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FIBERAL

Active
Private limited companyfounded 1990active for 36 yearsSint-Katriensteenweg 35, 8520 Kuurne, BelgiumKBO/BCE: BE 0441.601.111
Summary

FIBERAL has been active since 1990 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €519,386 and a net result of €217,140. Equity is shrinking by about 9.4% per year across the filed financial years. Its solvency ranks better than 37% of 11,189 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Risk analysisFollow ReportCompare
FIBERALActiveChecked score 94/100
Risk analysis ReportCompare

Overview

Activity
Renting and operating of own or leased residential real estate, excluding social housing
NACE 68201
9th oldest company in Kuurne, Real estate sector1 site
Size
€2.8mtotal assets 2025
Equity
€519,386
Profit
€217,140
Turnover not published (abbreviated format)
Financial health
94 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Structure
Holdings
1
2025 accounts 8 days early1 of 3 deeds summarised
Why 94raises riskEquity €519,386 (18.3% of total assets)lowers riskSize: total assets €2.8mFigures for financial year 2025 (filed 23-01-2026)Founded in 1990Show the evidence

Checked score

Score 2025
94 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 54% of its sector peers (NACE 68, small)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Average
Solvency 43-2
equity 18.3% of total assets
Liquidity 24+8
short-term debt 76.8% · cash 12.7%
Profitability 69+38
return on assets 7.7%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (6,985 companies, NACE 68, small)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%● unchanged vs 11-2024 01-2025: 0.2%▲ +0.1 percentage points vs 12-2024 02-2025: 0.1%▼ -0.1 percentage points vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.1%● unchanged vs 06-2025 08-2025: 0.1%● unchanged vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.2%▲ +0.1 percentage points vs 12-2025highest value 02-2026: < 0.1%▼ -0.2 percentage points vs 01-2026lowest value 03-2026: < 0.1%● unchanged vs 02-2026lowest value 04-2026: < 0.1%● unchanged vs 03-2026lowest value 05-2026: < 0.1%● unchanged vs 04-2026lowest value 06-2026: < 0.1%● unchanged vs 05-2026lowest value 07-2026: < 0.1%● unchanged vs 06-2026lowest value 08-2026: < 0.1%● unchanged vs 07-2026 09-2026: < 0.1%● unchanged vs 08-2026 10-2026: < 0.1%● unchanged vs 09-2026
Credit of up to €45,000 on 30-day terms is acceptable
Liquidity insufficient (current ratio 0.17, compared with 0.06 in 2024, below 1; short-term debt: 76.8% and cash: 12.7% of total assets), and 81.7% of the assets are financed with debt and provisions.
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, small): better than 38% on solvency, 18% on liquidity, 68% on profitability and 92% on growth.

The bankruptcy probability was computed on 25-10-2026 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).

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Signals

Six signals.
lowers riskraises riskneutral
lowers risk · Size: total assets €2.8m
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed 23-01-2026)
NBB · annual accounts
raises risk · Equity €519,386 (18.3% of total assets)
NBB · annual accounts
lowers risk · Founded in 1990
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025
Equity per financial year
19202122232425
2019 to 2025 · latest year €519,386
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 23-01-2026, 8 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
8 days early
2024
7 days early
2023
16 days early
2022
on the day
2021
40 days early
2020
4 days early
2019
49 days 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 18 days before 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)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 23 January (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
30-06-2026 year end26-10-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Resignation: Albert Thomas Alian Vanhauwaert (statutory…Reappointment: Albert Thomas Alian Vanhauwaert…
  2. Annual accounts filedfinancial year 2025 · abbreviated…
  3. Back to profitnet €217,140

Key points

  • Positive: Back in profit in 2025after -€4,190 in 2024 €217,140 View
  • Positive: Among the best 13% on net resultsector median €10,062 · 11,181 companies €217,140 View
  • Board changedlatest change 29-04-2026 · 2 in office 2 joined · 1 left View
  • Positive: Filed on time since financial year 2019accounts within the deadline every year 7 years View

By topic

Financials

Financial year
2025
Total assets
€2.8m
Profit
€217,140
Solvency
18.3%
Total assets▲ 89.8%
Net result
20192025
Go to Financials

Board & ownership

Board
2 members
  • Steven Eligius VanhauwaertDirector
  • Sylvie Raymonda Josephine VanhauwaertDirector
Go to Board & ownership

Timeline

Events
40
Since
1992
Next accounts
by 31-01-2027
  1. 30-06-2025Equity above €500,000
  2. 24-01-2025Annual accounts filed
  3. 15-01-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Renting and operating of own or leased residential…NACE 68201
Founded
28-09-1990
Year ends
30-06
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
16
Who signs
Each director alone
Annual meeting
Last Saturday of October at 10:00
Purpose
“De aan- en verkoop, de exploitatie, de valorisatie, het verkavelen, de urbanisatie, de…” (deed in Dutch)
Go to Articles of association

Key facts about FIBERAL

What is the company number of FIBERAL?
0441.601.111. In Belgium the VAT number is the company number with BE in front: BE 0441.601.111.
Where is FIBERAL based?
The registered office is at Sint-Katriensteenweg 35, 8520 Kuurne.Company details
What does FIBERAL do?
According to the KBO register, the main activity is renting and operating of own or leased residential real estate, excluding social housing (NACE 68201).
What is the legal form of FIBERAL?
Private limited company (BV).
When was FIBERAL founded?
On 28-09-1990.
Is FIBERAL still active?
Yes, FIBERAL is an active enterprise in the KBO register.
What is the turnover of FIBERAL?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is FIBERAL profitable?
In financial year 2025, FIBERAL made a profit of €217,140.
Where can I find the annual accounts of FIBERAL?
FIBERAL filed 35 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of FIBERAL due?
By 31-01-2027, for financial year 2026.Timeline

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