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FINYVES

Active
Private limited company·Activiteiten van hoofdkantoren· 2 yrs active
Driesstraat 3 ·3471 Kortenaken, Belgium
KBO/BCE: BE 1006.073.310
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Age2 yrs
Real estate1 parcel · 459 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of FINYVES is 0.5% (low). The 2024 annual accounts show equity of €2k and a net result of €2k. Its solvency ranks better than 10% of 12484 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
0.5% Low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Young company +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Signals

1 signal · with evidence
Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 12484 sector peers (2024).
View the sector comparison

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2024 31-07-2025 30-09-2025 61 d late 2025-00515429

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Young company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€2k
Working capital€-13k

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 30-09-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 70, Head offices & management consulting · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 2.6% 60.5%
better than 10% of 12484 sector peers
Net result €2k €31k
better than 19% of 12486 sector peers
Equity €2k €63k
better than 10% of 12492 sector peers
Gross operating margin €6k €52k
better than 14% of 12472 sector peers
Total assets €77k €124k
better than 32% of 12485 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenue-
EBITDA€5k
Net profit€2k
Cash flow€2k
Staff costs-
Income taxes€1k
Dividends-
Total assets€77k
Equity€2k
Debt€75k
of which ≤ 1y€31k
of which > 1y€43k
Working capital€-13k
Employees (FTE)-
Ratios (computed)
2024
Current ratio0.58
Quick ratio0.58
Working capital ratio-17.3%
Solvency2.6%
Debt / equity38.03
Long-term debt ratio22.15
Interest coverage2.56
Gross margin-
Net margin-
ROA2.6%
ROE99.9%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€77k
Fixed assets 21/28€59k
Tangible fixed assets 22/27€8k
Financial fixed assets 28€50k
Current assets 29/58€18k
Amounts receivable within one year 40/41€16k
Cash & bank 54/58€611
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€77k
Equity 10/15€2k
Contributions / capital 10/11€1
Reserves 13€2k
Amounts payable 17/49€75k
Amounts payable after one year 17€43k
Amounts payable within one year 42/48€31k
Trade debts payable within one year 44€19k
Income statement
Gross operating margin 9900€6k
Operating result 9901€5k
Financial income 75€6
Financial charges 65€2k
Result before taxes 9903€3k
Income taxes 67/77€1k
Net result for the period 9904€2k
Result to be appropriated 9905€2k
Ratios computed by Checked.

Health barometer

FY 2024 · computed
38 / 100 Weak
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
Cannot be placed on the map

This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.

Driesstraat 33471 Kortenaken

Establishment units

1 location
FINYVES
Driesstraat 3, 3471 KortenakenActiviteiten van hoofdkantoren
since 20242.356.667.953
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area459 m²
Buildings1
Building footprint83 m²
Volume (LiDAR)472 m³
Tallest building9.4 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
24042B0444/02G000 Flanders 459 m² 1 · 83 m² 9.4 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes
Health38Profitability100Solvency3Growth-Stability67
52 / 100

Mixed profile: strong on profitability, weaker on solvency.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 38
Profitability 100
Solvency 3
Growth -
Stability 67

Credit advice

verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 1,103 of the 5,596 companies in this sector. 181 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Activiteiten van hoofdkantoren70100Activiteiten van hoofdkantoren70100
Primary activity highlighted.
Names & trade names
Legal nameNL FINYVES
Registered office
Driesstraat 3 bus B
3471 Kortenaken, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.