Finmate
ActiveFrom the official registers: KBO 1 annual account at the National Bank publications in the Belgian Official Gazette
Summary
The computed 12-month bankruptcy probability of Finmate is 3.2% (moderate). The annual accounts of Finmate for financial 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 Official Gazette contains no insolvency or warning signals.
Financials · financial year 2025, micro format
2025 annual accounts filed late (31 days) Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00485157.
Annual accounts 2025
- Financial year ended
- 31-12-2025
- Filed on
- 31-08-2026
- Format
- micro format
- Reference
- 2026-00485157
Turnover and EBIT margin not published: the micro format does not require them.
Peer companies
Historical observationOf the 3,223 companies that looked in July 2024 the way this one looks now, 3.4% went bankrupt within 24 months and 87.8% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a loss of 10% of the balance sheet or more
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 3.2% 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 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% 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 3,223 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.
| Line | 2025 |
|---|---|
| Gross operating margin9900 | -€1,753 |
| Operating profit (loss)9901 | -€1,753 |
| Financial charges65/66B | €50 |
| Recurring financial charges65 | €50 |
| Profit (loss) for the period before taxes9903 | -€1,803 |
| Profit (loss) for the period9904 | -€1,803 |
| Profit (loss) for the period to be appropriated9905 | -€1,803 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €697 | |
| Current assets29/58 | €697 | |
| Amounts receivable within one year40/41 | €640 | |
| Other amounts receivable41 | €640 | |
| Cash at bank and in hand54/58 | €57 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €697 | |
| Equity10/15 | €697 | |
| Contributions10/11 | €2,500 | |
| Profit (loss) carried forward14 | -€1,803 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | -€1,803 |
| Operating cash flow (approximation) | -€1,803 |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (1)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 31-08-2026 | 2026-00485157 | NBB |
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.