SFINANCE

Active

Private limited companyfounded 2023active for 3 yearsErfprinslaan 33, 1200 Sint-Lambrechts-Woluwe, BelgiumKBO/BCE: BE 0804.726.351

Summary

The computed 12-month bankruptcy probability of SFINANCE is 2.3% (moderate). The 2024 annual accounts show equity of €25,208 and a net result of €22,208. Its solvency ranks better than 28% of 37,585 sector peers (NACE 70, financial year 2024). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.

Risk analysisFollow Report Compare

SFINANCEActiveChecked score 53/100

Risk analysis Report Compare

Activity

Business and other management consultancy

NACE 70200

1 site

Size

≈ €91,000turnover 2024, estimated

Equity: €25,208
Profit: €22,208

Turnover estimated from the gross margin

Financial health

53 Fair Checked score 2024

Bankruptcy probabilitywithin 12 months: 2.3%

Structure

NIYITEGEKA SelemaniDirector

2024 accounts filed 101 days late

Why 53raises riskFigures for financial year 2024 (filed 12-11-2025)1 financial year not filed after the legal deadline; last filed accounts filed 101 days late; 1 of the last 3 lateFounded in 2023lowers riskSector: Activities of head offices; management consultancy activities (NACE 70)Show the evidence

Checked score

Score 2024

53 / 100

Fair

Probability in this band: 1.5% to 4.2%

Financially better than 42% of its sector peers (NACE 70, micro)

Every signal that counts is listed under Signals.

Financial strength

Strong

Solvency 56

equity 31.3% of total assets

Liquidity 25

short-term debt 68.7% · cash 9.4%

Profitability 100

return on assets 27.6%

Bankruptcy probability, 12 months

2.3% Moderate

0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (48,493 companies, NACE 70, micro)

Last 24 months 11-2024: 0.4%lowest value 12-2024: 0.4%● unchanged vs 11-2024 01-2025: 0.4%● unchanged vs 12-2024 02-2025: 0.5%▲ +0.1 percentage points vs 01-2025 03-2025: 0.5%● unchanged vs 02-2025 04-2025: 0.6%▲ +0.1 percentage points vs 03-2025 05-2025: 0.5%▼ -0.1 percentage points vs 04-2025 06-2025: 0.5%● unchanged vs 05-2025 07-2025: 0.6%▲ +0.1 percentage points vs 06-2025 08-2025: 0.6%● unchanged vs 07-2025 09-2025: 0.6%● unchanged vs 08-2025 10-2025: 0.6%● unchanged vs 09-2025 11-2025: 0.6%● unchanged vs 10-2025 12-2025: 0.7%▲ +0.1 percentage points vs 11-2025 01-2026: 0.7%● unchanged vs 12-2025 02-2026: 0.7%● unchanged vs 01-2026 03-2026: 0.7%● unchanged vs 02-2026 04-2026: 0.8%▲ +0.1 percentage points vs 03-2026 05-2026: 0.8%● unchanged vs 04-2026 06-2026: 0.8%● unchanged vs 05-2026 07-2026: 0.8%● unchanged vs 06-2026 08-2026: 1.2%▲ +0.4 percentage points vs 07-2026 09-2026: 1.4%▲ +0.2 percentage points vs 08-2026 10-2026: 2.3%▲ +0.9 percentage points vs 09-2026highest value

Credit of up to €1,000 on 30-day terms, only on tighter conditions: the latest accounts were filed more than 90 days after the deadline

Liquidity tight (current ratio 1.44, below the usual 1.5; short-term debt: 68.7% and cash: 9.4% of total assets), and 68.7% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro): better than 31% on solvency, 10% on liquidity and 84% on profitability.

The bankruptcy probability was computed on 29-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.

lowers riskraises risk

Sector: Activities of head offices; management consultancy activities (NACE 70)

KBO

Figures for financial year 2024 (filed 12-11-2025)

NBB · annual accounts

1 financial year not filed after the legal deadline; last filed accounts filed 101 days late; 1 of the last 3 late

NBB · filings

Founded in 2023

Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.

KBO

2024 accounts filed 101 days late

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-11-2025, 101 days past the deadline. Measured on financial year 2023: of the companies more than 90 days late, 5.61% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers.

NBB · 1 filing

Deviation from the deadline

2024

101 days late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its 2024 accounts 101 days after the deadline; the sector median (NACE 70) for financial year 2024 is 9 days before the deadline, and 32% of those companies filed late.

Searched, nothing found (1)

No strike-offs in the KBO publications

Searched since incorporation in 2023.

KBO publications · our coverage

09-11-2025 Annual accounts filedfinancial year 2024 · micro…
14-08-2023 IncorporationAppointment: NIYITEGEKA Selemani (director) ·…

Key points

Caution: Latest accounts filed lateafter the legal deadline 101 days View
One director decidessole director in office 1 View
Total assets 2024first financial year filed €80,450 View

By topic

Financials

Financial year: 2024
Total assets: €80,450
Profit: €22,208
Solvency: 31.3%

Go to Financials

Board & ownership

Board: 1 member

NIYITEGEKA SelemaniDirector

Go to Board & ownership

Timeline

Events: 2
Since: 2023

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company
Activity: Business and other management consultancyNACE 70200
Founded: 10-08-2023
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Articles of association

Provisions read: 32

Annual meeting: 31 May at 16:00
Purpose: “1. L'exercice d'activités de conseil, de consultation et de formation dans les domaines…” (deed in French)
Statutory auditor: No statutory auditor

Go to Articles of association

Key facts about SFINANCE

What is the company number of SFINANCE?: 0804.726.351. In Belgium the VAT number is the company number with BE in front: BE 0804.726.351.
Where is SFINANCE based?: The registered office is at Erfprinslaan 33, 1200 Sint-Lambrechts-Woluwe.Company details
What does SFINANCE do?: According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
What is the legal form of SFINANCE?: Private limited company (BV).
When was SFINANCE founded?: On 10-08-2023.
Is SFINANCE still active?: Yes, SFINANCE is an active enterprise in the KBO register.
What is the turnover of SFINANCE?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is SFINANCE profitable?: In financial year 2024, SFINANCE made a profit of €22,208.
Where can I find the annual accounts of SFINANCE?: SFINANCE filed 1 annual account with the National Bank of Belgium, for financial year 2024.