FINERO

Active

Private limited companyfounded 1998active for 28 yearsNieuwstraat 44, 3511 Hasselt, BelgiumKBO/BCE: BE 0463.496.880

Summary

FINERO has been active since 1998 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €457,222 and a net result of -€26,570. Equity is shrinking by about 5% per year across the filed financial years. Its solvency ranks better than 94% of 17,046 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisFollow Report Compare

FINEROActiveChecked score 96/100

Risk analysis Report Compare

Activity

Renting and operating of own or leased residential real estate, excluding social housing

NACE 68201

2 sites

Size

€485,912total assets 2025

Equity: €457,222
Loss: -€26,570

Turnover not published (micro format)

Financial health

96 Excellent Checked score 2025

Bankruptcy probabilitywithin 12 months: 0.1%

Structure

ARIËN KristelDirector

2025 accounts 29 days early1 of 2 deeds summarised

Why 96raises riskLoss of €26,570 (financial year 2025)lowers riskLiquidity: current ratio 10.55, cash €266,388Equity €457,222 (94.1% of total assets)Sector: Real estate activities (NACE 68)Show the evidence

Checked score

Score 2025

96 / 100

Excellent

Probability in this band: under 0.55%

Financially better than 68% of its sector peers (NACE 68, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Strong

Solvency 100=

equity 94.1% of total assets

Liquidity 100+19

short-term debt 5.4% · cash 54.8%

Profitability 62-29

return on assets -5.5%

Bankruptcy probability, 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% (26,614 companies, NACE 68, micro)

Last 24 months 11-2024: 0.1% 12-2024: 0.1%● unchanged vs 11-2024 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 05-2025 07-2025: 0.1%● unchanged vs 06-2025highest value 08-2025: < 0.1%▼ -0.1 percentage points 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 12-2025lowest value 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%▲ +0.1 percentage points vs 07-2026 09-2026: 0.1%● unchanged vs 08-2026 10-2026: 0.1%● unchanged vs 09-2026

Credit of up to €40,000 on 30-day terms is acceptable

Liquidity ample (current ratio 10.55, compared with 9.54 in 2024, above the usual 1.5; short-term debt: 5.4% and cash: 54.8% of total assets), and 5.9% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 68, micro): better than 91% on solvency, 98% on liquidity, 49% on profitability and 33% on growth.

The bankruptcy probability was computed on 27-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.

lowers riskraises riskneutral

Loss of €26,570 (financial year 2025)

NBB · annual accounts

Liquidity: current ratio 10.55, cash €266,388

NBB · annual accounts

Equity €457,222 (94.1% of total assets)

NBB · annual accounts

Sector: Real estate activities (NACE 68)

KBO

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-07-2026, 29 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

29 days early

2024

3 days early

2023

55 days early

2022

32 days early

2021

22 days late

2020

6 days late

2019

101 days late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 1 day after the deadline; the sector median (NACE 68) for financial year 2024 is 7 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)

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 2 July (4 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

27-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

02-07-2026 Annual accounts filedfinancial year 2025 · micro…
28-07-2025 Annual accounts filedfinancial year 2024 · micro…
31-12-2024 Back to profitnet €93,790

Key points

Caution: From profit to loss in 2025after €93,790 in 2024 -€26,570 View
Caution: Among the weakest 14% on net resultsector median €6,029 · 17,036 companies -€26,570 View
Positive: Filed on time since financial year 2022accounts within the deadline every year 4 years View

By topic

Financials

Financial year: 2025
Total assets: €485,912
Loss: -€26,570
Solvency: 94.1%

Total assets▼ 6.6%

Net result

20182025

Go to Financials

Board & ownership

Board: 1 member

ARIËN KristelDirector

Go to Board & ownership

Timeline

Events: 32
Since: 1999
Next accounts: by 31-07-2027

08-07-2024Resignation: ARIËN Kristel (statutory manager)
06-06-2024Annual accounts filed
31-12-2023Weakest financial year

Go to Timeline

Company details

Sites: 2

Legal form: Private limited company
Activity: Renting and operating of own or leased residential…NACE 68201
Founded: 04-06-1998
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Articles of association

Provisions read: 25

Who signs: Each director alone
Annual meeting: Second Friday of June at 18:00

Go to Articles of association

Key facts about FINERO

What is the company number of FINERO?: 0463.496.880. In Belgium the VAT number is the company number with BE in front: BE 0463.496.880.
Where is FINERO based?: The registered office is at Nieuwstraat 44, 3511 Hasselt.Company details
What does FINERO do?: According to the KBO register, the main activity is renting and operating of own or leased residential real estate, excluding social housing (NACE 68201).
What is the legal form of FINERO?: Private limited company (BV).
When was FINERO founded?: On 04-06-1998.
Is FINERO still active?: Yes, FINERO is an active enterprise in the KBO register.
What is the turnover of FINERO?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is FINERO profitable?: In financial year 2025, FINERO made a loss of €26,570.
Where can I find the annual accounts of FINERO?: FINERO filed 28 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of FINERO due?: By 31-07-2027, for financial year 2026.Timeline