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Financité

Active
Non-profit associationfounded 1987active for 39 yearsRue de l'Académie 53, 4000 Liège, Belgium32 active companies are registered at this addressKBO/BCE: BE 0434.307.602
Summary

Financité has been active since 1987 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €137,916 and a net result of €9,177. Equity is shrinking by about 7.4% per year across the filed financial years. Its solvency ranks better than 18% of 5,007 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Risk analysisFollow ReportCompare
FinancitéActiveChecked score 94/100
Risk analysis ReportCompare

Overview

Activity
Retail sale of newspapers and periodicals
NACE 47621Activities of membership organisations NACE 94992
3 sites
Size
€1.9mtotal assets 2025
Staff
18.1 FTE
Equity
€137,916
Surplus
€9,177
Financial health
94 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Structure
Board
7 members
Auditor: CHRISTOPHE REMON & CO2025 accounts filed 25 days late
Why 94raises riskEquity €137,916 (7.2% of total assets)Sector: Retail trade (NACE 47)lowers riskLegal form: non-profit associationLiquidity: current ratio 1.16, cash €702,766Show the evidence

Checked score

Score 2025
94 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 48% of its sector peers (NACE 47, small)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Average
Solvency 32-1
equity 7.2% of total assets
Liquidity 68+14
short-term debt 55.0% · cash 36.6%
Profitability 45-15
return on assets 0.5%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

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

Sector median 0.4% (3,693 companies, NACE 47, small)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%● unchanged vs 11-2024 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.1%● unchanged vs 06-2025highest value 08-2025: < 0.1%▼ -0.1 percentage points vs 07-2025 09-2025: < 0.1%● unchanged vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: < 0.1%● unchanged vs 06-2026 08-2026: 0.1%▲ +0.1 percentage points vs 07-2026 09-2026: < 0.1%▼ -0.1 percentage points vs 08-2026lowest value 10-2026: < 0.1%● unchanged vs 09-2026lowest value
Credit of up to €12,000 on 30-day terms is acceptable
Liquidity tight (current ratio 1.16, compared with 1.35 in 2024, below the usual 1.5; short-term debt: 55% and cash: 36.6% of total assets), and 92.8% 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 47, small): better than 19% on solvency, 87% on liquidity, 28% on profitability and 60% on growth.

The bankruptcy probability was computed on 24-10-2026 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

Seven signals.
lowers riskraises riskneutral
lowers risk · Legal form: non-profit association
KBO
raises risk · Equity €137,916 (7.2% of total assets)
NBB · annual accounts
lowers risk · Liquidity: current ratio 1.16, cash €702,766
NBB · annual accounts
raises risk · Sector: Retail trade (NACE 47)
KBO
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 5007 sector peers (2025).
NBB · sector comparison
Position among 5007 sector peers
Solvency
better than 18%
← weakest strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year €137,916
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filings
Deviation from the deadline
2025
25 days late
2024
43 days early
2023
46 days early
2022
5 days early
2021
29 days late
2020
8 days early
2019
65 days 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 16 days before the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 26 July (4 of the last 5 filed years within 38 days of that day).
Companies Code · seven months
Where today falls in the filing period
24-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · full…
  2. Appointments: < CHRISTOPHE REMON & CO…Resignation: Isabelle FRANCK (director) ·…
  3. Annual accounts filedfinancial year 2024 · full…

Key points

  • Caution: Among the weakest 18% on solvencysector median 36.1% · 5,007 companies 7.2% View
  • Wallonia-Brussels supportpaid from 2021 to 2025 €2.5m View
  • Board changedlatest change 04-03-2026 · 7 in office 1 joined · 1 left View

By topic

Financials

Financial year
2025
Total assets
€1.9m
Profit
€9,177
Solvency
7.2%
Turnover▲ 85.8%
Net result
20182024
Go to Financials

Board & ownership

Board
7 members
Auditor
CHRISTOPHE REMON & CO
  • Etienne BédoretChair
  • Centre national de Coopération au Développement - COMMUNAUTE FRANCAISE ET GERMANOPHONEDirector
  • LES SCOUTS - FEDERATION DES SCOUTS BADEN - POWELL DE BELGIQUEDirector
  • André PetersDirector
  • Christophe MercierDirector

and 2 other directors

Go to Board & ownership

Timeline

Events
64
Since
2004
Next accounts
by 31-07-2027
  1. 17-03-2025Resignation: Louis Rollin (director)
  2. 31-12-2024Highest result from 2018 to 2025
  3. 11-07-2024Resignation: CNCD-11.11.11 asbl (director)
Go to Timeline

Company details

Sites
3
Legal form
Non-profit association
Activity
Retail sale of newspapers and periodicalsNACE 47621
Founded
09-09-1987
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
27
Purpose
“Le développement d'un mouvement citoyen pour une finance responsable et solidaire qui soit…” (deed in French)
Go to Articles of association

Key facts about Financité

What is the company number of Financité?
0434.307.602. In Belgium the VAT number is the company number with BE in front: BE 0434.307.602.
Where is Financité based?
The registered office is at Rue de l'Académie 53, 4000 Liège.Company details
What does Financité do?
According to the KBO register, the main activity is retail sale of newspapers and periodicals (NACE 47621).
What is the legal form of Financité?
Non-profit association (VZW).
When was Financité founded?
On 09-09-1987.
Is Financité still active?
Yes, Financité is an active enterprise in the KBO register.
How many employees does Financité have?
On average 18.1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of Financité?
€90,678 in financial year 2024, according to the filed annual accounts.
Is Financité profitable?
In financial year 2025, Financité made a profit of €9,177.
Where can I find the annual accounts of Financité?
Financité filed 20 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of Financité due?
By 31-07-2027, for financial year 2026.Timeline

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