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FinDvp

Active
Private limited company·Activiteiten van hoofdkantoren· 3 yrs active
Kantersteen 47 ·1000 Brussel, Belgium
KBO/BCE: BE 0804.080.015
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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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Age3 yrs
Board3
Real estate1 parcel · 6,828 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of FinDvp is 1.5% (moderate). The 2024 annual accounts show negative equity (€-29k) and a net result of €-30k. Its solvency ranks better than 5% of 972 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
1.5% Moderate
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Young company +Higher-failure-rate region +

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

Signals

1 signal · with evidence
Negative equity
Equity is negative for financial year 2024: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
View the annual accounts

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-07-2025, 22 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. 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
31-12-2024 31-07-2025 09-07-2025 22 d early 2025-00265699

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 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
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.

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-30k
Working capital€-149k

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 09-07-2025 with the NBB · fiscal year 2024 · volledig
Sector comparison
Fiscal year 2024 · NACE 70, Head offices & management consulting · compared within the same schema type (full schema)
Metric This company Sector median Position in the sector
Solvency -18.5% 39.7%
better than 5% of 972 sector peers
Net result €-30k €32k
better than 14% of 972 sector peers
Equity €-29k €152k
better than 5% of 973 sector peers
Gross operating margin €-28k €59k
better than 5% of 813 sector peers
Total assets €155k €748k
better than 23% of 972 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositvolledig
Revenue-
EBITDA-
Net profit€-30k
Cash flow-
Staff costs-
Income taxes-
Dividends-
Total assets€155k
Equity€-29k
Debt€184k
of which ≤ 1y€184k
of which > 1y-
Working capital€-149k
Employees (FTE)-
Ratios (computed)
2024
Current ratio0.19
Quick ratio0.19
Working capital ratio-95.7%
Solvency-18.5%
Debt / equity-6.39
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA-19.2%
ROE103.5%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€155k
Fixed assets 21/28€120k
Tangible fixed assets 22/27€120k
Financial fixed assets 28€2
Current assets 29/58€35k
Amounts receivable within one year 40/41€1k
Cash & bank 54/58€34k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€155k
Equity 10/15€-29k
Contributions / capital 10/11€1k
Accumulated profits (losses) 14€-30k
Amounts payable 17/49€184k
Amounts payable within one year 42/48€184k
Trade debts payable within one year 44€132k
Income statement
Gross operating margin 9900€-28k
Operating result 9901€-29k
Financial income 75€3
Financial charges 65€574
Result before taxes 9903€-30k
Net result for the period 9904€-30k
Result to be appropriated 9905€-30k
Ratios computed by Checked.

Health barometer

FY 2024 · computed
20 / 100 Critical
050100
Computed from 3 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

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Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Directors

Directors & mandates

6 directors
Current directors & mandates
  • Fuse Finance SàrlLegal entity
    Director· perm. rep.: Damien Rensonnet
    State Gazette act 25095196 (25-07-2025)
    Current
    01-01-2025 → present
  • Luc Leroi SàrlLegal entity
    Director· perm. rep.: Luc Leroi
    State Gazette act 25095196 (25-07-2025)
    Current
    01-01-2025 → present
  • ABERTON SRLLegal entity
    Director· perm. rep.: ABERTON SRL
    State Gazette act 24105858 (15-07-2024)
    Current
    01-06-2024 → present
Former directors (3)
  • Damien Rensonnet
    Director
    State Gazette act 25095196 (25-07-2025)
    Former
    - → 01-01-2025
  • Luc Leroi
    Director
    State Gazette act 25095196 (25-07-2025)
    Former
    - → 01-01-2025
  • AN&MO SRLLegal entity
    Director
    State Gazette act 24105858 (15-07-2024)
    Former
    - → 01-06-2024
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.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary Activiteiten van hoofdkantoren(70100)
Legal form Private limited company(610)
Incorporation18-07-2023
StatusActive
Postal code1000

Structure & network

Locations & real estate

Registered office

on the map · from the address register
Brussel exact location from the address register
256 companies at this address See who is registered here

Establishment units

1 location
FinDvp
Kantersteen 47, 1000 BrusselActiviteiten van hoofdkantoren
since 20232.347.616.962
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area6,828 m²
Buildings1
Building footprint7,874 m²
Volume (LiDAR)179,427 m³
Tallest building44.7 m · ±8 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

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.
21804D0900/00E002
ProtectedMonumentRavensteingalerijSource ↗
 Brussels 6,828 m² 1 · 7,874 m² 44.7 m · 8 fl.
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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

3 acts
All acts · 3 updated 1 year ago
2025
25-07-2025 5 directors appointed, 2 resigning Director changes
  • Luc Leroi, Bestuurder
  • Damien Rensonnet, Bestuurder
  • Celeste Valenzuela, Delegé
  • Zoé STENUIT, Delegé
  • Thijs SIMOENS, Delegé
  • Luc Leroi, Bestuurder
  • Damien Rensonnet, Bestuurder
2024
15-07-2024 3 directors appointed, 1 resigning Director changes
  • ABERTON SRL, Bestuurder
  • Celeste Valenzuela, Gedelegeerd bestuurder
  • Carole Hensmans, Gedelegeerd bestuurder
  • AN&MO SRL, Bestuurder
05-02-2024 7 directors appointed Director changes
  • AN&MO SRL, Commissaris
  • Revron SRL, Commissaris
  • Florent VOLCKAERT, Gedelegeerd bestuurder
  • Anass ARBAGE, Gedelegeerd bestuurder
  • Carole HENSMANS, Gedelegeerd bestuurder
  • Marcos LAMIN-BUSSCHOTS, Gedelegeerd bestuurder
  • Stibbe SRL, Gedelegeerd bestuurder

Analysis

Snowflake analysis

financial profile on 5 axes
Health20Profitability100Solvency33Growth-Stability79
58 / 100

Mixed profile: strong on profitability, weaker on health.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 20
Profitability 100
Solvency 33
Growth -
Stability 79

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Credit advice

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

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Company registry

Company registry (CBE)

Crossroads Bank
Activities
Activiteiten van hoofdkantoren70100Activiteiten van hoofdkantoren70100Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220
Primary activity highlighted.
Names & trade names
Legal nameFR FinDvp
Registered office
Kantersteen 47
1000 Brussel, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.