Skip to content

FINOPS

Active
Private limited companyfounded 201610 years activeBroek 14, 1500 Halle, BelgiumKBO/BCE: BE 0654.911.435
Summary

The computed 12-month bankruptcy probability of FINOPS is 2.1% (moderate). The 2024 annual accounts show equity of €18,088 and a net result of €4,321. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 14% of 20,773 sector peers (NACE 62, fiscal year 2024). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.

Overview

Activity
Computer programming
NACE 62100
2 sites
Size
€127,886total assets 2024
Equity
€18,088
Profit
€4,321
Turnover not published (abridged schema)
Financial health
53 Fair Checked score 2024
Bankruptcy probability, 12 months
2.1%
Structure
Accounts 68 days overdue1 of 5 deeds read
Why 53- Liquidity: current ratio 2.23- Figures for FY 2024 (filed 15-04-2025)+ Sector Computer programming, consultancy and related activities (NACE 62)+ Size: total assets €127,886Show the evidence

Checked score

Score 2024
53 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 39% of its sector peers (NACE 62, micro)
Financial strength · tick = 2023
Average
Solvency 39-1
equity 14.1% of total assets
Liquidity 62+10
short-term debt 40.6%
Profitability 44+1
return on assets 3.4%
Bankruptcy probability, 12 months
2.1% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (25,829 companies)
Last 24 months 11-2024: 0.2% 12-2024: 0.2%● unchanged vs 11-2024 01-2025: 0.2%● unchanged vs 12-2024 02-2025: 0.2%● unchanged vs 01-2025 03-2025: 0.2%● unchanged vs 02-2025lowest value 04-2025: 0.2%● unchanged vs 03-2025 05-2025: 0.7%▲ +0.5 percentage points vs 04-2025 06-2025: 0.7%● unchanged vs 05-2025 07-2025: 0.7%● unchanged vs 06-2025 08-2025: 0.7%● unchanged vs 07-2025 09-2025: 0.7%● unchanged vs 08-2025 10-2025: 0.7%● unchanged vs 09-2025 11-2025: 0.7%● unchanged vs 10-2025 12-2025: 0.7%● unchanged vs 11-2025 01-2026: 0.7%● unchanged vs 12-2025 02-2026: 0.7%● unchanged vs 01-2026 03-2026: 0.8%▲ +0.1 percentage points vs 02-2026 04-2026: 0.7%▼ -0.1 percentage points vs 03-2026 05-2026: 0.7%● unchanged vs 04-2026 06-2026: 0.7%● unchanged vs 05-2026 07-2026: 0.7%● unchanged vs 06-2026 08-2026: 1.1%▲ +0.4 percentage points vs 07-2026 09-2026: 1.3%▲ +0.2 percentage points vs 08-2026 10-2026: 2.1%▲ +0.8 percentage points vs 09-2026highest value
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 2.23 against 4.05 in 2023; short-term debt: 40.6% of total assets), but 85.9% of the assets are financed with debt.
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 62, micro): better than 18% on solvency, 45% on liquidity, 20% on profitability and 72% on growth.

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

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Seven signals.
−lowers risk+raises risk○neutral
raises risk · Liquidity: current ratio 2.23
NBB · annual accounts
raises risk · Figures for FY 2024 (filed 15-04-2025)
NBB · annual accounts
lowers risk · Sector Computer programming, consultancy and related activities (NACE 62)
KBO
lowers risk · Size: total assets €127,886
The company's size counts in the probability; how much depends on the rest of its profile.
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 20773 sector peers (2024).
NBB · sector comparison
Position among 20773 sector peers
Solvency
better than 14%
← weakest strongest →
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024
Equity per financial year
21222324
2021 to 2024 · latest year €18,088
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 14-04-2025, 108 days ahead of the deadline.
NBB · 4 filings
Deviation from the deadline
2025
not confirmed
2024
108 days early
2023
48 days early
2022
192 days late
2021
11 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 4 accounts on average 12 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
Checked from 2021 on.
KBO publications · our coverage
  1. Resignation: Johan Jacobs (director)State Gazette act
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Annual accounts filedfiscal year 2023 · micro…

Key points

  • Caution: Among the weakest 15% on solvencysector median 62.9% · 20,773 companies 14.1% View
  • Caution: Accounts not fileddeadline was 31-07-2026 68 days late View
  • A director leftlatest change 01-04-2026 · 0 in office 1 left View

By topic

Financials

Fiscal year
2024
Total assets
€127,886
Profit
€4,321
Solvency
14.1%
Total assets▲ 42.7%
Net result
20212024
Go to Financials

Timeline

Events
7
Since
2022
  1. 08-02-2024Annual accounts filed
  2. 31-12-2022Back to profit
  3. 31-12-2022Liquidity triples
Go to Timeline

Company details

Sites
2
Legal form
Private limited company
Activity
Computer programmingNACE 62100
Founded
23-05-2016
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Go further with this company

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.