FINZA
ActiveSummary
The computed 12-month bankruptcy probability of FINZA is 4.7% (elevated). The 2025 annual accounts show negative equity (-€173,087). Equity remains stable across the filed fiscal years (±0% per year). The company has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
No current score
Insufficient figures
A score requires measurable solvency, liquidity and profitability.
Bankruptcy probability: Elevated
Axes · tick = 2024
Profitability-
Solvency-
Growth78=
Track record100
Bankruptcy probability, 12 months
4.7%
Elevated
0%0.5%1.5%4%10%≥ 25%
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 08-04-2026, 114 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
114 d early
2024
177 d early
2023
61 d late
2022
427 d late
2021
30 d early
2020
173 d early
2019
43 d early
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 7 accounts on average 7 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were 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 1 July (4 of the last 5 filed years within 147 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
-€173,087=
2024 · -€173,087
Total assets
€12▼ 99.3%
2020 · €1,800
Net result
-€584▲ 58.9%
2021 · -€1,423
Working capital
-€172,503▼ 0.8%
2020 · -€171,080
Trend over the years
In euros
In euros
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€1,375-€573▲ 58.3%
Net result-€1,423-€584▲ 58.9%
Equity-€172,503▼ 0.8%-€173,087▼ 0.3%-€173,087=-€173,087=-€173,087=
Total assets€12▼ 99.3%
Debt€172,515▼ 0.2%€173,087▲ 0.3%€173,087=€173,087=€173,087=
Working capital-€172,503▼ 0.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €573 in 2022 against €1,375 in 2021; the loss shrinks.
Key figures and ratios
Debt to equity
-1.00=
2024 · -1.00
Debt ≤ 1 year
€173,087=
2024 · €173,087
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Goods, raw materials, services and sundry goods60/61 | - | €559 | - | - | - | - |
| Other operating charges640/8 | - | €14 | - | - | - | - |
| Gross operating margin9900 | -€1,375 | -€559 | - | - | - | - |
| Operating profit (loss)9901 | -€1,375 | -€573 | - | - | - | - |
| Financial charges65/66B | €48 | €11 | - | - | - | - |
| Recurring financial charges65 | €48 | €11 | - | - | - | - |
| Profit (loss) for the period before taxes9903 | -€1,423 | -€584 | - | - | - | - |
| Profit (loss) for the period9904 | -€1,423 | -€584 | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | -€1,423 | -€584 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €12 | - | - | - | - | - |
| Current assets29/58 | €12 | - | - | - | - | - |
| Cash at bank and in hand54/58 | €12 | - | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €12 | €0 | €0 | €0 | €0 | - |
| Equity10/15 | -€172,503 | -€173,087 | -€173,087 | -€173,087 | -€173,087 | = |
| Contributions10/11 | €20,000 | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Capital10 | €20,000 | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Issued capital100 | €20,000 | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Reserves13 | €2,000 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Non-distributable reserves130/1 | €2,000 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Legal reserve130 | €2,000 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Profit (loss) carried forward14 | -€194,503 | -€195,087 | -€195,087 | -€195,087 | -€195,087 | = |
| Amounts payable17/49 | €172,515 | €173,087 | €173,087 | €173,087 | €173,087 | = |
| Amounts payable within one year42/48 | €172,515 | €173,087 | €173,087 | €173,087 | €173,087 | = |
| Trade debts44 | €2,535 | - | - | - | - | - |
| Suppliers440/4 | €2,535 | - | - | - | - | - |
| Other amounts payable47/48 | €169,980 | €173,087 | €173,087 | €173,087 | €173,087 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€1,423 | -€584 | - | - | - | - |
| Operating cash flow (approximation) | -€1,423 | -€584 | - | - | - | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
08-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
04-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 427 days late
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
08-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €110,988
Net result €110,988 after 2 loss-making years.
18-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Destelbergen
Ground area
225 m²
Building footprint
191 m²
Volume, LiDAR
1,025 m³
Parcel 44013B0319/00D007, Flanders · tallest building 11.2 m, ±2 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44013B0319/00D007 | Flanders | 225 m² | 1 · 191 m² | 11.2 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Identification & contact
Identification
Legal formPrivate limited company
Founded16-02-1993
Fiscal year end31-12
E-invoicing
Reachable via Peppol
Peppol ID
0208:0449446233
Also
9925:BE0449446233
Registered
08-09-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.