Fiema Construct
ActiveFrom the official registers: KBO 6 annual accounts at the National Bank publications in the Belgian Official Gazette
Summary
Fiema Construct has been active since 2019 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €282,770 and a net result of €16,957. Equity has been growing by about 7.7% per year since 2020. Its solvency ranks better than 27% of 11,235 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Overview
Overview
Official details
KBO- Status
- Active since 03-01-2019 Normal situation
- Registered office
- 10 active companies are registered at this address Source: KBO register, as of 1 November 2026.
- Activity
- Development of residential building projects NACE 68121and 4 others
- Establishment unit
- 2.284.327.630 3920 Lommel, since 03-01-2019
- Financial year end
- 30 June
- Peppol
- Reachable since 01-10-2026
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.4%
- Gross margin
- €157,274
- ▼ 12.7%
- Turnover
- ≈ €310,000
- estimated
- Profit
- €16,957
- ▲ 24.3%
- Equity
- €282,770
- ▲ 6.4%
- Total assets
- €3.3m
- ▼ 23.8%
Score breakdownraises riskLiquidity: current ratio 1.43, cash €10,578, halvedEquity €282,770 (8.5% of total assets)lowers riskSize: total assets €3.3mSector: Real estate activities (NACE 68)Show the evidence
Checked score
About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 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). It does better than 27% of them on solvency, 13% on liquidity, 22% on profitability and 66% on growth.
The bankruptcy probability was computed on 31-10-2026 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. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 6 accounts on average 1 day before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, abbreviated format
Annual accounts 2025 filed on 30-01-2026 PDF all 6 filings
2021 to 2025, 5 financial years 2020 to 2025, 6 financial years
The operating result for 2025 is 3% higher than in 2024 and the highest since 2021. It is the second rise in a row, after the fall in 2023.
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Average staff per financial year, in full-time equivalents (FTE).
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Real estate activities (NACE 68). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio, return on assets (ROA) and staff (FTE).
Comparable companies
These companies have the same main activity as Fiema Construct: development of residential building projects (NACE 68121). They are comparable in size and age: total assets between €2.5m and €4.2m, founded between 2016 and 2020.
| Company | Founded | Total assets | Equity | Gross margin | Net result | FTE | Financial year |
|---|---|---|---|---|---|---|---|
| Fiema Construct Lommel | 2019 | €3.3m | €0.3m | €0.2m | €0.02m | 0 | 2025 |
| UNIQ WONEN Hasselt | 2018 | €2.5m | €0.1m | €0.2m | €0.02m | 0 | 2025 |
| EMIE-PLUS Ukkel | 2018 | €4.2m | €0.1m | €0.1m | €0.005m | 0 | 2025 |
| Heirbrug Boortmeerbeek | 2017 | €3.2m | €1.1m | €0.1m | €0.03m | 0 | 2025 |
| Qualis Real Estate Leuven | 2019 | €3.9m | €0.3m | €0.1m | -€0.005m | 0 | 2025 |
| Confido Woonprojecten Hasselt | 2020 | €3.0m | €0.1m | €0.09m | €0.03m | 0 | 2024 |
| NEXT DAY SUSTAINABLE ONE Elsene | 2016 | €3.0m | €0.2m | €0.2m | -€0.01m | 0 | 2025 |
They were chosen from the 7,757 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity
Companies with the same profile, two years later
Historical observationIn July 2024, 1,603 companies had the same profile as Fiema Construct has now. Two years later, 1.9% had gone bankrupt and 96.1% were still going.
- Small
- 5 to 10 years old
- solvency under 10%
- a profit under 5% of the balance sheet
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Fiema Construct itself: 0.4% within 12 months.
Test of the method
The method was tested on the 497,445 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,603 companies, not a prediction for Fiema Construct. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €23,829 | €11,362 | €14,160 | €21,504 | €16,440 | €17,690 | ▲ 7.6% |
| Other operating charges640/8 | - | - | €1,285 | €1,140 | €2,184 | €1,079 | ▼ 50.6% |
| Non-recurring operating charges66A | - | - | - | - | €27,502 | €0 | ▼ 100% |
| Gross operating margin9900 | €55,553 | €71,752 | €95,795 | €100,318 | €180,145 | €157,274 | ▼ 12.7% |
| Operating profit (loss)9901 | €31,377 | €59,810 | €80,351 | €77,675 | €134,019 | €138,505 | ▲ 3.3% |
| Financial income75/76B | - | - | €5,803 | €16,101 | €21,556 | €15,442 | ▼ 28.4% |
| Recurring financial income75 | €105 | €827 | €5,803 | €16,101 | €21,556 | €15,442 | ▼ 28.4% |
| Financial charges65/66B | - | - | €59,909 | €57,881 | €134,650 | €128,303 | ▼ 4.7% |
| Recurring financial charges65 | €15,569 | €42,935 | €59,909 | €57,881 | €134,650 | €128,303 | ▼ 4.7% |
| Profit (loss) for the period before taxes9903 | €15,914 | €17,702 | €26,244 | €35,895 | €20,925 | €25,644 | ▲ 22.6% |
| Income taxes67/77 | €8,116 | €5,038 | €6,050 | €11,389 | €7,286 | €8,687 | ▲ 19.2% |
| Profit (loss) for the period9904 | €7,798 | €12,664 | €20,195 | €24,506 | €13,639 | €16,957 | ▲ 24.3% |
| Profit (loss) for the period to be appropriated9905 | €7,798 | €12,664 | €20,195 | €24,506 | €13,639 | €16,957 | ▲ 24.3% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|
| Assets | |||||||
| Total assets20/58 | €1.7m | €2.8m | €2.6m | €2.6m | €4.3m | €3.3m | ▼ 23.8% |
| Fixed assets21/28 | €0.3m | €0.3m | €0.3m | €0.3m | €0.3m | €0.3m | ▼ 6.1% |
| Tangible fixed assets22/27 | €0.3m | €0.3m | €0.3m | €0.3m | €0.3m | €0.3m | ▼ 6.2% |
| Land and buildings22 | - | - | €0.3m | €0.3m | €0.3m | €0.3m | ▼ 4.5% |
| Plant, machinery and equipment23 | - | - | €0.006m | €0.005m | €0.003m | €0.002m | ▼ 44.1% |
| Furniture and vehicles24 | - | - | €0.001m | €0.04m | €0.005m | €0.002m | ▼ 69.7% |
| Financial fixed assets28 | - | €0.003m | €0.003m | €0.003m | €0.003m | €0.003m | = |
| Current assets29/58 | €1.4m | €2.5m | €2.3m | €2.3m | €4.1m | €3.1m | ▼ 25.0% |
| Amounts receivable after more than one year29 | - | - | €0.004m | €0.04m | €0.3m | €0.8m | ▲ 215% |
| Other amounts receivable291 | - | - | €0.004m | €0.04m | €0.3m | €0.8m | ▲ 215% |
| Stocks and contracts in progress3 | €0.8m | €1.1m | €0.9m | €0.8m | €2.7m | €2.0m | ▼ 27.0% |
| Stocks30/36 | - | - | €0.6m | €0.6m | €2.1m | €2.0m | ▼ 2.9% |
| Contracts in progress37 | - | - | €0.3m | €0.2m | €0.7m | €0 | ▼ 100% |
| Amounts receivable within one year40/41 | €0.06m | €0.7m | €1.3m | €0.9m | €1.0m | €0.2m | ▼ 79.5% |
| Trade receivables40 | - | - | €0.5m | €0.1m | €0.3m | €0.1m | ▼ 58.8% |
| Other amounts receivable41 | - | - | €0.8m | €0.8m | €0.6m | €0.06m | ▼ 89.8% |
| Cash at bank and in hand54/58 | €0.5m | €0.009m | €0.2m | €0.5m | €0.05m | €0.01m | ▼ 79.0% |
| Deferred charges and accrued income490/1 | - | - | €0.006m | €0.02m | €0.08m | €0.06m | ▼ 26.3% |
| Equity and liabilities | |||||||
| Total equity and liabilities10/49 | €1.7m | €2.8m | €2.6m | €2.6m | €4.3m | €3.3m | ▼ 23.8% |
| Equity10/15 | €0.2m | €0.2m | €0.2m | €0.3m | €0.3m | €0.3m | ▲ 6.4% |
| Contributions10/11 | €0.02m | - | €0.02m | €0.02m | €0.02m | €0.02m | = |
| Revaluation surpluses12 | - | - | €0.1m | €0.1m | €0.1m | €0.1m | ▼ 4.5% |
| Reserves13 | €0.009m | €0.02m | €0.02m | €0.03m | €0.03m | €0.04m | ▲ 18.0% |
| Non-distributable reserves130/1 | - | - | €390 | €390 | €0 | - | - |
| Reserves not available under the articles1311 | - | - | €390 | €390 | €0 | - | - |
| Distributable reserves133 | - | - | €0.02m | €0.03m | €0.03m | €0.04m | ▲ 18.0% |
| Profit (loss) carried forward14 | €0.007m | €0.02m | €0.04m | €0.06m | €0.08m | €0.1m | ▲ 21.6% |
| Amounts payable17/49 | €1.5m | €2.6m | €2.4m | €2.4m | €4.1m | €3.0m | ▼ 25.8% |
| Amounts payable after more than one year17 | - | - | - | €0.7m | €0.8m | €0.9m | ▲ 9.8% |
| Other amounts payable178/9 | - | - | - | €0.7m | €0.8m | €0.9m | ▲ 9.8% |
| Amounts payable within one year42/48 | €1.5m | €2.5m | €2.4m | €1.7m | €3.3m | €2.1m | ▼ 34.7% |
| Current portion of amounts payable after more than one year42 | - | - | - | €0.01m | €0.01m | €0 | ▼ 100% |
| Financial debts43 | - | - | €0.8m | €1.0m | €2.7m | €1.7m | ▼ 36.4% |
| Credit institutions430/8 | - | - | €0.8m | €1.0m | €2.7m | €1.7m | ▼ 36.4% |
| Trade debts44 | €0.3m | €0.3m | €0.7m | €0.5m | €0.5m | €0.4m | ▼ 17.0% |
| Suppliers440/4 | - | - | €0.7m | €0.5m | €0.5m | €0.4m | ▼ 17.0% |
| Advances received on contracts in progress46 | - | - | €0 | - | - | - | - |
| Taxes, remuneration and social security45 | - | - | €0.06m | €0.1m | €0.06m | €0.009m | ▼ 85.5% |
| Taxes450/3 | - | - | €0.06m | €0.1m | €0.06m | €0.009m | ▼ 85.5% |
| Other amounts payable47/48 | - | - | €0.9m | €0 | €0.002m | €0 | ▼ 100% |
| Accrued charges and deferred income492/3 | - | - | €0.04m | €0.03m | €0.02m | €0.03m | ▲ 34.2% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €7,798 | €12,664 | €20,195 | €24,506 | €13,639 | €16,957 | ▲ 24.3% |
| + Depreciation and write-downs630 | €23,829 | €11,362 | €14,160 | €21,504 | €16,440 | €17,690 | ▲ 7.6% |
| Operating cash flow (approximation) | €31,627 | €24,026 | €34,355 | €46,010 | €30,079 | €34,647 | ▲ 15.2% |
| Investment in fixed assets (approximation) | - | -€26,475 | -€35,600 | -€49,000 | €35,002 | -€738 | - |
| Change in cash | - | -€524,913 | €147,570 | €320,949 | -€427,263 | -€39,756 | ▲ 90.7% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Filings with the National Bank (6)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 30-06-2025 | abbreviated format | 30-01-2026 | 2026-00028695 | |
| 30-06-2024 | abbreviated format | 31-01-2025 | 2025-00029257 | |
| 30-06-2023 | abbreviated format | 31-01-2024 | 2024-00020902 | |
| 30-06-2022 | abbreviated format | 31-01-2023 | 2023-00019691 | |
| 30-06-2021 | abbreviated format | 31-01-2022 | 2022-04600416 | |
| 30-06-2020 | abbreviated format | 25-01-2021 | 2021-02200022 |
Board & ownership
Directors
Owners and capital
Shareholders
- enige aandeelhouder all shares
Capital transactions
- 05-01-2024 Converted to unavailable equity
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| JOOSTEN Arnold Johannes Eduard |
|
Articles of association
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Bestuursorgaan, 1”
Articles of association, deed of 05-01-2024 (in Dutch)
Network & group
Connections & network
4 connected companiesTimeline
Acts, filings and financial milestones
03-07
Gazette deed
Amendment of the articles · MiscellaneousPower of attorney2 points ▸
- General meeting, 30-06-2026
- Power of attorney, Ann-Sophie Van Roosbroeck
05-01
Gazette deed
Resignation: JOOSTEN Arnold Johannes Eduard (statutory director)Reappointment: JOOSTEN Arnold Johannes Eduard (statutory director) · Permanent representative: JOOSTEN Arnold Johannes Eduard · Capital conversion13 points ▸
- General meeting, “rechtspersonenregister te Antwerpen afdeling Hasselt, BE0717.592.835” (deed in Dutch)
- Other provision, “kennisgeving enige aandeelhouder, neerlegging van een uittreksel van onderhavige akte” (deed in Dutch)
- Other provision, “aanpassing statuten aan WVV en behoud rechtsvorm, statuten aanpassen en rechtsvorm behouden” (deed in Dutch)
- Capital conversion, “statutair onbeschikbare eigen vermogensrekening” (deed in Dutch)
- Reserve release, “overeenkomstig de vormen en meerderheden van de statutenwijziging, opheffen statutair onbeschikbare eigen vermogensrekening en beschikbaar maken voor uitkering” (deed in Dutch)
- Amendment of the articles
- Capital
- Registered-office move, 3920 Lommel,Hoevenstraat 55A/001
- Other provision, “bestuurder” (deed in Dutch)
- Director resignation, JOOSTEN Arnold Johannes Eduard (statutory director)
- Director reappointment, JOOSTEN Arnold Johannes Eduard (statutory director)
- Permanent representative, JOOSTEN Arnold Johannes Eduard
- The act holds 1 more point.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 202512 activities
- Verhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed,exclusief terreinen (68203)
- Verhuur en exploitatie van eigen of geleased residentieel onroerend goed,inclusief sociale woningen en serviceflats.
- Handel in eigen onroerend goed (68100)
- Verhuur en exploitatie van terreinen (68204)
- Ontwikkeling van residentiële bouwprojecten (41101)
- Ontwikkeling van niet-residentiële bouwprojecten (41102)
- Het optreden als bouwheer bij projectontwikkeling zowel voor de bouw van appartementsgebouwen als voor de nieuwbouw van individuele woningen of voor renovatiewerken.Dit zowel voor eigen projecten als voor projecten van derden.
- Het verlenen van bijstand,advies en leiding aan bedrijven,privépersonen en instellingen,voornamelijk doch niet uitsluitend op het vlak van management,marketing,productie en ontwikkeling,processing en het besturen van vennootschappen,dit alles in de meest ruime betekenis.
- De vennootschap kan zelf of als tussenpersoon alle hulpmiddelen verschaffen,bestuurdersfuncties waarnemen of laten waarnemen en diensten verlenen die direct of indirect verband houden met de voorgaande.Deze diensten kunnen worden geleverd krachtens een contractuele of statutaire benoeming en in de hoedanigheid van externe raadgever of orgaan van de cliënt.Ter uitvoering van haar opdrachten en voor het waarnemen van bestuursmandaten kan de vennootschap zich laten vertegenwoordigen door haar bestuurders of elke andere derde vertegenwoordiger,die door de vennootschap worden afgevaardigd om op te treden in eigen naam doch voor rekening van de vennootschap.
- Het aanleggen,het oordeelkundig uitbouwen en beheren van een onroerend vermogen;alle verrichtingen met betrekking tot onroerende goederen en onroerende zakelijke rechten,zoals de aan- en verkoop,de bouw,de verbouwing,de binnenhuisinrichting en decoratie,de huur en verhuur,de ruil,de verkaveling en,in het algemeen,alle verrichtingen die rechtstreeks of onrechtstreeks betrekking hebben op het beheer of op het productief maken,van onroerende goederen of onroerende zakelijke rechten.
- Het aanleggen,het oordeelkundig uitbouwen en beheren van een roerend vermogen;alle verrichtingen met betrekking tot roerende goederen en rechten,van welke aard ook,zoals de aan- en verkoop,de huur en verhuur,de ruil,in het bijzonder het beheer en de valorisatie van alle verhandelbare waardepapieren,aandelen,obligaties,staatsfondsen.
- Het verwerven en aanhouden van participaties,in eender welke vorm,in alle bestaande of op te richten,industriële,commerciële,financiële,landbouw- of immobiliënvennootschappen of -ondernemingen,het stimuleren,de planning en coördinatie van de ontwikkeling van de vennootschappen en ondernemingen,waarin ze een participatie aanhoudt,het deelnemen aan hun beheer,bestuur,vereffening en toezicht alsmede het verlenen van technische,administratieve en financiële bijstand aan deze vennootschappen en ondernemingen.
Invoicing and payment
Financial year and general meeting
Accounts at the NBBEnvironmental permits
The 10 most recent of 16 applications.
Source: Omgevingsloket Vlaanderen.
Sites & property
1 establishment unit
Buildings and parcels at the address
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 72020C0714/00T000 | Flanders | 776 m² | 1 · 220 m² | 4.0 m |