FI-MO
ActiveFI-MO has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-1k) and a net result of €-5k. Its solvency ranks better than 17% of 13936 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
38
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability24▼-76
Solvency21▼-79
Growth32
Track record82
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.0 against 4.01 in 2024; short-term debt: 47.3% and cash: 0% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-3.6%
Return on assets
-17.4%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
2425
2024 to 2025 · latest year €-1k
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 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 · 2 filingsDeviation from the deadline
2025
31 d late
2024
60 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-1k
2024 · €4k
2024: €4k
2024 → 2025
Total assets
€30k▲ 444%
2024 · €5k
2024: €5k
2024 → 2025
Net result
€-5k
2024 · €2k
2024: €2k
2024 → 2025
Working capital
€-14k
2024 · €4k
2024: €4k
2024 → 2025
Multi-year overview
Available amounts per fiscal year
Line20242025Trend
Equity€4k-€-1k
Operating result€3k-€-4k
Net result€2k-€-5k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €4k after €3k in 2024.
Balance-sheet composition
Assets €30k
Fixed assets
€30k
Current assets
€5
Key figures and ratios
EBITDA
€3k
Cash flow
€2k
Solvency
-3.6%▼
2024 · 75.0%
Current ratio
0.00▼
2024 · 4.01
Quick ratio
0.00▼
2024 · 4.01
Debt / equity
-28.93▼
2024 · 0.33
ROA
-17.4%▼
2024 · 38.6%
Interest coverage
2.84
Debt
€31k▲
2024 · €1k
Debt ≤ 1 year
€14k▲
2024 · €1k
Debt > 1 year
€17k
Income taxes
€210▼
2024 · €530
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€5k€30k▲
Fixed assets21/28-€30k
Tangible fixed assets22/27-€30k
Leasing and similar rights25-€30k
Current assets29/58€5k€5▼
Cash at bank and in hand54/58€5k€5▼
Equity and liabilities
Total equity and liabilities10/49€5k€30k▲
Equity10/15€4k€-1k▼
Contributions10/11€2k€2k=
Profit (loss) carried forward14€2k€-3k▼
Amounts payable17/49€1k€31k▲
Amounts payable after more than one year17-€17k
Financial debts170/4-€17k
Amounts payable within one year42/48€1k€14k▲
Current portion of amounts payable after more than one year42-€8k
Trade debts44€840€840=
Suppliers440/4€840€840=
Taxes, remuneration and social security45€530€740▲
Taxes450/3€530€740▲
Other amounts payable47/48-€5k
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€1k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€7k
Other operating charges640/8-€6k
Gross operating margin9900€3k€9k▲
Operating profit (loss)9901€3k€-4k▼
Financial charges65/66B-€1k
Recurring financial charges65-€1k
Profit (loss) for the period before taxes9903€3k€-5k▼
Income taxes67/77€530€210▼
Profit (loss) for the period9904€2k€-5k▼
Profit (loss) for the period to be appropriated9905€2k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€2k€-3k▼
Profit (loss) brought forward from the previous period14P-€2k
The notes to these accounts (6 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Esneux
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 la Douix 354130 EsneuxGround area
1,864 m²
Building footprint
140 m²
Volume, LiDAR
794 m³
Parcel 62032C0340/00C005, Wallonia · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62032C0340/00C005 | Wallonia | 1,864 m² | 1 · 140 m² | 7.6 m · 2 fl. |
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.
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PIERPONT PROPERTIES
BE 0440.599.635
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GFLA Immo
BE 0763.841.346
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Koeken & C°
BE 0556.807.417
Diepenbeek · Eq €4k
Of 11,749 companies in sector 68310 we hold annual accounts for 6,906. 1,809 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-03-2024
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68121Development of residential building projects
68122Development of non-residential building projects
68321Property management for co-owned buildings (syndics)
68322Real estate appraisal on a fee or contract basis
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.