Summary
FAIMIBIS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €437k and a net result of €61k. Equity is growing by ~22.7% per year across the filed fiscal years. Its solvency ranks better than 27% of 2777 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 13-09-2025, 44 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
44 d late
2023
61 d late
2022
31 d late
2021
119 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, full schema
Equity
€437k▲ 16.2%
2023 · €376k
2021: €216k
2022: €285k
2023: €376k
2021 → 2024
Net result
€61k▼ 33.7%
2023 · €92k
2021: €66k
2022: €69k
2023: €92k
2021 → 2024
Total assets
€1.44M▼ 1.1%
2023 · €1.46M
2021: €1.51M
2022: €1.50M
2023: €1.46M
2021 → 2024
Solvency
30.3%▲ 4.5pp
2023 · 25.8%
2021: 14.3%
2022: 19.0%
2023: 25.8%
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Turnover€213k-€226k▲ 6.1%€263k▲ 16.0%€273k▲ 3.8%
Equity€216k-€285k▲ 31.9%€376k▲ 32.2%€437k▲ 16.2%
Operating result€100k-€107k▲ 7.2%€134k▲ 24.9%€105k▼ 21.6%
Net result€66k-€69k▲ 4.5%€92k▲ 33.3%€61k▼ 33.7%
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 22% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.44M
Fixed assets
€1.40M =
Current assets
€41k ▼ 28.4%
Equity and liabilities €1.44M
Equity
€437k ▲ 16.2%
Debt
€1.00M ▼ 7.1%
Debt's share of the balance-sheet total falls from 74.2% to 69.7%. Equity is higher and debt is lower.
Key figures and ratios
ROE
13.9%▼
2023 · 24.4%
ROA
4.2%▼
2023 · 6.3%
Debt ≤ 1 year
€268k▲
2023 · €204k
Debt > 1 year
€719k▼
2023 · €872k
Income taxes
€24k▼
2023 · €26k
Staff costs
€44k▲
2023 · €6k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 54 lines
Balance sheet
Code20232024
Assets
Total assets20/58€1.46M€1.44M▼
Fixed assets21/28€1.40M€1.40M=
Financial fixed assets28€1.40M€1.40M=
Current assets29/58€58k€41k▼
Amounts receivable within one year40/41€36k€24k▼
Trade receivables40€30k€21k▼
Other amounts receivable41€6k€3k▼
Cash at bank and in hand54/58€21k€9k▼
Deferred charges and accrued income490/1€207€9k▲
Equity and liabilities
Total equity and liabilities10/49€1.46M€1.44M▼
Equity10/15€376k€437k▲
Contributions10/11€150k€150k=
Capital10€150k€150k=
Issued capital100€150k€150k=
Reserves13€15k€49k▲
Non-distributable reserves130/1€15k€15k=
Legal reserve130€15k€15k=
Tax-exempt reserves132-€20k
Distributable reserves133-€13k
Profit (loss) carried forward14€211k€238k▲
Amounts payable17/49€1.08M€1.00M▼
Amounts payable after more than one year17€872k€719k▼
Financial debts170/4€722k€584k▼
Other amounts payable178/9€150k€135k▼
Amounts payable within one year42/48€204k€268k▲
Current portion of amounts payable after more than one year42€138k€138k=
Trade debts44€7k€19k▲
Suppliers440/4€7k€19k▲
Taxes, remuneration and social security45€59k€48k▼
Taxes450/3€59k€40k▼
Remuneration and social security454/9-€8k
Other amounts payable47/48-€64k
Accrued charges and deferred income492/3€6k€18k▲
Income statement
Code20232024
Turnover70€263k€273k▲
Goods, raw materials, services and sundry goods60/61€131k€132k▲
Remuneration, social security and pensions62€6k€44k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€142k€152k▲
Operating profit (loss)9901€134k€105k▼
Financial income75/76B€8€86▲
Recurring financial income75€8€86▲
Financial charges65/66B€16k€21k▲
Recurring financial charges65€16k€21k▲
Non-recurring financial charges66B€246-
Profit (loss) for the period before taxes9903€118k€84k▼
Income taxes67/77€26k€24k▼
Profit (loss) for the period9904€92k€61k▼
Transfer to tax-exempt reserves689-€20k
Profit (loss) for the period to be appropriated9905€92k€40k▼
Appropriation of the result
Profit (loss) to be appropriated9906€211k€252k▲
Profit (loss) brought forward from the previous period14P€120k€211k▲
Transfer to equity691/2-€13k
To other reserves6921-€13k
Social balance
Average headcount (FTE)9087-1.0
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
13-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 44 days late
2024
31-12
Financial
Weakest financial yearnet €61k ▼33.7%
Net result drops to €61k, the lowest in the series.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 61 days late
2023
31-12
Financial
Highest result since 2021net €92k ▲33.3%
Operating result €134k, net result €92k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
27-11
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 119 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Faimes · 1 establishment unit since 2021
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue de Huy(AIN) 274317 FaimesGround area
1.0 ha
Building footprint
1,613 m²
Parcel 64016A0309/00T002, Wallonia. Linked by address, not a title deed.
1 establishment unit
FAIMIBIS
since 20212.311.083.396
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64016A0309/00T002 | Wallonia | 1.0 ha | 1 · 1,613 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
DOKRIMO
BE 0836.277.580
Brasschaat · Eq €436,835
ZEN2M
BE 0759.831.088
Mettet · Eq €437,141
AGAU
BE 0769.655.012
Sint-Martens-Latem · Eq €436,640
D-NIME
BE 0673.758.535
Bouillon · Eq €437,575
VELIA
BE 0835.152.875
Peer · Eq €437,577
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,705 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded04-12-2020
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.