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 1 of the last 1 fiscal years.
-
Tight liquidity NBB
Cash and receivables cover 53 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
FINe materials from Hove, company number BE1023742948, closed financial year 2025 with a result of € -33,129 after tax. For that financial year FINe materials recorded a gross margin of € -25,034 and equity of € -23,129. 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 August 27, 2026.
€ -23,129
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -33,129
Profit after tax over the fiscal year.
€ 2,029
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -33,129.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 35,191
Of which on lease € 34,218.
Debts at end 2025
€ 129,158
€ 7,114 is repaid this year. At this pace the long-term loan is gone in ≈ 15 years.
€ 13,399
Supplier invoices still open on the last day of the fiscal year.
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What happened to FINe materials?
What happened at FINe materials in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 33,129. filed late Source: NBB ↗
- New establishment in Hove. KBO
- Start of the company according to the CBE. KBO
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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 FINe materials is PIETER DE LAET.
Directors
According to the 2025 annual accounts
PIETER DE LAET
Director
Establishments
Establishment units
Physical locations of this company
Mechelsesteenweg 23
2540 Hove
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 1023.742.948
- VAT number
- BE 1023.742.948
- Registered office
- Mechelsesteenweg 23, 2540 Hove
- Names & denominations
- FINe materials
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 27 May 2025
- Peppol
- Active · Active since 8 Sept 2025
- Activities · NACE
Groothandel in overige bouwmaterialen
Groothandel in huismeubilair
Detailhandel in overige bouwmaterialen, neg
Detailhandel in huismeubilair