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FinLa

Active
Private limited companyfounded 20251 yr activeBeekstraat(VRA) 18, 9120 Beveren-Kruibeke-Zwijndrecht, BelgiumKBO/BCE: BE 1022.649.026
Summary

FinLa has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €76,937 and a net result of €70,937. Its solvency ranks better than 38% of 31958 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Checked score

Score 2025
Axes
Profitability100
Solvency66
Growth-
Track record67
Bankruptcy probability, 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days only on tighter terms
Liquidity tight (current ratio 1.23; short-term debt: 58.9% and cash: 55.1% of total assets), and 58.9% of the assets are financed with debt.
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Signals

Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
41.1%
Return on assets
37.9%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 22-12-2025, 129 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
129 d early
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 24 April 2025, FinLa was incorporated as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€76,937
Total assets
€187,109
Net result
€70,937
Working capital
€25,784

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €187,109
Fixed assets €51,153
Current assets €135,956
Equity and liabilities €187,109
Equity €76,937
Debt €110,172
Debt finances 58.9% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€102,614
Cash flow
€74,701
Current ratio
1.23
Debt to equity
1.43
ROE
92.2%
ROA
37.9%
Debt ≤ 1 year
€110,172
Income taxes
€27,913

Peer companies

Historical observation

Of the 11,280 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 97% are still going.

  • Micro
  • under 2 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
0.7% went bankrupt
2.6% stopped otherwise
97% still going

For this company itself Checked computes a bankruptcy probability of 0.3% 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 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.9%
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% 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 11,280 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.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 33 lines
Balance sheet Code2025
Assets
Total assets20/58€187,109
Fixed assets21/28€51,153
Tangible fixed assets22/27€51,153
Furniture and vehicles24€51,153
Current assets29/58€135,956
Amounts receivable within one year40/41€30,855
Trade receivables40€30,855
Cash at bank and in hand54/58€103,130
Deferred charges and accrued income490/1€1,971
Equity and liabilities
Total equity and liabilities10/49€187,109
Equity10/15€76,937
Contributions10/11€6,000
Reserves13€70,937
Distributable reserves133€70,937
Amounts payable17/49€110,172
Amounts payable within one year42/48€110,172
Trade debts44€5,826
Suppliers440/4€5,826
Taxes, remuneration and social security45€43,575
Taxes450/3€43,255
Remuneration and social security454/9€320
Other amounts payable47/48€60,770
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3,764
Other operating charges640/8€1,061
Gross operating margin9900€103,675
Operating profit (loss)9901€98,850
Profit (loss) for the period before taxes9903€98,850
Income taxes67/77€27,913
Profit (loss) for the period9904€70,937
Profit (loss) for the period to be appropriated9905€70,937
Appropriation of the result
Profit (loss) to be appropriated9906€70,937
Transfer to equity691/2€70,937
To other reserves6921€70,937

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3,764
Other operating charges640/8€1,061
Gross operating margin9900€103,675
Operating profit (loss)9901€98,850
Profit (loss) for the period before taxes9903€98,850
Income taxes67/77€27,913
Profit (loss) for the period9904€70,937
Profit (loss) for the period to be appropriated9905€70,937
Line2025
Assets
Total assets20/58€187,109
Fixed assets21/28€51,153
Tangible fixed assets22/27€51,153
Furniture and vehicles24€51,153
Current assets29/58€135,956
Amounts receivable within one year40/41€30,855
Trade receivables40€30,855
Cash at bank and in hand54/58€103,130
Deferred charges and accrued income490/1€1,971
Equity and liabilities
Total equity and liabilities10/49€187,109
Equity10/15€76,937
Contributions10/11€6,000
Reserves13€70,937
Distributable reserves133€70,937
Amounts payable17/49€110,172
Amounts payable within one year42/48€110,172
Trade debts44€5,826
Suppliers440/4€5,826
Taxes, remuneration and social security45€43,575
Taxes450/3€43,255
Remuneration and social security454/9€320
Other amounts payable47/48€60,770
Line2025
Profit (loss) for the period9904€70,937
+ Depreciation and write-downs630€3,764
Operating cash flow (approximation)€74,701

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
23-02
State Gazette act General meeting · Statutes amendment
Capital · Corporate purpose
10-02
State Gazette act General meeting · Director resignation
Director discharge · Director appointment
2025
22-12
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
State Gazette actNBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2025
seat establishment approximate The establishment unit on the map
Ground area
1,013 m²
Building footprint
158 m²
Volume, LiDAR
421 m³
Parcel 46028C0631/00G000, Flanders · tallest building 4.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
FinLa
Beekstraat(VRA) 18, 9120 Beveren-Kruibeke-ZwijndrechtActivities of head offices
since 20252.373.596.532
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
46028C0631/00G000 Flanders 1,013 m² 1 · 158 m² 4.0 m · 1 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Structure & network

Connections & network

Depth

The group is listed under Ownership & control below; here you explore it as a network.

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Ownership & control

1 board mandate
Board mandates of this companythis company sits on their board1

Similar companies · same sector, comparable size

Of 5,712 companies in sector 70100 we hold annual accounts for 3,519. 2,207 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded24-04-2025
Fiscal year end30-09
Activities, NACEBEL 2025
70100Activities of head offices
70200Business and other management consultancy
82100Office administrative and support services
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID 0208:1022649026
Registered 17-07-2026

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 29 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.