Financials
- Fiscal year
- 2025
- Total assets
- €15,137
- Profit
- €7,315
- Solvency
- 64.8%
Finlaco
ActiveSummary
Finlaco has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €9,815 and a net result of €7,315. Its solvency ranks better than 59% of 34931 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Overview
Activity
Business and other management consultancy
NACE 70200
1 site
Size
€15,137total assets 2025
- Equity
- €9,815
- Profit
- €7,315
Turnover not published (abridged schema)
Structure
Accounts 74 d early0 of 1 deed read
Why 96- Founded in 2025+ Sector Activities of head offices; management consultancy activities (NACE 70)+ Liquidity: current ratio 2.84, cash €4,885+ Figures for FY 2025 (filed 18-05-2026)Show the evidence
Checked score
Score 2025
96
/ 100
Excellent
Probability in this band: under 0.55%
Better than 70% of its sector peers (NACE 70, micro)
Performance against the sector, not lower risk
Financial strength
Strong
Solvency
90
equity 64.8% of total assets
Liquidity
75
short-term debt 35.2% · cash 32.3%
Profitability
100
return on assets 48.3%
Bankruptcy probability, 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).
Last 9 months
05-2026: 0.4%highest value
06-2026: < 0.1%▼ -89.0% vs 05-2026lowest value
07-2026: < 0.1%● 0.0% vs 06-2026lowest value
08-2026: < 0.1%▲ +2.5% vs 07-2026
09-2026: < 0.1%● 0.0% vs 08-2026
10-2026: < 0.1%● 0.0% vs 09-2026
- Sector Activities of head offices; management consultancy activities (NACE 70) lowers the probability
- Liquidity: current ratio 2.84, cash €4,885 lowers the probability
- Founded in 2025 raises the probability for this profile
- Figures for FY 2025 (filed 18-05-2026) lowers the probability
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 2.84; short-term debt: 35.2% and cash: 32.3% of total assets), and 35.2% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 70, micro). Better than this share of them on solvency 59%, liquidity 67%, profitability 85%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 18-05-2026, 74 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
74 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
- Annual accounts filedfiscal year 2025 · micro…
Key points
By topic
Timeline
- Events
- 1
- Since
- 2026
- 18-05-2026Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Business and other management consultancyNACE 70200
- Founded
- 16-04-2025
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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