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FINET PLUS

Active
Private limited company (pre-2019)founded 2017active for 9 yearsVlamingdam 23, 8000 Brugge, BelgiumKBO/BCE: BE 0680.725.610

From the official registers: KBO 8 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

FINET PLUS has been active since 2017 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €104,674 and a net result of €43,020, of which €23,724 non-recurring income. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 57% of 21,130 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Overview

Official details

KBO
Status
Active since 31-08-2017 Normal situation
Activity
Computer consultancy and computer facilities management NACE 62200and 3 others
Establishment unit
2.268.569.286 8000 Brugge, since 31-08-2017
Financial year end
31 December
Peppol
Reachable since 31-10-2023

Board and ownership

Board
  • VERELST FRANKDirector · since 31-08-2017

Financial position

96 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Annual accounts 2025
Gross margin
€61,624
▲ 12.7%
Turnover
≈ €120,000
estimated
Profit
€43,020
▲ 25.5%
Equity
€104,674
▲ 69.8%
Total assets
€158,613
▲ 67.9%
Filed on 01-07-2026, 30 days before the deadlineat the National Bank
Score breakdownlowers riskSector: Computer programming, consultancy and related activities (NACE 62)Liquidity: current ratio 2.93, cash €49,071Equity €104,674 (66.0% of total assets)Size: total assets €158,613Show the evidence

Checked score

Score 2025
96 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 71% of micro companies in computer programming and consultancy (NACE 62)
Financial strength · tick: 2024
Strong
Solvency 91+1
equity 66.0% of total assets
Liquidity 74+34
short-term debt 34.0% · cash 30.9%
Profitability 100=
return on assets 27.1%
Bankruptcy probability within 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 0.1% (25,908 companies, NACE 62, 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 06-2025 08-2025: 0.1%● unchanged 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 12-2025 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 06-2026highest value 08-2026: < 0.1%▼ -0.1 percentage points vs 07-2026lowest value 09-2026: < 0.1%● unchanged vs 08-2026lowest value 10-2026: < 0.1%● unchanged vs 09-2026lowest value
Credit of up to €10,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.93 (2.85 in 2024), above the usual 1.5. Short-term debt is 34% and cash 30.9% of total assets. 34% of the assets are financed with debt and provisions.
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 62, micro). It does better than 58% of them on solvency, 57% on liquidity, 82% on profitability and 85% on growth.

The bankruptcy probability was computed on 31-10-2026 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. 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).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskneutral
lowers risk · Sector: Computer programming, consultancy and related activities (NACE 62)
KBO
lowers risk · Liquidity: current ratio 2.93, cash €49,071
NBB · annual accounts
lowers risk · Equity €104,674 (66.0% of total assets)
NBB · annual accounts
lowers risk · Size: total assets €158,613
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year €104,674
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 01-07-2026, 30 days ahead of the deadline.
NBB · 8 filings
Deviation from the deadline
2025
30 days early
2024
44 days early
2023
30 days early
2022
31 days early
2021
26 days early
2020
24 days early
2019
50 days 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 34 days before the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% 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 1 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Always filed on timeaccounts within the deadline every year 8 years View
  • Positive: 6 profitable years in a rowprofit 2025: €43,020, mostly one-off 6 years View

Comparable companies

These companies have the same main activity as FINET PLUS: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €146,000 and €173,000, founded between 2016 and 2018.

CompanyTotal assetsGross margin
FINET PLUS Brugge€158,613€61,624
DH SAP Consult Wervik€146,101€68,337
BORN4IT Zedelgem€160,458€57,613
INTECO Brugge€173,031€59,523
Vanisol Waregem€169,098€72,669
State Of Mind Vorst€158,090€62,385
FONGO Ittre€152,826€60,782
Full comparison

Documents

Annual accounts at the NBB

All 8 annual accounts

Acts in the Belgian Official Gazette

All publications in the Belgian Official Gazette

Articles and registers

Key facts about FINET PLUS

What is the company number of FINET PLUS?
The company number of FINET PLUS is 0680.725.610. The VAT number is the same number with BE in front: BE 0680.725.610.
Where is FINET PLUS based?
The registered office is at Vlamingdam 23, 8000 Brugge.Company details
What does FINET PLUS do?
According to the KBO register, the main activity is computer consultancy and computer facilities management (NACE 62200).
What is the legal form of FINET PLUS?
The legal form of FINET PLUS is Private limited company (pre-2019) (BVBA).
When was FINET PLUS founded?
FINET PLUS was founded on 31-08-2017.
Is FINET PLUS still active?
Yes, FINET PLUS is an active enterprise in the KBO register.
What is the turnover of FINET PLUS?
The turnover in financial year 2025 is ≈ €120,000. This figure is estimated from the gross margin of €61,624 and 59 comparable companies (NACE 62200). It probably lies between €100,000 and €160,000.Financials
Is FINET PLUS profitable?
In financial year 2025, FINET PLUS made a profit of €43,020.
Where can I find the annual accounts of FINET PLUS?
FINET PLUS filed 8 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of FINET PLUS due?
FINET PLUS must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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