Equity
€241,957 ▲ 5.7%
FC IMMO has made a profit without a break since 2022.
FC IMMO
Lifetime
19 annual accounts with figures on one time axis, 29 filings since 1997peak €191,109 (2022)
€100,763▲ 50.3%
lowest -€13,836 (2021)
€32,998▲ 230%
peak €241,957 (2025)
€241,957▲ 5.7%
€543,949▼ 6.2%
peak 0.8 FTE (2017)
-not published
Board2 names since 2023
2 directorsChristine Nalines and 1 other
Owners
Documentsfilings and deeds
28-01-20263 days before the deadline
2025micro format
Gross margin from €67,055 to €100,763Result from €10,005 to €32,998
Key points
from the 2025 annual accountsChecked score
94
Excellent
Financially stronger than 49% of micro companies without a NACE code
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.2%▲ +0.1 percentage points vs 12-2024highest value
02-2025: 0.1%▼ -0.1 percentage points vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025lowest value
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.2%▲ +0.1 percentage points vs 12-2025
02-2026: 0.1%▼ -0.1 percentage points vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Founded in 1995
Liquidity: current ratio 0.52, cash €20,328
lowers risk
Size: total assets €785,906
Figures for financial year 2025 (filed on 28-01-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro). It does better than 33% of them on solvency, 46% on liquidity, 56% on profitability and 62% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-06-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 14,766 companies had the same profile as FC IMMO has now. Each dot stands for 37 companies, two years later.
96.2%
were still trading
3.5%
stopped another way
0.2%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of FC IMMO itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 14,766 companies, not a prediction for FC IMMO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €22,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.52 (0.39 in 2024), below 1. Short-term debt is 11.5% and cash 2.6% of total assets. 69.2% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 28-01-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 days early
2024
1 day early
2023
on the day
2022
3 days early
2021
10 days early
2020
16 days early
2019
36 days early
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 7 accounts on average 10 days before the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 28 January (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end09-11-2026 today31-01-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0456824468
Appointment: JANOWSKI Frank (director)
JANOWSKI Frank is a shareholder · NALINES Christine is a shareholder · General meeting of 14-03-2024 · Gazette deed
Change of role: NALINES Christine Odette, from manager to director
Appointment: JANOWSKI Frank Jean (director) · NALINES Christine Odette holds 675 shares · JANOWSKI Frank Jean holds 75 shares · General meeting of 03-11-2023 · Gazette deed
First establishment
FC IMMO SPRL, Rue des Ateliers 151, Morlanwelz
Official details
Source: KBO- Status
- Active since 22-12-1995Normal situation
- Activity
- “La gérance de copropriétés ;” (deed in French)From the articles, 9 activitiesNo NACE code in the KBO yet
- Establishment unit
- 2.075.397.2517140 Morlanwelz, since 28-02-1996
- Financial year end
- 30 June
- Peppol
- Reachable since 07-01-2026
Annual accounts to 30-06-2025
- €785,906▼ 2.8%
- Filing
- Filed on 28-01-2026, 3 days before the end of the filing period
Insights on FC IMMO
FC IMMO files the micro format. That format states no turnover. The gross margin rose from €19,705 in 2007 to €100,763 in 2025.
The balance sheet grew most from 2021 to 2022 through fixed assets, financed with long-term debt.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about FC IMMO
- What is the company number of FC IMMO?
- The company number of FC IMMO is 0456.824.468. The VAT number is the same number with BE in front: BE 0456.824.468.
- Where is FC IMMO based?
- The registered office is at Rue des Ateliers 151, 7140 Morlanwelz.Company details
- What is the legal form of FC IMMO?
- FC IMMO is a private limited company (BV).
- When was FC IMMO founded?
- FC IMMO was founded on 22-12-1995.
- Is FC IMMO still active?
- Yes, FC IMMO is an active enterprise in the KBO register.
- How many employees does FC IMMO have?
- FC IMMO had an average of 0.1 full-time equivalents in financial year 2021, according to the filed annual accounts.Financials
- What is the turnover of FC IMMO?
- The turnover in financial year 2025 is ≈ €250,000. This figure is estimated from the gross margin of €100,763 and 2,205 comparable companies of the same size. It probably lies between €170,000 and €390,000. It is a rough estimate.
- Is FC IMMO profitable?
- In financial year 2025, FC IMMO made a profit of €32,998.
- Where can I find the annual accounts of FC IMMO?
- FC IMMO filed 29 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of FC IMMO due?
- FC IMMO must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
Next steps
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