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FINO

Active
Public limited companyfounded 1995active for 30 yearsRotstraat 16, 9140 Temse, BelgiumKBO/BCE: BE 0456.886.925
Summary

FINO has been active since 1995 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €65.1m and a net result of -€1.1m. Equity is growing by about 42% per year across the filed financial years. Its solvency ranks better than 79% of 3,853 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisFollow ReportCompare
FINOActiveChecked score 95/100
Risk analysis ReportCompare

History

FINO was incorporated on 16 December 1995.1 Between 2025 and 2026 the capital was increased 2 times, most recently to €57.4m.23 The board currently has 3 members; NOVA LAGA has served longest, since 2023.4

  1. 1KBO register
  2. 2Belgian Official Gazette, 29-09-2025
  3. 3Belgian Official Gazette, 09-01-2026
  4. 4Belgian Official Gazette, 28-11-2023

Acts, filings and financial milestones

Next filing, financial year 2026, expected by 31-07-2027
2026
27-08
NBB filing Annual accounts filed
financial year 2025 · full format · 27 days late
09-01
Gazette deed Capital & shares · Amendment of the articles
Auditor report · Capital contribution · Share issue19 facts ▸
  • Other provision, “notariskantoor, Lloyd Georgelaan 11,1000 Brussel” (deed in Dutch)
  • General meeting, 24-12-2025
  • Other provision, “EERSTE BESLISSING:Kennisname van de verslagen” (deed in Dutch)
  • Auditor report, 23-12-2025
  • Capital contribution
  • Other provision, “onderzoek bijzonder verslag bestuursorgaan artikel 7:197 WVV, geen bevindingen van materieel belang” (deed in Dutch)
  • Other provision, “waarderingsmethoden inbreng in natura, voor zover Vennootschap gevrijwaard blijft van mogelijks nog niet gekende verplichtingen” (deed in Dutch)
  • Share issue, “zonder vermelding van nominale waarde, in verhouding tot respectievelijke inbrengen” (deed in Dutch)
  • Other provision, “rechten en vergoeding nieuwe aandelen, dezelfde vermogensrechten als bestaande aandelen” (deed in Dutch)
  • Other provision, “laattijdige overhandiging stukken, geen wezenlijke invloed op opdracht” (deed in Dutch)
  • Other provision, “artikelen 7:179 en 7:197 WVV, beperking gebruik verslag” (deed in Dutch)
  • Capital increase, €12,118,073.51
  • +7 further facts in this act
2025
31-12
Financial Liquidity more than 23 timescurrent ratio 17.59
Current ratio from 0.74 to 17.59; short-term debt falls from €27.2m to €1.3m.
31-12
Financial Equity above €50mequity €65.1m ▲619%
Equity rises from €9.0m to €65.1m.
29-09
Gazette deed Capital & shares · Amendment of the articles
Incorporation · Auditor report · Capital20 facts ▸
  • Incorporation, 16-12-1995
  • General meeting, “buitengewone algemene vergadering” (deed in Dutch)
  • Auditor report, “commissaris, artikelen 7:179 en 7:197 WVV” (deed in Dutch)
  • Capital, €45,000,000
  • Auditor report, “verantwoordelijkheid van de bedrijfsrevisor, artikelen 7:179 en 7:197 WVV” (deed in Dutch)
  • Auditor report, 04-09-2025
  • Capital increase, €45,272,682.88
  • Share issue, “identiek aan de bestaande aandelen”, 181530 (deed in Dutch)
  • Capital contribution, €35,298,782.32
  • Capital contribution, €9,701,217.68
  • Bank account, 2500000, EUR
  • Capital, €45,272,682.88
  • +8 further facts in this act
04-09
NBB filing Annual accounts filed
financial year 2024 · abbreviated format · 35 days late
30-06
Gazette deed Resignation: CORDEEL Aurélie (director)
Reappointments: Filip Cordeel (director) and Suy Anja (director) · Director discharge7 facts ▸
  • General meeting, 22-05-2025
  • Director resignation, CORDEEL Aurélie (director)
  • Director discharge, CORDEEL Aurélie (director)
  • Director reappointment, Filip Cordeel (director)
  • Director reappointment, Suy Anja (director)
  • Board meeting, 22-05-2025
  • Director reappointment, Filip Cordeel (managing director)
2024
26-11
NBB filing Annual accounts filed
financial year 2023 · abbreviated format · 118 days late
06-09
Gazette deed Capital & shares
General meeting3 facts ▸
  • General meeting, 31-07-2024
  • Other provision, “verslag bestuursorgaan inzake vereniging alle aandelen in één hand, schriftelijke kennisname en goedkeuring door algemene vergadering” (deed in Dutch)
  • Other provision, “vereniging van alle aandelen in één hand, artikel 2:8 §4 WVV” (deed in Dutch)
09-04
Gazette deed Appointment: VCLJ Bedrijfsrevisoren (statutory auditor)
2 facts ▸
  • General meeting, 14-03-2024
  • Auditor appointment, VCLJ Bedrijfsrevisoren (statutory auditor)
28-02
Gazette deed Restructuring
Permanent representative: David De Smet · Incorporation · Amendment of the articles40 facts ▸
  • Incorporation, 16-12-1995
  • Amendment of the articles
  • Capital, €272,682.88
  • Kind of shares, “statutair op naam, identieke” (deed in Dutch)
  • Other provision, “geen effecten uitgegeven” (deed in Dutch)
  • Director in office, CORDEEL Filip Frans Yvonne (director)
  • Director in office, SUY Anja Leonie Albert (director)
  • General meeting, 12-01-2024 (2 times)
  • Other provision, “verzaking aan oproepingsformaliteiten, alle formaliteiten en termijnen” (deed in Dutch)
  • Other provision, “geen publiek beroep op het spaarwezen” (deed in Dutch)
  • Merger, “gemengde splitsing door overneming, 100% moeder-dochter verhouding” (deed in Dutch)
  • Power of attorney (3 times)
  • +28 further facts in this act
09-02
Gazette deed Appointment: CORDEEL Aurélie (director)
2 facts ▸
  • General meeting, 21-12-2023
  • Director appointment, CORDEEL Aurélie (director)
Show earlier events
02-01
Gazette deed Capital & shares · Purpose · Amendment of the articles
Approval · Purpose change · Capital9 facts ▸
  • General meeting, 11-12-2023
  • Other provision, “optreden voor rekening, handelend voor rekening van” (deed in Dutch)
  • Approval, “kennisname en goedkeuring, verslag van het bestuursorgaan” (deed in Dutch)
  • Purpose change
  • Other provision, “aandelen op naam” (deed in Dutch)
  • Amendment of the articles (2 times)
  • Other provision, “afschaffing stemrecht blote eigenaar, éénparigheid” (deed in Dutch)
  • Capital, €272,682.88
  • Power of attorney, Wouter Nouwkens
2023
31-12
Financial Weakest financial yearnet -€3.1m
Net result drops to -€3.1m, the lowest in the series; recovery starts the following year.
28-11
Gazette deed Restructuring
Permanent representative: Laurence Gacoin · Appointment: NOVA LAGA (director) · Shareholding30 facts ▸
  • Director in office, NOVA LAGA (sole director)
  • Permanent representative, Laurence Gacoin (2 times)
  • Director in office, Filip Cordeel (director)
  • Director in office, Anja Suy (director)
  • Other provision, “C-SCAN” (deed in Dutch)
  • Director appointment, NOVA LAGA (director)
  • Shareholding, “moeder-dochter, dochter” (deed in Dutch)
  • Other provision, “geen nieuwe aandelen in FINO” (deed in Dutch)
  • Demerger, “gemengde splitsing, gehele vermogen met actief-en passiefbestanddelen met rechten en verplichtingen” (deed in Dutch)
  • Demerger, “gemengde splitsing door oprichting, gehele vermogen volgens verdeling” (deed in Dutch)
  • Other provision, “verdeling vermogen in twee kavels, activa-passiva met rechten-verplichtingen verband houdend met participatie Energomonitor” (deed in Dutch)
  • Other provision, “geen nieuwe aandelen en geen opleg splitsing door overneming”, 100 (deed in Dutch)
  • +18 further facts in this act
27-07
NBB filing Annual accounts filed
financial year 2022 · abbreviated format
2022
31-12
Financial Highest result from 2018 to 2025net €11.3m ▲5,195%
Net result €11.3m, the highest in the series.
31-12
Financial Liquidity more than 7 timescurrent ratio 5.59
Current ratio from 0.74 to 5.59; short-term debt falls from €14.5m to €3.7m.
31-12
Financial Equity above €10mequity €14.3m ▲375%
2 profitable years in a row build equity to €14.3m.
27-07
NBB filing Annual accounts filed
financial year 2021 · abbreviated format
2021
31-12
Financial Back to profitnet €213,086
Net result €213,086 after one loss-making year.
31-08
NBB filing Annual accounts filed
financial year 2020 · abbreviated format · 31 days late
2020
08-10
NBB filing Annual accounts filed
financial year 2019 · abbreviated format · 69 days late
2019
16-09
NBB filing Annual accounts filed
financial year 2018 · abbreviated format
30-07
NBB filing Annual accounts filed
financial year 2018 · micro format
2018
20-07
NBB filing Annual accounts filed
financial year 2017 · micro format
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.Of the 31 annual accounts filed, the latest 10 are here; all 31 are under Financials.
9 of 11 deeds read
About the unread acts

Of the 11 Belgian Official Gazette deeds we know for this company, 9 have been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.

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