Summary
FIB CONSEIL 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 €9,794 and a net result of €4,178. Equity is growing by ~3% per year across the filed fiscal years. The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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 check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-06-2026, 32 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
32 d early
2024
7 d early
2023
33 d early
2022
53 d early
2021
34 d early
2020
36 d early
2019
31 d 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 32 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 29 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed What held for this company on a given day: board, seat, name?Company as of a date
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2024, micro schema
Equity
€9,794▲ 1.8%
2023 · €9,617
Net result
€4,178▼ 68.8%
2023 · €13,406
Total assets
€19,679▼ 31.0%
2023 · €28,535
Solvency
49.8%▲ 16.1pp
2023 · 33.7%
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Turnover€0€0€0
Operating result€20,551€19,850▼ 3.4%€18,402▼ 7.3%€18,488▲ 0.5%€9,130▼ 50.6%
Net result€15,277within the sector's middle half€14,433within the sector's middle half▼ 5.5%€13,077within the sector's middle half▼ 9.4%€13,406within the sector's middle half▲ 2.5%€4,178within the sector's middle half▼ 68.8%
Equity€21,501below the sector's middle half▲ 206%€35,134below the sector's middle half▲ 63.4%€9,211below the sector's middle half▼ 73.8%€9,617below the sector's middle half▲ 4.4%€9,794below the sector's middle half▲ 1.8%
Total assets€29,488below the sector's middle half▲ 279%€49,121below the sector's middle half▲ 66.6%€30,419below the sector's middle half▼ 38.1%€28,535below the sector's middle half▼ 6.2%€19,679below the sector's middle half▼ 31.0%
Debt€7,987▲ 966%€13,986▲ 75.1%€21,208▲ 51.6%€18,918▼ 10.8%€9,885▼ 47.8%
Working capital€18,481within the sector's middle half▲ 206%€30,167within the sector's middle half▲ 63.2%€4,184within the sector's middle half▼ 86.1%€5,810within the sector's middle half▲ 38.9%€2,066within the sector's middle half▼ 64.4%
Solvency72.9%above the sector's middle half▼ 17.4pp71.5%within the sector's middle half▼ 1.4pp30.3%within the sector's middle half▼ 41.2pp33.7%within the sector's middle half▲ 3.4pp49.8%within the sector's middle half▲ 16.1pp
Current ratio3.32within the sector's middle half▼ 5.733.16within the sector's middle half▼ 0.161.20within the sector's middle half▼ 1.961.31within the sector's middle half▲ 0.111.21within the sector's middle half▼ 0.10
Return on assets (ROA)51.8%above the sector's middle half▲ 79.8pp29.4%above the sector's middle half▼ 22.4pp43.0%above the sector's middle half▲ 13.6pp47.0%above the sector's middle half▲ 4.0pp21.2%above the sector's middle half▼ 25.8pp
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 51% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €19,679
Fixed assets
€7,728 ▲ 103%
Current assets
€11,951 ▼ 51.7%
Equity and liabilities €19,679
Equity
€9,794 ▲ 1.8%
Debt
€9,885 ▼ 47.8%
Debt's share of the balance-sheet total falls from 66.3% to 50.2%. Equity is higher and debt is lower.
Key figures and ratios
ROE
42.7%▼
2023 · 139.4%
Debt ≤ 1 year
€9,885▼
2023 · €18,918
Income taxes
€2,870▼
2023 · €4,966
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | - | €0 | - | €0 | €0 | - |
| Goods, raw materials, services and sundry goods60/61 | - | €0 | - | €0 | €0 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €402 | €942 | €1,240 | €1,078 | €1,078 | = |
| Other operating charges640/8 | - | €857 | €1,295 | €700 | €2,731 | ▲ 290% |
| Gross operating margin9900 | €22,098 | €21,648 | €20,937 | €20,267 | €12,939 | ▼ 36.2% |
| Operating profit (loss)9901 | €20,551 | €19,850 | €18,402 | €18,488 | €9,130 | ▼ 50.6% |
| Financial income75/76B | - | €202 | €156 | €60 | €39 | ▼ 34.4% |
| Recurring financial income75 | €118 | €202 | €156 | €60 | €39 | ▼ 34.4% |
| Financial charges65/66B | - | €329 | €240 | €176 | €2,122 | ▲ 1,103% |
| Recurring financial charges65 | €306 | €329 | €240 | €176 | €2,122 | ▲ 1,103% |
| Profit (loss) for the period before taxes9903 | €20,363 | €19,723 | €18,318 | €18,372 | €7,048 | ▼ 61.6% |
| Income taxes67/77 | €5,086 | €5,291 | €5,241 | €4,966 | €2,870 | ▼ 42.2% |
| Profit (loss) for the period9904 | €15,277 | €14,433 | €13,077 | €13,406 | €4,178 | ▼ 68.8% |
| Profit (loss) for the period to be appropriated9905 | €15,277 | €14,433 | €13,077 | €13,406 | €4,178 | ▼ 68.8% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €29,488 | €49,121 | €30,419 | €28,535 | €19,679 | ▼ 31.0% |
| Fixed assets21/28 | €3,042 | €4,967 | €5,027 | €3,806 | €7,728 | ▲ 103% |
| Tangible fixed assets22/27 | €3,042 | €4,967 | €5,027 | €3,806 | €2,728 | ▼ 28.3% |
| Furniture and vehicles24 | - | €426 | €142 | €0 | - | - |
| Other tangible fixed assets26 | - | €4,541 | €4,885 | €3,806 | €2,728 | ▼ 28.3% |
| Financial fixed assets28 | - | - | - | - | €5,000 | - |
| Current assets29/58 | €26,447 | €44,154 | €25,393 | €24,729 | €11,951 | ▼ 51.7% |
| Amounts receivable after more than one year29 | - | €18,429 | €12,259 | €2,615 | €1,423 | ▼ 45.6% |
| Other amounts receivable291 | - | €18,429 | €12,259 | €2,615 | €1,423 | ▼ 45.6% |
| Amounts receivable within one year40/41 | €0 | €0 | €0 | €7,500 | €1,855 | ▼ 75.3% |
| Trade receivables40 | - | €0 | €0 | €7,500 | €0 | ▼ 100% |
| Other amounts receivable41 | - | - | €0 | €0 | €1,855 | - |
| Cash at bank and in hand54/58 | €14,522 | €25,439 | €12,833 | €14,315 | €8,308 | ▼ 42.0% |
| Deferred charges and accrued income490/1 | - | €286 | €301 | €299 | €365 | ▲ 22.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €29,488 | €49,121 | €30,419 | €28,535 | €19,679 | ▼ 31.0% |
| Equity10/15 | €21,501 | €35,134 | €9,211 | €9,617 | €9,794 | ▲ 1.8% |
| Contributions10/11 | - | €9,200 | €9,200 | €9,200 | €9,200 | = |
| Profit (loss) carried forward14 | €12,301 | €25,934 | €11 | €417 | €594 | ▲ 42.6% |
| Amounts payable17/49 | €7,987 | €13,986 | €21,208 | €18,918 | €9,885 | ▼ 47.8% |
| Amounts payable within one year42/48 | €7,965 | €13,986 | €21,208 | €18,918 | €9,885 | ▼ 47.8% |
| Current portion of amounts payable after more than one year42 | - | - | €1,676 | €1,348 | €1,586 | ▲ 17.7% |
| Trade debts44 | €330 | €0 | €0 | €673 | €642 | ▼ 4.6% |
| Suppliers440/4 | - | €0 | €0 | €673 | €642 | ▼ 4.6% |
| Taxes, remuneration and social security45 | - | €13,186 | €5,532 | €3,898 | €3,657 | ▼ 6.2% |
| Taxes450/3 | - | €13,186 | €5,532 | €3,898 | €3,657 | ▼ 6.2% |
| Other amounts payable47/48 | - | €800 | €14,000 | €13,000 | €4,000 | ▼ 69.2% |
| Accrued charges and deferred income492/3 | - | €0 | - | - | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €15,277 | €14,433 | €13,077 | €13,406 | €4,178 | ▼ 68.8% |
| + Depreciation and write-downs630 | €402 | €942 | €1,240 | €1,078 | €1,078 | = |
| Operating cash flow (approximation) | €15,680 | €15,375 | €14,317 | €14,484 | €5,256 | ▼ 63.7% |
| Investment in fixed assets (approximation) | - | -€2,867 | -€1,300 | €142 | -€5,000 | ▼ 3,621% |
| Change in cash | - | €10,917 | -€12,606 | €1,482 | -€6,007 | ▼ 505% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
08-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €15,277
Net result €15,277 after one loss-making year.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Waremme · 1 establishment unit since 2019
Ground area
992 m²
Building footprint
101 m²
Parcel 64074A0519/00K000, Wallonia. Linked by address, not a title deed.
1 establishment unit
FIB Conseil
since 20192.290.766.351
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64074A0519/00K000 | Wallonia | 992 m² | 1 · 101 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2024 list no shareholders, and no other source names one.
Holdings 1
-
33%
According to the 2024 annual accounts of FIB CONSEIL and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Similar companies · same sector, comparable size
RiskAdvisor
BE 0789.745.690
Grimbergen · Eq €9,733
ASSULAB
BE 0479.312.830
Lille · Eq €9,727
CDL-Consult
BE 0715.949.674
Oosterzele · Eq €9,894
BUREAU LECOMTE
BE 0438.605.294
Assesse · Eq €9,900
Sofin
BE 1001.685.643
Jurbise · Eq €9,681
Of 4,674 companies in sector 66220 we hold annual accounts for 3,222. 998 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded03-07-2019
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
66191Agents and brokers in banking services
70200Business and other management consultancy
Contact
E-mail
fredblanche174@gmail.com
Phone
+32479298799
E-invoicing
Reachable via Peppol
Peppol ID
0208:0729762870
Also
9925:BE0729762870
Registered
01-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.