Equity
€107,233 ▼ 0.2%
FINEZ paid out €70,300 in dividends. That is 97% of the 2025 profit.
FINEZ
Lifetime
6 annual accounts with figures on one time axispeak €133,147 (2021)
€63,119▼ 2.2%
peak €102,222 (2021)
€72,275▲ 8.3%
peak €139,305 (2021)
€107,233▼ 0.2%
€148,733▲ 34.1%
Board1 name since 2019
1 directorSEGERS Inez Godelieve Frans
Documentsfilings and deeds
30-07-20261 day before the deadline
2025abbreviated format
Dividend €70,300Debts from €110,877 to €148,733Cash from €28,325 to €71,714
Key points
from the 2025 annual accountsTurnover
≈ €130,000 estimated
The accounts state no turnover.
Investments
€6,747 1.6 × depreciation
Green is investment, beige is depreciation.
Liquidity
3.94 was 14.40 in 2024
Short-term debts rose from €10,897 to €48,753.
Filings
6 annual accounts 1 late
The 2020 accounts came 16 days late. The other five were filed on time.
At the same address
6 companies
Checked score
94
Excellent
Financially stronger than 56% of micro companies in legal and accounting (NACE 69)
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: < 0.1% across 20,103 companies (NACE 69, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: 0.1%▲ +0.1 percentage points 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 06-2025highest value
08-2025: < 0.1%▼ -0.1 percentage points 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 06-2026
08-2026: < 0.1%● unchanged vs 07-2026lowest value
09-2026: < 0.1%● unchanged vs 08-2026lowest value
10-2026: < 0.1%● unchanged vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
lowers risk
Sector: Legal and accounting activities (NACE 69)
Liquidity: current ratio 3.94, cash €71,714
Figures for financial year 2025 (filed on 30-07-2026)
Size: total assets €255,966
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 69, micro). It does better than 39% of them on solvency, 69% on liquidity, 82% on profitability and 33% on growth.
The bankruptcy probability was computed on 07-11-2026 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, 26,972 companies had the same profile as FINEZ has now. Each dot stands for 68 companies, two years later.
94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of FINEZ itself is lower: < 0.1% within 12 months. It rests on far more data about FINEZ 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 26,972 companies, not a prediction for FINEZ. 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 €10,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.94 (14.4 in 2024), above the usual 1.5. Short-term debt is 19% and cash 28% of total assets. However, 58.1% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
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 30-07-2026, 1 day ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
1 day early
2024
2 days early
2023
22 days early
2022
27 days early
2021
10 days early
2020
16 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 8 days before the deadline. In the sector (NACE 69), 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 21 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
08-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- SEGERS Inez Godelieve Frans founderdeed of 20-12-2019
Shares in 2 companies, FINBuild and FINEX GROUP
Board & ownershipRecent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0739772874
Registered office moved from Breendonk to Puurs-Sint-Amands
New registered office: Provincielaan 30, 2870 Puurs-Sint-Amands · Previous registered office: Beenhouwerstraat 24, 2870 Breendonk · Board meeting of 24-03-2021 · Gazette deed
Incorporation
Founder: SEGERS Inez Godelieve Frans · Founding capital of €2,500 · Appointment: SEGERS Inez Godelieve Frans (statutory director) · published on 20-12-2019 · Gazette deed
First establishment
FINEZ BV, Provincielaan 30, Puurs-Sint-Amands
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| FINEZ Puurs-Sint-Amands | €255,966 | €63,119 | 41.9% | - |
| VINEMCO Aartselaar | €296,729 | €67,313 | 5.0% | - |
| Sas Consultancy Vosselaar | €246,314 | €71,677 | 69.2% | - |
| T. HMIDA Ixelles | €262,794 | €61,241 | 91.2% | - |
| KY FINANCE & TAX ADVISORY Brussels | €255,398 | €62,953 | 3.9% | - |
| AKINSTON AND ASSOCIATES Woluwe-Saint-Lambert | €264,672 | €58,194 | 62.7% | - |
| MEURCO Braine-l'Alleud | €230,365 | €64,726 | 97.6% | - |
These companies have the same main activity as FINEZ: certified accountants and tax accountants (NACE 69201). They are comparable in size and age: total assets between €230,000 and €297,000, founded between 2019 and 2020.
Official details
Source: KBO- Status
- Active since 18-12-2019Normal situation
- Activity
- Certified accountants and tax accountantsNACE 69201
- Establishment unit
- 2.297.230.9072870 Puurs-Sint-Amands, since 18-12-2019
- Financial year end
- 31 December
- Peppol
- Reachable since 09-04-2025
Annual accounts 2025
- €255,966▲ 17.2%
- Filing
- Filed on 30-07-2026, 1 day before the end of the filing period
Insights on FINEZ
FINEZ files the abbreviated format. That format states no turnover. The gross margin rose from €46,575 in 2020 to €63,119 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 FINEZ
- What is the company number of FINEZ?
- The company number of FINEZ is 0739.772.874. The VAT number is the same number with BE in front: BE 0739.772.874.
- Where is FINEZ based?
- The registered office is at Provincielaan 30, 2870 Puurs-Sint-Amands.Company details
- What does FINEZ do?
- According to the KBO register, the main activity is certified accountants and tax accountants (NACE 69201).
- What is the legal form of FINEZ?
- FINEZ is a private limited company (BV).
- When was FINEZ founded?
- FINEZ was founded on 18-12-2019.
- Is FINEZ still active?
- Yes, FINEZ is an active enterprise in the KBO register.
- What is the turnover of FINEZ?
- The turnover in financial year 2025 is ≈ €130,000. This figure is estimated from the gross margin of €63,119 and 70 comparable companies (NACE 69201). It probably lies between €100,000 and €180,000.Financials
- Is FINEZ profitable?
- In financial year 2025, FINEZ made a profit of €72,275.
- Where can I find the annual accounts of FINEZ?
- FINEZ filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of FINEZ due?
- FINEZ must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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