Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
-
Two loss years in a row NBB
Negative result in 2023 and 2024.
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Tight liquidity NBB
Cash and receivables cover 9 % of short-term debt in 2024; threshold 65 %.
Financials
Financial year 2024
FINOVERCO from Oostende, company number BE0553495856, closed financial year 2024 with a result of € -22,218 after tax. For that financial year FINOVERCO recorded a gross margin of € 5,201 and equity of € -176,039. Compared with financial year 2023, the result moved from € -22,983 to € -22,218. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on September 29, 2025.
€ -176,039
▼ € 22,218 vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -22,218
▲ 3 % less loss than in 2023
Profit after tax over the fiscal year.
€ 17,277
▲ 211% vs 2023
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -196,039.
People and assets in 2024
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 6,911
▼ 31% vs 2023
Book value of vehicles, furniture and equipment.
Debts at end 2024
€ 70,159
▼ 7% vs 2023
€ 50,286 is repaid this year. At this pace the long-term loan is gone in ≈ 1 years.
€ 449
▼ 98% vs 2023
Supplier invoices still open on the last day of the fiscal year.
€ 1,350
▼ 34% vs 2023
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2021 | 2022 | 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|---|---|
| Gross margin | € -13,213 | € 15,761 | € 5,656 | € 5,201 | ▼ 8% |
| Profit after taxes | € -28,347 | € -12,653 | € -22,983 | € -22,218 | ▲ € 765 |
| Equity | € -118,185 | € -130,839 | € -153,821 | € -176,039 | ▼ € 22,218 |
| Total debts | € 267,984 | € 452,478 | € 470,996 | € 502,335 | ▲ 7% |
| Cash | € 6,852 | € 4,197 | € 5,561 | € 17,277 | ▲ 211% |
| Land & buildings | € 94,238 | € 272,647 | € 274,688 | € 227,331 | ▼ 17% |
| Retained profit | € -138,185 | € -150,839 | € -173,821 | € -196,039 | ▼ € 22,218 |
| Bank debt | € 86,249 | € 81,019 | € 75,138 | € 70,159 | ▼ 7% |
| Balance sheet total | € 149,799 | € 321,639 | € 317,175 | € 326,296 | ▲ 3% |
Key figures of FINOVERCO, fiscal years 2021 to 2024, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2025 has not been filed yet; it was expected before 31 July 2026.
What happened to FINOVERCO?
What happened at FINOVERCO in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2024: loss of € 22,218. filed late Source: NBB ↗
- Guido EMMANEEL became a director. NBB
- New establishment in Tielt. KBO
- Start of the company according to the CBE. KBO
In short
From € 28,347 loss in 2021 to € 22,218 loss in 2024.
Paid € 221 in corporate taxes since 2021.
A new publication or filing at FINOVERCO? We notify you, reason included.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind FINOVERCO is Guido EMMANEEL. Guido EMMANEEL is also behind GNW IMMO and VERBAFIM.
Establishments
Establishment units
Physical locations of this company
Elisabethlaan 1
8400 Oostende
Aarselestraat 48
8700 Tielt
Active since 15 September 2014
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Hosting & Email
Email provider
Microsoft 365
Hosting
COMBELL-AS, BE
Website info
Features
Security
Network
Details
- Company number
- 0553.495.856
- VAT number
- BE 0553.495.856
- Registered office
- Elisabethlaan 1, 8400 Oostende
- Names & denominations
- FINOVERCO
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 28 May 2014
- Peppol
- Active · Active since 16 Dec 2025
- Contact
- groupinduver.be
- Activities · NACE
Bemiddeling in verband met exploitatie van en handel in onroerend goed
Bemiddeling bij de aankoop, verkoop en verhuur van onroerend goed voor een vast bedrag of op contractbasis
Activiteiten van gemengde verzekeringsondernemingen, overwegend niet-leven
Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen
Overige zakelijke dienstverlening, neg