Equity
€2.6m ▲ 5.0%
COMPAGNIE FONCIERE ET FINANCIERE has made a profit in every financial year since 2007.
COMPAGNIE FONCIERE ET FINANCIERE
Lifetime
17 annual accounts with figures on one time axis, 30 filings since 1994peak €1.7m (2018)
€874,480▲ 31.0%
peak €444,403 (2018)
€124,396▲ 120%
peak €2.6m (2025)
€2.6m▲ 5.0%
€4.9m▼ 8.1%
peak 7.7 FTE (2007)
3 FTE▲ 3.4%
Board3 names since 2009
3 directorsNathalie MAHIEU and 2 others
Documentsfilings and deeds
08-09-202639 days late
2025financial year
Gross margin from €667,503 to €874,480Result from €56,605 to €124,396Registered office moved within Celles 30-06Cash from €56,293 to €11,570
Key points
from the 2025 annual accountsResult
€124,396 ▲ 120%
The result rose in 2025 from €56,605 to €124,396.
Turnover
≈ €3.1m estimated
The accounts state no turnover.
Staff
3 FTE from 7.7 in 2007
Between 2007 and 2025, 61% of the full-time equivalents disappeared.
Filings
30 annual accounts since 1994
Nine of the last ten came late. The 2015 accounts came latest: 145 days after the end of the period.
Group
3 companies controlled
Heads a group.
Checked score
64
Healthy
Financially stronger than 40% of micro companies in retail trade (NACE 47)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
1.3% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,275 companies (NACE 47, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.8%
01-2025: 0.8%▼ -2.0 percentage points vs 12-2024lowest value
02-2025: 0.8%● unchanged vs 01-2025lowest value
03-2025: 0.9%▲ +0.1 percentage points vs 02-2025
04-2025: 0.9%● unchanged vs 03-2025
05-2025: 0.9%● unchanged vs 04-2025
06-2025: 0.9%● unchanged vs 05-2025
07-2025: 2.0%▲ +1.1 percentage points vs 06-2025
08-2025: 2.8%▲ +0.8 percentage points vs 07-2025
09-2025: 3.4%▲ +0.6 percentage points vs 08-2025
10-2025: 5.1%▲ +1.7 percentage points vs 09-2025highest value
11-2025: 1.2%▼ -3.9 percentage points vs 10-2025
12-2025: 1.1%▼ -0.1 percentage points vs 11-2025
01-2026: 1.1%● unchanged vs 12-2025
02-2026: 1.1%● unchanged vs 01-2026
03-2026: 1.0%▼ -0.1 percentage points vs 02-2026
04-2026: 1.1%▲ +0.1 percentage points vs 03-2026
05-2026: 1.2%▲ +0.1 percentage points vs 04-2026
06-2026: 1.3%▲ +0.1 percentage points vs 05-2026
07-2026: 1.3%● unchanged vs 06-2026
08-2026: 2.0%▲ +0.7 percentage points vs 07-2026
09-2026: 2.5%▲ +0.5 percentage points vs 08-2026
10-2026: 1.3%▼ -1.2 percentage points vs 09-2026
11-2026: 1.3%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Liquidity: current ratio 0.73, cash €11,570, halved
1 change of registered office in 24 months
Last filed accounts filed 39 days late; 3 of the last 3 accounts late
lowers risk
Founded in 1992
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 (NACE 47, micro). It does better than 49% of them on solvency, 25% on liquidity, 32% on profitability and 52% on growth.
The bankruptcy probability was computed on 09-11-2026 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 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% 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, 17,041 companies had the same profile as COMPAGNIE FONCIERE ET FINANCIERE has now. Each dot stands for 43 companies, two years later.
94.4%
were still trading
4.9%
stopped another way
0.5%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of COMPAGNIE FONCIERE ET FINANCIERE itself is higher: 1.3% within 12 months. It rests on far more data about COMPAGNIE FONCIERE ET FINANCIERE than the profile alone.
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 17,041 companies, not a prediction for COMPAGNIE FONCIERE ET FINANCIERE. 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 €160,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.73 (0.75 in 2024), below 1. Short-term debt is 46.5% and cash 0.1% of total assets. 66.3% 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 risk
raises risk · 2025 accounts filed 39 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-09-2026, 39 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
39 days late
2024
71 days late
2023
145 days late
2022
67 days late
2021
17 days late
2020
31 days late
2019
on the day
← 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 53 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% 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 10 October (4 of the last 5 accounts filed within 32 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0448902142
Registered office moved within Celles
New registered office: Rue des Ecoles 3-5, 7760 Celles (Velaines) · Previous registered office: Place de Velaines 13, 7760 Celles (Velaines) · Board meeting of 23-06-2025 · Gazette deed
Reappointment: Serge RANSART (managing director)
Board meeting of 29-09-2022 · Gazette deed
3 directors reappointed
Serge RANSART, Charles RANSART and Nathalie MAHIEU · Director discharge: Serge RANSART · Director discharge: Charles RANSART · General meeting of 29-09-2022 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| COMPAGNIE FONCIERE ET FINANCIERE Celles (lez-Tournai) | €7.7m | €0.9m | 33.7% | 3 |
| INLEC Brussels | €7.8m | €0.8m | 71.4% | 3 |
| Farmathé Menen | €7.4m | €0.6m | 89.2% | 2 |
| APOTHEEK LEROY Antwerp | €4.0m | €1.0m | 74.6% | 3.8 |
| Apotheek Lox Leuven | €5.3m | €0.5m | 69.5% | 4.4 |
| NERUM Heusden-Zolder | €6.5m | €1.3m | 88.3% | 5.4 |
| MAPEMA Lanaken | €6.3m | €0.7m | 2.5% | - |
These companies have the same main activity as COMPAGNIE FONCIERE ET FINANCIERE: retail sale of pharmaceutical products (NACE 47730). They are comparable in size and age: total assets between €4m and €7.8m, founded between 1981 and 2000.
Official details
Source: KBO- Status
- Active since 18-12-1992Normal situation
- Activity
- Retail sale of pharmaceutical productsNACE 47730and 1 other
- Establishment units
- 2.060.186.6617760 Celles (lez-Tournai), since 07-01-1993
- 2.193.237.7021070 Anderlecht, since 01-01-2008and 1 other
- Financial year end
- 31 December
- Peppol
- Reachable since 31-12-2025
Insights on COMPAGNIE FONCIERE ET FINANCIERE
COMPAGNIE FONCIERE ET FINANCIERE has existed since 1992. The gross margin fell from €1.7m in 2018 to €636,580 in 2019.
In February 2023, the Official Gazette published the appointment of Serge RANSART as managing director.
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 COMPAGNIE FONCIERE ET FINANCIERE
- What is the company number of COMPAGNIE FONCIERE ET FINANCIERE?
- The company number of COMPAGNIE FONCIERE ET FINANCIERE is 0448.902.142. The VAT number is the same number with BE in front: BE 0448.902.142.
- Where is COMPAGNIE FONCIERE ET FINANCIERE based?
- The registered office is at Rue des Ecoles 3-5, 7760 Celles (lez-Tournai).Company details
- What does COMPAGNIE FONCIERE ET FINANCIERE do?
- According to the KBO register, the main activity is retail sale of pharmaceutical products (NACE 47730).
- What is the legal form of COMPAGNIE FONCIERE ET FINANCIERE?
- COMPAGNIE FONCIERE ET FINANCIERE is a public limited company (NV).
- When was COMPAGNIE FONCIERE ET FINANCIERE founded?
- COMPAGNIE FONCIERE ET FINANCIERE was founded on 18-12-1992.
- Is COMPAGNIE FONCIERE ET FINANCIERE still active?
- Yes, COMPAGNIE FONCIERE ET FINANCIERE is an active enterprise in the KBO register.
- How many employees does COMPAGNIE FONCIERE ET FINANCIERE have?
- COMPAGNIE FONCIERE ET FINANCIERE had an average of 3 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of COMPAGNIE FONCIERE ET FINANCIERE?
- The turnover in financial year 2025 is ≈ €3.1m. This figure is estimated from the gross margin of €874,480 and 47 comparable companies (NACE 477). It probably lies between €2.4m and €4.9m.
- Is COMPAGNIE FONCIERE ET FINANCIERE profitable?
- In financial year 2025, COMPAGNIE FONCIERE ET FINANCIERE made a profit of €124,396.
- Where can I find the annual accounts of COMPAGNIE FONCIERE ET FINANCIERE?
- COMPAGNIE FONCIERE ET FINANCIERE filed 30 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of COMPAGNIE FONCIERE ET FINANCIERE due?
- COMPAGNIE FONCIERE ET FINANCIERE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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