Summary
Conclusion
the dossier summarised in one paragraphThe KBO register records legal situation 050 for FINEL (Register: open bankruptcy); this is today's state according to the register itself, which carries no start date. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.
Based on State Gazette and CBE data.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneBankruptcy opened
A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.
Insolvency timeline
2 eventsSignals
Insufficient current data: the most recent filed accounts (financial year 2011) are too old to derive current signals.
Filing behaviour
From the deposit records, complete market-wide| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | nothing on record | not filed | - |
| 31-12-2023 | 31-07-2024 | nothing on record | not filed | - |
| 31-12-2022 | 31-07-2023 | nothing on record | not filed | - |
| 31-12-2021 | 31-07-2022 | nothing on record | not filed | - |
| 31-12-2020 | 31-07-2021 | nothing on record | not filed | - |
| 31-12-2019 | 31-07-2020 | nothing on record | not filed | - |
| 31-12-2018 | 31-07-2019 | nothing on record | not filed | - |
| 31-12-2017 | 31-07-2018 | nothing on record | not filed | - |
| 31-12-2016 | 31-07-2017 | nothing on record | not filed | - |
| 31-12-2015 | 31-07-2016 | nothing on record | not filed | - |
| 31-12-2014 | 31-07-2015 | nothing on record | not filed | - |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsAdministrative Flags
Financials
Annual accounts & ratios
Source: NBB| Fiscal year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2011 | volledig | 31-07-2012 | 2012-37900269 |
| 31-12-2010 | volledig | 30-06-2011 | 2011-23700567 |
| 31-12-2009 | volledig | 30-07-2010 | 2010-38000412 |
| 31-12-2008 | volledig | 25-06-2009 | 2009-29500112 |
| 31-12-2007 | volledig | 29-08-2008 | 2008-70200213 |
| 31-12-2006 | volledig | 29-06-2007 | 2007-33100332 |
| 31-12-2005 | volledig | 02-08-2006 | 2006-60200136 |
| 31-12-2004 | volledig | 26-07-2005 | 2005-56404998 |
| 31-12-2003 | volledig | 23-09-2004 | 2004-66302143 |
| 31-12-2002 | volledig | 16-09-2003 | 2003-67104609 |
Directors
Directors & mandates
3 acts for this company are in the Belgian State Gazette, of which we have read 0. This is therefore not a statement about the company: we have not extracted its directors from those acts yet.
Insolvency mandates
2 mandates| Role | Name | Tenure | Source |
|---|---|---|---|
| Curator | EDOUARD FRANCK RUE DES AUGUSTINS 32,
4000 LIEGE 1 |
29-01-2024 → present | Belgian State Gazette |
| Curator | LAURENT WINKIN RUE DES AUGUSTINS 32, 4000 LIEGE 1- laurent.winkin@henry-
mersch.be |
29-01-2024 → present | Belgian State Gazette |
Legal Structure
| NACE primary | - |
| Legal form | Public limited company(014) |
| Incorporation | 10-11-1982 |
| Status | Active |
| Postal code | 4020 |
| First BS signal | 22-03-2024 |
| Latest BS signal | 17-04-2026 |
Structure & network
Ownership & control
No ownership or control structure found in the sources.
For this we read shareholding and parent/subsidiary relations from the acts in the Belgian State Gazette, plus the board seats that legal entities hold in one another. Nothing of the sort is published for this company, which is common: most Belgian companies do not publish a shareholding structure.
2 court or liquidation mandates are on record for this company. Such a mandate is a fact about the company itself, not about a tie to another one: two bankruptcies handled by the same receiver are two separate cases. They are listed under Directors & mandates.
Locations & real estate
Registered office
from the Crossroads BankThis address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Quai Mativa 94020 LiègeEstablishment units
1 locationReal-estate footprint
Source: CBE × cadastre · address linkingParcels 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.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62023B0040/00E025 | Wallonia | 664 m² | 1 · 123 m² | 19.9 m · 3 fl. |
| 62806C0376/00X000 | Wallonia | 525 m² | 1 · 335 m² | 31.5 m · 10 fl. |
Publications
Lifecycle & Insolvency Signals
2 events from the State GazetteTime machine: BS events + macro context
2021-2026Belgian State Gazette · acts
That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.
Analysis
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Credit advice
verdict per customer and amountCompany registry
Company registry (CBE)
Crossroads Bank| Legal nameFR | FINEL |
| AbbreviationFR | EXIN |