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la fine equipe

Active
Private limited company (pre-2019)founded 200124 yrs activeGrote Molenweg 131, 3020 Herent, BelgiumKBO/BCE: BE 0476.185.074
Summary

The computed 12-month bankruptcy probability of la fine equipe is 4.2% (elevated). The 2025 annual accounts show equity of €31,492 and a net result of €15,861. Equity is growing by ~12.4% per year across the filed fiscal years. Its solvency ranks better than 12% of 30651 sector peers (fiscal year 2025). The company has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
la fine equipeActiveChecked score 47/100
Risk analysis ReportCompare

Overview

Activity
Other building finishing work
NACE 43350NACE 43390
1 site
Size
€130,000turnover 2025
Equity
€31,492
Profit
€15,861
Financial health
47 Fair Checked score 2025
Bankruptcy chance 12 m
4.2%
Structure
Accounts filed 30 d late0 of 4 deeds read
Why 47- 2 changes of registered office in 24 months- Sector Specialised construction activities (NACE 43)- Liquidity: current ratio 1.07, cash €4,202+ Size: turnover €130,000, total assets €470,666Show the evidence

Checked score

Score 2025
47 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 32% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 32+2
equity 6.7% of total assets
Liquidity 1+1
short-term debt 93.3% · cash 0.9%
Profitability 46+7
return on assets 3.4%
Bankruptcy probability, 12 months
4.2% Elevated
0%0.5%1.5%4%10%≥ 25%

About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,004 companies)
Last 14 months 09-2025: 5.1% 10-2025: 5.1%● 0.0% vs 09-2025 11-2025: 5.1%● 0.0% vs 10-2025 12-2025: 5.1%● 0.0% vs 11-2025 01-2026: 5.2%▲ +1.7% vs 12-2025 02-2026: 5.2%● 0.0% vs 01-2026 03-2026: 5.2%● 0.0% vs 02-2026 04-2026: 5.3%▲ +2.2% vs 03-2026 05-2026: 5.1%▼ -4.9% vs 04-2026 06-2026: 4.7%▼ -7.7% vs 05-2026 07-2026: 4.8%▲ +2.2% vs 06-2026 08-2026: 6.0%▲ +26.9% vs 07-2026highest value 09-2026: 4.2%▼ -30.3% vs 08-2026lowest value 10-2026: 4.2%● 0.0% vs 09-2026lowest value
  • 2 changes of registered office in 24 months raises the probability
  • Sector Specialised construction activities (NACE 43) raises the probability
  • Size: turnover €130,000, total assets €470,666 lowers the probability for this profile
  • Liquidity: current ratio 1.07, cash €4,202 raises the probability
Credit up to €1,000 at 30 days only on tighter terms
Liquidity tight (current ratio 1.07 against 1.05 in 2024; short-term debt: 93.3% and cash: 0.9% of total assets), and 93.3% 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 43, micro). Better than this share of them on solvency 12%, liquidity 2%, profitability 22%, growth against the median 91%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. 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
raises risk · 2 changes of registered office in 24 months
In the bankruptcy model this factor raises the probability.
Belgian State Gazette
raises risk · Sector Specialised construction activities (NACE 43)
In the bankruptcy model this factor raises the probability.
KBO
lowers risk · Size: turnover €130,000, total assets €470,666
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Liquidity: current ratio 1.07, cash €4,202
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 30651 sector peers (2025).
NBB · sector comparison
Position among 30651 sector peers
Solvency
better than 12%
← weakest strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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.
NBB · 10 filings
Deviation from the deadline
2025
30 d late
2024
27 d late
2023
26 d late
2022
3 d early
2021
26 d late
2020
27 d late
2019
8 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 18 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% 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 27 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
02-10-2026 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. Highest result since 2018net €15,861 ▲858%
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Positive: Turnover rose in 2025from €75,000 to €130,000 ▲ 73.3% View
  • Caution: Among the weakest 13% on solvencysector median 47.2% · 30,651 companies 6.7% View
  • Turnover 20256 fiscal years filed €130,000 View

By topic

Financials

Fiscal year
2025
Turnover
€130,000
Profit
€15,861
Solvency
6.7%
Turnover▲ 73.3%
Net result
20202025
Go to Financials

Timeline

Events
15
Since
2017
Next accounts
by 31-07-2027
  1. 30-08-2026Annual accounts filed
  2. 31-12-2025Highest result since 2018
  3. 27-08-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company (pre-2019)
Activity
Other building finishing workNACE 43350
Founded
28-11-2001
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark

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