FAVIMO
ActiveFAVIMO has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.18M and a net result of €12k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 38% of 13933 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability5▲+2
Solvency10▼-9
Growth58=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days only on tighter terms
Liquidity short (current ratio 0.49 against 0.69 in 2024), and 84.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
15.5%
Return on assets
0.2%
Age of the figures
18 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Filed more than 90 days late
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 05-05-2026, 186 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 9 filingsDeviation from the deadline
2025
186 d late
2024
25 d late
2022
42 d late
2021
451 d late
2020
816 d late
2018
36 d early
2017
205 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close16-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.18M▲ 1.0%
2024 · €1.17M
2020: €1.28M
2021: €1.12M
2022: €1.32M
2024: €1.17M
2020 → 2025
Total assets
€7.62M▲ 33.0%
2024 · €5.73M
2020: €2.54M
2021: €2.75M
2022: €2.67M
2024: €5.73M
2020 → 2025
Net result
€12k▲ 91.7%
2024 · €6k
2020: €2k
2021: €7k
2022: €21k
2024: €6k
2020 → 2025
Working capital
€-1.07M▼ 154%
2024 · €-421k
2020: €-63k
2021: €-215k
2022: €57k
2024: €-421k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220242025Trend
Equity€1.28M-€1.12M▼ 12.6%€1.32M▲ 18.4%€1.17M▼ 11.7%€1.18M▲ 1.0%
Operating result€23k-€27k▲ 18.7%€53k▲ 94.7%€63k▲ 19.2%€153k▲ 144%
Net result€2k-€7k▲ 185%€21k▲ 207%€6k▼ 69.9%€12k▲ 91.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 144% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €7.62M
Fixed assets
€6.59M▲ 37.0%
Current assets
€1.03M▲ 12.4%
Equity and liabilities €7.62M
Equity
€1.18M▲ 1.0%
Debt
€6.44M▲ 41.2%
The debt ratio rises from 79.6% to 84.5%: debt grows faster than equity.
Key figures and ratios
EBITDA
€290k▲
2024 · €136k
Cash flow
€150k▲
2024 · €80k
Solvency
15.5%▼
2024 · 20.4%
Current ratio
0.49▼
2024 · 0.69
Quick ratio
0.49▼
2024 · 0.68
Debt / equity
5.46▲
2024 · 3.90
ROE
1.0%▲
2024 · 0.5%
ROA
0.2%▲
2024 · 0.1%
Interest coverage
2.11▼
2024 · 2.69
Debt
€6.44M▲
2024 · €4.56M
Debt ≤ 1 year
€2.10M▲
2024 · €1.34M
Debt > 1 year
€4.30M▲
2024 · €3.08M
Income taxes
€4k▼
2024 · €6k
Staff costs
€104k▲
2024 · €216
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€5.73M€7.62M▲
Fixed assets21/28€4.81M€6.59M▲
Tangible fixed assets22/27€4.81M€6.59M▲
Land and buildings22€4.57M€6.58M▲
Furniture and vehicles24€5k€4k▼
Assets under construction and advance payments27€235k€2k▼
Financial fixed assets28€1k€1k=
Current assets29/58€920k€1.03M▲
Stocks and contracts in progress3€10k-
Stocks30/36€10k-
Amounts receivable within one year40/41€215k€201k▼
Trade receivables40€37k€29k▼
Other amounts receivable41€178k€172k▼
Cash at bank and in hand54/58€689k€630k▼
Deferred charges and accrued income490/1€6k€203k▲
Equity and liabilities
Total equity and liabilities10/49€5.73M€7.62M▲
Equity10/15€1.17M€1.18M▲
Contributions10/11€172k€172k=
Revaluation surpluses12€791k€763k▼
Reserves13€164k€192k▲
Non-distributable reserves130/1€139k€167k▲
Reserves not available under the articles1311€139k€167k▲
Distributable reserves133€25k€25k=
Profit (loss) carried forward14€42k€55k▲
Amounts payable17/49€4.56M€6.44M▲
Amounts payable after more than one year17€3.08M€4.30M▲
Financial debts170/4€3.04M€4.27M▲
Other amounts payable178/9€41k€28k▼
Amounts payable within one year42/48€1.34M€2.10M▲
Current portion of amounts payable after more than one year42€116k€576k▲
Financial debts43-€702
Credit institutions430/8-€702
Trade debts44€369k€702k▲
Suppliers440/4€369k€702k▲
Taxes, remuneration and social security45€10k€35k▲
Taxes450/3€10k€19k▲
Remuneration and social security454/9-€16k
Other amounts payable47/48€846k€791k▼
Accrued charges and deferred income492/3€138k€40k▼
Income statement
Code20242025
Remuneration, social security and pensions62€216€104k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€74k€137k▲
Other operating charges640/8€49k€37k▼
Gross operating margin9900€185k€432k▲
Operating profit (loss)9901€63k€153k▲
Financial income75/76B€2€703▲
Recurring financial income75€2€703▲
Financial charges65/66B€51k€138k▲
Recurring financial charges65€51k€138k▲
Profit (loss) for the period before taxes9903€12k€16k▲
Income taxes67/77€6k€4k▼
Profit (loss) for the period9904€6k€12k▲
Profit (loss) for the period to be appropriated9905€6k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€42k€55k▲
Profit (loss) brought forward from the previous period14P€36k€42k▲
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
04-08
State Gazette act
Registered officeGeneral meeting · Registered-office move2 facts ▸
State Gazette act
Registered office
General meeting · Registered-office move2 facts ▸
- General meeting, 22 juillet 2026
- Registered-office move, Avenue du Centenaire, 313-à 4102 Ougrée
05-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 186 days late
2024
25-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2023
25-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 451 days late
25-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 816 days late
2022
12-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 42 days late
31-03
Financial
Highest result since 2020net €21k ▲207%
Net result €21k, the highest in the series.
31-03
Financial
Liquidity times 5current ratio 1.56
Current ratio from 0.33 to 1.56; short-term debt falls from €322k to €101k.
2018
25-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
24-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 205 days late
2016
31-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2015
29-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
10 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Seraing · 1 establishment unit since 2012
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.
Avenue du Centenaire 3134102 SeraingGround area
6,372 m²
Building footprint
367 m²
Volume, LiDAR
545 m³
2 parcels, Wallonia · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
FAVIMO
since 20122.312.079.033
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62315G0213/00C005 | Wallonia | 5,978 m² | 1 · 305 m² | - |
| 62343C0009/00F008 | Wallonia | 394 m² | 1 · 62 m² | 10.3 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
984500K96DDABB560D77
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Of 9,095 companies in sector 68201 we hold annual accounts for 6,729. 4,711 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-01-2012
Fiscal year end31-03
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
68310Real estate agency activities
68311Real estate activities
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:PEREZ@HABITATCONSTRUCTION.BE
Phone:0476639870