Finterior
Finterior is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2026 annual accounts show equity of €2.13M and a net result of €145k. Equity remains stable across the filed fiscal years (±1.7% per year). Its solvency ranks better than 38% of 174 sector peers (fiscal year 2026). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €2.13M |
| Net result | €145k |
| Better than sector | 38% |
| Active | 12 yrs |
Strong profile, led by stability.
Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.
This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 46.2% | 61.0% | |
| Net result | €145k | €50k | |
| Equity | €2.13M | €325k | |
| Total assets | €4.61M | €771k |
Figures by fiscal year and ratios
| Fiscal year | 2026 | 2025 | 2024 | 2023 | 2021 |
|---|---|---|---|---|---|
| Deposit | full schema | full schema | full schema | full schema | full schema |
| Revenue | n/a | n/a | n/a | n/a | n/a |
| EBITDA | n/a | n/a | n/a | n/a | n/a |
| Net profit | €145k | €220k | €189k | €622k | €301k |
| Cash flow | n/a | n/a | n/a | n/a | n/a |
| Staff costs | - | - | €0 | €32k | €87k |
| Income taxes | €49k | €73k | €63k | €37k | €34k |
| Dividends | - | - | €0 | €1.86M | - |
| Total assets | €4.61M | €4.29M | €4.33M | €4.28M | €4.32M |
| Equity | €2.13M | €1.98M | €1.76M | €1.57M | €2.81M |
| Debt | €2.48M | €2.31M | €2.57M | €2.71M | €1.51M |
| of which ≤ 1y | €2.48M | €2.31M | €2.57M | €2.54M | €964k |
| of which > 1y | - | - | €0 | €167k | €542k |
| Working capital | n/a | n/a | n/a | n/a | n/a |
| Employees (FTE) | - | - | 0.0 | 0.3 | 1.0 |
| 2026 | 2025 | 2024 | 2023 | 2021 | |
|---|---|---|---|---|---|
| Current ratio | n/a | n/a | n/a | n/a | n/a |
| Quick ratio | n/a | n/a | n/a | n/a | n/a |
| Working capital ratio | n/a | n/a | n/a | n/a | n/a |
| Solvency | 46.2% | 46.2% | 40.7% | 36.7% | 65.1% |
| Debt / equity | n/a | n/a | n/a | n/a | n/a |
| Long-term debt ratio | n/a | n/a | n/a | n/a | n/a |
| Interest coverage | n/a | n/a | n/a | n/a | n/a |
| Gross margin | n/a | n/a | n/a | n/a | n/a |
| Net margin | n/a | n/a | n/a | n/a | n/a |
| ROA | 3.1% | 5.1% | 4.4% | 14.5% | 7.0% |
| ROE | 6.8% | 11.1% | 10.7% | 39.6% | 10.7% |
| EBITDA margin | n/a | n/a | n/a | n/a | n/a |
| Days sales outstanding | n/a | n/a | n/a | n/a | n/a |
| Days payable outstanding | n/a | n/a | n/a | n/a | n/a |
| Inventory turnover | n/a | n/a | n/a | n/a | n/a |
| Days inventory (DSI) | n/a | n/a | n/a | n/a | n/a |
Full annual accounts (25 line items)
| Line item | Code | 2026 | 2025 | 2024 | 2023 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €4.61M | €4.29M | €4.33M | €4.28M | €4.32M |
| Fixed assets | 21/28 | €3.60M | €3.60M | €3.67M | €3.68M | €3.75M |
| Financial fixed assets | 28 | €3.60M | €3.60M | €3.67M | €3.68M | €3.75M |
| Current assets | 29/58 | €1.00M | €689k | €662k | €598k | €569k |
| Stocks & contracts in progress | 3 | €0 | €0 | €0 | €0 | - |
| Amounts receivable within one year | 40/41 | €592k | €209k | €205k | €178k | €120k |
| Investments | 50/53 | €400k | €400k | €400k | €400k | €400k |
| Cash & bank | 54/58 | €12k | €79k | €57k | €19k | €49k |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €4.61M | €4.29M | €4.33M | €4.28M | €4.32M |
| Equity | 10/15 | €2.13M | €1.98M | €1.76M | €1.57M | €2.81M |
| Contributions / capital | 10/11 | €500k | €500k | €500k | €500k | €500k |
| Reserves | 13 | €1.63M | €1.48M | €1.26M | €450k | €450k |
| Accumulated profits (losses) | 14 | - | - | €0 | €622k | €1.86M |
| Amounts payable | 17/49 | €2.48M | €2.31M | €2.57M | €2.71M | €1.51M |
| Amounts payable after one year | 17 | - | - | €0 | €167k | €542k |
| Amounts payable within one year | 42/48 | €2.48M | €2.31M | €2.57M | €2.54M | €964k |
| Trade debts payable within one year | 44 | €105k | €38k | €92k | €40k | €84k |
| Income statement | ||||||
| Turnover | 70 | €726k | €726k | €726k | €608k | €486k |
| Operating result | 9901 | €262k | €353k | €311k | €177k | €151k |
| Financial income | 75 | €0 | €338 | €4k | €530k | €200k |
| Financial charges | 65 | €68k | €60k | €63k | €33k | €16k |
| Result before taxes | 9903 | €193k | €293k | €252k | €659k | €336k |
| Income taxes | 67/77 | €49k | €73k | €63k | €37k | €34k |
| Net result for the period | 9904 | €145k | €220k | €189k | €622k | €301k |
| Result to be appropriated | 9905 | €145k | €220k | €189k | €622k | €301k |
-
COELEMBIER HOLDINGPrivate limited companyManaging director· perm. rep.: De besloten vennootschap "COELEMBIER HOLDING"State Gazette act 22112566 (21-09-2022)Current07-04-2022 → present
2 events
- 07-04-2022 Appointed· Managing director
- 07-04-2022 Appointed· Chair
-
CYJELAPrivate limited company (pre-2019)Director· perm. rep.: De enige stemgerechtigde aandeelhouderState Gazette act 22112566 (21-09-2022)Current07-04-2022 → present
2 events
- 07-04-2022 Appointed· Director
- 07-04-2022 Appointed· Managing director
Former directors (2)
-
De enige stemgerechtigde aandeelhouderDirectorState Gazette act 22112566 (21-09-2022)Former- → 07-04-2022
-
VANDENAPublic limited companyManaging director· perm. rep.: De naamloze vennootschap "VANDENA"State Gazette act 22112566 (21-09-2022)Former- → 07-04-2022
| NACE primary | Activities of holding companies(64210) |
| Legal form | Public limited company(014) |
| Incorporation | 11-02-2014 |
| Status | Active |
| Postal code | 8520 |
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34023A0444/00F000 | Flanders | 8,455 m² | 1 · 4,171 m² | 9.3 m · 2 fl. |
We know of 8 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
21-09-2022 4 directors appointed, 2 resigning
- De enige stemgerechtigde aandeelhouder, Bestuurder
- De besloten vennootschap "CYJELA", Gedelegeerd bestuurder
- De besloten vennootschap "COELEMBIER HOLDING", Gedelegeerd bestuurder
- De besloten vennootschap "COELEMBIER HOLDING", Voorzitter
- De enige stemgerechtigde aandeelhouder, Bestuurder
- De naamloze vennootschap "VANDENA", Gedelegeerd bestuurder
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}18-05-2022 All shares are now held by a single shareholder
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}| Legal nameNL | Finterior |