Finnai Value
ActiveSummary
Finnai Value has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €182,006 and a net result of €77,526. Equity is growing by about 77% per year across the filed financial years. Its solvency ranks better than 67% of 39,137 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Overview
- Equity
- €182,006
- Profit
- €77,526
Why 98raises riskFounded in 2023lowers riskLiquidity: current ratio 7.86, cash €169,152Sector: Activities of head offices; management consultancy activities (NACE 70)Size: total assets €255,069Show the evidence
Checked score
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
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 (NACE 70, micro): better than 67% on solvency, 93% on liquidity, 84% on profitability and 86% on growth.
The bankruptcy probability was computed on 25-10-2026 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).
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Signals
This company filed its last 3 accounts on average 1 day after the deadline; the sector median (NACE 70) for financial year 2024 is 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · micro…
- Liquidity more than doubledcurrent ratio 7.86
- Equity above €150,000equity €182,006 ▲74.2%
Financials · financial year 2025, micro format
2025 annual accounts filed late (10 days) Filed on 10 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00389887.
2023 to 2025, 3 financial years
The operating result has risen two years in a row; 2025 is 2% above 2024 and is the highest result in the available series.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 70, Activities of head offices; management consultancy activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Peer companies
Historical observationOf the 39,278 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 95.8% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: < 0.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,475 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 39,278 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 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | €638 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €45 | €313 | ▲ 591% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | €40,682 | - |
| Other operating charges640/8 | €50 | €0 | - | - |
| Gross operating margin9900 | €25,290 | €106,540 | €150,689 | ▲ 41.4% |
| Operating profit (loss)9901 | €25,240 | €106,495 | €109,056 | ▲ 2.4% |
| Financial income75/76B | - | - | €2,089 | - |
| Recurring financial income75 | - | - | €2,089 | - |
| Financial charges65/66B | €8 | €2,399 | €126 | ▼ 94.7% |
| Recurring financial charges65 | €8 | €2,399 | €126 | ▼ 94.7% |
| Profit (loss) for the period before taxes9903 | €25,232 | €104,096 | €111,019 | ▲ 6.7% |
| Income taxes67/77 | €5,059 | €21,456 | €33,493 | ▲ 56.1% |
| Profit (loss) for the period9904 | €20,173 | €82,640 | €77,526 | ▼ 6.2% |
| Profit (loss) for the period to be appropriated9905 | €20,173 | €82,640 | €77,526 | ▼ 6.2% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €49,587 | €155,774 | €255,069 | ▲ 63.7% |
| Fixed assets21/28 | - | €892 | €580 | ▼ 35.0% |
| Tangible fixed assets22/27 | - | €892 | €580 | ▼ 35.0% |
| Furniture and vehicles24 | - | €892 | €580 | ▼ 35.0% |
| Current assets29/58 | €49,587 | €154,882 | €254,489 | ▲ 64.3% |
| Amounts receivable within one year40/41 | €34,304 | €33,880 | €83,526 | ▲ 147% |
| Trade receivables40 | €34,304 | €33,880 | €83,526 | ▲ 147% |
| Current investments50/53 | - | €75,000 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €14,229 | €44,961 | €169,152 | ▲ 276% |
| Deferred charges and accrued income490/1 | €1,054 | €1,040 | €1,811 | ▲ 74.1% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €49,587 | €155,774 | €255,069 | ▲ 63.7% |
| Equity10/15 | €21,840 | €104,480 | €182,006 | ▲ 74.2% |
| Contributions10/11 | €2,500 | €2,500 | €2,500 | = |
| Profit (loss) carried forward14 | €19,340 | €101,980 | €179,506 | ▲ 76.0% |
| Provisions and deferred taxes16 | - | - | €40,682 | - |
| Provisions for liabilities and charges160/5 | - | - | €40,682 | - |
| Other liabilities and charges164/5 | - | - | €40,682 | - |
| Amounts payable17/49 | €27,748 | €51,294 | €32,381 | ▼ 36.9% |
| Amounts payable within one year42/48 | €27,748 | €51,294 | €32,381 | ▼ 36.9% |
| Trade debts44 | €417 | €430 | €454 | ▲ 5.6% |
| Suppliers440/4 | €417 | €430 | €454 | ▲ 5.6% |
| Taxes, remuneration and social security45 | €11,498 | €34,742 | €31,321 | ▼ 9.8% |
| Taxes450/3 | €11,498 | €32,309 | €28,880 | ▼ 10.6% |
| Remuneration and social security454/9 | - | €2,433 | €2,441 | ▲ 0.3% |
| Other amounts payable47/48 | €15,833 | €16,123 | €606 | ▼ 96.2% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €20,173 | €82,640 | €77,526 | ▼ 6.2% |
| + Depreciation and write-downs630 | - | €45 | €313 | ▲ 591% |
| Operating cash flow (approximation) | €20,173 | €82,685 | €77,839 | ▼ 5.9% |
| Investment in fixed assets (approximation) | - | - | €0 | - |
| Change in cash | - | €30,732 | €124,191 | ▲ 304% |
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 (3)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 10-08-2026 | 2026-00389887 |
| 31-12-2024 | micro format | 11-07-2025 | 2025-00257912 |
| 31-12-2023 | micro format | 14-08-2024 | 2024-00344193 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| PARSSINEN Janne Henrik |
|
Owners and capital
Capital and shareholders
- PARSSINEN Janne Henrik 100 shares (100%) · €2,500
The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.
- 06-07-2023 Incorporation · €2,500 · 100 shares
Group and network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
06-07
Gazette deed
IncorporationAppointment: PARSSINEN Janne Henrik (director) · Founder · Founding capital11 facts ▸
- Founder, PARSSINEN Janne Henrik
- Other provision, “information préconstitutive, constater authentiquement constitution et statuts” (deed in French)
- Incorporation, 03-07-2023
- Founding capital, €2,500
- Bank account, 2500, EUR
- Other provision, “attestation de dépôt”, EUR (deed in French)
- Other provision, “arrêt des statuts, arrêter statuts” (deed in French)
- Capital
- Board rule, 1
- Director appointment, PARSSINEN Janne Henrik (director (not named in the articles))
- Other provision, “début des activités, acquisition personnalité juridique, à dater dépôt au greffe expédition acte constitutif conformément loi” (deed in French)
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 26 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Recognitions · licences · registrations
Legal Entity Identifier
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the KBO register.
Av des Tourterelles 231420 Braine-l'Alleud1 establishment unit
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “La fourniture de tous services, la mise en œuvre de programmes et la dispensation de conseils, aussi bien aux personnes morales qu'aux…” (deed in French)
13 activities (deed in French)
- La fourniture de tous services, la mise en œuvre de programmes et la dispensation de conseils, aussi bien aux personnes morales qu'aux sociétés, avec ou sans personnalité juridique, ainsi qu'aux institutions, organisations ou associations de toute nature et aux particuliers. Ces activités se concentrent principalement sur les domaines suivants : le conseil en stratégie, innovation et développement des programmes technologique, pour les entreprises et les institutions financières, la transformation digitale et organisationnelle, le management, la gestion et la coordination de projets et/ou d'appels d'offres, les conseils en vente et marketing, les ressources humaines, la communication, ainsi que tous autres conseils aux entreprises, dans le sens le plus large du terme.
- L'étude, la conception, le développement et la commercialisation de toutes applications informatiques et méthodologies existantes ou nouvelles associées aux domaines susmentionnés.
- La rédaction d'articles et publications analysant les performances et les perspectives des entreprises, et nouvelles technologies, ainsi que la diffusion de points de vue sur ces dernières.
- La formation et la diffusion d'informations relatives à l'objet social au moyen de tous supports matériels ou virtuels. Les présentations orales et virtuelles dans les conférences et événements.
- La vente des produits et services numériques en ligne, comme les formations, rapports et analyses, et programmes informatiques, coaching pour les professionnelles, et conférences virtuelles.
- L'organisation d'activités didactiques, telles que des cours, des conférences, des colloques, des séminaires, ainsi que la publication d'articles et de livres.
- Consultance en informatique; Création, hébergement, référencement, maintenance, audit et conseil en sites Internet; développement d'applications web et mobiles; conseil en architecture et infrastructure informatique et réseau; Achat, vente et maintenance de matériel informatique; Formation et coaching en entreprise
- L'étude et la réalisation de tous travaux de construction, publics et privés, en qualité d'entrepreneur général ou en sous-traitance, la conception et la construction de tous bâtiments et édifices, l'étude et la réalisation de décorations tant intérieures qu extérieures; l'entretien, la rénovation, les travaux de réparations, d'embellissements, de renouvellement et de modernisation, et la maintenance de tous les types d'ouvrages d'art, de biens immeubles, et plus généralement toutes opérations se rapportant directement ou indirectement aux secteurs des travaux publics et privés et du bâtiment;
- Fournir tous services ou prestations au profit de toutes clientèles privées ou commerciales ;
- L'organisation de ventes événementielles, réservées à ses membres ou non, limitées dans le temps ou non, de vêtements et accessoires dans les domaines (notamment mais pas exclusivement) de la mode féminine, masculine et enfant, du sport, du linge, tissus de confection, nappes et de tout équipement de maison, des montres, maroquinerie et accessoires, des produits high-tech, de la téléphonie et des télécommunications au sens large, de la bijouterie, des jouets, des événements gastronomiques ou du divertissement au sens large, de voitures, des voyages, et de produits financiers;
- La vente en gros et en détail, l’import-export de : tous textiles en général, vêtements divers, chaussures, cordonnerie, serrurerie, maroquinerie dans le sens le plus large ;
- Matériels de construction, de bricolage, matériel électrique et électronique, sanitaire et de plomberie, machines industrielles ;
- Tous appareils électroménagers, audio, vidéo, électronique, télécommunication, livres et revues, matériel de bureau et informatique ;
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- Finnai Value
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- One provision in the deed
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- Each director alone
- Board ruleHow the board is made up, meets and takes decisions.
- One provision in the deed
Capital, shares and profit
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- “Mêmes formalités si non actionnaires de plein droit, cession libre de tout ou partie” (deed in French)
- Share issue ruleHow and by whom new shares can be issued.
- “Apport en numéraire avec émission de nouvelles actions, courrier électronique, ou courrier ordinaire même jour si pas d'adresse électronique” (deed in French)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Last Monday of June at 18:00
Oversight and winding up
- Statutory auditorA statutory auditor is a registered auditor who checks the accounts; small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Formes prévues pour modifications aux statuts, en tout temps” (deed in French)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- One provision in the deed