Summary
FIMADERO 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 €40.6m and a net result of -€307,717. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 76% of 493 sector peers (fiscal year 2025). The company has been active since 1989 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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
27 d late
2024
14 d early
2023
12 d early
2022
61 d early
2021
4 d early
2020
3 d early
2019
on the day
← 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 10 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.
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, full schema
In the rankings
#4 company by equity in West Flanders, Auxiliary financial services sector#5 company by total assets in West Flanders, Auxiliary financial services sector#10 oldest company in Roeselare, Finance and insurance sector
Equity
€40.6m▼ 0.8%
2024 · €40.9m
Net result
-€307,717▼ 375%
2024 · -€64,834
Total assets
€58.1m▼ 0.9%
2024 · €58.7m
Solvency
69.8%▲ 0.1pp
2024 · 69.7%
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-€89,518-€39,368▲ 56.0%€17,952-€219,288-€282,072▼ 28.6%
Net result€8,949below the sector's middle half▼ 85.2%€18,215within the sector's middle half▲ 104%€15,260within the sector's middle half▼ 16.2%-€64,834below the sector's middle half-€307,717below the sector's middle half▼ 375%
Equity€40.9mabove the sector's middle half=€40.9mabove the sector's middle half=€40.9mabove the sector's middle half=€40.9mabove the sector's middle half▼ 0.2%€40.6mabove the sector's middle half▼ 0.8%
Total assets€54.9mabove the sector's middle half▲ 10.4%€60.8mabove the sector's middle half▲ 10.8%€62.8mabove the sector's middle half▲ 3.2%€58.7mabove the sector's middle half▼ 6.6%€58.1mabove the sector's middle half▼ 0.9%
Debt€14.0m▲ 58.8%€19.9m▲ 42.5%€21.8m▲ 9.8%€17.8m▼ 18.6%€17.5m▼ 1.4%
Working capital€12.6mabove the sector's middle half▲ 49.4%€19.2mabove the sector's middle half▲ 52.5%€22.9mabove the sector's middle half▲ 19.8%€17.0mabove the sector's middle half▼ 26.1%€20.1mabove the sector's middle half▲ 18.7%
Solvency74.6%above the sector's middle half▼ 7.8pp67.3%within the sector's middle half▼ 7.3pp65.2%within the sector's middle half▼ 2.1pp69.7%within the sector's middle half▲ 4.5pp69.8%above the sector's middle half▲ 0.1pp
Current ratio2.84within the sector's middle half▲ 0.343.81above the sector's middle half▲ 0.985.51above the sector's middle half▲ 1.6919.23above the sector's middle half▲ 13.7230.34above the sector's middle half▲ 11.11
Return on assets (ROA)0.0%below the sector's middle half▼ 0.1pp0.0%below the sector's middle half=0.0%below the sector's middle half=-0.1%below the sector's middle half▼ 0.1pp-0.5%below the sector's middle half▼ 0.4pp
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.
Why a figure moved sharply
- 2025 Net result -375% on 2024. The previous fiscal year ran 15 months, this one 12. The accounts now follow the full schema, last year the abbreviated schema.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €282,072 in 2025 against €219,288 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €58.1m
Fixed assets
€37.3m ▼ 8.5%
Current assets
€20.8m ▲ 16.4%
Equity and liabilities €58.1m
Equity
€40.6m ▼ 0.8%
Debt
€17.5m ▼ 1.4%
Debt's share of the balance-sheet total falls from 30.3% to 30.2%. Equity and debt are lower.
Key figures and ratios
ROE
-0.8%▼
2024 · -0.2%
Debt ≤ 1 year
€686,113▼
2024 · €930,097
Debt > 1 year
€16.9m=
2024 · €16.9m
Income taxes
€341▲
2024 · €157
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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €204,391 | €139,349 | €134,964 | €240,842 | €276,597 | ▲ 14.8% |
| Other operating charges640/8 | €145,818 | €147,898 | €180,276 | €176,074 | €172,986 | ▼ 1.8% |
| Gross operating margin9900 | €260,691 | €247,878 | €333,192 | €197,628 | €167,511 | ▼ 15.2% |
| Operating profit (loss)9901 | -€89,518 | -€39,368 | €17,952 | -€219,288 | -€282,072 | ▼ 28.6% |
| Financial income75/76B | €102,394 | €82,057 | €82,515 | €155,051 | €283,067 | ▲ 82.6% |
| Recurring financial income75 | €102,394 | €82,057 | €82,515 | €155,051 | €283,067 | ▲ 82.6% |
| Financial charges65/66B | €884 | €48 | €2,070 | €440 | €308,371 | ▲ 69,954% |
| Recurring financial charges65 | €884 | €48 | €2,070 | €440 | €308,371 | ▲ 69,954% |
| Profit (loss) for the period before taxes9903 | €11,992 | €42,640 | €98,397 | -€64,677 | -€307,376 | ▼ 375% |
| Income taxes67/77 | €3,043 | €24,425 | €83,137 | €157 | €341 | ▲ 117% |
| Profit (loss) for the period9904 | €8,949 | €18,215 | €15,260 | -€64,834 | -€307,717 | ▼ 375% |
| Transfer from tax-exempt reserves789 | - | - | - | €64,672 | €129,344 | ▲ 100% |
| Transfer to tax-exempt reserves689 | - | - | - | €1.3m | €0 | ▼ 100% |
| Profit (loss) for the period to be appropriated9905 | €8,949 | €18,215 | €15,260 | -€1.3m | -€178,373 | ▲ 86.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €54.9m | €60.8m | €62.8m | €58.7m | €58.1m | ▼ 0.9% |
| Fixed assets21/28 | €35.5m | €34.9m | €34.8m | €40.8m | €37.3m | ▼ 8.5% |
| Intangible fixed assets21 | - | - | - | €1.2m | €1.1m | ▼ 10.5% |
| Tangible fixed assets22/27 | €3.6m | €3.4m | €3.3m | €3.3m | €3.9m | ▲ 19.4% |
| Land and buildings22 | €3.6m | €3.4m | €3.3m | €3.2m | €3.1m | ▼ 4.5% |
| Other tangible fixed assets26 | - | - | - | €33,484 | €33,484 | = |
| Assets under construction and advance payments27 | - | - | - | - | €780,422 | - |
| Financial fixed assets28 | €31.9m | €31.4m | €31.4m | €36.3m | €32.3m | ▼ 11.0% |
| Current assets29/58 | €19.4m | €26.0m | €28.0m | €17.9m | €20.8m | ▲ 16.4% |
| Amounts receivable after more than one year29 | €1.2m | €2.3m | €2.9m | €3.3m | €8.8m | ▲ 165% |
| Other amounts receivable291 | €1.2m | €2.3m | €2.9m | €3.3m | €8.8m | ▲ 165% |
| Amounts receivable within one year40/41 | €17.7m | €22.7m | €24.2m | €13.5m | €11.3m | ▼ 16.3% |
| Trade receivables40 | €1.6m | €2.3m | €1.8m | €58,475 | €75,616 | ▲ 29.3% |
| Other amounts receivable41 | €16.1m | €20.4m | €22.3m | €13.5m | €11.2m | ▼ 16.5% |
| Current investments50/53 | - | €500,953 | €500,953 | €1.0m | €497,271 | ▼ 50.3% |
| Cash at bank and in hand54/58 | €557,842 | €501,020 | €437,907 | €25,839 | €7,448 | ▼ 71.2% |
| Deferred charges and accrued income490/1 | €1,320 | €4,112 | €5,041 | €4,395 | €171,494 | ▲ 3,802% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €54.9m | €60.8m | €62.8m | €58.7m | €58.1m | ▼ 0.9% |
| Equity10/15 | €40.9m | €40.9m | €40.9m | €40.9m | €40.6m | ▼ 0.8% |
| Contributions10/11 | €68.2m | €68.2m | €68.2m | €68.2m | €68.2m | = |
| Capital10 | €68.2m | €68.2m | €68.2m | €68.2m | €68.2m | = |
| Issued capital100 | €68.2m | €68.2m | €68.2m | €68.2m | €68.2m | = |
| Reserves13 | €9.1m | €9.1m | €9.1m | €10.3m | €10.2m | ▼ 1.3% |
| Non-distributable reserves130/1 | €297,472 | €297,472 | €297,472 | €297,472 | €297,472 | = |
| Legal reserve130 | €297,472 | €297,472 | €297,472 | €297,472 | €297,472 | = |
| Tax-exempt reserves132 | - | - | - | €1.2m | €1.1m | ▼ 10.5% |
| Distributable reserves133 | €8.8m | €8.8m | €8.8m | €8.8m | €8.8m | = |
| Profit (loss) carried forward14 | -€36.3m | -€36.3m | -€36.3m | -€37.6m | -€37.8m | ▼ 0.5% |
| Amounts payable17/49 | €14.0m | €19.9m | €21.8m | €17.8m | €17.5m | ▼ 1.4% |
| Amounts payable after more than one year17 | €7.1m | €13.1m | €16.8m | €16.9m | €16.9m | = |
| Financial debts170/4 | €7.1m | €13.1m | €6.4m | €6.4m | €6.4m | = |
| Other amounts payable178/9 | - | - | €10.4m | €10.5m | €10.5m | = |
| Amounts payable within one year42/48 | €6.8m | €6.8m | €5.1m | €930,097 | €686,113 | ▼ 26.2% |
| Trade debts44 | €25,272 | €28,282 | €33,386 | €117,655 | €103,480 | ▼ 12.0% |
| Suppliers440/4 | €25,272 | €28,282 | €33,386 | €117,655 | €103,480 | ▼ 12.0% |
| Taxes, remuneration and social security45 | €11,726 | €5,105 | €29,794 | €503 | €2,030 | ▲ 304% |
| Taxes450/3 | €3,726 | €2,789 | €25,122 | €503 | €2,030 | ▲ 304% |
| Remuneration and social security454/9 | €8,000 | €2,316 | €4,672 | €0 | - | - |
| Other amounts payable47/48 | €6.8m | €6.8m | €5.0m | €811,940 | €580,603 | ▼ 28.5% |
| Accrued charges and deferred income492/3 | €1,641 | €1,664 | €1,783 | €899 | €1,014 | ▲ 12.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €8,949 | €18,215 | €15,260 | -€64,834 | -€307,717 | ▼ 375% |
| + Depreciation and write-downs630 | €204,391 | €139,349 | €134,964 | €240,842 | €276,597 | ▲ 14.8% |
| Operating cash flow (approximation) | €213,340 | €157,564 | €150,224 | €176,007 | -€31,119 | ▼ 118% |
| Investment in fixed assets (approximation) | - | €483,606 | -€32,250 | -€6.3m | €3.2m | ▲ 151% |
| Change in cash | - | -€56,823 | -€63,113 | -€412,068 | -€18,391 | ▲ 95.5% |
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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 27 days late
2025
31-12
Financial
Weakest financial yearnet -€307,717
Net result drops to -€307,717, the lowest in the series.
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity triplescurrent ratio 19.23
Current ratio from 5.51 to 19.23; short-term debt falls from €5.1m to €930,097.
18-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-02
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
26-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
27-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
28-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
20-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 9 acts read
About the unread acts
We know of 9 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
9 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, Roeselare · 1 establishment unit since 1989
Ground area
1,145 m²
Building footprint
167 m²
Volume, LiDAR
1,107 m³
Parcel 36502B0899/00S000, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
FIMADERO NV
since 19892.043.826.226
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36502B0899/00S000 | Flanders | 1,145 m² | 1 · 167 m² | 10.4 m · 2 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.
Structure & network
Owners and holdings
6 holdingsOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 6
-
100%
-
94.13%
-
49.74%
-
42.86%
-
33.33%
-
1.83%
According to the 2025 annual accounts of FIMADERO 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.
Recognitions · licences · registrations
Legal Entity Identifier
894500U09SUMUOO67L55
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Of 1,506 companies in sector 66199 we hold annual accounts for 922. 93 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded25-05-1989
Fiscal year end31-12
Activities, NACEBEL 2025
66199Other activities auxiliary to financial services, excluding insurance and pension funding
68203Renting and operating of own or leased non-residential real estate, excluding land
73200Market research and public opinion polling
E-invoicing
Reachable via Peppol
Peppol ID
0208:0437587685
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.