FINESSE CONSTRUCT
ActiveSummary
The computed 12-month bankruptcy probability of FINESSE CONSTRUCT is 2.9% (moderate). The 2025 annual accounts show negative equity (-€72) and a net result of -€116. Its solvency ranks better than 8% of 1,237 sector peers (NACE 42, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Financials · financial year 2025, micro format
2024 to 2025, 2 financial years
2024 is the only financial year with figures: the operating result is a loss of €2,456.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 42, Civil engineering: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital.
Peer companies
Historical observationOf the 7,638 companies that looked in July 2024 the way this one looks now, 8.9% went bankrupt within 24 months and 84.9% are still going.
- Micro
- 2 to 5 years old
- negative equity
- a loss of 10% of the balance sheet or more
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 2.9% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,472 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 7,638 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Other operating charges640/8 | €50 | - | - |
| Gross operating margin9900 | -€2,406 | - | - |
| Operating profit (loss)9901 | -€2,456 | - | - |
| Financial charges65/66B | - | €116 | - |
| Recurring financial charges65 | - | €116 | - |
| Profit (loss) for the period before taxes9903 | -€2,456 | -€116 | ▲ 95.3% |
| Profit (loss) for the period9904 | -€2,456 | -€116 | ▲ 95.3% |
| Profit (loss) for the period to be appropriated9905 | -€2,456 | -€116 | ▲ 95.3% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €509 | €505 | ▼ 0.7% |
| Current assets29/58 | €509 | €505 | ▼ 0.7% |
| Amounts receivable within one year40/41 | €505 | €505 | = |
| Other amounts receivable41 | €505 | €505 | = |
| Cash at bank and in hand54/58 | €3 | - | - |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €509 | €505 | ▼ 0.7% |
| Equity10/15 | €44 | -€72 | - |
| Contributions10/11 | €2,500 | €2,500 | = |
| Profit (loss) carried forward14 | -€2,456 | -€2,572 | ▼ 4.7% |
| Amounts payable17/49 | €464 | €577 | ▲ 24.3% |
| Amounts payable within one year42/48 | €464 | €577 | ▲ 24.3% |
| Financial debts43 | - | €13 | - |
| Credit institutions430/8 | - | €13 | - |
| Other amounts payable47/48 | €464 | €564 | ▲ 21.5% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | -€2,456 | -€116 | ▲ 95.3% |
| Operating cash flow (approximation) | -€2,456 | -€116 | ▲ 95.3% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (2)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 08-07-2026 | 2026-00284216 |
| 31-12-2024 | micro format | 18-07-2025 | 2025-00288795 |
Similar companies · same sector and region
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.