FIEMA HOLDING is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €87k and a net result of €13k. Equity is growing by ~21.5% per year across the filed fiscal years. Its solvency ranks better than 21% of 8013 sector peers (fiscal year 2025). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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 advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 8013 sector peers (2025).
NBB · sector comparisonPosition among 8013 sector peers
Solvency
better than 21%
← weakest
strongest →
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
36 d early
2023
26 d early
2022
32 d early
2021
31 d early
2020
22 d early
2019
110 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€87k▲ 18.2%
2024 · €74k
2018: €16k
2019: €18k
2020: €37k
2021: €46k
2022: €48k
2023: €61k
2024: €74k
2018 → 2025
Net result
€13k▲ 4.9%
2024 · €13k
2018: €990
2019: €2k
2020: €6k
2021: €10k
2022: €1k
2023: €13k
2024: €13k
2018 → 2025
Total assets
€550k▼ 6.4%
2024 · €587k
2018: €358k
2019: €722k
2020: €621k
2021: €536k
2022: €462k
2023: €799k
2024: €587k
2018 → 2025
Solvency
15.8%▲ 3.3pp
2024 · 12.5%
2018: 4.4%
2019: 2.5%
2020: 5.9%
2021: 8.7%
2022: 10.3%
2023: 7.6%
2024: 12.5%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€46k-€48k▲ 2.7%€61k▲ 27.4%€74k▲ 21.0%€87k▲ 18.2%
Operating result€39k-€19k▼ 51.6%€51k▲ 168%€56k▲ 10.0%€137k▲ 143%
Net result€10k-€1k▼ 87.5%€13k▲ 950%€13k▼ 2.3%€13k▲ 4.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 143% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €550k
Fixed assets
€104k=
Current assets
€445k▼ 7.8%
Equity and liabilities €550k
Equity
€87k▲ 18.2%
Debt
€463k▼ 9.9%
The debt ratio falls from 87.5% to 84.2%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
15.8%▲
2024 · 12.5%
ROE
15.4%▼
2024 · 17.4%
ROA
2.4%▲
2024 · 2.2%
Debt
€463k▼
2024 · €514k
Debt ≤ 1 year
€151k▲
2024 · €21k
Debt > 1 year
€265k▼
2024 · €420k
Income taxes
€6k▲
2024 · €6k
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€587k€550k▼
Fixed assets21/28€104k€104k=
Financial fixed assets28€104k€104k=
Current assets29/58€483k€445k▼
Amounts receivable after more than one year29-€171k
Other amounts receivable291-€171k
Stocks and contracts in progress3€273k€1k▼
Stocks30/36€273k€1k▼
Amounts receivable within one year40/41€191k€201k▲
Trade receivables40€0€145k▲
Other amounts receivable41€191k€55k▼
Cash at bank and in hand54/58€4k€58k▲
Deferred charges and accrued income490/1€15k€15k▲
Equity and liabilities
Total equity and liabilities10/49€587k€550k▼
Equity10/15€74k€87k▲
Contributions10/11€19k€19k=
Reserves13€8k€8k=
Distributable reserves133€8k€8k=
Profit (loss) carried forward14€47k€61k▲
Amounts payable17/49€514k€463k▼
Amounts payable after more than one year17€420k€265k▼
Other amounts payable178/9€420k€265k▼
Amounts payable within one year42/48€21k€151k▲
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€16k€143k▲
Suppliers440/4€16k€143k▲
Taxes, remuneration and social security45€6k€8k▲
Taxes450/3€6k€8k▲
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€73k€47k▼
Income statement
Code20242025
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€132k
Other operating charges640/8€1k€17k▲
Gross operating margin9900€57k€285k▲
Operating profit (loss)9901€56k€137k▲
Financial income75/76B€625€2k▲
Recurring financial income75€625€2k▲
Financial charges65/66B€39k€120k▲
Recurring financial charges65€39k€120k▲
Profit (loss) for the period before taxes9903€18k€19k▲
Income taxes67/77€6k€6k▲
Profit (loss) for the period9904€13k€13k▲
Profit (loss) for the period to be appropriated9905€13k€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€47k€61k▲
Profit (loss) brought forward from the previous period14P€35k€47k▲
The notes to these accounts (5 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €13k ▲4.9%
Operating result €137k, net result €13k, both a record.
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity times 10current ratio 22.93
Current ratio from 2.23 to 22.93; short-term debt falls from €317k to €21k.
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Liquidity doublescurrent ratio 8.70
Current ratio from 3.53 to 8.70; short-term debt falls from €126k to €43k.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
18-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 110 days late
2019
31-12
Financial
Liquidity doublescurrent ratio 4.53
Current ratio from 2.07 to 4.53.
06-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 6 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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 2012
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 20122.216.275.992
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.
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VAN ZON & AERTS HOLDING
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,760. 11,980 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-12-2012
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.