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F.I.

Active
Private limited company (pre-2019)founded 2002active for 23 yearsAvenue du Progrès 21, 4432 Ans, BelgiumKBO/BCE: BE 0478.969.370
Summary

The computed 12-month bankruptcy probability of F.I. is 1.9% (moderate). The 2025 annual accounts show negative equity (-€25,254) and a net result of €13,229. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 14% of 3,165 sector peers (NACE 95, financial year 2025). The company has been active since 2002 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Activity
General maintenance and repair of cars and light vans (up to 3.5 tonnes)
NACE 95311
1 site
Size
€215,385total assets 2025
Equity
-€25,254
Profit
€13,229
Financial health
54 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
1.9%
Structure
Accounts filed 31 days late0 of 5 deeds read
Why 54raises riskLiquidity: current ratio 1.32Latest accounts 31 days late; 2 of the last 3 latelowers riskSize: total assets €215,385Founded in 2002Show the evidence

Checked score

Score 2025
54 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 43% of its sector peers (NACE 95, micro)
Financial strength · tick = 2024
Weak
Solvency 13+7
equity -11.7% of total assets
Liquidity 53+1
short-term debt 47.4%
Profitability 52+52
return on assets 6.1%
Bankruptcy probability, 12 months
1.9% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.5% (5,115 companies, NACE 95, micro)
Last 24 months 11-2024: 1.1% 12-2024: 1.1%● unchanged vs 11-2024 01-2025: 1.1%● unchanged vs 12-2024 02-2025: 1.1%● unchanged vs 01-2025 03-2025: 1.1%● unchanged vs 02-2025 04-2025: 1.1%● unchanged vs 03-2025 05-2025: 1.1%● unchanged vs 04-2025 06-2025: 1.1%● unchanged vs 05-2025lowest value 07-2025: 1.3%▲ +0.2 percentage points vs 06-2025 08-2025: 1.9%▲ +0.6 percentage points vs 07-2025 09-2025: 4.4%▲ +2.5 percentage points vs 08-2025 10-2025: 4.4%● unchanged vs 09-2025 11-2025: 4.4%● unchanged vs 10-2025 12-2025: 4.4%● unchanged vs 11-2025 01-2026: 4.4%● unchanged vs 12-2025 02-2026: 4.4%● unchanged vs 01-2026 03-2026: 4.4%● unchanged vs 02-2026 04-2026: 4.3%▼ -0.1 percentage points vs 03-2026 05-2026: 4.2%▼ -0.1 percentage points vs 04-2026 06-2026: 4.0%▼ -0.2 percentage points vs 05-2026 07-2026: 3.9%▼ -0.1 percentage points vs 06-2026 08-2026: 4.4%▲ +0.5 percentage points vs 07-2026highest value 09-2026: 1.9%▼ -2.5 percentage points vs 08-2026 10-2026: 1.9%● unchanged vs 09-2026
No credit on open account
Liquidity tight (current ratio 1.32, compared with 1.49 in 2024; short-term debt: 47.4% of total assets), and equity is negative.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 95, micro): better than 14% on solvency, 53% on liquidity, 29% on profitability and 78% on growth.

The bankruptcy probability was computed on 09-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
−lowers risk+raises risk○neutral
raises risk · Liquidity: current ratio 1.32
NBB · annual accounts
lowers risk · Size: total assets €215,385
The company's size counts in the probability; how much depends on the rest of its profile.
NBB · annual accounts
raises risk · Latest accounts 31 days late; 2 of the last 3 late
NBB · filings
lowers risk · Founded in 2002
How long the company has existed counts in the probability; how much depends on the rest of its profile.
KBO
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 3165 sector peers (2025).
NBB · sector comparison
Position among 3165 sector peers
Solvency
better than 14%
← weakest strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of Belgian companies file late, and of those that file 1 to 90 days late, 2.0% are now in a legal situation other than normal in the KBO (such as bankruptcy, liquidation or dissolution), against 1.66% of all filers. We show this as a fact and do not score it.
NBB · 10 filings
Deviation from the deadline
2025
31 days late
2024
31 days late
2023
30 days late
2022
31 days late
2021
29 days late
2020
134 days early
2019
3 days early
← 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 2 days after the deadline; the sector median (NACE 95) for financial year 2024 is 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 31 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
10-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Back to profitnet €13,229
  3. Annual accounts filedfinancial year 2024 · micro…

Key points

  • Risk: Negative equityfinancial year 2025: debts exceed assets -€25,254 View
  • Positive: Back in profit in 2025after -€46,539 in 2024 €13,229 View
  • Caution: Among the weakest 9% on equitysector median €46,349 · 3,170 companies -€25,254 View

By topic

Financials

Financial year
2025
Total assets
€215,385
Profit
€13,229
Solvency
-11.7%
Total assets▲ 4.1%
Net result
20182025
Go to Financials

Timeline

Events
26
Since
2004
Next accounts
by 31-07-2027
  1. 30-08-2024Annual accounts filed
  2. 31-12-2023Back to profit
  3. 31-08-2023Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company (pre-2019)
Activity
General maintenance and repair of cars and light…NACE 95311
Founded
09-12-2002
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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