Full dossier in preparation
Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.
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Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of 4FINANCE is 0.2% (very low). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.
Based on State Gazette and CBE data.
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 15 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 31 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.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 31-08-2025 | 31 d late | 2025-00455520 |
| 31-12-2023 | 31-07-2024 | 07-10-2024 | 68 d late | 2024-00496869 |
| 31-12-2022 | 31-07-2023 | 30-08-2023 | 30 d late | 2023-00388753 |
| 31-12-2021 | 31-07-2022 | 03-09-2022 | 34 d late | 2022-20410515 |
| 31-12-2020 | 31-07-2021 | 31-08-2021 | 31 d late | 2021-62700418 |
| 31-12-2019 | 31-07-2020 | 04-10-2020 | 65 d late | 2020-59900048 |
| 31-12-2018 | 31-07-2019 | 30-08-2019 | 30 d late | 2019-61500324 |
| 31-12-2017 | 31-07-2018 | 30-08-2018 | 30 d late | 2018-58500222 |
| 31-12-2016 | 31-07-2017 | 29-08-2017 | 29 d late | 2017-53500310 |
| 31-12-2015 | 31-07-2016 | 29-08-2016 | 29 d late | 2016-50400510 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsEstablished
Founded in 2013, 13 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone0.2%
Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector
−Higher-failure-rate region
+Long track record
−
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
Annual accounts & ratios
Source: NBBFinancials being processed
NBB has 10 filing(s) on record for this company, latest fiscal year 2024 (volledig). The annual accounts are being processed.
Filings on record
| Fiscal year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2024 | volledig | 31-08-2025 | 2025-00455520 |
| 31-12-2023 | volledig | 07-10-2024 | 2024-00496869 |
| 31-12-2022 | volledig | 30-08-2023 | 2023-00388753 |
| 31-12-2021 | micro | 03-09-2022 | 2022-20410515 |
| 31-12-2020 | micro | 31-08-2021 | 2021-62700418 |
| 31-12-2019 | micro | 04-10-2020 | 2020-59900048 |
| 31-12-2018 | micro | 30-08-2019 | 2019-61500324 |
| 31-12-2017 | micro | 30-08-2018 | 2018-58500222 |
| 31-12-2016 | micro | 29-08-2017 | 2017-53500310 |
| 31-12-2015 | volledig | 29-08-2016 | 2016-50400510 |
Directors
Directors & mandates
2 directorsCurrent directors & mandates
-
Current01-07-2025 → present
Former directors (1)
-
Former- → 30-12-2025
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Activiteiten van (gecertificeerde) (fiscaal) accountants(69201) |
| Legal form | Private limited company(610) |
| Incorporation | 21-03-2013 |
| Status | Active |
| Postal code | 1090 |
Structure & network
Connections & network
1 connected companyNetwork connections
Shared address
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 location4Finance
since 20242.358.400.887
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area1,869 m²
Buildings2
Building footprint1,126 m²
Volume (LiDAR)14,796 m³
Tallest building17.7 m · ±5 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21464D0173/00A000 | Brussels | 1,195 m² | 1 · 1,013 m² | 17.7 m · 5 fl. |
| 22662B0385/00X005 | Flanders | 674 m² | 1 · 114 m² | 11.1 m · 3 fl. |
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
7 acts Address history · 2
17-01-2025
v3.2
28-12-2015
v3.2
All acts · 7
updated 7 months ago
2026
09-01-2026 Derdeb resigns as director
2025
17-11-2025 Publication in the Belgian Official Gazette, Miscellaneous
Summary:
proposalNotary:
Samuel WYNANT · Bruxelles
14-11-2025 Publication in the Belgian Official Gazette, Miscellaneous
Summary:
Demerger proposalNotary:
Damien HISETTE · Bruxelles
17-07-2025 CHARH Samid appointed as director
17-01-2025 Registered office moved within Uccle
- Rue Edith Cavell 66, 1180 Uccle → Chaussée d'Alsemberg 897, 1180 Uccle
Summary:
v3.2
2023
10-11-2023 Change in the board of directors
Summary:
v3.2
2015
28-12-2015 Registered office moved within Uccle
- Avenue Winston Churchill 55, 1180 Uccle → rue Edith Cavell 66, 1180 Uccle
Summary:
v3.2
Analysis
Credit advice
verdict per customer and amountSimilar
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We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 1,587 of the 12,134 companies in this sector.
Company registry
Company registry (CBE)
Crossroads BankActivities
Accountants en belastingconsulenten69201Activiteiten van (gecertificeerde) (fiscaal) accountants69201
Primary activity highlighted.
Names & trade names
| Legal nameFR | 4FINANCE |
Registered office
Paul De Mertenlaan 36 bus 8
1090 Jette, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.