 0.4%● unchanged vs 12-2024 02-2025: 0.4%● unchanged vs 01-2025 03-2025: 0.4%● unchanged vs 02-2025 04-2025: 0.4%● unchanged vs 03-2025 05-2025: 0.4%● unchanged vs 04-2025 06-2025: 0.4%● unchanged vs 05-2025 07-2025: 0.6%▲ +0.2 percentage points vs 06-2025 08-2025: 0.9%▲ +0.3 percentage points vs 07-2025 09-2025: 1.1%▲ +0.2 percentage points vs 08-2025highest value 10-2025: 0.4%▼ -0.7 percentage points vs 09-2025 11-2025: 0.4%● unchanged vs 10-2025 12-2025: 0.4%● unchanged vs 11-2025 01-2026: 0.4%● unchanged vs 12-2025 02-2026: 0.4%● unchanged vs 01-2026 03-2026: 0.4%● unchanged vs 02-2026 04-2026: 0.4%● unchanged vs 03-2026 05-2026: 0.4%● unchanged vs 04-2026 06-2026: 0.5%▲ +0.1 percentage points vs 05-2026 07-2026: 0.5%● unchanged vs 06-2026 08-2026: 0.9%▲ +0.4 percentage points vs 07-2026 09-2026: 1.1%▲ +0.2 percentage points vs 08-2026 10-2026: 0.3%▼ -0.8 percentage points vs 09-2026lowest value 11-2026: 0.3%● unchanged vs 10-2026lowest value
Credit of up to €6,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.09 (1.18 in 2024), below the usual 1.5. Short-term debt is 91.5% and cash 23.8% of total assets. 91.5% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 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 (NACE 46, micro). It does better than 22% of them on solvency, 27% on liquidity, 33% on profitability and 92% on growth.

The bankruptcy probability was computed on 03-11-2026 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. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises risk
lowers risk · Founded in 1990
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Last filed accounts filed 68 days late; 2 of the last 3 accounts late
NBB · filings
lowers risk · Size: total assets €827,041
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Equity €70,620 (8.5% of total assets)
NBB · annual accounts
raises risk · 2025 accounts filed 68 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-10-2026, 68 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 · 10 filings
Deviation from the deadline
2025
68 days late
2024
54 days late
2023
37 days early
2022
200 days late
2021
25 days late
2020
29 days late
2019
28 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 52 days after the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% 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 23 September (4 of the last 5 accounts filed within 90 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
04-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: 7th oldest company in Wezembeek-Oppem, Wholesale and retail trade sectorin the Checked rankings No. 7 View

Recent changes

  1. · Gazette deed Registered office · Capital & shares · Purpose · Amendment of the articles · Legal-form change
  2. · Gazette deed Incorporation
All 16 events

Comparable companies

These companies have the same main activity as FINE GLOBAL SOLUTIONS: agents specialised in the wholesale of other particular products (NACE 46180). They are comparable in size and age: total assets between €591,000 and €904,000, founded between 1988 and 1996.

CompanyTotal assetsGross margin
FINE GLOBAL SOLUTIONS Wezembeek-Oppem€827,041€92,143
HANSSENS - DE WEVER Pajottegem€847,074€87,068
GLOBAL RESTYLING SERVICES Zandhoven€904,045€97,002
ELIZABETH CARBIDE EUROPE Aartselaar€842,052€88,113
Garage - Carrosserie Steensels Bocholt€705,337€121,872
EUROPEAN PROMOTION MARKETING Sint-Genesius-Rode€590,746€71,207
EURO SUPER STOCK Mouscron€780,953€100,718
Full comparison

Key facts about FINE GLOBAL SOLUTIONS

What is the company number of FINE GLOBAL SOLUTIONS?
The company number of FINE GLOBAL SOLUTIONS is 0440.248.554. The VAT number is the same number with BE in front: BE 0440.248.554.
Where is FINE GLOBAL SOLUTIONS based?
The registered office is at Gergelstraat 126, 1970 Wezembeek-Oppem.Company details
What does FINE GLOBAL SOLUTIONS do?
According to the KBO register, the main activity is agents specialised in the wholesale of other particular products (NACE 46180).
What is the legal form of FINE GLOBAL SOLUTIONS?
The legal form of FINE GLOBAL SOLUTIONS is Private limited company (BV).
When was FINE GLOBAL SOLUTIONS founded?
FINE GLOBAL SOLUTIONS was founded on 25-04-1990.
Is FINE GLOBAL SOLUTIONS still active?
Yes, FINE GLOBAL SOLUTIONS is an active enterprise in the KBO register.
What is the turnover of FINE GLOBAL SOLUTIONS?
The turnover in financial year 2025 is ≈ €430,000. This figure is estimated from the gross margin of €92,143 and 30 comparable companies (NACE 461). It probably lies between €220,000 and €1.0m. In financial year 2020 turnover was €593,110.Financials
Is FINE GLOBAL SOLUTIONS profitable?
In financial year 2025, FINE GLOBAL SOLUTIONS made a profit of €32,994.
Where can I find the annual accounts of FINE GLOBAL SOLUTIONS?
FINE GLOBAL SOLUTIONS filed 35 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of FINE GLOBAL SOLUTIONS due?
FINE GLOBAL SOLUTIONS must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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