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FINEX MANAGEMENT

Active
Private limited companyfounded 2022active for 4 yearsStationsstraat 65, 2860 Sint-Katelijne-Waver, BelgiumKBO/BCE: BE 0783.430.495

From the official registers: KBO 4 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

FINEX MANAGEMENT has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €17,150 and a net result of -€4,549. Equity has been shrinking by about 8% per year since 2022. Its solvency ranks better than 41% of 2,296 sector peers (NACE 63, financial year 2025). The computed 12-month bankruptcy probability is 1.1% (low).

Overview

Official details

KBO
Status
Active since 15-03-2022 Normal situation
Activity
Other information service activities NACE 63920and 1 other
Establishment unit
2.328.953.568 2860 Sint-Katelijne-Waver, since 15-03-2022
Financial year end
31 December
Peppol
Reachable since 31-10-2023

Board and ownership

Board
  • Payeur JeffreyDirector

Financial position

65 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
1.1%
Annual accounts 2025
Gross margin
-€996
▲ 54.2%
Loss
€4,549
▼ 40.3%
Equity
€17,150
▼ 21.0%
Total assets
€38,286
▲ 8.3%
Turnover not published (micro format)
Filed on 29-08-2026, 29 days after the deadlineat the National Bank
Score breakdownraises riskLiquidity: current ratio 1.33Last filed accounts filed 29 days late; 1 of the last 3 accounts latelowers riskSector: Computing infrastructure, data processing, hosting and other information service activities (NACE 63)Size: total assets €38,286Show the evidence

Checked score

Score 2025
65 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially stronger than 26% of micro companies in computing infrastructure and information services (NACE 63)
Financial strength · tick: 2024
Weak
Solvency 70-16
equity 44.8% of total assets
Liquidity 43-10
short-term debt 55.2%
Profitability 4+4
return on assets -11.9%
Bankruptcy probability within 12 months
1.1% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (2,946 companies, NACE 63, 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 01-2025lowest value 03-2025: 0.2%▲ +0.1 percentage points 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: 0.4%▲ +0.2 percentage points vs 07-2025 09-2025: 0.5%▲ +0.1 percentage points vs 08-2025 10-2025: 0.6%▲ +0.1 percentage points vs 09-2025 11-2025: 0.5%▼ -0.1 percentage points 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: 0.5%● unchanged vs 03-2026 05-2026: 0.6%▲ +0.1 percentage points vs 04-2026 06-2026: 0.6%● unchanged vs 05-2026 07-2026: 0.6%● unchanged vs 06-2026 08-2026: 0.9%▲ +0.3 percentage points vs 07-2026 09-2026: 1.1%▲ +0.2 percentage points vs 08-2026highest value 10-2026: 1.1%● unchanged vs 09-2026highest value
Credit of up to €1,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.33 (1.69 in 2024), below the usual 1.5. Short-term debt is 55.2% of total assets. 55.2% 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 63, micro). It does better than 43% of them on solvency, 22% on liquidity, 15% on profitability and 24% 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 riskraises risk
lowers risk · Sector: Computing infrastructure, data processing, hosting and other information service activities (NACE 63)
KBO
raises risk · Liquidity: current ratio 1.33
NBB · annual accounts
lowers risk · Size: total assets €38,286
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Last filed accounts filed 29 days late; 1 of the last 3 accounts late
NBB · filings
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
22232425
2022 to 2025 · latest year -€4,549
raises risk · 2025 accounts filed 29 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 4 filings
Deviation from the deadline
2025
29 days late
2024
52 days late
2023
29 days late
2022
18 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 4 accounts on average 32 days after the deadline. In the sector (NACE 63), the median for financial year 2024 was 9 days before the deadline, and 32% 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 30 August (4 of the last 4 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 incorporation in 2022.
KBO publications

Key points

  • Caution: Lower net result than 84% of companies in computing infrastructure and information servicessector median €20,152 · 2,295 companies -€4,549 View
  • Caution: 2 loss-making years in a rowloss in financial year 2025 -€4,549 View

Comparable companies

These companies have the same main activity as FINEX MANAGEMENT: other information service activities (NACE 63920). They are comparable in size and age: total assets between €31,700 and €45,000, founded between 2021 and 2022.

CompanyTotal assetsGross margin
FINEX MANAGEMENT Sint-Katelijne-Waver€38,286-€996
PLUS ADDITIVES Ravels€34,942-€4,659
Carship Puurs-Sint-Amands€32,757-€5,719
C-level Belgium Beveren-Kruibeke-Zwijndrecht€45,002-€7,899
I-Energy Lille€31,717-€23,833
SOMOS Gent€39,231-€2,962
RuMe Consulting Rotselaar€36,143€440
Full comparison

Documents

Annual accounts at the NBB

Acts in the Belgian Official Gazette

All publications in the Belgian Official Gazette

Articles and registers

Key facts about FINEX MANAGEMENT

What is the company number of FINEX MANAGEMENT?
The company number of FINEX MANAGEMENT is 0783.430.495. The VAT number is the same number with BE in front: BE 0783.430.495.
Where is FINEX MANAGEMENT based?
The registered office is at Stationsstraat 65, 2860 Sint-Katelijne-Waver.Company details
What does FINEX MANAGEMENT do?
According to the KBO register, the main activity is other information service activities (NACE 63920).
What is the legal form of FINEX MANAGEMENT?
The legal form of FINEX MANAGEMENT is Private limited company (BV).
When was FINEX MANAGEMENT founded?
FINEX MANAGEMENT was founded on 15-03-2022.
Is FINEX MANAGEMENT still active?
Yes, FINEX MANAGEMENT is an active enterprise in the KBO register.
What is the turnover of FINEX MANAGEMENT?
The annual accounts for financial year 2025 state no turnover. The micro format does not require it.Financials
Is FINEX MANAGEMENT profitable?
In financial year 2025, FINEX MANAGEMENT made a loss of €4,549.
Where can I find the annual accounts of FINEX MANAGEMENT?
FINEX MANAGEMENT filed 4 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 FINEX MANAGEMENT due?
FINEX MANAGEMENT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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