Financials
- Fiscal year
- 2025
- Total assets
- €627,958
- Profit
- €419,918
- Solvency
- 0.2%
Total assets▼ 5.8%
Net result
20212025
FINSERCO
ActiveSummary
FINSERCO has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1,000 and a net result of €419,918. Equity is shrinking by ~29.1% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 10% of 34931 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
What they do
Business and other management consultancy
NACE 70200Business consulting NACE 70220
1 site
How big
€627,958total assets 2025
- Equity
- €1,000
- Profit
- €419,918
Turnover not published (abridged schema)
Who decides
Accounts 143 d early
Why 93- Equity €1,000 (0.2% of total assets)+ Sector Activities of head offices; management consultancy activities (NACE 70)+ Size: total assets €627,958+ Liquidity: current ratio 1.19, cash €303,969Show the evidence
Checked score
Score 2025
93
/ 100
Excellent
Probability in this band: under 0.55%
Better than 45% of its sector peers (NACE 70, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
25=
equity 0.2% of total assets
Liquidity
57+18
short-term debt 78.7% · cash 48.4%
Profitability
100=
return on assets 66.9%
Bankruptcy probability, 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).
Last 3 months
08-2026: 0.1%highest value
09-2026: 0.1%● 0.0% vs 08-2026highest value
10-2026: 0.1%● 0.0% vs 09-2026highest value
- Sector Activities of head offices; management consultancy activities (NACE 70) lowers the probability
- Size: total assets €627,958 lowers the probability for this profile
- Equity €1,000 (0.2% of total assets) raises the probability
- Liquidity: current ratio 1.19, cash €303,969 lowers the probability
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 70, micro). Better than this share of them on solvency 9%, liquidity 48%, profitability 85%, growth against the median 39%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. 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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 34931 sector peers (2025).
NBB · sector comparisonPosition among 34931 sector peers
Solvency
better than 10%
← weakest
strongest →
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 10-03-2026, 143 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
143 d early
2024
35 d early
2023
30 d early
2022
31 d early
2021
24 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 53 days before the deadline; the sector median for financial year 2024 is 9 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 June (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Annual accounts filedfiscal year 2024 · micro…
- Annual accounts filedfiscal year 2023 · micro…
Key points
By topic
Timeline
- Events
- 9
- Since
- 2022
- Next accounts
- by 31-07-2027
- 10-03-2026Annual accounts filed
- 26-06-2025Annual accounts filed
- 01-07-2024Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Business and other management consultancyNACE 70200
- Founded
- 02-09-2020
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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