Equity
€168,690 ▼ 22.3%
FINEAL paid out €198,000 in dividends. That is 132% of the 2025 profit.
FINEAL
Lifetime
7 annual accounts with figures on one time axispeak €178,312 (2023)
€173,640▲ 4.9%
peak €149,714 (2025)
€149,714▲ 12.4%
peak €230,557 (2022)
€168,690▼ 22.3%
€73,693▲ 142%
Board1 name since 2019
1 directorVan Den Bossche Bart
Documentsfilings and deeds
29-05-202663 days before the deadline
2025micro format
Dividend €198,000Equity from €216,976 to €168,690Debts from €30,442 to €73,693Cash from €24,462 to €46,736
Key points
from the 2025 annual accountsFilings
7 annual accounts since 2019
The last five annual accounts were filed 63 to 69 days before the end of the period.
Position in the sector
€149,714
Higher net result than 91% of companies in head offices and management consultancy. Sector median €27,142 · 39,376 companies.
Checked score
95
Excellent
Financially stronger than 56% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,570 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025highest value
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: < 0.1%▼ -0.1 percentage points vs 06-2026lowest value
08-2026: < 0.1%● unchanged vs 07-2026lowest value
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
lowers risk
Sector: Activities of head offices; management consultancy activities (NACE 70)
Liquidity: current ratio 3.29, cash €46,736
Size: total assets €242,383
Equity €168,690 (69.6% of total assets)
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 70, micro). It does better than 65% of them on solvency, 53% on liquidity, 84% on profitability and 21% on growth.
The bankruptcy probability was computed on 08-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 26,972 companies had the same profile as FINEAL has now. Each dot stands for 68 companies, two years later.
94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of FINEAL itself is lower: < 0.1% within 12 months. It rests on far more data about FINEAL than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 26,972 companies, not a prediction for FINEAL. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €16,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.29 (8.13 in 2024), above the usual 1.5. Short-term debt is 30.4% and cash 19.3% of total assets. 30.4% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
5 signals, none raises the risk
Five signals.
lowers riskneutral
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 29-05-2026, 63 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
63 days early
2024
69 days early
2023
65 days early
2022
67 days early
2021
63 days early
2020
131 days early
2019
64 days early
← 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 75 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% 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 28 May (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0724537243
Legal-form change · Resignations & appointments
Board composition: VAN dEN BOSSCHE Bart Albert Marc Corneel (director (not named in the articles)) · Gazette deed
Incorporation
published on 08-04-2019 · Gazette deed
First establishment
Vijverlaan 26, Antwerp
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| FINEAL Antwerp | €242,383 | €173,640 | 69.6% | - |
| BitVisors Herentals | €235,728 | €186,367 | 23.5% | - |
| Noukens Vosselaar | €254,653 | €171,519 | 1.6% | - |
| Y.S. CONSULTING Antwerp | €255,279 | €180,583 | 70.0% | - |
| Luyten Tinne Sint-Katelijne-Waver | €264,567 | €152,747 | 7.6% | - |
| Nice to meat you Mortsel | €274,341 | €162,661 | 94.7% | - |
| Lacrudis Mechelen | €248,664 | €170,463 | 48.6% | - |
These companies have the same main activity as FINEAL: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €236,000 and €274,000, founded between 2018 and 2019.
Official details
Source: KBO- Status
- Active since 04-04-2019Normal situation
- Activity
- Business and other management consultancyNACE 70200and 1 other
- Establishment unit
- 2.287.738.0702610 Antwerp, since 04-04-2019
- Financial year end
- 31 December
- Peppol
- Reachable since 24-11-2023
Annual accounts 2025
- ≈ €300,000estimated
- €242,383▼ 2.0%
- Filing
- Filed on 29-05-2026, 63 days before the end of the filing period
Insights on FINEAL
FINEAL files the micro format. That format states no turnover. The gross margin rose from €32,405 in 2019 to €173,640 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about FINEAL
- What is the company number of FINEAL?
- The company number of FINEAL is 0724.537.243. The VAT number is the same number with BE in front: BE 0724.537.243.
- Where is FINEAL based?
- The registered office is at Vijverlaan 26, 2610 Antwerp.Company details
- What does FINEAL do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of FINEAL?
- FINEAL is a private limited company (BV).
- When was FINEAL founded?
- FINEAL was founded on 04-04-2019.
- Is FINEAL still active?
- Yes, FINEAL is an active enterprise in the KBO register.
- What is the turnover of FINEAL?
- The turnover in financial year 2025 is ≈ €300,000. This figure is estimated from the gross margin of €173,640 and 109 comparable companies (NACE 70200). It probably lies between €250,000 and €350,000.Financials
- Is FINEAL profitable?
- In financial year 2025, FINEAL made a profit of €149,714.
- Where can I find the annual accounts of FINEAL?
- FINEAL filed 7 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of FINEAL due?
- FINEAL must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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