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Fintheia

Active
Private limited companyfounded 20179 yrs activeProcessiestraat 29, 1745 Opwijk, BelgiumKBO/BCE: BE 0676.850.063
Summary

Fintheia has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €18,600 and a net result of €90,603. Equity remains stable across the filed fiscal years (±1.3% per year). Its solvency ranks better than 54% of 16076 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch ReportCompare
FintheiaActiveChecked score 95/100
Risk analysis ReportCompare

Overview

Activity
Property management for co-owned buildings (syndics)
NACE 68321
1 site
Size
€54,804total assets 2025
Equity
€18,600
Profit
€90,603
Turnover not published (abridged schema)
Financial health
95 Excellent Checked score 2025
Bankruptcy chance 12 m
0.1%
Structure
Accounts 70 d early0 of 2 deeds read
Why 95+ Liquidity: current ratio 1.27, cash €27,023+ Sector Real estate activities (NACE 68)+ Figures for FY 2025 (filed 27-05-2026)+ Size: total assets €54,804Show the evidence

Checked score

Score 2025
95 / 100
Excellent
Probability in this band: under 0.55%
Better than 58% of its sector peers (NACE 68, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 59-37
equity 33.9% of total assets
Liquidity 65-23
short-term debt 66.1% · cash 49.3%
Profitability 100=
return on assets 165.3%
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).

Sector median 0.3% (26,362 companies)
Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● 0.0% vs 11-2024 01-2025: < 0.1%● 0.0% vs 12-2024 02-2025: < 0.1%▼ -2.0% vs 01-2025 03-2025: < 0.1%● 0.0% vs 02-2025 04-2025: 0.1%▲ +10.2% vs 03-2025 05-2025: 0.1%▲ +5.6% vs 04-2025 06-2025: < 0.1%▼ -21.1% vs 05-2025 07-2025: < 0.1%▼ -4.4% vs 06-2025 08-2025: < 0.1%▼ -2.3% vs 07-2025lowest value 09-2025: < 0.1%● 0.0% vs 08-2025lowest value 10-2025: < 0.1%● 0.0% vs 09-2025lowest value 11-2025: < 0.1%● 0.0% vs 10-2025lowest value 12-2025: < 0.1%● 0.0% vs 11-2025lowest value 01-2026: < 0.1%● 0.0% vs 12-2025lowest value 02-2026: < 0.1%● 0.0% vs 01-2026lowest value 03-2026: < 0.1%● 0.0% vs 02-2026lowest value 04-2026: < 0.1%▲ +2.4% vs 03-2026 05-2026: < 0.1%▲ +2.3% vs 04-2026 06-2026: 0.1%▲ +114% vs 05-2026highest value 07-2026: 0.1%● 0.0% vs 06-2026highest value 08-2026: 0.1%● 0.0% vs 07-2026highest value 09-2026: 0.1%● 0.0% vs 08-2026highest value 10-2026: 0.1%▼ -1.1% vs 09-2026
  • Liquidity: current ratio 1.27, cash €27,023 lowers the probability
  • Sector Real estate activities (NACE 68) lowers the probability
  • Figures for FY 2025 (filed 27-05-2026) lowers the probability
  • Size: total assets €54,804 lowers the probability for this profile
Credit up to €1,500 at 30 days acceptable
Liquidity tight (current ratio 1.27 against 3.28 in 2024; short-term debt: 66.1% and cash: 49.3% of total assets), and 66.1% 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 68, micro). Better than this share of them on solvency 52%, liquidity 76%, profitability 95%, growth against the median 9%. 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

Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Liquidity: current ratio 1.27, cash €27,023
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Sector Real estate activities (NACE 68)
In the bankruptcy model this factor lowers the probability.
KBO
lowers risk · Figures for FY 2025 (filed 27-05-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Size: total assets €54,804
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
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 22-05-2026, 70 days ahead of the deadline.
NBB · 8 filings
Deviation from the deadline
2025
70 d early
2024
77 d early
2023
68 d early
2022
90 d early
2021
88 d early
2020
92 d early
2019
88 d early
← 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 82 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% 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 15 May (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 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. Annual accounts filedfiscal year 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Highest result since 2018net €105,988 ▲13.6%

Key points

  • Positive: Among the best 10% on net resultsector median €5,827 · 16,071 companies €90,603 View
  • Positive: Always filed on timeaccounts within the deadline every year 8 years View
  • Positive: 8 profitable years in a rowprofit 2025: €90,603 8 years View

By topic

Financials

Fiscal year
2025
Total assets
€54,804
Profit
€90,603
Solvency
33.9%
Total assets▼ 30.4%
Net result
20182025
Go to Financials

Timeline

Events
11
Since
2019
Next accounts
by 31-07-2027
  1. 22-05-2026Annual accounts filed
  2. 15-05-2025Annual accounts filed
  3. 31-12-2024Highest result since 2018
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Property management for co-owned buildings (syndics)NACE 68321
Founded
15-06-2017
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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