Summary
Finterior is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2026 annual accounts show equity of €2.1m and a net result of €144,925. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 26% of 47 sector peers (fiscal year 2026). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
What stands out
Overview
0 of 8 deeds readAccounts 58 d earlyFinancial institution: outside the modelProbability: sector outside the model
Signals+ Growing equityLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
Two signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2024 and did not fall compared with 2025. These amounts do not establish the cause of the change.
NBB · annual accounts 2026Equity per financial year
1819202123242526
2018 to 2026 · latest year €2.1m
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 03-09-2026, 58 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
58 d early
2025
51 d early
2024
34 d early
2023
20 d early
2021
61 d late
2020
31 d late
2019
91 d late
← 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 3 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today. Usually files around 19 September (4 of the last 4 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-03-2027 close31-10-2027 deadline
- Annual accounts filedfiscal year 2026 · full…
- Equity above €2mEq €2.1m ▲7.3%
- Annual accounts filedfiscal year 2025 · full…
Financials
Fiscal year 2026Turnover €726,000Profit €144,925Solvency 46.2%Liquidity 0.40
Turnover
€726,000=
2018 - 2026
Net result
€144,925▼ 34.0%
2018 - 2026
Equity
€2.1m▲ 7.3%
2018 - 2026
Staff (FTE)
0▼ 100%
2018 - 2024
Financials · fiscal year 2026, full schema
Trend over the years
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212023202420252026
Turnover€0.5m▼ 19.8%€0.6m-€0.7m▲ 19.5%€0.7m=€0.7m=
Operating result€0.2m▼ 18.2%€0.2m-€0.3m▲ 76.1%€0.4m▲ 13.5%€0.3m▼ 25.8%
Net result€0.3mwithin the sector's middle half▼ 6.3%€0.6mwithin the sector's middle half-€0.2mwithin the sector's middle half▼ 69.6%€0.2mwithin the sector's middle half▲ 16.1%€0.1m▼ 34.0%
Equity€2.8mwithin the sector's middle half▲ 12.0%€1.6mwithin the sector's middle half-€1.8mwithin the sector's middle half▲ 12.0%€2.0mwithin the sector's middle half▲ 12.5%€2.1m▲ 7.3%
Total assets€4.3mwithin the sector's middle half▲ 8.6%€4.3mwithin the sector's middle half-€4.3mwithin the sector's middle half▲ 1.1%€4.3mwithin the sector's middle half▼ 0.9%€4.6m▲ 7.4%
Debt€1.5m▲ 2.9%€2.7m-€2.6m▼ 5.2%€2.3m▼ 10.1%€2.5m▲ 7.4%
Working capital-€0.4mwithin the sector's middle half▼ 43.5%-€1.9mbelow the sector's middle half--€1.9mbelow the sector's middle half▲ 1.9%-€1.6mbelow the sector's middle half▲ 15.0%-€1.5m▲ 8.9%
Solvency65.1%within the sector's middle half▲ 2.0pp36.7%within the sector's middle half-40.7%within the sector's middle half▲ 4.0pp46.2%within the sector's middle half▲ 5.5pp46.2%=
Current ratio0.59within the sector's middle half▲ 0.140.24below the sector's middle half-0.26below the sector's middle half▲ 0.020.30below the sector's middle half▲ 0.040.40▲ 0.11
Return on assets (ROA)7.0%within the sector's middle half▼ 1.1pp14.5%above the sector's middle half-4.4%within the sector's middle half▼ 10.2pp5.1%within the sector's middle half▲ 0.7pp3.1%▼ 2.0pp
Staff (FTE)1below the sector's middle half=0.3below the sector's middle half-0below the sector's middle half▼ 100%
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Why a figure moved sharply
- 2024 Net result -70% on 2023. The previous fiscal year ran 15 months, this one 12.
Result and balance sheet
Result per fiscal year
Operating resultNet result
The operating result falls in 2026; 2026 is 26% below 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €4.6m
Fixed assets
€3.6m =
Current assets
€1.0m ▲ 45.8%
Equity and liabilities €4.6m
Equity
€2.1m ▲ 7.3%
Debt
€2.5m ▲ 7.4%
Debt's share of the balance-sheet total stays at 53.8%.
Key figures and ratios
Key figures and ratios
ROE
6.8%▼
2025 · 11.1%
Debt ≤ 1 year
€2.5m▲
2025 · €2.3m
Income taxes
€48,515▼
2025 · €73,176
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts
Annual accounts
| Line | 2021 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Operating income70/76A | €487,660 | €607,500 | €726,000 | €730,500 | €742,000 | ▲ 1.6% |
| Turnover70 | €486,000 | €607,500 | €726,000 | €726,000 | €726,000 | = |
| Other operating income74 | €1,660 | €0 | - | €4,500 | €16,000 | ▲ 256% |
| Operating charges60/66A | €336,408 | €430,921 | €415,012 | €377,527 | €480,081 | ▲ 27.2% |
| Services and other goods61 | €244,074 | €398,256 | €413,937 | €376,433 | €478,955 | ▲ 27.2% |
| Remuneration, social security and pensions62 | €86,706 | €31,685 | €0 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,620 | €0 | - | - | - | - |
| Other operating charges640/8 | €1,411 | €980 | €1,075 | €1,094 | €1,126 | ▲ 3.0% |
| Non-recurring operating charges66A | €2,597 | €0 | - | - | - | - |
| Operating profit (loss)9901 | €151,252 | €176,579 | €310,988 | €352,973 | €261,919 | ▼ 25.8% |
| Financial income75/76B | €200,000 | €529,944 | €3,897 | €338 | €0 | ▼ 100% |
| Recurring financial income75 | €200,000 | €529,944 | €3,897 | €338 | €0 | ▼ 100% |
| Income from financial fixed assets750 | €200,000 | €529,944 | €0 | - | - | - |
| Income from current assets751 | - | - | €3,074 | €338 | €0 | ▼ 100% |
| Other financial income752/9 | - | - | €823 | €0 | - | - |
| Financial charges65/66B | €15,718 | €47,984 | €62,645 | €60,450 | €68,479 | ▲ 13.3% |
| Recurring financial charges65 | €15,718 | €32,981 | €62,645 | €60,450 | €68,479 | ▲ 13.3% |
| Debt charges650 | €15,140 | €26,852 | €60,927 | €58,879 | €66,629 | ▲ 13.2% |
| Other financial charges652/9 | €577 | €6,128 | €1,718 | €1,572 | €1,850 | ▲ 17.7% |
| Non-recurring financial charges66B | - | €15,003 | €0 | - | - | - |
| Profit (loss) for the period before taxes9903 | €335,535 | €658,539 | €252,240 | €292,861 | €193,440 | ▼ 33.9% |
| Income taxes67/77 | €34,209 | €36,500 | €63,023 | €73,176 | €48,515 | ▼ 33.7% |
| Taxes670/3 | €34,209 | €36,500 | €63,023 | €73,176 | €48,515 | ▼ 33.7% |
| Profit (loss) for the period9904 | €301,326 | €622,039 | €189,217 | €219,684 | €144,925 | ▼ 34.0% |
| Profit (loss) for the period to be appropriated9905 | €301,326 | €622,039 | €189,217 | €219,684 | €144,925 | ▼ 34.0% |
| Line | 2021 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €4.3m | €4.3m | €4.3m | €4.3m | €4.6m | ▲ 7.4% |
| Fixed assets21/28 | €3.8m | €3.7m | €3.7m | €3.6m | €3.6m | = |
| Financial fixed assets28 | €3.8m | €3.7m | €3.7m | €3.6m | €3.6m | = |
| Affiliated companies280/1 | €3.8m | €3.7m | €3.7m | €3.6m | €3.6m | = |
| Participating interests280 | €3.8m | €3.6m | €3.6m | €3.6m | €3.6m | = |
| Amounts receivable281 | - | €0.08m | €0.07m | €0 | - | - |
| Current assets29/58 | €0.6m | €0.6m | €0.7m | €0.7m | €1.0m | ▲ 45.8% |
| Stocks and contracts in progress3 | - | €0 | €0 | €0 | €0 | - |
| Amounts receivable within one year40/41 | €0.1m | €0.2m | €0.2m | €0.2m | €0.6m | ▲ 183% |
| Trade receivables40 | €0.01m | €0.04m | €0.08m | €0.2m | €0.5m | ▲ 178% |
| Other amounts receivable41 | €0.1m | €0.1m | €0.1m | €0.03m | €0.09m | ▲ 215% |
| Current investments50/53 | €0.4m | €0.4m | €0.4m | €0.4m | €0.4m | = |
| Own shares50 | €0.4m | €0.4m | €0.4m | €0.4m | €0.4m | = |
| Cash at bank and in hand54/58 | €0.05m | €0.02m | €0.06m | €0.08m | €0.01m | ▼ 84.5% |
| Deferred charges and accrued income490/1 | €226 | €0.001m | €0 | - | €97 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €4.3m | €4.3m | €4.3m | €4.3m | €4.6m | ▲ 7.4% |
| Equity10/15 | €2.8m | €1.6m | €1.8m | €2.0m | €2.1m | ▲ 7.3% |
| Contributions10/11 | €0.5m | €0.5m | €0.5m | €0.5m | €0.5m | = |
| Capital10 | €0.5m | €0.5m | €0.5m | €0.5m | €0.5m | = |
| Issued capital100 | €0.5m | €0.5m | €0.5m | €0.5m | €0.5m | = |
| Reserves13 | €0.5m | €0.5m | €1.3m | €1.5m | €1.6m | ▲ 9.8% |
| Non-distributable reserves130/1 | €0.5m | €0.5m | €0.5m | €0.5m | €0.5m | = |
| Legal reserve130 | €0.05m | €0.05m | €0.05m | €0.05m | €0.05m | = |
| Own shares acquired1312 | €0.4m | €0.4m | €0.4m | €0.4m | €0.4m | = |
| Distributable reserves133 | - | - | €0.8m | €1.0m | €1.2m | ▲ 14.1% |
| Profit (loss) carried forward14 | €1.9m | €0.6m | €0 | - | - | - |
| Amounts payable17/49 | €1.5m | €2.7m | €2.6m | €2.3m | €2.5m | ▲ 7.4% |
| Amounts payable after more than one year17 | €0.5m | €0.2m | €0 | - | - | - |
| Financial debts170/4 | €0.5m | €0.2m | €0 | - | - | - |
| Credit institutions173 | €0.1m | €0 | - | - | - | - |
| Other loans174 | €0.4m | €0.2m | €0 | - | - | - |
| Amounts payable within one year42/48 | €1.0m | €2.5m | €2.6m | €2.3m | €2.5m | ▲ 7.4% |
| Current portion of amounts payable after more than one year42 | €0.4m | €0.2m | €0.2m | €0 | - | - |
| Financial debts43 | - | €0.05m | €0 | - | - | - |
| Credit institutions430/8 | - | €0.05m | €0 | - | - | - |
| Trade debts44 | €0.08m | €0.04m | €0.09m | €0.04m | €0.1m | ▲ 173% |
| Suppliers440/4 | €0.08m | €0.04m | €0.09m | €0.04m | €0.1m | ▲ 173% |
| Taxes, remuneration and social security45 | €0.01m | €0.007m | €0 | €0.01m | €0 | ▼ 100% |
| Taxes450/3 | - | €0.007m | €0 | €0.01m | €0 | ▼ 100% |
| Remuneration and social security454/9 | €0.01m | €0 | - | - | - | - |
| Other amounts payable47/48 | €0.4m | €2.2m | €2.3m | €2.3m | €2.4m | ▲ 5.1% |
| Accrued charges and deferred income492/3 | - | €212 | €138 | €0 | - | - |
| Line | 2021 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €301,326 | €622,039 | €189,217 | €219,684 | €144,925 | ▼ 34.0% |
| + Depreciation and write-downs630 | €1,620 | €0 | - | - | - | - |
| Operating cash flow (approximation) | €302,946 | €622,039 | €189,217 | €219,684 | €144,925 | ▼ 34.0% |
| Investment in fixed assets (approximation) | - | - | €15,346 | €65,644 | €0 | ▼ 100% |
| Change in cash | - | - | €37,638 | €22,786 | -€67,044 | ▼ 394% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
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BUILDINGS 21
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Of 24,721 companies in this sector we hold annual accounts for 19,804. 10,754 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Board & ownership
Parent Coelembier Holding · 90%2 holdings
Directors
Directors
No directors read yet: 0 of 8 Gazette acts processed. See the function holders in the CBE →
Structure & network
Owners and holdings
1 owner · 2 holdingsChain of control
- Coelembier Holding
- Finterior
Highest known parent: Coelembier Holding. The sources do not say who stands above it.
Owners 1
-
90%
Holdings 2
-
100%
- COELEMBIER & COsubsidiaryEquity €1.0mResult €77,960100%
According to the annual accounts to 31-03-2026 of Finterior and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No directors read yet: 0 of 8 Gazette acts processed.
Timeline
14 eventsLatest 03-09-2026Next filing 31-10-2027
History
Acts, filings and financial milestones
Next filing, fiscal year 2027, expected by
2026
03-09
NBB filing
Annual accounts filed
fiscal year 2026 · full schema
31-03
Financial
Equity above €2mEq €2.1m ▲7.3%
7 profitable years in a row build equity to €2.1m.
2025
10-09
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2024
27-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2023
11-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
31-03
Financial
Highest result since 2018net €622,039 ▲106%
Net result €622,039, the highest in the series.
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 61 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 91 days late
2019
31-12
Financial
Back to profitnet €293,131
Net result €293,131 after one loss-making year.
31-12
Financial
Equity above €2mEq €2.2m ▲15.4%
Equity rises from €1.9m to €2.2m.
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 61 days late
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
We know of 8 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Company details
Public limited company · founded 11-02-2014Year ends 31-03Peppol reachable1 site
Register details
Identification
Legal formPublic limited company
Founded11-02-2014
Fiscal year end31-03
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0545974297
Registered
15-09-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Kuurne · 1 establishment unit since 2014
Ground area
8,456 m²
Building footprint
4,171 m²
Volume, LiDAR
26,250 m³
Parcel 34023A0444/00F000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Finterior
since 2014unit no. 2.229.187.781
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34023A0444/00F000 | Flanders | 8,455 m² | 1 · 4,171 m² | 9.3 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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