Financials
- Fiscal year
- 2025
- Total assets
- €697
- Loss
- -€1,803
- Solvency
- 100.0%
Finmate
ActiveSummary
The computed 12-month bankruptcy probability of Finmate is 3.2% (moderate). The annual accounts of Finmate for fiscal year 2025 show a net loss of 259% of total assets. The 2025 annual accounts show equity of €697 and a net result of -€1,803. The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Activity not known1 site
Size
€697total assets 2025
- Equity
- €697
- Loss
- -€1,803
Turnover not published (abridged schema)
Structure
Accounts filed 31 days late0 of 1 deed read
Why 49- Founded in 2024- No main activity registered- Latest accounts 31 days late; 1 of the last 3 late+ Size: total assets €697Show the evidence
Checked score
Score 2025
49
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 33% of its sector peers (no NACE code, micro)
Financial strength
Weak
Solvency
100
equity 100.0% of total assets
Liquidity
20
cash 8.2%
Profitability
0
return on assets -258.7%
Bankruptcy probability, 12 months
3.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
08-2025: 2.4%lowest value
09-2025: 2.4%● unchanged vs 08-2025lowest value
10-2025: 2.5%▲ +0.1 percentage points vs 09-2025
11-2025: 2.9%▲ +0.4 percentage points vs 10-2025
12-2025: 3.1%▲ +0.2 percentage points vs 11-2025
01-2026: 3.4%▲ +0.3 percentage points vs 12-2025
02-2026: 3.4%● unchanged vs 01-2026
03-2026: 3.6%▲ +0.2 percentage points vs 02-2026
04-2026: 3.6%● unchanged vs 03-2026
05-2026: 3.5%▼ -0.1 percentage points vs 04-2026
06-2026: 3.5%● unchanged vs 05-2026
07-2026: 3.8%▲ +0.3 percentage points vs 06-2026
08-2026: 4.6%▲ +0.8 percentage points vs 07-2026highest value
09-2026: 3.2%▼ -1.4 percentage points vs 08-2026
10-2026: 3.2%● unchanged vs 09-2026
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
balance sheet total too small for a liquidity verdict.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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 (no NACE code, micro): better than 81% on solvency, 12% on liquidity and 4% on profitability.
The bankruptcy probability was computed on 06-10-2026 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
Credit check for your own amount and term
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Signals
Five signals.
−lowers risk+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 1 filingDeviation from the deadline
2025
31 days late
← 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
Company details
- Sites
- 1
- Legal form
- Private limited company
- Founded
- 29-07-2024
- Year ends
- 31-12
- Peppol
- Not found in the Peppol directory
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