FO Finance

Active

Private limited companyfounded 20242 yrs activeVergoteplein 19, 1200 Sint-Lambrechts-Woluwe, BelgiumKBO/BCE: BE 1010.548.671

Summary

FO Finance has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7,215 and a net result of -€2,785. The computed 12-month bankruptcy probability is 0.4% (very low).

Risk analysisWatch Report Compare

FO FinanceActiveChecked score 80/100

Risk analysis Report Compare

Activity

Activity not known1 site

Size

€2.0mtotal assets 2025

Equity: €7,215
Loss: -€2,785

Financial health

80 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.4%

Structure

Accounts 80 d early0 of 1 deed read

Why 80- Founded in 2024- Equity €7,215 (0.4% of total assets)+ Size: total assets €2.0m+ No main activity registeredShow the evidence

Checked score

Score 2025

80 / 100

Excellent

Probability in this band: under 0.55%

Better than 16% of its sector peers (no NACE code, small)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength

Weak

Solvency 25

equity 0.4% of total assets

Liquidity 1

short-term debt 99.6% · cash 0.4%

Profitability 37

return on assets -0.1%

Bankruptcy probability, 12 months

0.4% Very low

0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 07-2025: 2.5% 08-2025: 2.5%● 0.0% vs 07-2025 09-2025: 2.6%▲ +4.5% vs 08-2025 10-2025: 3.0%▲ +15.7% vs 09-2025 11-2025: 3.2%▲ +5.6% vs 10-2025 12-2025: 3.5%▲ +9.4% vs 11-2025 01-2026: 3.7%▲ +6.2% vs 12-2025 02-2026: 3.7%● 0.0% vs 01-2026 03-2026: 3.6%▼ -2.6% vs 02-2026 04-2026: 3.6%▼ -1.1% vs 03-2026 05-2026: 4.0%▲ +12.0% vs 04-2026highest value 06-2026: 0.4%▼ -91.1% vs 05-2026 07-2026: 0.4%▼ -0.6% vs 06-2026lowest value 08-2026: 0.4%● 0.0% vs 07-2026lowest value 09-2026: 0.4%● 0.0% vs 08-2026lowest value 10-2026: 0.4%● 0.0% vs 09-2026lowest value

Size: total assets €2.0m lowers the probability for this profile
Founded in 2024 raises the probability for this profile
No main activity registered lowers the probability
Equity €7,215 (0.4% of total assets) raises the probability

Credit up to €500 at 30 days acceptable

Liquidity tight (current ratio 1.0; short-term debt: 99.6% and cash: 0.4% of total assets), and 99.6% 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 (no NACE code, small). Better than this share of them on solvency 12%, liquidity 4%, profitability 33%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. 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.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.