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The Fine Lab S.A.

Active
Public limited companyfounded 2020active for 5 yearsArnaud Fraiteurlaan 15/23, 1050 Elsene, BelgiumKBO/BCE: BE 0760.343.408
Summary

The Fine Lab S.A. has been active since 2020 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.3m and a net result of €9,533. Equity has been growing by about 5.3% per year since 2022. Its solvency ranks better than 73% of 1,164 sector peers (NACE 82, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisFollow ReportCompare
The Fine Lab S.A.ActiveChecked score 88/100
Risk analysis ReportCompare

Overview

Official details

Source: KBO
Status
Active since 21-12-2020 Normal situation
Registered office
230 active companies are registered at this address 18 started in the 12 months before. Source: KBO register, as of 1 November 2026.
Activity
Other business support services NACE 82990and 2 others
Establishment unit
2.317.423.337 1050 Elsene, since 21-12-2020
Financial year end
31 August
Peppol
Reachable since 17-09-2025
Company details

Board and ownership

Board
Auditor
PwC Reviseurs d'Entreprises
Shareholders
Board & ownership

Financial position

88 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.2%
Annual accounts to 31-08-2025
Gross margin
€1.8m
Turnover
≈ €2.8m
estimated
Profit
€9,533
▼ 96.1%
Equity
€3.3m
▲ 0.3%
Total assets
€4.5m
▲ 14.3%
Employees on 31-08-2025
12
=
Filed on 02-03-2026, 29 days before the deadline
Financials
Score breakdownraises riskLiquidity: current ratio 1.12, cash €222,691lowers riskSector: Office administrative, office support and other business support activities (NACE 82)Figures for financial year 2025 (filed on 04-03-2026)Equity €3.3m (72.8% of total assets)Show the evidence

Checked score

Score 2025
88 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 50% of small companies in office administrative support (NACE 82)
Every signal that counts is listed under Signals.
Financial strength · tick: 2024
Strong
Solvency 98-2
equity 72.8% of total assets
Liquidity 47-7
short-term debt 25.0% · cash 5.0%
Profitability 69-7
return on assets 0.2%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (1,121 companies, NACE 82, small)
Last 24 months 12-2024: 0.3% 01-2025: 0.4%▲ +0.1 percentage points vs 12-2024 02-2025: 0.4%● unchanged vs 01-2025highest value 03-2025: 0.1%▼ -0.3 percentage points vs 02-2025lowest value 04-2025: 0.1%● unchanged vs 03-2025lowest value 05-2025: 0.1%● unchanged vs 04-2025lowest value 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.1%● unchanged vs 06-2025 08-2025: 0.1%● unchanged vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.2%▲ +0.1 percentage points vs 10-2025 12-2025: 0.2%● unchanged vs 11-2025 01-2026: 0.2%● unchanged vs 12-2025 02-2026: 0.2%● unchanged vs 01-2026 03-2026: 0.3%▲ +0.1 percentage points vs 02-2026 04-2026: 0.2%▼ -0.1 percentage points vs 03-2026 05-2026: 0.2%● unchanged vs 04-2026 06-2026: 0.2%● unchanged vs 05-2026 07-2026: 0.2%● unchanged vs 06-2026 08-2026: 0.2%● unchanged vs 07-2026 09-2026: 0.2%● unchanged vs 08-2026 10-2026: 0.2%● unchanged vs 09-2026 11-2026: 0.2%● unchanged vs 10-2026
Credit of up to €280,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.12 (0.85 in 2024), below the usual 1.5. Short-term debt is 25% and cash 5% of total assets. 27.2% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 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 82, small). It does better than 76% of them on solvency, 39% on liquidity, 54% on profitability and 33% on growth.

The bankruptcy probability was computed on 01-11-2026 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. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Sector: Office administrative, office support and other business support activities (NACE 82)
KBO
lowers risk · Figures for financial year 2025 (filed on 04-03-2026)
NBB · annual accounts
raises risk · Liquidity: current ratio 1.12, cash €222,691
NBB · annual accounts
lowers risk · Equity €3.3m (72.8% of total assets)
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 31-08-2025 was due by 31-03-2026 and was filed on 02-03-2026, 29 days ahead of the deadline.
NBB · 4 filings
Deviation from the deadline
2025
29 days early
2024
35 days early
2023
17 days early
2022
36 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 4 accounts on average 29 days before the deadline. In the sector (NACE 82), the median for financial year 2024 was 7 days before the deadline, and 35% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 31-08-2026 is due by 31-03-2027. Nothing is late today. The company usually files around 27 February (4 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
31-08-2026 year end02-11-2026 today31-03-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: Result fell in 2025from €242,568 to €9,533 ▼ 96.1% View
  • Higher gross margin than 88% of companies in office administrative supportsector median €231,425 · 819 companies €1.8m View
  • Positive: Always filed on timeaccounts within the deadline every year 4 years View

Recent changes

  1. · Gazette deed Reappointments: Gabriele Caponcello, Christophe Neumann and Alberto Cavalleris
  2. · Gazette deed Resignation: Linda Valsecchi (director)
  3. · Gazette deed Resignation: BOGAERT & BOSMANS BEDRIJFSREVISOREN (statutory auditor)Appointment: PwC Reviseurs d'Entreprises (statutory auditor) · Permanent representative: Alexis Van Bavel
All 18 events

Companies linked to The Fine Lab S.A.

Comparable companies

These companies have the same main activity as The Fine Lab S.A.: other business support services (NACE 82990). They are comparable in size and age: total assets between €3m and €5m, founded between 2019 and 2022.

CompanyTotal assetsGross margin
The Fine Lab S.A. Elsene€4.5m€1.8m
Microwave Energy Applications Management Houthalen-Helchteren€4.1m€2.5m
BCB PACKAGING SERVICES Etterbeek€4.4m€0.9m
Sparks Meeting Brussel€5.0m€1.5m
DVF LOGISTICS Antwerpen€3.7m€1.1m
ASVCo Mechelen€4.1m€3.5m
ART BLANC Waterloo€3.0m€1.1m
Full comparison

Key facts about The Fine Lab S.A.
What is the company number of The Fine Lab S.A.?
The company number of The Fine Lab S.A. is 0760.343.408. The VAT number is the same number with BE in front: BE 0760.343.408.
Where is The Fine Lab S.A. based?
The registered office is at Arnaud Fraiteurlaan 15/23, 1050 Elsene.Company details
What does The Fine Lab S.A. do?
According to the KBO register, the main activity is other business support services (NACE 82990).
What is the legal form of The Fine Lab S.A.?
The legal form of The Fine Lab S.A. is Public limited company (NV).
When was The Fine Lab S.A. founded?
The Fine Lab S.A. was founded on 21-12-2020.
Is The Fine Lab S.A. still active?
Yes, The Fine Lab S.A. is an active enterprise in the KBO register.
How many employees does The Fine Lab S.A. have?
The Fine Lab S.A. had an average of 13.2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of The Fine Lab S.A.?
The turnover in financial year 2025 is ≈ €2.8m. This figure is estimated from the gross margin of €1.8m and 40 comparable companies (NACE 82). It probably lies between €2.1m and €4.1m. In financial year 2022 turnover was €130.
Is The Fine Lab S.A. profitable?
In financial year 2025, The Fine Lab S.A. made a profit of €9,533.
Where can I find the annual accounts of The Fine Lab S.A.?
The Fine Lab S.A. filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of The Fine Lab S.A. due?
The Fine Lab S.A. must file the annual accounts for financial year 2026 by 31-03-2027.Timeline

Next steps

Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence See whether the workforce is growing and whether people stay.Employer check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check See the other companies in the same group.CTH INVEST · 5 companies

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