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FINECO

Active
Private limited companyfounded 2021active for 5 yearsEdingensesteenweg 595, 1500 Halle, BelgiumKBO/BCE: BE 0770.988.068
Summary

FINECO has been active since 2021 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €15,794 and a net result of -€5,811. Equity has been shrinking by about 10% per year since 2022. Its solvency ranks better than 85% of 9,666 sector peers (NACE 82, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Overview

Official details

Source: KBO
Status
Active since 09-07-2021 Normal situation
Activity
Other business support services NACE 82990
Establishment unit
2.320.170.912 1500 Halle, since 09-07-2021
Financial year end
31 December
Peppol
Reachable since 07-11-2024

Board and ownership

Board
  • Geeroms StijnDirector

Financial position

94 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Annual accounts 2025
Gross margin
-€3,281
▲ 51.6%
Loss
€5,811
▼ 46.4%
Equity
€15,794
▼ 26.9%
Total assets
€18,584
▼ 27.1%
Turnover not published (micro format)
Score breakdownlowers riskLiquidity: current ratio 6.21, cash €16,582Sector: Office administrative, office support and other business support activities (NACE 82)Equity €15,794 (85.0% of total assets)Figures for financial year 2025 (filed on 26-06-2026)Show the evidence

Checked score

Score 2025
94 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 51% of micro companies in office administrative support (NACE 82)
Financial strength · tick: 2024
Strong
Solvency 100=
equity 85.0% of total assets
Liquidity 97=
short-term debt 15.0% · cash 89.2%
Profitability 0=
return on assets -31.3%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

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

Sector median 0.2% (12,676 companies, NACE 82, micro)
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%▼ -0.1 percentage points vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025lowest value 05-2025: 0.1%▲ +0.1 percentage points 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%● unchanged vs 06-2026 08-2026: 0.1%● unchanged vs 07-2026 09-2026: 0.2%▲ +0.1 percentage points vs 08-2026highest value 10-2026: 0.1%▼ -0.1 percentage points vs 09-2026 11-2026: 0.1%● unchanged vs 10-2026
Credit of up to €1,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 6.21 (5.68 in 2024), above the usual 1.5. Short-term debt is 15% and cash 89.2% of total assets. 15% 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 82, micro). It does better than 88% of them on solvency, 92% on liquidity, 5% on profitability and 18% on growth.

The bankruptcy probability was computed on 04-11-2026 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).

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Signals

Six signals.
lowers riskraises riskneutral
lowers risk · Liquidity: current ratio 6.21, cash €16,582
NBB · annual accounts
lowers risk · Sector: Office administrative, office support and other business support activities (NACE 82)
KBO
lowers risk · Equity €15,794 (85.0% of total assets)
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed on 26-06-2026)
NBB · annual accounts
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
22232425
2022 to 2025 · latest year -€5,811
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 26-06-2026, 35 days ahead of the deadline.
NBB · 4 filings
Deviation from the deadline
2025
35 days early
2024
27 days early
2023
110 days early
2022
111 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 4 accounts on average 71 days before the deadline. In the sector (NACE 82), the median for financial year 2024 was 7 days before the deadline, and 35% 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 20 May (3 of the last 4 accounts filed within 39 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
05-11-2026 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

  • Caution: Lower net result than 85% of companies in office administrative supportsector median €16,240 · 9,662 companies -€5,811 View
  • Caution: 2 loss-making years in a rowloss in financial year 2025 -€5,811 View
  • Positive: Always filed on timeaccounts within the deadline every year 4 years View

Recent changes

  1. · Gazette deed Incorporation
All 7 events

Comparable companies

These companies have the same main activity as FINECO: other business support services (NACE 82990). They are comparable in size and age: total assets between €15,100 and €21,200, founded between 2021 and 2022.

CompanyTotal assetsGross margin
FINECO Halle€18,584-€3,281
HRem Consulting Halle€17,774-€15,238
BEERS & CAFECLASH CONSULT Grimbergen€21,183-€3,142
Yellow Bird Technologies Leuven€15,060-€9,171
COMBINE-IT Heist-op-den-Berg€17,963-€3,192
KOMIO Jodoigne€18,962-€1,682
Intersumus Antwerp€20,195-€1,591
Full comparison

Key facts about FINECO

What is the company number of FINECO?
The company number of FINECO is 0770.988.068. The VAT number is the same number with BE in front: BE 0770.988.068.
Where is FINECO based?
The registered office is at Edingensesteenweg 595, 1500 Halle.Company details
What does FINECO do?
According to the KBO register, the main activity is other business support services (NACE 82990).
What is the legal form of FINECO?
FINECO is a private limited company (BV).
When was FINECO founded?
FINECO was founded on 09-07-2021.
Is FINECO still active?
Yes, FINECO is an active enterprise in the KBO register.
What is the turnover of FINECO?
The annual accounts for financial year 2025 state no turnover. The micro format does not require it.Financials
Is FINECO profitable?
In financial year 2025, FINECO made a loss of €5,811.
Where can I find the annual accounts of FINECO?
FINECO filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of FINECO due?
FINECO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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