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FINOMARKER

Active
Public limited companyfounded 201313 yrs activeDendermondesteenweg 530, 9070 Destelbergen, BelgiumKBO/BCE: BE 0534.440.405
Summary

FINOMARKER has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €551,528 and a net result of -€106,925. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 68% of 577 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).

Overview

Activity
Computing infrastructure, data processing, hosting and related activities
NACE 63100NACE 62010Computer programming NACE 62100
#7 company by equity in Destelbergen, Telecoms and IT sector1 site
Size
€813,494total assets 2025
Equity
€551,528
Loss
-€106,925
Turnover not published (abridged schema)
Financial health
69 Healthy Checked score 2025
Bankruptcy chance 12 m
0.7%
Structure
Largest shareholder
2BE.ADVISED · 34.7%
Accounts on time2 of 14 deeds read
Why 69- Loss of €106,925 (FY 2025)- 1 change of registered office in 24 months- Liquidity: current ratio 0.61, cash €6,185, halved+ Size: total assets €813,494Show the evidence

Checked score

Score 2025
69 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 45% of its sector peers (NACE 63, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Average
Solvency 93-4
equity 67.8% of total assets
Liquidity 45-12
short-term debt 19.9% · cash 0.8%
Profitability 2-72
return on assets -13.1%
Bankruptcy probability, 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%

About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (2,931 companies)
Last 24 months 11-2024: 1.3% 12-2024: 1.3%● 0.0% vs 11-2024 01-2025: 1.3%▲ +0.9% vs 12-2024 02-2025: 1.3%● 0.0% vs 01-2025 03-2025: 3.6%▲ +184% vs 02-2025 04-2025: 3.5%▼ -1.5% vs 03-2025 05-2025: 3.5%▼ -0.7% vs 04-2025 06-2025: 3.6%▲ +2.3% vs 05-2025 07-2025: 3.9%▲ +7.4% vs 06-2025highest value 08-2025: 0.9%▼ -77.1% vs 07-2025 09-2025: 0.9%● 0.0% vs 08-2025 10-2025: 0.9%● 0.0% vs 09-2025 11-2025: 0.9%● 0.0% vs 10-2025 12-2025: 0.9%● 0.0% vs 11-2025 01-2026: 0.9%● 0.0% vs 12-2025 02-2026: 0.9%▲ +0.6% vs 01-2026 03-2026: 0.9%● 0.0% vs 02-2026 04-2026: 0.9%▲ +6.2% vs 03-2026 05-2026: 0.2%▼ -79.6% vs 04-2026 06-2026: 0.2%▼ -0.5% vs 05-2026lowest value 07-2026: 0.2%▲ +18.3% vs 06-2026 08-2026: 0.7%▲ +200% vs 07-2026 09-2026: 0.7%● 0.0% vs 08-2026 10-2026: 0.7%● 0.0% vs 09-2026
  • Loss of €106,925 (FY 2025) raises the probability
  • 1 change of registered office in 24 months raises the probability
  • Size: total assets €813,494 lowers the probability for this profile
  • Liquidity: current ratio 0.61, cash €6,185, halved raises the probability
Credit up to €35,000 at 30 days acceptable
Liquidity short (current ratio 0.61 against 0.71 in 2024; short-term debt: 19.9% and cash: 0.8% of total assets), and 32.2% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 63, micro). Better than this share of them on solvency 62%, liquidity 23%, profitability 14%, growth against the median 80%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Loss of €106,925 (FY 2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · 1 change of registered office in 24 months
In the bankruptcy model this factor raises the probability.
Belgian State Gazette
lowers risk · Size: total assets €813,494
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Liquidity: current ratio 0.61, cash €6,185, halved
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year €551,528
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
on the day
2024
on the day
2023
29 d late
2022
30 d late
2021
31 d late
2020
134 d early
2019
101 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 8 days after the deadline; the sector median for financial year 2024 is 10 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (2)
neutral · 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. Usually files around 30 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
04-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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
  1. Capital & shares · Statutes amendmentDeclaration · Share issue ·…
  2. Annual accounts filedfiscal year 2025 · abbreviated…
  3. Resignation: Starfisk Group (bestuurder en afgevaardigd…Declaration

Key points

  • Caution: From profit to loss in 2025after €22,659 in 2024 -€106,925 View
  • Caution: Among the weakest 8% on net resultsector median €23,679 · 579 companies -€106,925 View
  • A director leftlatest change 31-01-2026 · 0 in office 1 left View

By topic

Financials

Fiscal year
2025
Total assets
€813,494
Loss
-€106,925
Solvency
67.8%
Total assets▲ 63.2%
Net result
20182025
Go to Financials

Timeline

Events
17
Since
2017
Next accounts
by 31-07-2027
  1. 03-09-2026Capital & shares · Statutes amendment
  2. 31-07-2026Annual accounts filed
  3. 01-04-2026Resignation: Starfisk Group (bestuurder en afgevaardigd bestuurder)
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Computing infrastructure, data processing, hosting and related activitiesNACE 63100
Founded
21-03-2013
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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