FINe materials
ActiveSummary
The computed 12-month bankruptcy probability of FINe materials is 1.7% (moderate). The 2025 annual accounts show negative equity (-€23,129) and a net result of -€33,129. Its solvency ranks better than 15% of 11502 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.
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Signals
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History
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Financials · fiscal year 2025, micro schema
Turnover and EBIT margin not published: the micro schema does not require them.
Peer companies
Historical observationOf the 1,322 companies that looked in July 2024 the way this one looks now, 3.6% went bankrupt within 24 months and 90% are still going.
- Micro
- under 2 years old
- negative equity
- a loss of 10% of the balance sheet or more
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 1,322 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2025 |
|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,426 |
| Other operating charges640/8 | €473 |
| Gross operating margin9900 | -€25,034 |
| Operating profit (loss)9901 | -€29,933 |
| Financial income75/76B | €24 |
| Recurring financial income75 | €24 |
| Financial charges65/66B | €3,221 |
| Recurring financial charges65 | €3,221 |
| Profit (loss) for the period before taxes9903 | -€33,129 |
| Profit (loss) for the period9904 | -€33,129 |
| Profit (loss) for the period to be appropriated9905 | -€33,129 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €123,278 | |
| Fixed assets21/28 | €52,124 | |
| Intangible fixed assets21 | €2,334 | |
| Tangible fixed assets22/27 | €46,064 | |
| Plant, machinery and equipment23 | €7,189 | |
| Furniture and vehicles24 | €973 | |
| Leasing and similar rights25 | €34,218 | |
| Other tangible fixed assets26 | €3,684 | |
| Financial fixed assets28 | €3,725 | |
| Current assets29/58 | €71,155 | |
| Stocks and contracts in progress3 | €48,459 | |
| Stocks30/36 | €48,459 | |
| Amounts receivable within one year40/41 | €20,021 | |
| Trade receivables40 | €17,386 | |
| Other amounts receivable41 | €2,635 | |
| Cash at bank and in hand54/58 | €2,029 | |
| Deferred charges and accrued income490/1 | €645 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €123,278 | |
| Equity10/15 | -€23,129 | |
| Contributions10/11 | €10,000 | |
| Profit (loss) carried forward14 | -€33,129 | |
| Amounts payable17/49 | €146,408 | |
| Amounts payable after more than one year17 | €102,045 | |
| Financial debts170/4 | €102,045 | |
| Amounts payable within one year42/48 | €41,764 | |
| Current portion of amounts payable after more than one year42 | €7,114 | |
| Financial debts43 | €20,000 | |
| Credit institutions430/8 | €20,000 | |
| Trade debts44 | €13,399 | |
| Suppliers440/4 | €13,399 | |
| Other amounts payable47/48 | €1,252 | |
| Accrued charges and deferred income492/3 | €2,599 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | -€33,129 |
| + Depreciation and write-downs630 | €4,426 |
| Operating cash flow (approximation) | -€28,704 |
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
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.
Directors · office · real estate
1 establishment unit
1 parcel
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11021A0288/00P004 | Flanders | 604 m² | 1 · 94 m² | 8.1 m · 2 fl. |
Linked by address, not proof of ownership
Similar companies · same sector and region
Identification & contact
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.