Turnover
≈ €130,000 estimated
The micro format states no turnover.
Fines Services
Lifetime
3 annual accounts with figures on one time axispeak €148,411 (2023)
€63,191▼ 33.7%
peak €110,540 (2023)
€37,524▼ 42.6%
peak €213,485 (2025)
€213,485▲ 21.3%
€60,877▼ 6.9%
Board2 names since 2022
2 directorsAFSCHRIFT Marieke Kristien and 1 other
Documentsfilings and deeds
03-07-202628 days before the deadline
2025micro format
Gross margin from €95,378 to €63,191Result from €65,320 to €37,524Equity from €175,961 to €213,485Cash from €35,960 to €111,877
Key points
from the 2025 annual accountsLiquidity
4.26 was 2.97 in 2024
Short-term debts fell from €65,393 to €56,077.
Position in the sector
€213,485
More equity than 80% of companies in office administrative support. Sector median €53,920 · 9,707 companies.
Checked score
97
Excellent
Financially stronger than 75% of micro companies in office administrative support (NACE 82)
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: 0.2% across 12,672 companies (NACE 82, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.2%● unchanged vs 06-2025
08-2025: 0.5%▲ +0.3 percentage points vs 07-2025
09-2025: 0.5%● unchanged vs 08-2025
10-2025: 0.5%● unchanged vs 09-2025
11-2025: 0.5%● unchanged vs 10-2025
12-2025: 0.5%● unchanged vs 11-2025
01-2026: 0.5%● unchanged vs 12-2025
02-2026: 0.5%● unchanged vs 01-2026
03-2026: 0.5%● unchanged vs 02-2026
04-2026: 0.6%▲ +0.1 percentage points vs 03-2026
05-2026: 0.6%● unchanged vs 04-2026
06-2026: 0.6%● unchanged vs 05-2026highest value
07-2026: 0.6%● unchanged vs 06-2026
08-2026: 0.1%▼ -0.5 percentage points vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: < 0.1%▼ -0.1 percentage points vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
lowers risk
Liquidity: current ratio 4.26, cash €111,877
Sector: Office administrative, office support and other business support activities (NACE 82)
Equity €213,485 (77.8% of total assets)
Figures for financial year 2025 (filed on 03-07-2026)
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, 88% on liquidity, 60% on profitability and 66% 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).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as Fines Services has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Fines Services itself is lower: < 0.1% within 12 months. It rests on far more data about Fines Services 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 39,278 companies, not a prediction for Fines Services. 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 €20,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 4.26 (2.97 in 2024), above the usual 1.5. Short-term debt is 20.4% and cash 40.8% of total assets. 22.2% 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 03-07-2026, 28 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
28 days early
2024
7 days early
2023
12 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 16 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 July (3 of the last 3 accounts filed within 30 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
Board and ownership
- COOL Thomas Michel Lieven 10 sharesdeed of 29-11-2022
- AFSCHRIFT Marieke Kristien 90 sharesdeed of 29-11-2022
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0793991025
Registered office moved from Hooglede to Staden
New registered office: Bruggestraat 80, 8840 Staden · Previous registered office: Delaeystraat 23, 8830 Hooglede · General meeting of 30-08-2024 · Gazette deed
Incorporation
Founding capital of €100, 100 shares · Founders: COOL Thomas Michel Lieven and AFSCHRIFT Marieke Kristien · Appointments: AFSCHRIFT Marieke Kristien (director) and COOL Thomas Michel Lieven (successor director) · published on 29-11-2022 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Fines Services Staden | €274,361 | €63,191 | 77.8% | - |
| NovaFin Ypres | €246,820 | €56,275 | 5.4% | - |
| I-DO CONSULT Grez-Doiceau | €237,392 | €55,263 | 75.4% | - |
| MH Pharma Q Services Keerbergen | €217,633 | €60,503 | 76.2% | - |
| LOCAS Waasmunster | €216,982 | €68,250 | 90.1% | - |
| Quality Consulting Hechtel-Eksel | €292,673 | €81,531 | 65.4% | - |
| Multitrotter Diksmuide | €202,219 | €72,584 | 88.5% | - |
These companies have the same main activity as Fines Services: office administrative and support services (NACE 82100). They are comparable in size and age: total assets between €202,000 and €293,000, founded between 2022 and 2023.
Official details
Source: KBO- Status
- Active since 25-11-2022Normal situation
- Activity
- Office administrative and support servicesNACE 82100and 1 other
- Establishment units
- 2.363.478.0468830 Hooglede, since 25-11-2022
- 2.363.478.1458840 Staden, since 25-11-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 21-10-2026
Annual accounts 2025
- €274,361▲ 13.7%
- Filing
- Filed on 03-07-2026, 28 days before the end of the filing period
Insights on Fines Services
Fines Services files the micro format. That format states no turnover. The gross margin fell from €148,411 in 2023 to €63,191 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 Fines Services
- What is the company number of Fines Services?
- The company number of Fines Services is 0793.991.025. The VAT number is the same number with BE in front: BE 0793.991.025.
- Where is Fines Services based?
- The registered office is at Bruggestraat 80, 8840 Staden.Company details
- What does Fines Services do?
- According to the KBO register, the main activity is office administrative and support services (NACE 82100).
- What is the legal form of Fines Services?
- Fines Services is a private limited company (BV).
- When was Fines Services founded?
- Fines Services was founded on 25-11-2022.
- Is Fines Services still active?
- Yes, Fines Services is an active enterprise in the KBO register.
- What is the turnover of Fines Services?
- The turnover in financial year 2025 is ≈ €130,000. This figure is estimated from the gross margin of €63,191 and 36 comparable companies (NACE 82). It probably lies between €100,000 and €180,000.Financials
- Is Fines Services profitable?
- In financial year 2025, Fines Services made a profit of €37,524.
- Where can I find the annual accounts of Fines Services?
- Fines Services filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Fines Services due?
- Fines Services must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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