FINLEYS GARAGE

Active

Private limited companyfounded 20233 yrs activeRue de Kettenis 86, 4711 Lontzen, BelgiumKBO/BCE: BE 0805.988.638

Summary

FINLEYS GARAGE has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19k and a net result of €5k. Its solvency ranks better than 67% of 1048 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).

Risk analysis Watch Report Compare

FINLEYS GARAGEActiveChecked score 73/100

Risk analysis Report Compare

Checked score

Score 2025

73 / 100

Healthy

Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability87▲+87

Solvency86▲+32

Growth78

Track record94

Bankruptcy probability, 12 months

1.3% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €1k at 30 days acceptable

Liquidity ample (current ratio 1.68 against 1.03 in 2024; short-term debt: 38.8% and cash: 21.7% of total assets), and 38.8% of the assets are financed with debt.

Credit check for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 95

Relative position

BE, all sectors

reference

Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95)

about 19% fewer bankruptcies

← fewer bankruptcies more bankruptcies →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

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

61.2%

Return on assets

14.9%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-07-2026, 29 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

29 d early

2024

30 d late

← before the deadline after the deadline →

Checked, nothing found (2)

The next deadline is still running

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

25-09-2026 today31-12-2026 close31-07-2027 deadline

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

Financials · fiscal year 2025, abbreviated schema

Equity

€19k▲ 32.2%

2024 · €14k

2024: €14k 2025: €19k▲ +32.2% vs 2024

2024 → 2025

Total assets

€31k▼ 37.5%

2024 · €49k

2024: €49k 2025: €31k▼ -37.5% vs 2024

2024 → 2025

Net result

€5k

2024 · €-16k

2024: €-16k 2025: €5k▲ +129% vs 2024

2024 → 2025

Working capital

€8k▲ 817%

2024 · €877

2024: €877 2025: €8k▲ +817% vs 2024

2024 → 2025

Trend over the years

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€14k-€19k▲ 32.2% 2024: €14k 2025: €19k▲ +32.2% vs 2024

Operating result€-15k-€6k 2024: €-15k 2025: €6k▲ +136% vs 2024

Net result€-16k-€5k 2024: €-16k 2025: €5k▲ +129% vs 2024

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

Result per fiscal year

Operating resultNet result

The operating result returns to profit in 2025: €6k after a loss of €15k in 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €31k

35.0%

65.0%

Fixed assets €11k ▼ 19.4%

Current assets €20k ▼ 44.2%

Equity and liabilities €31k

61.2%

38.8%

Equity €19k ▲ 32.2%

Debt €12k ▼ 65.9%

Debt's share of the balance-sheet total falls from 71.1% to 38.8%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€8k▲

2024 · €-12k

Cash flow

€7k▲

2024 · €-12k

Current ratio

1.68▲

2024 · 1.03

Quick ratio

1.54▲

2024 · 0.98

Debt to equity

0.63▼

2024 · 2.46

ROE

24.4%▲

2024 · -111.2%

ROA

14.9%▲

2024 · -32.2%

Interest coverage

7.54▲

2024 · -18.00

Debt ≤ 1 year

€12k▼

2024 · €35k

Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

As filed By statement

Filed annual accounts As filed with the NBB · 2025 against 2024 · 36 lines

Balance sheet Code20242025

Assets

Total assets20/58€49k€31k▼

Fixed assets21/28€13k€11k▼

Tangible fixed assets22/27€13k€11k▼

Plant, machinery and equipment23€10k€9k▼

Furniture and vehicles24€3k€1k▼

Current assets29/58€36k€20k▼

Stocks and contracts in progress3€2k€2k▼

Stocks30/36€2k€2k▼

Amounts receivable within one year40/41€29k€9k▼

Trade receivables40€2k€431▼

Other amounts receivable41€27k€8k▼

Cash at bank and in hand54/58€797€7k▲

Deferred charges and accrued income490/1€5k€3k▼

Equity and liabilities

Total equity and liabilities10/49€49k€31k▼

Equity10/15€14k€19k▲

Contributions10/11€30k€30k=

Profit (loss) carried forward14€-16k€-11k▲

Amounts payable17/49€35k€12k▼

Amounts payable within one year42/48€35k€12k▼

Trade debts44€23k€8k▼

Suppliers440/4€23k€8k▼

Taxes, remuneration and social security45€12k€4k▼

Taxes450/3€12k€4k▼

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼

Other operating charges640/8€8k€2k▼

Gross operating margin9900€-4k€10k▲

Operating profit (loss)9901€-15k€6k▲

Financial income75/76B€314€78▼

Recurring financial income75€314€78▼

Financial charges65/66B€651€1k▲

Recurring financial charges65€651€1k▲

Profit (loss) for the period before taxes9903€-16k€5k▲

Profit (loss) for the period9904€-16k€5k▲

Profit (loss) for the period to be appropriated9905€-16k€5k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-16k€-11k▲

Profit (loss) brought forward from the previous period14P-€-16k

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Accounts by statement

Income statement Balance sheet Cash flow

Line	2024	2025	Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630	€4k	€3k	▼ 30.9%
Other operating charges640/8	€8k	€2k	▼ 73.2%
Gross operating margin9900	€-4k	€10k	▲ 342%
Operating profit (loss)9901	€-15k	€6k	▲ 136%
Financial income75/76B	€314	€78	▼ 75.0%
Recurring financial income75	€314	€78	▼ 75.0%
Financial charges65/66B	€651	€1k	▲ 66.4%
Recurring financial charges65	€651	€1k	▲ 66.4%
Profit (loss) for the period before taxes9903	€-16k	€5k	▲ 129%
Profit (loss) for the period9904	€-16k	€5k	▲ 129%
Profit (loss) for the period to be appropriated9905	€-16k	€5k	▲ 129%

Line	2024	2025	Change
Assets
Total assets20/58	€49k	€31k	▼ 37.5%
Fixed assets21/28	€13k	€11k	▼ 19.4%
Tangible fixed assets22/27	€13k	€11k	▼ 19.4%
Plant, machinery and equipment23	€10k	€9k	▼ 11.2%
Furniture and vehicles24	€3k	€1k	▼ 48.8%
Current assets29/58	€36k	€20k	▼ 44.2%
Stocks and contracts in progress3	€2k	€2k	▼ 0.1%
Stocks30/36	€2k	€2k	▼ 0.1%
Amounts receivable within one year40/41	€29k	€9k	▼ 69.5%
Trade receivables40	€2k	€431	▼ 76.9%
Other amounts receivable41	€27k	€8k	▼ 69.0%
Cash at bank and in hand54/58	€797	€7k	▲ 736%
Deferred charges and accrued income490/1	€5k	€3k	▼ 37.9%
Equity and liabilities
Total equity and liabilities10/49	€49k	€31k	▼ 37.5%
Equity10/15	€14k	€19k	▲ 32.2%
Contributions10/11	€30k	€30k	=
Profit (loss) carried forward14	€-16k	€-11k	▲ 29.0%
Amounts payable17/49	€35k	€12k	▼ 65.9%
Amounts payable within one year42/48	€35k	€12k	▼ 65.9%
Trade debts44	€23k	€8k	▼ 63.6%
Suppliers440/4	€23k	€8k	▼ 63.6%
Taxes, remuneration and social security45	€12k	€4k	▼ 70.1%
Taxes450/3	€12k	€4k	▼ 70.1%

Line	2024	2025	Change
Profit (loss) for the period9904	€-16k	€5k	▲ 129%
+ Depreciation and write-downs630	€4k	€3k	▼ 30.9%
Operating cash flow (approximation)	€-12k	€7k	▲ 159%
Investment in fixed assets (approximation)	-	€0	-
Change in cash	-	€6k	-

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

Timeline · acts, filings and financial milestones

All 3Financial 1Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

02-07

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

2025

31-12

Financial Back to profitnet €5k

Net result €5k after one loss-making year.

30-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 30 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

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.

Have them read with priority Sign in to place this company at the front of the reading queue.

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, Lontzen · 1 establishment unit since 2023

seat establishment The establishment unit on the map

Ground area

3,737 m²

Building footprint

380 m²

Volume, LiDAR

1,841 m³

2 parcels, Wallonia · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

FINLEYS GARAGE

Rue de Limbourg 214, 4800 VerviersNACE 45111

since 20232.349.841.529

2 parcels

Wallonia 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
63081D0316/00A000	Wallonia	2,480 m²	1 · 311 m²	7.1 m · 2 fl.
63572B0058/00B002	Wallonia	1,257 m²	1 · 69 m²	8.0 m · 2 fl.

Linked by address, not proof of ownership

Good to know

2 of 2 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

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Vintage and Racing Services

Sint-Truiden · Eq €18,930

Of 7,373 companies in sector 95311 we hold annual accounts for 2,961. 1,571 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

Founded19-09-2023

Fiscal year end31-12

Activities, NACEBEL 2025

95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)

47820Retail sale of motor vehicle parts and accessories

46720Wholesale of motor vehicle parts and accessories

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