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Complete company report
Generated 16-08-2026
Active BE 0403.219.595Public limited company

Finapal

Bourgetlaan 42 ·1130 Brussel, Belgium· 64 yrs active
Sector: Ontwikkeling van residentiële bouwprojecten (68121)
Conclusion Checked

The computed 12-month bankruptcy probability of Finapal is 0.2% (very low). The company has been active since 1962 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.
Key figures
Active 64 yrs
Board 2
Locations 1
Publications 14
Bankruptcy probability (12 mo) Checked model v1 · free
0.2% Very low
0%0,5%1,5%4%10%≥25%
Long track record −Higher-failure-rate region +Lower-failure-rate sector −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Long-established
Founded in 1962, 64 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 Flags0 events
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.
Financial overview10 NBB filings
Financials 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 09-07-2025 2025-00247043
31-12-2023 volledig 01-07-2024 2024-00198593
31-12-2022 volledig 27-06-2023 2023-00162602
31-12-2021 volledig 30-06-2022 2022-20127098
31-12-2020 volledig 04-06-2021 2021-17300308
31-12-2019 volledig 10-06-2020 2020-16000371
31-12-2018 volledig 04-06-2019 2019-15700378
31-12-2017 volledig 30-05-2018 2018-14800333
31-12-2016 volledig 15-05-2017 2017-12100164
31-12-2015 volledig 06-06-2016 2016-15600422
Directors & mandates 9 directors
Current directors & mandates
  • Koen VAN UFFELEN
    Director
    State Gazette act 24104698 (11-07-2024)
    Current
    27-06-2023 → present
    2 events
    • 11-07-2024 Appointed· Director
    • 27-06-2023 Appointed· Director
  • Dirk Verbruggen
    Director
    State Gazette act 23086972 (07-07-2023)
    Current
    09-06-2020 → present
    2 events
    • 07-07-2023 Appointed· Director
    • 09-06-2020 Appointed· Director
Historic, not recently confirmed (2)
These mandates remain open in the register but have not been confirmed by a new act in over six years. They do not count as active directors.
  • Brigitte DECKÈRS
    Director
    State Gazette act 18081988 (28-05-2018)
    Not recently confirmed
    last confirmed in an act from 2018
  • Kurt DEHOORNE
    Auditor
    State Gazette act 16069346 (20-05-2016)
    Not recently confirmed
    last confirmed in an act from 2016
Former directors (5)
  • Frédéric Lycops
    Director
    State Gazette act 21060247 (20-05-2021)
    Former
    20-05-2021 → 27-06-2023
    2 events
    • 27-06-2023 Resigned· Director
    • 20-05-2021 Appointed· Director
  • Jean-Pierre MELLEN
    Director
    State Gazette act 20064232 (09-06-2020)
    Former
    09-06-2020 → 26-09-2022
    2 events
    • 26-09-2022 Resigned· Director
    • 09-06-2020 Appointed· Director
  • Olivier DEWEERDT
    Director
    State Gazette act 20064232 (09-06-2020)
    Former
    09-06-2020 → 20-05-2021
    2 events
    • 20-05-2021 Resigned· Director
    • 09-06-2020 Appointed· Director
  • Brigitte Deckers
    Director
    State Gazette act 19168388 (30-12-2019)
    Former
    24-08-2015 → 09-06-2020
    4 events
    • 09-06-2020 Resigned· Director
    • 30-12-2019 Appointed· Director
    • 08-09-2015 Appointed· Director
    • 24-08-2015 Appointed· Director
  • Benoit Rottier
    Director
    State Gazette act 19070054 (24-05-2019)
    Former
    - → 24-05-2019
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Statutory auditor 4 auditor
Statutory auditor IRE/IBR number Tenure
SRL PwC Reviseurs d'EntreprisesCurrent
Commissaire
 - 11-07-2024 → present
Show 3 earlier auditors
Deloitte Réviseur d'Entreprises
Commissaire
 - - → 20-05-2021
Kurt Dehooorne
Commissaire
succeeded by PWC Réviseur d'entreprises in 2021
 - 24-05-2019 → 20-05-2021
PWC Réviseur d'entreprises
Commissaire
succeeded by SRL PwC Reviseurs d'Entreprises in 2024
 - 20-05-2021 → 11-07-2024
Appointed statutory auditor from the Belgian State Gazette. The IRE/IBR number refers to the register of the Institute of Registered Auditors.
Legal Structure
NACE primary Ontwikkeling van residentiële bouwprojecten(68121)
Legal form Public limited company(014)
Incorporation01-01-1962
StatusActive
Postal code1130
Establishment units 1 location
Bourgetlaan 42, 1130 Brussel
Overige financiële instellingen, n.e.g.
since 19622.006.427.578
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels 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.

Brussels 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21821C0259/00N000 Brussels 2,460 m² - -
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 24 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
09-07-2025
NBB filing Annual accounts filed
fiscal year 2024 · volledig
2024
11-07-2024
State Gazette act Director changes
v3.2
01-07-2024
NBB filing Annual accounts filed
fiscal year 2023 · volledig
2023
05-12-2023
State Gazette act Minor change
Statutes change · David INDEKEU
07-07-2023
State Gazette act Director changes
v3.2
27-06-2023
NBB filing Annual accounts filed
fiscal year 2022 · volledig
27-06-2023
State Gazette act Director changes
v3.2
2022
26-09-2022
State Gazette act Director changes
v3.2
30-06-2022
NBB filing Annual accounts filed
fiscal year 2021 · volledig
2021
04-06-2021
NBB filing Annual accounts filed
fiscal year 2020 · volledig
20-05-2021
State Gazette act Director changes
v3.2
2020
10-06-2020
NBB filing Annual accounts filed
fiscal year 2019 · volledig
09-06-2020
State Gazette act Registered-office change
notary's full name not specified
2019
30-12-2019
State Gazette act Director changes
v3.2
04-06-2019
NBB filing Annual accounts filed
fiscal year 2018 · volledig
24-05-2019
State Gazette act Director changes
v3.2
2018
30-05-2018
NBB filing Annual accounts filed
fiscal year 2017 · volledig
28-05-2018
State Gazette act Director changes
v3.2
2017
22-05-2017
State Gazette act Director changes
v3.2
15-05-2017
NBB filing Annual accounts filed
fiscal year 2016 · volledig
2016
06-06-2016
NBB filing Annual accounts filed
fiscal year 2015 · volledig
20-05-2016
State Gazette act Director changes
v3.2
2015
08-09-2015
State Gazette act Director changes
v3.2
24-08-2015
State Gazette act Director changes
v3.2
Belgian State Gazette reading coverage 0 of 23 acts read

We know of 23 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 14 acts
Address history · 1
09-06-2020
Registered-office move
All acts · 14 updated 2 years ago
2024
11-07-2024 2 directors appointed Director changes
  • Koen VAN UFFELEN, Bestuurder
  • SRL PwC Reviseurs d'Entreprises, Commissaire
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "administrateur",
      "person": {
        "rrn": null,
        "name": "Koen VAN UFFELEN",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "commissaire",
      "person": {
        "rrn": null,
        "name": "SRL PwC Reviseurs d\u0027Entreprises",
        "address": null,
        "birth_date": null
      }
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "extractor": "qwen3-30b-a3b"
  },
  "subject_company": {
    "kbo": "0403.219.595",
    "name_full": "FINAPAL"
  }
}
2023
05-12-2023 Publication in the Belgian Official Gazette, Minor change Minor change·David INDEKEU
Summary: Statutes changeNotary: David INDEKEU · Bruxelles
Technical details 
{
  "notary": {
    "name": "David INDEKEU",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Bruxelles",
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2023-12-05",
    "filing_date": "2023-12-01",
    "act_kind_objet": "STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS)"
  },
  "decision": {
    "body": "buitengewone_algemene_vergadering",
    "date": "2023-11-20",
    "unanimous": true
  },
  "agm_change": null,
  "detected_kind": "statutes_change",
  "other_address": null,
  "mandate_renewal": null,
  "subject_company": {
    "kbo": "0403.219.595",
    "name_full": "Finapal",
    "legal_form": "SA"
  },
  "accounts_deposit": null,
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null
  },
  "co_filed_documents": [
    "expedition of the act of 20 November 2023",
    "2 procurations",
    "coordinated text of the statutes"
  ],
  "fiscal_year_change": {
    "new_end_mm_dd": "31",
    "old_end_mm_dd": "31",
    "new_start_mm_dd": "01",
    "old_start_mm_dd": "01",
    "first_full_new_year": null,
    "transition_period_end": null
  },
  "liquidation_closure": null,
  "officer_designation": null,
  "special_procuration": null,
  "is_volet_a_only_stub": false,
  "vakbekwaamheid_change": null,
  "should_reroute_to_category": null,
  "single_shareholder_declaration": null
}
07-07-2023 Dirk Verbruggen appointed as director Director changes
  • Dirk Verbruggen, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "administrateur",
      "person": {
        "rrn": null,
        "name": "Dirk Verbruggen",
        "address": null,
        "birth_date": null
      }
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "extractor": "qwen3-30b-a3b"
  },
  "subject_company": {
    "kbo": "0403.219.595",
    "name_full": "FINAPAL"
  }
}
27-06-2023 1 director appointed, 1 resigning Director changes
  • Koen VAN UFFELEN, Bestuurder
  • Frédéric LYCOPS, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "administrateur",
      "person": {
        "rrn": null,
        "name": "Fr\u00E9d\u00E9ric LYCOPS",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "administrateur",
      "person": {
        "rrn": null,
        "name": "Koen VAN UFFELEN",
        "address": null,
        "birth_date": null
      }
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "extractor": "qwen3-30b-a3b"
  },
  "subject_company": {
    "kbo": "0403.219.595",
    "name_full": "FINAPAL"
  }
}
2022
26-09-2022 Jean-Pierre MELLEN resigns as director Director changes
  • Jean-Pierre MELLEN, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "administrateur",
      "person": {
        "rrn": null,
        "name": "Jean-Pierre MELLEN",
        "address": null,
        "birth_date": null
      }
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "extractor": "qwen3-30b-a3b"
  },
  "subject_company": {
    "kbo": "0403.219.595",
    "name_full": "FINAPAL"
  }
}
2021
20-05-2021 2 directors appointed, 2 resigning Director changes
  • Frédéric Lycops, Bestuurder
  • PWC Réviseur d'entreprises, Commissaire
  • Olivier Deweerdt, Bestuurder
  • Deloitte Réviseur d'Entreprises, Commissaire
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "administrateur",
      "person": {
        "rrn": null,
        "name": "Olivier Deweerdt",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "administrateur",
      "person": {
        "rrn": null,
        "name": "Fr\u00E9d\u00E9ric Lycops",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_out",
      "role": "commissaire",
      "person": {
        "rrn": null,
        "name": "Deloitte R\u00E9viseur d\u0027Entreprises",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "commissaire",
      "person": {
        "rrn": null,
        "name": "PWC R\u00E9viseur d\u0027entreprises",
        "address": null,
        "birth_date": null
      }
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "extractor": "qwen3-30b-a3b"
  },
  "subject_company": {
    "kbo": "0403.219.595",
    "name_full": "FINAPAL"
  }
}
2020
09-06-2020 Registered office moved from Bruxelles (Evere) to Bruxelles Registered-office change·notary's full name not specified
  • Avenue des Olympiades 2- 1140 Bruxelles (Evere) → Avenue du Bourget 42, 1130 Bruxelles
Notary: notary's full name not specified · Bruxelles
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_social",
      "new_address": {
        "raw": "Avenue du Bourget 42, 1130 Bruxelles",
        "city": "Bruxelles",
        "region": "brussels_hoofdstedelijk_gewest",
        "street": "Avenue du Bourget",
        "country": "BE",
        "postcode": "1130",
        "box_number": null,
        "street_number": "42",
        "locality_suffix": null
      },
      "old_address": {
        "raw": "Avenue des Olympiades 2- 1140 Bruxelles (Evere)",
        "city": "Bruxelles (Evere)",
        "region": "brussels_hoofdstedelijk_gewest",
        "street": "Avenue des Olympiades",
        "country": "BE",
        "postcode": "1140",
        "box_number": null,
        "street_number": "2",
        "locality_suffix": null
      },
      "effective_date": "2020-06-01",
      "evidence_quote": "Le Conseil d\u0027administration d\u00E9cide de transf\u00E9rer le si\u00E8ge social de la Soci\u00E9t\u00E9 \u00E0 partir du 1er juin 2020 \u00E0 l\u0027adresse suivante: Avenue du Bourget 42, 1130 Bruxelles.",
      "region_changed": false,
      "is_statute_change": false,
      "nationality_change": false,
      "old_address_source": "header_volledig_adres",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "absolute",
      "statutaire_vs_werkelijke": "statutaire",
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": "notary\u0027s full name not specified",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Bruxelles",
    "is_associated": false
  },
  "act_meta": {
    "language": "fr",
    "pub_date": "2020-06-09",
    "filing_date": "2020-05-28",
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decision": {
    "body": "algemene_vergadering",
    "date": "2020-05-05",
    "unanimous": true
  },
  "subject_company": {
    "kbo": "0403.219.595",
    "name_full": "FINAPAL",
    "legal_form": "SA"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Olivier DEWEERDT",
    "org_rep_person_name": null,
    "person_role_at_subject": "administrateur"
  },
  "co_filed_documents": [
    "Extrait du proc\u00E8s-verbal de l\u0027Assembl\u00E9e G\u00E9n\u00E9rale Ordinaire du 5 mai 2020",
    "Extrait du proc\u00E8s-verbal du Conseil d\u0027Administration du 13 mai 2020"
  ]
}
2019
30-12-2019 Brigitte Deckers appointed as director Director changes
  • Brigitte Deckers, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "Administrateur",
      "person": {
        "rrn": null,
        "name": "Brigitte Deckers",
        "address": null,
        "birth_date": null
      }
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "extractor": "qwen3-30b-a3b"
  },
  "subject_company": {
    "kbo": "0403.219.595",
    "name_full": "FINAPAL"
  }
}
24-05-2019 1 director appointed, 1 resigning Director changes
  • Kurt Dehooorne, Commissaire
  • Benoit Rottier, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "administrateur",
      "person": {
        "rrn": null,
        "name": "Benoit Rottier",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "commissaire",
      "person": {
        "rrn": null,
        "name": "Kurt Dehooorne",
        "address": null,
        "birth_date": null
      }
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "extractor": "qwen3-30b-a3b"
  },
  "subject_company": {
    "kbo": "0403.219.595",
    "name_full": "FINAPAL"
  }
}
2018
28-05-2018 Brigitte DECKÈRS appointed as director Director changes
  • Brigitte DECKÈRS, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "administrateur",
      "person": {
        "rrn": null,
        "name": "Brigitte DECK\u00C8RS",
        "address": null,
        "birth_date": null
      }
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "extractor": "qwen3-30b-a3b"
  },
  "subject_company": {
    "kbo": "0403.219.595",
    "name_full": "FINAPAL"
  }
}
2017
22-05-2017 Change in the board of directors Director changes
Summary: v3.2
Technical details 
{
  "events": [],
  "schema": "v3.2",
  "act_meta": {
    "extractor": "qwen3-30b-a3b"
  },
  "subject_company": {
    "kbo": "0403.219.595",
    "name_full": "FINAPAL"
  }
}
2016
20-05-2016 Kurt DEHOORNE appointed as auditor Director changes
  • Kurt DEHOORNE, Auditor
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "auditor",
      "person": {
        "rrn": null,
        "name": "Kurt DEHOORNE",
        "address": null,
        "birth_date": null
      }
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "extractor": "qwen3-30b-a3b"
  },
  "subject_company": {
    "kbo": "0403.219.595",
    "name_full": "FINAPAL"
  }
}
2015
08-09-2015 Brigitte DECKERS appointed as director Director changes
  • Brigitte DECKERS, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "administrateur",
      "person": {
        "rrn": null,
        "name": "Brigitte DECKERS",
        "address": null,
        "birth_date": null
      }
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "extractor": "qwen3-30b-a3b"
  },
  "subject_company": {
    "kbo": "0403.219.595",
    "name_full": "FINAPAL"
  }
}
24-08-2015 Brigitte DECKERS appointed as director Director changes
  • Brigitte DECKERS, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "administrateur",
      "person": {
        "rrn": null,
        "name": "Brigitte DECKERS",
        "address": null,
        "birth_date": null
      }
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "extractor": "qwen3-30b-a3b"
  },
  "subject_company": {
    "kbo": "0403.219.595",
    "name_full": "FINAPAL"
  }
}
Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Ontwikkeling van residentiële bouwprojecten41101Ontwikkeling van residentiële bouwprojecten68121Markt- en opinieonderzoekbureaus73200Markt- en opinieonderzoek73200
Primary activity highlighted.
Names & trade names
Legal nameFR Finapal
Registered office
Bourgetlaan 42
1130 Brussel, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative