FI-MO
ActiveSummary
The computed 12-month bankruptcy probability of FI-MO is 2.6% (moderate). The 2025 annual accounts show negative equity (-€1,069) and a net result of -€5,189. Its solvency ranks better than 17% of 17,107 sector peers (NACE 68, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
- Equity
- -€1,069
- Loss
- -€5,189
Why 50raises riskNo registered site in the KBOLiquidity: current ratio 0.00, cash €5, halvedlowers riskSector: Real estate activities (NACE 68)Size: total assets €29,854Show the evidence
Checked score
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
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 68, micro): better than 17% on solvency, 20% on liquidity, 22% on profitability and 4% on growth.
The bankruptcy probability was computed on 30-10-2026 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).
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
This company filed its last 2 accounts on average 46 days after the deadline; the sector median (NACE 68) for financial year 2024 is 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · micro…
- Annual accounts filedfinancial year 2024 · micro…
- IncorporationAppointments: MOREAU Philippe José Renaud…
Financials · financial year 2025, micro format
2025 annual accounts filed late (31 days) Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00482715.
2024 to 2025, 2 financial years
The operating result turns negative in 2025: a loss of €3,930 after €2,650 in 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 68, Real estate activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Peer companies
Historical observationOf the 7,639 companies that looked in July 2024 the way this one looks now, 8.8% went bankrupt within 24 months and 84.9% are still going.
- Micro
- 2 to 5 years old
- negative equity
- a loss of 10% of the balance sheet or more
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 2.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 7,639 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Goods, raw materials, services and sundry goods60/61 | €1,350 | €0 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €6,908 | - |
| Other operating charges640/8 | - | €6,069 | - |
| Gross operating margin9900 | €2,650 | €9,048 | ▲ 241% |
| Operating profit (loss)9901 | €2,650 | -€3,930 | - |
| Financial charges65/66B | - | €1,049 | - |
| Recurring financial charges65 | - | €1,049 | - |
| Profit (loss) for the period before taxes9903 | €2,650 | -€4,979 | - |
| Income taxes67/77 | €530 | €210 | ▼ 60.4% |
| Profit (loss) for the period9904 | €2,120 | -€5,189 | - |
| Profit (loss) for the period to be appropriated9905 | €2,120 | -€5,189 | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €5,490 | €29,854 | ▲ 444% |
| Fixed assets21/28 | - | €29,849 | - |
| Tangible fixed assets22/27 | - | €29,849 | - |
| Leasing and similar rights25 | - | €29,849 | - |
| Current assets29/58 | €5,490 | €5 | ▼ 99.9% |
| Cash at bank and in hand54/58 | €5,490 | €5 | ▼ 99.9% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €5,490 | €29,854 | ▲ 444% |
| Equity10/15 | €4,120 | -€1,069 | - |
| Contributions10/11 | €2,000 | €2,000 | = |
| Profit (loss) carried forward14 | €2,120 | -€3,069 | - |
| Amounts payable17/49 | €1,370 | €30,923 | ▲ 23× |
| Amounts payable after more than one year17 | - | €16,801 | - |
| Financial debts170/4 | - | €16,801 | - |
| Amounts payable within one year42/48 | €1,370 | €14,122 | ▲ 931% |
| Current portion of amounts payable after more than one year42 | - | €7,977 | - |
| Trade debts44 | €840 | €840 | = |
| Suppliers440/4 | €840 | €840 | = |
| Taxes, remuneration and social security45 | €530 | €740 | ▲ 39.6% |
| Taxes450/3 | €530 | €740 | ▲ 39.6% |
| Other amounts payable47/48 | - | €4,565 | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €2,120 | -€5,189 | - |
| + Depreciation and write-downs630 | - | €6,908 | - |
| Operating cash flow (approximation) | €2,120 | €1,719 | ▼ 18.9% |
| Change in cash | - | -€5,485 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (2)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 31-08-2026 | 2026-00482715 |
| 31-12-2024 | micro format | 29-09-2025 | 2025-00520056 |
Similar companies · same sector and region
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| FIRQUET Katty Alice Emilia Ghislaine |
|
| MOREAU Philippe José Renaud Marie Dominique |
|
Owners and capital
Capital and shareholders
- MOREAU Philippe José Renaud Marie Dominique 10 shares (50%) · €1,000
- FIRQUET Katty Alice Emilia Ghislaine 10 shares (50%) · €1,000
The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.
- 25-03-2024 Incorporation · €2,000 · 20 shares
Group and network
Connections & network
2 current directorsThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
25-03
Gazette deed
IncorporationAppointments: MOREAU Philippe José Renaud Marie Dominique (director) and FIRQUET Katty Alice Emilia Ghislaine (director) · Founder · Founding capital13 facts ▸
- Founder, MOREAU Philippe José Renaud Marie Dominique
- Founder, FIRQUET Katty Alice Emilia Ghislaine
- Incorporation, “FI-MO” (deed in French)
- Founding capital, €2,000
- Shareholding, 10, 1000 (2 times)
- Bank account, “BE15 7320 7327 1730, société en formation” (deed in French)
- Other provision, “plan financier et responsabilité des fondateurs”, 13-03-2024 (deed in French)
- Other provision, “attestation de dépôt et fonds disponibles”, 2000 (deed in French)
- Capital
- Registered office clause, “4130 Esneux, Rue de la Douix”, 35 (deed in French)
- Board rule, 2
- Director appointment, MOREAU Philippe José Renaud Marie Dominique (director (not named in the articles))
- +1 further fact in this act
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 62032C0340/00C005 | Wallonia | 1,864 m² | 1 · 140 m² | 7.6 m · 2 |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “L’entretien de parcs et jardins; L’architecture d’intérieur et la décoration; La brocante,antiquaire,expertise; Conception et…” (deed in French)
41 activities (deed in French)
- L’entretien de parcs et jardins
- L’architecture d’intérieur et la décoration
- La brocante,antiquaire,expertise
- Conception et commercialisation de tout bien,notamment oeuvres d’art,décorations,vêtements
- Le montage de cloisons
- La promotion immobilière à l’exclusion de la promotion-construction vu l’incompatibilité légale prévue à l’article 6 de la loi du 20 février 1939 sur la protection du titre de la profession d’architecte,et notamment
- La promotion immobilière de logements
- La promotion immobilière de maisons d’habitation neuves ou de travaux de rénovation
- La promotion immobilière de bureaux
- La promotion immobilière d’infrastructures
- La promotion immobilière de : centres commerciaux et industriels,hôtels,zones d’activités et marchés,ports de plaisance,autoroutes,stations de sports d’hiver,etc…
- L’aménagement ou la rénovation de zones urbaines par voie de promotion
- Le lotissement foncier
- L’aménagement et le remembrement de zones rurales
- L’aménagement de parcelles de cimetières
- Marchand de biens immobiliers
- Les activités de transactions sur biens immobiliers tels que : immeubles résidentiels et maisons d’habitation,immeubles non résidentiels,terres et terrains
- Les transactions sur biens propres tels que fonds de commerce,droits à bail et pas de porte (reprise)
- Location d’habitations
- La location d’appartements et de maisons,vides ou meublés,destinés à l’habitation
- La location de longue durée en hôtels appartements
- L’exploitation de biens immobiliers en multipropriété
- La location de logements sociaux
- La location d’immeubles non résidentiels,y compris les salles d’exposition
- La location d’immeubles non résidentiels (bureaux,espaces commerciaux,halls d’exposition,etc…)
- La location à l’année de boxes ou de lieux de garage de véhicules
- La location de fonds de commerce (dans un système de gérances libres)
- La location de terres et de terrains
- La location de terrains (bâtis ou non) à usage agricole
- La location à l’année d’emplacement de caravanes
- L’activité d’agences immobilières et d’intermédiaires en achat,vente et location de biens immobiliers
- L’estimation et l’évaluation de biens immobiliers
- L’administration d’immeubles résidentiels
- La prise en charge au nom du (ou des) propriétaire(s) de l’ensemble des services nécessaires au fonctionnement des immeubles gérés (immeubles résidentiels)
- La collecte des loyers (immeubles résidentiels ou non résidentiels)
- L’administration d’autres biens immobiliers
- La prise en charge au nom du (ou des) propriétaire(s) de l’ensemble des services nécessaires au fonctionnement des immeubles gérés (immeubles résidentiels)
- Syndic d’immeuble
- La constitution d’un patrimoine mobilier ou immobilier,comprenant l’achat,la vente,la location,la sous-location etc… de tout bien
- L’organisation d’événement
- Et la petite et grande restauration (horeca),chambre d’hôtes et tables d’hôtes
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- FI-MO
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Région wallonne, sièges administratifs,agences,ateliers,dépôts,succursales en Belgique et à l'étranger par simple décision de l'organe…” (deed in French)
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- “Article 12. Pouvoir de représentation Chaque administrateur représente la société à l'égard des tiers et en justice, soit en demandant, soit…”
- Board ruleHow the board is made up, meets and takes decisions.
- “1, organe d'administration” (deed in French)
Capital, shares and profit
- Kind of sharesWhich classes of shares exist and what rights each class carries.
- “Nominatives, registre des actions nominatives avec mentions requises par le Code des sociétés et des associations” (deed in French)
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- “Cessions entre vifs à titre onéreux ou gratuit,volontaires ou forcées dont exclusion et retrait,en usufruit,nue-propriété ou pleine…” (deed in French)
- Share issue ruleHow and by whom new shares can be issued.
- “Apport en numéraire avec émission de nouvelles actions, courrier électronique,ou courrier ordinaire même jour si pas d'adresse électronique” (deed in French)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Third Friday of June at 18:00
Oversight and winding up
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Assemblée générale, prévues pour modifications aux statuts” (deed in French)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Si aucun autre liquidateur désigné, désigner liquidateurs et déterminer pouvoirs et émoluments” (deed in French)