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FINOSA

Active Risk: not assessed
Public limited companyfounded 2010active for 16 yearsBosstraat 54, 3560 Lummen, BelgiumKBO/BCE: BE 0825.761.493
Summary

FINOSA is a financial institution. The bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €4.9m and a net result of €84,081. Equity has been stable since 2018 (±1.4% per year). Its solvency ranks better than 50% of 3,032 sector peers (NACE 64, financial year 2025). The company has been active since 2010 and the Belgian Official Gazette contains no insolvency or warning signals.

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FINOSAActive
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Overview

Official details

Source: KBO
Status
Active since 07-05-2010 Normal situation
Registered office
15 active companies are registered at this address 2 started in the 12 months before. Source: KBO register, as of 3 November 2026.
Activity
Activities of holding companies NACE 64210and 2 others
Establishment unit
2.189.286.931 3560 Lummen, since 07-05-2010
Financial year end
31 December
Peppol
Reachable since 21-10-2026
Company details

Board and ownership

Board
Shareholders
  • Rob Ruttenannual accounts 2017
  • Antoon Ruttenannual accounts 2017
  • Irene Schuurmansannual accounts 2017
Holdings
Shares in 2 companies Mezzo and R-PARK
Board & ownership

Financial position

Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
Profit
€84,081
▲ 54.2%
Equity
€4.9m
▲ 1.7%
Total assets
€8.0m
▲ 19.7%
Financials
SignalsneutralLatest accounts filed on timeShow the evidence

Checked score

Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months

The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.

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Signals

1 signal.
neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-07-2026, 11 days ahead of the deadline.
NBB · 9 filings
Deviation from the deadline
2025
11 days early
2024
36 days early
2023
6 days early
2022
42 days early
2021
2 days early
2020
3 days early
2019
28 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 10 days before the deadline. In the sector (NACE 64), the median for financial year 2024 was 14 days before the deadline, and 28% 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 20 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
03-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: 8th largest company by total assets in Lummen, Finance and insurance sectorin the Checked rankings No. 8 View
  • Positive: 8 profitable years in a rowprofit 2025: €84,081 8 years View
  • Positive: Filed on time since financial year 2020accounts within the deadline every year 6 years View

Recent changes

  1. · Gazette deed Appointment: Rob Rutten (managing director)
  2. · Gazette deed Company renamed from Rob Hold to FINOSARegistered office moved to Lummen · New seat: 3560 Lummen, Bosstraat 54 bus 1 · Reappointment: RUTTEN Rob Yvo (director)
  3. · Gazette deed 1 director appointed, 3 directors resigningResignations: Antoon Rutten, Irene Schuurmans and Rob Rutten · Appointment: Rob Rutten (director)
All 16 events

Comparable companies

These companies have the same main activity as FINOSA: activities of holding companies (NACE 64210). They are comparable in size and age: total assets between €6.4m and €8.4m, founded between 2008 and 2012.

CompanyTotal assetsGross margin
FINOSA Lummen€8.0m€0.05m
VERDUYN HOLDING Kortrijk€8.4m€0.05m
TROONPAD Grobbendonk€6.4m€0.05m
SC Projects Mechelen€7.4m€0.06m
Lambrecht Invest Wielsbeke€7.1m€0.05m
DE PELS Denderleeuw€7.7m€0.04m
AVALON & CO Kortrijk€6.5m€0.04m
Full comparison

Key facts about FINOSA
What is the company number of FINOSA?
The company number of FINOSA is 0825.761.493. The VAT number is the same number with BE in front: BE 0825.761.493.
Where is FINOSA based?
The registered office is at Bosstraat 54, 3560 Lummen.Company details
What does FINOSA do?
According to the KBO register, the main activity is activities of holding companies (NACE 64210).
What is the legal form of FINOSA?
The legal form of FINOSA is Public limited company (NV).
When was FINOSA founded?
FINOSA was founded on 07-05-2010.
Is FINOSA still active?
Yes, FINOSA is an active enterprise in the KBO register.
What is the turnover of FINOSA?
The turnover in financial year 2025 is ≈ €160,000. This figure is estimated from the gross margin of €45,031 and 1,225 comparable companies of the same size. It probably lies between €85,000 and €300,000. It is a rough estimate.Financials
Is FINOSA profitable?
In financial year 2025, FINOSA made a profit of €84,081.
Where can I find the annual accounts of FINOSA?
FINOSA filed 16 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of FINOSA due?
FINOSA must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

Next steps

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