Fiema Construct
ActiveFiema Construct has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €283k and a net result of €17k. Equity is growing by ~7.7% per year across the filed fiscal years. Its solvency ranks better than 27% of 9113 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
45
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability30▲+2
Solvency34▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity tight (current ratio 1.43 against 1.24 in 2024; short-term debt: 64.5% and cash: 0.3% of total assets), and 91.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 →
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
8.5%
Return on assets
0.5%
Age of the figures
15 mo
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 30-01-2026, 1 day ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
on the day
2022
on the day
2021
on the day
2020
6 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close17-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€283k▲ 6.4%
2024 · €266k
2020: €195k
2021: €207k
2022: €228k
2023: €252k
2024: €266k
2020 → 2025
Total assets
€3.31M▼ 23.8%
2024 · €4.34M
2020: €1.68M
2021: €2.77M
2022: €2.65M
2023: €2.61M
2024: €4.34M
2020 → 2025
Net result
€17k▲ 24.3%
2024 · €14k
2020: €8k
2021: €13k
2022: €20k
2023: €25k
2024: €14k
2020 → 2025
Working capital
€916k▲ 14.8%
2024 · €798k
2020: €-63k
2021: €-56k
2022: €-33k
2023: €631k
2024: €798k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€207k-€228k▲ 9.7%€252k▲ 10.8%€266k▲ 5.4%€283k▲ 6.4%
Operating result€60k-€80k▲ 34.3%€78k▼ 3.3%€134k▲ 72.5%€139k▲ 3.3%
Net result€13k-€20k▲ 59.5%€25k▲ 21.3%€14k▼ 44.3%€17k▲ 24.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 3% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.31M
Fixed assets
€259k▼ 6.1%
Current assets
€3.05M▼ 25.0%
Equity and liabilities €3.31M
Equity
€283k▲ 6.4%
Debt
€3.03M▼ 25.8%
The debt ratio falls from 93.9% to 91.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€156k▲
2024 · €150k
Cash flow
€35k▲
2024 · €30k
Solvency
8.5%▲
2024 · 6.1%
Current ratio
1.43▲
2024 · 1.24
Quick ratio
0.49▲
2024 · 0.41
Debt / equity
10.71▼
2024 · 15.34
ROE
6.0%▲
2024 · 5.1%
ROA
0.5%▲
2024 · 0.3%
Interest coverage
1.22▲
2024 · 1.12
Debt
€3.03M▼
2024 · €4.08M
Debt ≤ 1 year
€2.13M▼
2024 · €3.27M
Debt > 1 year
€867k▲
2024 · €790k
Income taxes
€9k▲
2024 · €7k
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€4.34M€3.31M▼
Fixed assets21/28€276k€259k▼
Tangible fixed assets22/27€273k€256k▼
Land and buildings22€265k€253k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€5k€2k▼
Financial fixed assets28€3k€3k=
Current assets29/58€4.07M€3.05M▼
Amounts receivable after more than one year29€252k€793k▲
Other amounts receivable291€252k€793k▲
Stocks and contracts in progress3€2.74M€2.00M▼
Stocks30/36€2.06M€2.00M▼
Contracts in progress37€679k€0▼
Amounts receivable within one year40/41€955k€196k▼
Trade receivables40€319k€131k▼
Other amounts receivable41€636k€65k▼
Cash at bank and in hand54/58€50k€11k▼
Deferred charges and accrued income490/1€76k€56k▼
Equity and liabilities
Total equity and liabilities10/49€4.34M€3.31M▼
Equity10/15€266k€283k▲
Contributions10/11€19k€19k=
Revaluation surpluses12€135k€129k▼
Reserves13€34k€40k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€34k€40k▲
Profit (loss) carried forward14€78k€95k▲
Amounts payable17/49€4.08M€3.03M▼
Amounts payable after more than one year17€790k€867k▲
Other amounts payable178/9€790k€867k▲
Amounts payable within one year42/48€3.27M€2.13M▼
Current portion of amounts payable after more than one year42€11k€0▼
Financial debts43€2.70M€1.72M▼
Credit institutions430/8€2.70M€1.72M▼
Trade debts44€490k€407k▼
Suppliers440/4€490k€407k▼
Taxes, remuneration and social security45€63k€9k▼
Taxes450/3€63k€9k▼
Other amounts payable47/48€2k€0▼
Accrued charges and deferred income492/3€19k€26k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€18k▲
Other operating charges640/8€2k€1k▼
Non-recurring operating charges66A€28k€0▼
Gross operating margin9900€180k€157k▼
Operating profit (loss)9901€134k€139k▲
Financial income75/76B€22k€15k▼
Recurring financial income75€22k€15k▼
Financial charges65/66B€135k€128k▼
Recurring financial charges65€135k€128k▼
Profit (loss) for the period before taxes9903€21k€26k▲
Income taxes67/77€7k€9k▲
Profit (loss) for the period9904€14k€17k▲
Profit (loss) for the period to be appropriated9905€14k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€78k€95k▲
Profit (loss) brought forward from the previous period14P€65k€78k▲
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (14 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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Highest result since 2020net €25k ▲21.3%
Net result €25k, the highest in the series.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
Financial
Equity above €200kEq €207k ▲6.5%
2 profitable years in a row build equity to €207k.
25-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are 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, Lommel · 1 establishment unit since 2019
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.
Hoevenstraat 55A3920 LommelGround area
776 m²
Building footprint
220 m²
Volume, LiDAR
258 m³
Parcel 72020C0714/00T000, Flanders · tallest building 4.0 m. Linked by address, not a title deed.
1 establishment unit
Hoevenstraat 55A, 3920 Lommel
since 20192.284.327.630
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72020C0714/00T000 | Flanders | 776 m² | 1 · 220 m² | 4.0 m |
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.
Similar companies · same sector, comparable size
GROUP J.M.C.
BE 0452.733.642
Lanaken · Eq €283k
NATUS
BE 0830.357.414
Holsbeek · Eq €283k
BOUWEXPERTS
BE 0871.997.237
Bree · Eq €284k
CenProperties
BE 1003.348.796
Zoersel · Eq €282k
LMA INVEST
BE 0646.935.758
Mons · Eq €284k
Of 9,697 companies in sector 68121 we hold annual accounts for 7,378. 5,187 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-01-2019
Fiscal year end30-06
Activities, NACEBEL
68121Development of residential building projects
68110Buying and selling of own real estate
68122Development of non-residential building projects
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
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.