Summary
FIMA CONSULT 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 €813,545 and a net result of €41,192. Equity is growing by ~9% per year across the filed fiscal years. Its solvency ranks better than 75% of 1501 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 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.
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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 18-05-2026, 74 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
74 d early
2024
2 d early
2023
19 d early
2022
17 d early
2021
23 d late
2020
24 d early
2019
23 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 19 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 14 July (4 of the last 5 filed years within 40 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#6 company by total assets in Vorselaar, Finance and insurance sector#6 company by equity in Vorselaar, Finance and insurance sector#6 oldest company in Vorselaar, Finance and insurance sector
Equity
€813,545▼ 23.6%
2024 · €1.1m
Net result
€41,192▼ 57.5%
2024 · €97,002
Total assets
€1.2m▲ 2.9%
2024 · €1.2m
Solvency
68.2%▼ 23.6pp
2024 · 91.8%
Trend over the years
Click a name to add, emphasise or remove a line.Band: 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.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€77,431▼ 34.9%€154,784▲ 99.9%€116,044▼ 25.0%€138,388▲ 19.3%€67,168▼ 51.5%
Net result€47,994within the sector's middle half▼ 39.3%€91,267within the sector's middle half▲ 90.2%€71,851within the sector's middle half▼ 21.3%€97,002within the sector's middle half▲ 35.0%€41,192within the sector's middle half▼ 57.5%
Equity€804,585above the sector's middle half▲ 6.3%€895,852above the sector's middle half▲ 11.3%€967,702above the sector's middle half▲ 8.0%€1.1mabove the sector's middle half▲ 10.0%€813,545above the sector's middle half▼ 23.6%
Total assets€1.1mwithin the sector's middle half▲ 9.1%€1.1mwithin the sector's middle half▼ 0.7%€1.1mwithin the sector's middle half▲ 0.5%€1.2mwithin the sector's middle half▲ 7.2%€1.2mwithin the sector's middle half▲ 2.9%
Debt€279,128▲ 17.8%€180,372▼ 35.4%€113,923▼ 36.8%€95,303▼ 16.3%€380,060▲ 299%
Working capital€618,392above the sector's middle half▲ 24.5%€768,989above the sector's middle half▲ 24.4%€831,894above the sector's middle half▲ 8.2%€921,753above the sector's middle half▲ 10.8%€627,221above the sector's middle half▼ 32.0%
Solvency74.2%above the sector's middle half▼ 1.9pp83.2%above the sector's middle half▲ 9.0pp89.5%above the sector's middle half▲ 6.2pp91.8%above the sector's middle half▲ 2.3pp68.2%within the sector's middle half▼ 23.6pp
Current ratio10.59above the sector's middle half▲ 2.779.88above the sector's middle half▼ 0.7115.93above the sector's middle half▲ 6.0414.61above the sector's middle half▼ 1.322.67within the sector's middle half▼ 11.94
Return on assets (ROA)4.4%within the sector's middle half▼ 3.5pp8.5%within the sector's middle half▲ 4.1pp6.6%within the sector's middle half▼ 1.8pp8.4%within the sector's middle half▲ 1.7pp3.5%within the sector's middle half▼ 4.9pp
Staff (FTE)2.3within the sector's middle half▼ 11.5%2.3within the sector's middle half=2.4within the sector's middle half▲ 4.3%1.8within the sector's middle half▼ 25.0%2.7within the sector's middle half▲ 50.0%
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 abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 51% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.2m
Fixed assets
€190,835 ▲ 11.9%
Current assets
€1.0m ▲ 1.3%
Equity and liabilities €1.2m
Equity
€813,545 ▼ 23.6%
Debt
€380,060 ▲ 299%
Debt's share of the balance-sheet total rises from 8.2% to 31.8%. Equity is lower and debt is higher.
Key figures and ratios
ROE
5.1%▼
2024 · 9.1%
Debt ≤ 1 year
€375,549▲
2024 · €67,726
Debt > 1 year
€4,511▼
2024 · €27,576
Income taxes
€24,622▼
2024 · €39,139
Staff costs
€155,321▲
2024 · €143,944
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €133,135 | €146,300 | €171,849 | €143,944 | €155,321 | ▲ 7.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €28,969 | €22,126 | €26,976 | €24,567 | €17,192 | ▼ 30.0% |
| Other operating charges640/8 | €4,031 | €4,342 | €2,447 | €2,594 | €3,925 | ▲ 51.3% |
| Gross operating margin9900 | €243,565 | €327,551 | €317,316 | €309,493 | €243,606 | ▼ 21.3% |
| Operating profit (loss)9901 | €77,431 | €154,784 | €116,044 | €138,388 | €67,168 | ▼ 51.5% |
| Financial income75/76B | €2 | €15 | €24 | €0 | €3,328 | ▲ 3,697,956% |
| Recurring financial income75 | €2 | €15 | €24 | €0 | €3,328 | ▲ 3,697,956% |
| Financial charges65/66B | €3,782 | €2,874 | €3,475 | €2,247 | €4,682 | ▲ 108% |
| Recurring financial charges65 | €3,782 | €2,874 | €3,475 | €2,247 | €4,682 | ▲ 108% |
| Profit (loss) for the period before taxes9903 | €73,651 | €151,925 | €112,593 | €136,142 | €65,813 | ▼ 51.7% |
| Income taxes67/77 | €25,656 | €60,658 | €40,743 | €39,139 | €24,622 | ▼ 37.1% |
| Profit (loss) for the period9904 | €47,994 | €91,267 | €71,851 | €97,002 | €41,192 | ▼ 57.5% |
| Profit (loss) for the period to be appropriated9905 | €47,994 | €91,267 | €71,851 | €97,002 | €41,192 | ▼ 57.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.1m | €1.1m | €1.1m | €1.2m | €1.2m | ▲ 2.9% |
| Fixed assets21/28 | €400,837 | €220,679 | €194,001 | €170,527 | €190,835 | ▲ 11.9% |
| Tangible fixed assets22/27 | €250,537 | €88,679 | €62,001 | €38,527 | €21,335 | ▼ 44.6% |
| Land and buildings22 | €191,204 | - | - | - | - | - |
| Plant, machinery and equipment23 | €2,311 | €5,032 | €3,758 | €3,666 | €2,333 | ▼ 36.4% |
| Furniture and vehicles24 | €57,022 | €83,646 | €58,243 | €34,861 | €19,002 | ▼ 45.5% |
| Financial fixed assets28 | €150,300 | €132,000 | €132,000 | €132,000 | €169,500 | ▲ 28.4% |
| Current assets29/58 | €682,875 | €855,545 | €887,624 | €989,480 | €1.0m | ▲ 1.3% |
| Amounts receivable after more than one year29 | - | €76,400 | €76,400 | €76,400 | €76,400 | = |
| Trade receivables290 | - | €76,400 | €76,400 | €76,400 | - | - |
| Other amounts receivable291 | - | - | - | - | €76,400 | - |
| Amounts receivable within one year40/41 | €319,553 | €605,706 | €458,094 | €579,895 | €580,884 | ▲ 0.2% |
| Trade receivables40 | €240,765 | €507,144 | €415,212 | €393,499 | €349,743 | ▼ 11.1% |
| Other amounts receivable41 | €78,788 | €98,562 | €42,882 | €186,395 | €231,142 | ▲ 24.0% |
| Current investments50/53 | - | - | €180,000 | €100,000 | €50,000 | ▼ 50.0% |
| Cash at bank and in hand54/58 | €363,322 | €173,439 | €173,129 | €233,185 | €295,485 | ▲ 26.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.1m | €1.1m | €1.1m | €1.2m | €1.2m | ▲ 2.9% |
| Equity10/15 | €804,585 | €895,852 | €967,702 | €1.1m | €813,545 | ▼ 23.6% |
| Contributions10/11 | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €792,185 | €883,452 | €955,302 | €1.1m | €801,145 | ▼ 23.9% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | - | - |
| Tax-exempt reserves132 | €37,500 | €37,500 | €37,500 | €37,500 | €37,500 | = |
| Distributable reserves133 | €752,825 | €844,092 | €915,942 | €1.0m | €763,645 | ▼ 24.6% |
| Amounts payable17/49 | €279,128 | €180,372 | €113,923 | €95,303 | €380,060 | ▲ 299% |
| Amounts payable after more than one year17 | €214,644 | €93,816 | €58,194 | €27,576 | €4,511 | ▼ 83.6% |
| Financial debts170/4 | €214,644 | €93,816 | €58,194 | €27,576 | €4,511 | ▼ 83.6% |
| Amounts payable within one year42/48 | €64,483 | €86,557 | €55,729 | €67,726 | €375,549 | ▲ 455% |
| Current portion of amounts payable after more than one year42 | €38,728 | €39,322 | €35,622 | €30,617 | €23,065 | ▼ 24.7% |
| Financial debts43 | - | - | €1,692 | €1,684 | €1,687 | ▲ 0.2% |
| Credit institutions430/8 | - | - | €1,692 | €1,684 | €1,687 | ▲ 0.2% |
| Trade debts44 | €2,658 | €10,808 | €4,067 | €1,583 | €3,146 | ▲ 98.8% |
| Suppliers440/4 | €2,658 | €10,808 | €4,067 | €1,583 | €3,146 | ▲ 98.8% |
| Taxes, remuneration and social security45 | €23,098 | €36,427 | €14,348 | €33,843 | €19,472 | ▼ 42.5% |
| Taxes450/3 | €11,646 | €22,667 | €743 | €17,971 | €3,629 | ▼ 79.8% |
| Remuneration and social security454/9 | €11,451 | €13,760 | €13,605 | €15,872 | €15,843 | ▼ 0.2% |
| Other amounts payable47/48 | - | - | - | - | €328,179 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €47,994 | €91,267 | €71,851 | €97,002 | €41,192 | ▼ 57.5% |
| + Depreciation and write-downs630 | €28,969 | €22,126 | €26,976 | €24,567 | €17,192 | ▼ 30.0% |
| Operating cash flow (approximation) | €76,964 | €113,392 | €98,827 | €121,569 | €58,384 | ▼ 52.0% |
| Investment in fixed assets (approximation) | - | €158,033 | -€299 | -€1,093 | -€37,500 | ▼ 3,331% |
| Change in cash | - | -€189,884 | -€310 | €60,056 | €62,301 | ▲ 3.7% |
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
26-08
State Gazette act
Resignations & appointments · RestructuringMerger · Real estate · Purpose change7 facts ▸
State Gazette act
Resignations & appointments · Restructuring
Merger · Real estate · Purpose change7 facts ▸
- General meeting, 31-07-2026
- Merger, fusie door overneming, goedkeuring fusievoorstel
- Real estate, Winkel 3, overgang eigendom
- Purpose change
- Statutes amendment, 4
- Other statement, coördinatie statuten, opdracht om de coördinatie van de statuten op te maken en te ondertekenen en de neerlegging in de statutendatabank te verzorgen
- Other statement, bestuursorgaan, overgenomen vennootschap
10-06
State Gazette act
RestructuringMerger · Shareholding · Statutes amendment29 facts ▸
State Gazette act
Restructuring
Merger · Shareholding · Statutes amendment29 facts ▸
- Merger, geruisloze fusie, 2.BESCHRIJVING VAN DE MET FUSIE GELIJKGESTELDE VERRICHTING EN IDENTIFICATIE
- Shareholding, aandelen, 200
- Statutes amendment
- Registered office clause, Kerkstraat 43 - 2290 Vorselaar
- Director in office, Marjan Janssens (sole director)
- Capital, €12.400
- Statutes amendment
- Registered office clause, Pas 153 - 2440 Geel
- Capital, €20.000
- Other statement, zakelijke overwegingen voorgestelde verrichting, beide vennootschappen ontwikkelen dezelfde activiteiten inzake bank- en verzekeringsactiviteiten als FINTRO-age…
- Shareholding, 200
- Real estate, kantoor
- +17 further facts in this act
18-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €41,192 ▼57.5%
Net result drops to €41,192, the lowest in the series.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €1mEq €1.1m ▲10%
7 profitable years in a row build equity to €1.1m.
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 23 days late
2021
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
08-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
2 of 5 acts read
About the unread acts
Of the 5 Belgian State Gazette acts we know for this company, 2 have been read. The other 3 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 acts for this company are in the Belgian State Gazette, of which we have read 2. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Vorselaar · 1 establishment unit since 2012
Ground area
911 m²
Building footprint
443 m²
Volume, LiDAR
2,443 m³
Parcel 13044G0115/00W000, Flanders · tallest building 10.4 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Fima Consult
since 20122.211.337.209
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13044G0115/00W000 | Flanders | 910 m² | 1 · 442 m² | 10.4 m · 1 fl. |
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.
Articles of association
Purpose
De activiteit van agent in bank- en beleggingsdiensten in de zin van de Belgische wetgeving betreffende de bemiddeling in bank- en beleggingsdiensten en de distributie van…
Full purpose (9 activities)
- De activiteit van agent in bank- en beleggingsdiensten in de zin van de Belgische wetgeving betreffende de bemiddeling in bank- en beleggingsdiensten en de distributie van financiële instrumenten en van kredietagent in naam en voor rekening van een in België gevestigde kredietinstelling en erkend door de Belgische toezichtsinstanties
- De activiteit van verzekeringstussenpersoon in de zin van de Belgische wetgeving betreffende de verzekeringsbemiddeling en de distributie van verzekeringen
- In België alle voorgaande activiteiten uitvoeren in de meest ruime zin van hun betekenis
- Het verwerven van deelnemingen in andere vennootschappen en ondernemingen en dit rechtstreeks of onrechtstreeks
- De vennootschap kan zich bij wijze van inbreng, overdracht, samensmelting, inschrijving, participatie, financiële tussenkomst of op andere wijze interesseren in alle vennootschappen, ondernemingen of verrichtingen die een gelijkaardig of verwant voorwerp hebben of die van aard zijn de verwezenlijking van haar voorwerp te bevorderen of veilig te stellen
- De verwezenlijking van onroerende verrichtingen in eigen naam, waaronder onder meer het verwerven, vervreemden, beheren, uitbaten, valoriseren, verkavelen, ordenen, huren en verhuren, het bouwen of verbouwen van onroerende goederen
- De vennootschap kan onroerend goed voor eigen rekening beheren. Zowel voor gebruik door de vennootschap zelf als voor andere doeleinden zoals daar zijn verhuur, aan- en verkoop, en andere
- De vennootschap kan zowel tot waarborg van eigen verbintenissen als tot waarborg van verbintenissen van derden borg stellen, onder meer door haar goederen in hypotheek of in pand te geven, inclusief de eigen handelszaak
- De vennootschap mag zich ook toeleggen op alle administratieve, industriële, commerciële, financiële roerende of onroerende verrichtingen die van aard zijn de verwezenlijking van haar voorwerp te bevorderen
Other statement
Overgang gehele vermogen door ontbinding zonder vereffening op andere vennootschap wanneer alle aandelen en andere stemrechtverlenende effecten in handen zijn v…
Bestuursorganen te fuseren vennootschappen stellen fusievoorstel op bij authentieke of onderhandse akte, art. 12:50 W.V.V. fusievoorstel
Rechtsvorm, naam, voorwerp en zetel te fuseren vennootschappen, boekhoudkundige datum handelingen over te nemen vennootschap voor rekening overnemende vennootsc…
Bestuursorganen stellen fusievoorstel op bij authentieke of onderhandse akte, neerlegging ter griffie uiterlijk zes weken voor buitengewone algemene vergadering…
In principe tussentijdse cijfers over stand van vermogen, vastgesteld niet meer dan drie maanden voor datum fusievoorstel, tussentijdse cijfers
4 more provisions on this in the deed
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 1
-
100%
According to the 2025 annual accounts of FIMA CONSULT 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.
Acquisitions and mergers
1 transactionTook over:FINTRAVER
Capital and shareholders
Capital over the years
- 10-06-2026 Capital stated in the act · 12,400 EUR · 120 shares
Recognitions · licences · registrations
Legal Entity Identifier
894500W9F6JS7CID1N05
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Of 1,682 companies in sector 66191 we hold annual accounts for 1,230. 919 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
Founded11-05-2012
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0845912452
Registered
27-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.