Skip to content

FinPilot

Active
Private limited companyfounded 2012active for 14 yearsGemeenhof(Heu) 32, 8501 Kortrijk, BelgiumKBO/BCE: BE 0849.998.132
Summary

FinPilot has been active since 2012 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.7m and a net result of -€42,280. Equity has been growing by about 27% per year since 2018. Its solvency ranks better than 82% of 15,759 sector peers (NACE 69, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Overview

Official details

Source: KBO
Status
Active since 16-10-2012 Normal situation
Activity
Certified accountants and tax accountants NACE 69201
Establishment unit
2.214.081.418 8501 Kortrijk, since 16-10-2012
Financial year end
31 December
Peppol
Reachable since 30-12-2025

Board and ownership

Board

Financial position

93 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Annual accounts 2025
Gross margin
€36,750
▼ 60.2%
Turnover
≈ €90,000
estimated
Loss
€42,280
Equity
€1.7m
▼ 2.4%
Total assets
€2.1m
▼ 4.2%
  • 2025 accounts filed 53 days after the deadline
Filed on 22-09-2026
Score breakdownraises riskLast filed accounts filed 53 days late; 3 of the last 3 accounts latelowers riskSector: Legal and accounting activities (NACE 69)Size: total assets €2.1mFigures for financial year 2025 (filed on 22-09-2026)Show the evidence

Checked score

Score 2025
93 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 44% of small companies in legal and accounting (NACE 69)
Financial strength · tick: 2024
Strong
Solvency 100=
equity 83.5% of total assets
Liquidity 61+1
short-term debt 7.1% · cash 8.8%
Profitability 18-41
return on assets -2.1%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

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

Sector median < 0.1% (1,477 companies, NACE 69, small)
Last 24 months 12-2024: 0.3% 01-2025: 0.5%▲ +0.2 percentage points vs 12-2024 02-2025: 0.5%● unchanged vs 01-2025 03-2025: 0.5%● unchanged vs 02-2025 04-2025: 0.5%● unchanged vs 03-2025 05-2025: 0.5%● unchanged vs 04-2025 06-2025: 0.5%● unchanged vs 05-2025 07-2025: 0.5%● unchanged vs 06-2025 08-2025: 0.9%▲ +0.4 percentage points vs 07-2025 09-2025: 0.9%● unchanged vs 08-2025 10-2025: 0.9%● unchanged vs 09-2025 11-2025: 1.0%▲ +0.1 percentage points vs 10-2025 12-2025: 1.2%▲ +0.2 percentage points vs 11-2025highest value 01-2026: 1.2%● unchanged vs 12-2025highest value 02-2026: 1.2%● unchanged vs 01-2026highest value 03-2026: 1.2%● unchanged vs 02-2026highest value 04-2026: 1.2%● unchanged vs 03-2026highest value 05-2026: 1.2%● unchanged vs 04-2026highest value 06-2026: 1.2%● unchanged vs 05-2026highest value 07-2026: 1.2%● unchanged vs 06-2026highest value 08-2026: 0.6%▼ -0.6 percentage points vs 07-2026 09-2026: 0.7%▲ +0.1 percentage points vs 08-2026 10-2026: < 0.1%▼ -0.7 percentage points vs 09-2026lowest value 11-2026: < 0.1%● unchanged vs 10-2026lowest value
Credit of up to €150,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 11.98 (10.21 in 2024), above the usual 1.5. Short-term debt is 7.1% and cash 8.8% of total assets. 16.5% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 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 69, small). It does better than 86% of them on solvency, 67% on liquidity, 2% on profitability and 21% on growth.

The bankruptcy probability was computed on 01-11-2026 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. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

Credit check for an amount and term of your choice

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

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises risk
raises risk · Last filed accounts filed 53 days late; 3 of the last 3 accounts late
NBB · filings
lowers risk · Sector: Legal and accounting activities (NACE 69)
KBO
lowers risk · Size: total assets €2.1m
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed on 22-09-2026)
NBB · annual accounts
raises risk · 2025 accounts filed 53 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-09-2026, 53 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
53 days late
2024
358 days late
2022
92 days late
2021
92 days late
2020
90 days late
2019
325 days late
2018
253 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 180 days after the deadline. In the sector (NACE 69), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 October (4 of the last 5 accounts filed within 39 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: From profit to loss in 2025after a profit of €29,560 in 2024 -€42,280 View
  • Caution: Lower net result than 95% of companies in legal and accountingsector median €37,433 · 15,761 companies -€42,280 View

Recent changes

  1. · Gazette deed Company renamed from Accountancy Messely to FinPilot
  2. · Gazette deed Appointment: MESSELY Jonas Georges (statutory director)
  3. · Gazette deed Incorporation
All 18 events

Comparable companies

These companies have the same main activity as FinPilot: certified accountants and tax accountants (NACE 69201). They are comparable in size and age: total assets between €1.8m and €3m, founded between 2005 and 2016.

CompanyTotal assetsGross margin
FinPilot Kortrijk€2.1m€0.04m
KRIVACO Herent€2.0m€0.04m
POPPE ACCOUNTANCY & TAX Lokeren€1.8m€0.05m
Cofo Putte€3.0m€0.03m
VAEREMANS FINANCIAL SERVICES Sint-Lambrechts-Woluwe€2.1m€0.03m
HODIMANAGEMENT Gembloux€2.1m€0.03m
EEMAN accountants - belastingconsulenten Ninove€2.0m€0.03m
Full comparison

Key facts about FinPilot

What is the company number of FinPilot?
The company number of FinPilot is 0849.998.132. The VAT number is the same number with BE in front: BE 0849.998.132.
Where is FinPilot based?
The registered office is at Gemeenhof(Heu) 32, 8501 Kortrijk.Company details
What does FinPilot do?
According to the KBO register, the main activity is certified accountants and tax accountants (NACE 69201).
What is the legal form of FinPilot?
The legal form of FinPilot is Private limited company (BV).
When was FinPilot founded?
FinPilot was founded on 16-10-2012.
Is FinPilot still active?
Yes, FinPilot is an active enterprise in the KBO register.
How many employees does FinPilot have?
FinPilot had an average of 0.2 full-time equivalents in financial year 2019, according to the filed annual accounts.Financials
What is the turnover of FinPilot?
The turnover in financial year 2025 is ≈ €90,000. This figure is estimated from the gross margin of €36,750 and 41 comparable companies (NACE 69201). It probably lies between €65,000 and €120,000.
Is FinPilot profitable?
In financial year 2025, FinPilot made a loss of €42,280.
Where can I find the annual accounts of FinPilot?
FinPilot filed 12 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of FinPilot due?
FinPilot must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

Next steps

See how customers, suppliers and banks see your own company and what to improve first.

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