FINESSE

Active

Private limited companyfounded 1996active for 30 yearsSt. Jozefstraat 5, 1740 Ternat, BelgiumKBO/BCE: BE 0457.417.257

Summary

FINESSE has been active since 1996 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €99,640 and a net result of €37,555. Equity is growing by about 7.3% per year across the filed financial years. Its solvency ranks better than 82% of 12,672 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisFollow Report Compare

FINESSEActiveChecked score 93/100

Risk analysis Report Compare

Activity

Retail sale of meat and meat products, excluding game and poultry

NACE 47221

1 site

Size

€140,563total assets 2025

Staff: 6.9 FTE
Equity: €99,640
Profit: €37,555

Turnover not published (abbreviated or micro format)

Financial health

93 Excellent Checked score 2025

Bankruptcy probabilitywithin 12 months: 0.2%

Structure

GUNST GrietDirector
Soete BartDirector

2025 accounts 39 days early2 of 5 deeds summarised

Why 93raises risk1 change of registered office in 24 monthslowers riskLiquidity: current ratio 2.72, cash €96,708Equity €99,640 (70.9% of total assets)Founded in 1996Show the evidence

Checked score

Score 2025

93 / 100

Excellent

Probability in this band: under 0.55%

Financially better than 86% of its sector peers (NACE 47, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Strong

Solvency 96+38

equity 70.9% of total assets

Liquidity 88+19

short-term debt 29.1% · cash 68.8%

Profitability 100+22

return on assets 26.7%

Bankruptcy probability, 12 months

0.2% Very low

0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,231 companies, NACE 47, micro)

Last 24 months 11-2024: 0.9%highest value 12-2024: 0.8%▼ -0.1 percentage points vs 11-2024 01-2025: 0.3%▼ -0.5 percentage points vs 12-2024 02-2025: 0.3%● unchanged vs 01-2025 03-2025: 0.3%● unchanged vs 02-2025 04-2025: 0.3%● unchanged vs 03-2025 05-2025: 0.3%● unchanged vs 04-2025 06-2025: 0.7%▲ +0.4 percentage points vs 05-2025 07-2025: 0.7%● unchanged vs 06-2025 08-2025: 0.7%● unchanged vs 07-2025 09-2025: 0.7%● unchanged vs 08-2025 10-2025: 0.7%● unchanged vs 09-2025 11-2025: 0.9%▲ +0.2 percentage points vs 10-2025 12-2025: 0.8%▼ -0.1 percentage points vs 11-2025 01-2026: 0.2%▼ -0.6 percentage points 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: 0.2%● unchanged vs 07-2026 09-2026: 0.2%● unchanged vs 08-2026 10-2026: 0.2%● unchanged vs 09-2026lowest value

Credit of up to €9,000 on 30-day terms is acceptable

Liquidity ample (current ratio 2.72, compared with 1.21 in 2024, above the usual 1.5; short-term debt: 29.1% and cash: 68.8% of total assets), and 29.1% 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 47, micro): better than 81% on solvency, 90% on liquidity, 96% on profitability and 76% on growth.

The bankruptcy probability was computed on 24-10-2026 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).

Credit check for your own amount and term

Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

Five signals.

lowers riskraises riskneutral

Liquidity: current ratio 2.72, cash €96,708

NBB · annual accounts

1 change of registered office in 24 months

Belgian Official Gazette

Equity €99,640 (70.9% of total assets)

NBB · annual accounts

Founded in 1996

Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.

KBO

Latest accounts filed on time

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 23-12-2025, 39 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

39 days early

2024

50 days early

2023

44 days early

2022

47 days early

2021

19 days early

2020

51 days early

2019

22 days early

← 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 39 days before the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 18 December (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

30-06-2026 year end25-10-2026 today31-01-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

23-12-2025 Annual accounts filedfinancial year 2025 · abbreviated…
30-06-2025 Liquidity more than doubledcurrent ratio 2.72
05-05-2025 Registered officeDirector in office · Registered-office…

Key points

Positive: Among the best 18% on solvencysector median 36.7% · 12,672 companies 70.9% View
Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
Board2 directors in office 2 View

By topic

Financials

Financial year: 2025
Total assets: €140,563
Profit: €37,555
Solvency: 70.9%

Total assets▼ 41.8%

Net result

20192025

Go to Financials

Board & ownership

Board: 2 members

GUNST GrietDirector
Soete BartDirector

Go to Board & ownership

Timeline

Events: 34
Since: 1998
Next accounts: by 31-01-2027

12-12-2024Annual accounts filed
30-06-2024Back to profit
16-01-2024Resignations: BG (manager) and Soete Bart (manager)

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company
Activity: Retail sale of meat and meat products, excluding…NACE 47221
Founded: 14-03-1996
Year ends: 30-06
Peppol: Reachable for e-invoices

Go to Company details

Articles of association

Provisions read: 16

Purpose: “De organisatie van allerlei feestelijkheden en manifestaties op het vlak van een aanbod in…” (deed in Dutch)

Go to Articles of association

Key facts about FINESSE

What is the company number of FINESSE?: 0457.417.257. In Belgium the VAT number is the company number with BE in front: BE 0457.417.257.
Where is FINESSE based?: The registered office is at St. Jozefstraat 5, 1740 Ternat.Company details
What does FINESSE do?: According to the KBO register, the main activity is retail sale of meat and meat products, excluding game and poultry (NACE 47221).
What is the legal form of FINESSE?: Private limited company (BV).
When was FINESSE founded?: On 14-03-1996.
Is FINESSE still active?: Yes, FINESSE is an active enterprise in the KBO register.
How many employees does FINESSE have?: On average 6.9 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of FINESSE?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is FINESSE profitable?: In financial year 2025, FINESSE made a profit of €37,555.
Where can I find the annual accounts of FINESSE?: FINESSE filed 28 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of FINESSE due?: By 31-01-2027, for financial year 2026.Timeline