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FINVECO

Active
Private limited companyfounded 201312 yrs activeMeusegemstraat 100, 1861 Meise, BelgiumKBO/BCE: BE 0540.598.420
Summary

FINVECO has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €910,128 and a net result of -€25,836. Equity is growing by ~7.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 36981 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch ReportCompare
FINVECOActiveChecked score 93/100
Risk analysis ReportCompare

Overview

Activity
Business and other management consultancy
NACE 70200Business consulting NACE 70220
1 site
Size
€911,786total assets 2025
Equity
€910,128
Loss
-€25,836
Turnover not published (abridged schema)
Financial health
93 Excellent Checked score 2025
Bankruptcy chance 12 m
< 0.1%
Structure
Accounts 92 d early0 of 2 deeds read
Why 93- Liquidity: current ratio 549.63, cash €12,740+ Size: total assets €911,786+ Equity €910,128 (99.8% of total assets)+ Figures for FY 2025 (filed 01-05-2026)Show the evidence

Checked score

Score 2025
93 / 100
Excellent
Probability in this band: under 0.55%
Better than 43% of its sector peers (NACE 70, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 100=
equity 99.8% of total assets
Liquidity 52-1
short-term debt 0.2% · cash 1.4%
Profitability 15=
return on assets -2.8%
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 0.1% (47,788 companies)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%● 0.0% vs 11-2024 01-2025: 0.1%▲ +1.6% vs 12-2024 02-2025: 0.1%● 0.0% vs 01-2025 03-2025: 0.1%● 0.0% vs 02-2025 04-2025: 0.1%▲ +11.1% vs 03-2025highest value 05-2025: < 0.1%▼ -35.7% vs 04-2025lowest value 06-2025: < 0.1%● 0.0% vs 05-2025lowest value 07-2025: < 0.1%▲ +2.2% vs 06-2025 08-2025: < 0.1%● 0.0% vs 07-2025 09-2025: < 0.1%● 0.0% vs 08-2025 10-2025: < 0.1%● 0.0% vs 09-2025 11-2025: < 0.1%● 0.0% vs 10-2025 12-2025: < 0.1%● 0.0% vs 11-2025 01-2026: < 0.1%● 0.0% vs 12-2025 02-2026: < 0.1%● 0.0% vs 01-2026 03-2026: < 0.1%● 0.0% vs 02-2026 04-2026: < 0.1%▲ +2.2% vs 03-2026 05-2026: < 0.1%▼ -2.1% vs 04-2026 06-2026: < 0.1%▲ +6.5% vs 05-2026 07-2026: < 0.1%● 0.0% vs 06-2026 08-2026: < 0.1%● 0.0% vs 07-2026 09-2026: < 0.1%● 0.0% vs 08-2026 10-2026: < 0.1%● 0.0% vs 09-2026
  • Size: total assets €911,786 lowers the probability for this profile
  • Liquidity: current ratio 549.63, cash €12,740 raises the probability
  • Equity €910,128 (99.8% of total assets) lowers the probability
  • Figures for FY 2025 (filed 01-05-2026) lowers the probability
Credit up to €80,000 at 30 days acceptable
short-term debt: 0.2% and cash: 1.4% of total assets, and 0.2% 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 70, micro). Better than this share of them on solvency 86%, liquidity 39%, profitability 13%, growth against the median 35%. 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

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Size: total assets €911,786
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Liquidity: current ratio 549.63, cash €12,740
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Equity €910,128 (99.8% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Figures for FY 2025 (filed 01-05-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
1819202122232425
2018 to 2025 · latest year -€25,836
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 30-04-2026, 92 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
92 d early
2024
113 d early
2023
110 d early
2022
103 d early
2021
110 d early
2020
74 d early
2019
108 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 101 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 13 April (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. Weakest financial yearnet -€28,728

Key points

  • Risk: 3 loss-making years in a rowloss fiscal year 2025 -€25,836 View
  • Caution: Among the weakest 6% on net resultsector median €27,007 · 36,996 companies -€25,836 View
  • Positive: Always filed on timeaccounts within the deadline every year 8 years View

By topic

Financials

Fiscal year
2025
Total assets
€911,786
Loss
-€25,836
Solvency
99.8%
Total assets▼ 2.8%
Net result
20182025
Go to Financials

Timeline

Events
16
Since
2015
Next accounts
by 31-07-2027
  1. 30-04-2026Annual accounts filed
  2. 09-04-2025Annual accounts filed
  3. 31-12-2024Weakest financial year
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Business and other management consultancyNACE 70200
Founded
08-10-2013
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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