Result
-€992 -€992
From profit to loss in 2025, after a profit of €65,009 in 2024.
FINERGIE
Lifetime
18 annual accounts with figures on one time axis, 30 filings since 1996peak €127,342 (2022)
€14,215▼ 83.2%
lowest -€81,243 (2020)
-€992▼ €66,001
peak €306,808 (2025)
€306,808▲ 128%
€98,626▲ 11.1%
Board1 name since 2021
1 directorFERRIER Bruno Yves Daniel Ghislain
Documentsfilings and deeds
22-07-20269 days before the deadline
2025micro format
Gross margin from €84,563 to €14,215Loss of €992Equity from €134,852 to €306,808Investments €172,648Cash from €17,541 to €2,798
Key points
from the 2025 annual accountsTurnover
≈ €71,000 estimated
The micro format states no turnover.
Position in the sector
-€992
Lower net result than 81% of companies in architecture and engineering. Sector median €16,709 · 11,795 companies.
Checked score
87
Excellent
Financially stronger than 58% of micro companies in architecture and engineering (NACE 71)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 14,828 companies (NACE 71, micro).
About 3 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 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025lowest value
07-2025: 0.2%▲ +0.1 percentage points vs 06-2025
08-2025: 0.2%● unchanged vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025
02-2026: 0.2%● unchanged vs 01-2026
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.2%● unchanged vs 06-2026
08-2026: 0.3%▲ +0.1 percentage points vs 07-2026highest value
09-2026: 0.3%● unchanged vs 08-2026highest value
10-2026: 0.3%● unchanged vs 09-2026highest value
11-2026: 0.3%● unchanged vs 10-2026highest value
Financial strengthStrong
Score breakdown
raises risk
1 of the last 3 accounts late
Liquidity: current ratio 1.54, cash €2,798, halved
Loss of €992 (financial year 2025)
lowers risk
Size: total assets €405,434
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 71, micro). It does better than 87% of them on solvency, 23% on liquidity, 29% on profitability and 93% on growth.
The bankruptcy probability was computed on 09-11-2026 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).
Credit verdict
Credit of up to €25,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.54 (1.6 in 2024), above the usual 1.5. Short-term debt is 22% and cash 0.7% of total assets. 24.3% 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
Five signals.
lowers riskraises 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 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 days early
2024
59 days early
2023
42 days late
2022
84 days early
2021
53 days early
2020
32 days early
2019
1 day 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 28 days before the deadline. In the sector (NACE 71), the median for financial year 2024 was 8 days before the deadline, and 34% 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 8 June (4 of the last 5 accounts filed within 44 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0455945431
Change of role: FERRIER Bruno Yves Daniel Ghislain, from manager to director
“L'intermédiation en assurances et en services financiers en tant que sousagent d'assurances; Bureau…” (deed in French) · Legal-form conversion: from private limited company (pre-2019) to private limited company · Director discharge: FERRIER Bruno Yves Daniel Ghislain · General meeting of 30-11-2023 · Gazette deed
First establishment
Rue Emile Francqui 11, Mont-Saint-Guibert
Incorporation
published on 04-10-1995 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| FINERGIE Mont-Saint-Guibert | €405,434 | €14,215 | 75.7% | - |
| DINA Linter | €384,113 | €9,997 | 88.6% | - |
| BE-KOZ INTERIOR DESIGN Uccle | €361,171 | €11,329 | 89.1% | - |
| CAPVER Chaumont-Gistoux | €378,488 | €31,889 | 89.3% | - |
| CANASTA Zedelgem | €253,142 | €11,795 | 57.7% | - |
| MAXIME DE CAMPENAERE STUDIO Schaerbeek | €431,928 | €18,144 | 17.4% | - |
| PETRIVO DECORA Sint-Katelijne-Waver | €502,331 | €25,060 | 31.7% | - |
These companies have the same main activity as FINERGIE: activities of interior architects (NACE 71112). They are comparable in size and age: total assets between €253,000 and €502,000, founded between 1985 and 2005.
Official details
Source: KBO- Status
- Active since 12-09-1995Normal situation
- Activity
- Activities of interior architectsNACE 71112and 1 other
- Establishment unit
- 2.073.225.9361435 Mont-Saint-Guibert, since 27-09-1995
- Financial year end
- 31 December
- Peppol
- Reachable since 04-06-2026
Annual accounts 2025
- €405,434▲ 81.3%
- Filing
- Filed on 22-07-2026, 9 days before the end of the filing period
Insights on FINERGIE
FINERGIE files the micro format. That format states no turnover. The gross margin fell from €15,557 in 2008 to €14,215 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 FINERGIE
- What is the company number of FINERGIE?
- The company number of FINERGIE is 0455.945.431. The VAT number is the same number with BE in front: BE 0455.945.431.
- Where is FINERGIE based?
- The registered office is at Rue de Nivelles 1, 1435 Mont-Saint-Guibert.Company details
- What does FINERGIE do?
- According to the KBO register, the main activity is activities of interior architects (NACE 71112).
- What is the legal form of FINERGIE?
- FINERGIE is a private limited company (BV).
- When was FINERGIE founded?
- FINERGIE was founded on 12-09-1995.
- Is FINERGIE still active?
- Yes, FINERGIE is an active enterprise in the KBO register.
- What is the turnover of FINERGIE?
- The turnover in financial year 2025 is ≈ €71,000. This figure is estimated from the gross margin of €14,215 and 94 comparable companies (NACE 711). It probably lies between €44,000 and €140,000. It is a rough estimate.Financials
- Is FINERGIE profitable?
- In financial year 2025, FINERGIE made a loss of €992.
- Where can I find the annual accounts of FINERGIE?
- FINERGIE filed 30 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of FINERGIE due?
- FINERGIE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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