Debts
€22,694 72% of the balance sheet
Financial debts 64%Suppliers 4%Taxes and wages 32%
Of this, €8,223 falls due within a year.
FIMAGEST
Overview
Lifetime
2 annual accounts with figures on one time axispeak €13,292 (2024)
-€816▼ €14,108
lowest -€5,359 (2025)
-€5,359▼ €18,245
peak €12,886 (2024)
€9,026▼ 29.9%
€22,694▲ 290%
Board1 name since 2024
1 directorSERRA Sébastien
Documentsfilings and deeds
17-08-202617 days late
2025micro format
Gross margin from €13,292 to -€816Loss of €5,359Equity from €12,886 to €9,026Debts from €5,813 to €22,694
Key points
from the 2025 annual accountsStarting capital
€1,500 100 shares
Position in the sector
-€5,359
Lower net result than 85% of companies in office administrative support. Sector median €16,210 · 9,687 companies.
2025 accounts filed 17 days after the deadline
Checked score
85
Excellent
Financially stronger than 35% of micro companies in office administrative support (NACE 82)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 12,672 companies (NACE 82, micro).
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
04-2025: 0.6%
05-2025: 0.6%● unchanged vs 04-2025
06-2025: 0.6%● unchanged vs 05-2025
07-2025: 0.6%● unchanged vs 06-2025
08-2025: 0.7%▲ +0.1 percentage points vs 07-2025
09-2025: 0.7%● unchanged vs 08-2025
10-2025: 0.8%▲ +0.1 percentage points vs 09-2025highest value
11-2025: 0.3%▼ -0.5 percentage points vs 10-2025
12-2025: 0.3%● unchanged vs 11-2025
01-2026: 0.3%● unchanged vs 12-2025
02-2026: 0.3%● unchanged vs 01-2026
03-2026: 0.3%● unchanged vs 02-2026
04-2026: 0.3%● unchanged vs 03-2026
05-2026: 0.4%▲ +0.1 percentage points vs 04-2026
06-2026: 0.4%● unchanged vs 05-2026
07-2026: 0.4%● unchanged vs 06-2026
08-2026: 0.6%▲ +0.2 percentage points vs 07-2026
09-2026: 0.3%▼ -0.3 percentage points vs 08-2026
10-2026: 0.3%● unchanged vs 09-2026lowest value
11-2026: 0.3%● unchanged vs 10-2026lowest value
Financial strengthAverage
Score breakdown
raises risk
Last filed accounts filed 17 days late; 1 of the last 3 accounts late
lowers risk
Sector: Office administrative, office support and other business support activities (NACE 82)
Liquidity: current ratio 3.86, cash €12,923
Size: total assets €31,721
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 82, micro). It does better than 34% of them on solvency, 84% on liquidity, 5% on profitability and 18% on growth.
The bankruptcy probability was computed on 08-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 1,207 companies had the same profile as FIMAGEST has now. Each dot stands for 4 companies, two years later.
90.1%
were still trading
4.6%
stopped another way
4.6%
went bankrupt
Another 0.7% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of FIMAGEST itself is lower: 0.3% within 12 months. It rests on far more data about FIMAGEST than the profile alone.
Test of the method
The method was tested on the 497,447 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 1,207 companies, not a prediction for FIMAGEST. 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.
Credit verdict
Credit of up to €500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.86 (4.46 in 2024), above the usual 1.5. Short-term debt is 25.9% and cash 40.7% of total assets. However, 71.5% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Young company
Founded in 2024, 2 years ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
raises risk · 2025 accounts filed 17 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 2 filingsDeviation from the deadline
2025
17 days late
2024
68 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 43 days after the deadline. In the sector (NACE 82), the median for financial year 2024 was 7 days before the deadline, and 35% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1007249681
Incorporation
Founding capital of €1,500 · Founder: SERRA Sébastien (comparant) · Founding capital of EUROS 1,500, 100 shares · Appointment: SERRA Sébastien (director) · published on 20-03-2024 · Gazette deed
First establishment
Rue Saint-Gervais 60, Brugelette
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| FIMAGEST Brugelette | €31,721 | -€816 | 28.5% | - |
| COCONUT GROVE Mont-Saint-Guibert | €30,637 | €297 | 1.0% | - |
| WAVENTIX Wavre | €33,192 | -€4,818 | 44.0% | - |
| LEGAL CONNECT Hasselt | €32,078 | -€13,867 | 36.8% | - |
| ZINGIBERA Kortrijk | €25,434 | -€5,875 | 27.4% | - |
| WPRE-Services Blankenberge | €32,899 | -€65,430 | 8.2% | - |
| WIM THIJS SOLUTIONS Beringen | €26,886 | -€3,503 | 10.1% | - |
These companies have the same main activity as FIMAGEST: other business support services (NACE 82990). They are comparable in size and age: total assets between €25,400 and €33,200, founded between 2023 and 2024.
Official details
Source: KBO- Status
- Active since 18-03-2024Normal situation
- Activity
- Other business support servicesNACE 82990
- Establishment unit
- 2.357.456.2277942 Brugelette, since 18-03-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 30-12-2025
Insights on FIMAGEST
FIMAGEST has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €9,026 and a net result of -€5,359.
Its solvency ranks better than 33% of 9,691 sector peers (NACE 82, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 17-08-2026, 17 days late-€816
▼ €14,108
-€1,738
▼ €14,768
-€5,359
▼ €18,245
€23,498
▲ 62.0%
28.5%
▼ 40.5 percentage points
3.86
▼ 0.60
Turnover: not included in this filing.
Balance sheet
balance sheet total €31,721 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
28.5%
Higher than 33% of 9,691 companies in 2025.
3.86
Higher than 74% of 9,309 companies in 2025.
-16.9%
Higher than 9% of 9,433 companies in 2025.
FIMAGEST
Middle half of the sector
80% of the sector
Micro accounts in office administrative support (NACE 82)
Net result: bottom quarter · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
31,721 | 18,698 | |
29/58 |
31,721 | 18,698 | |
40/41 |
18,797 | 4,027 | |
40 |
14,595 | 2,830 | |
41 |
4,202 | 1,198 | |
54/58 |
12,923 | 14,671 | |
| Balance sheet: equity and liabilities | |||
10/49 |
31,721 | 18,698 | |
10/15 |
9,026 | 12,886 | |
10/11 |
1,500 | - | |
14 |
7,526 | 12,886 | |
17/49 |
22,694 | 5,813 | |
17 |
14,471 | 1,618 | |
170/4 |
14,471 | - | |
178/9 |
0 | 1,618 | |
42/48 |
8,223 | 4,195 | |
44 |
944 | - | |
440/4 |
944 | - | |
45 |
7,278 | 4,195 | |
450/3 |
7,278 | 4,195 | |
| Income statement | |||
9900 |
-816 | 13,292 | |
640/8 |
922 | 262 | |
9901 |
-1,738 | 13,030 | |
75/76B |
114 | - | |
75 |
114 | - | |
65/66B |
321 | 144 | |
65 |
321 | 144 | |
9903 |
-1,945 | 12,886 | |
67/77 |
3,414 | - | |
9904 |
-5,359 | 12,886 | |
9905 |
-5,359 | 12,886 | |
| Appropriation of the result | |||
9906 |
7,526 | 12,886 | |
14P |
12,886 | - | |
| Document | |||
The notes to these accounts have 2 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 17-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 17 days after the deadline. Filed on 17 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00401659.
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| -1,748 | - | ||
| 23,498 | 14,503 | ||
| 28.5% | 68.9% | ||
| 3.86 | 4.46 | ||
| 2.51 | 0.45 | ||
| -59.4% | 100.0% | ||
| -16.9% | 68.9% |
EBIT margin: not included in this filing.
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Insights on FIMAGEST
The operating result for 2025 is a loss of €1,738, after a profit of €13,030 in 2024.
Debt's share of the balance-sheet total rises from 31.1% to 71.5%. Equity is lower and debt is higher.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
since 18-03-2024
term without a fixed end
listed in the 2025 annual accounts, filed on 17-08-2026
Mandates through the years
1 name, the dashed line is todaySERRA Sébastien
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- SERRA Sébastien
- Director (not named in the articles), from 18-03-2024 to date
Control
Capital
- Contribution
- €1,500
- Shares
- 100
- Contribution per share
- €15
- Equity per share
- €90.26 in 2025
- Source
- deed of 20-03-2024
Articles of association
deed of 20-03-2024 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Moitié cédant,moitié acquéreurs proportionnellement au nombre d’actions, choisi de commun accord ou,à défaut,président du tribunal de…”
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Shareholders
At incorporation
deed of 20-03-2024 ↗
- SERRA Sébastien 100 shares (100%)
Network & group
No group
FIMAGEST has no parent and no holdings in its annual accounts. SERRA Sébastien is the only director. FIMAGEST shares no director with another company.
Timeline
Timeline
5 events since 2024Filings
Establishments
202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 17 days late
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1007249681
Annual accounts 2024 filed PDFfull format · 68 days late
2024
IncorporationFounding capital of €1,500 · Founder: SERRA Sébastien (comparant) · Founding capital of EUROS 1,500, 100 shares · Appointment: SERRA Sébastien (director) · published on 20-03-20244 points ▸
- Founder, SERRA Sébastien (comparant)
- Founding capital, euros 1.500, 100 shares
- Registered office clause, rue Saint Gervais 60, 7942 Brugelette (Mévergnies-lez-Lens)
- Director appointment, SERRA Sébastien (director (not named in the articles))
- The deed holds 5 more points.
First establishment Rue Saint-Gervais 60, Brugelette
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
On 18 March 2024, FIMAGEST was incorporated as a private limited company by one natural person, with a starting capital of €1,500.12 SERRA Sébastien has served as director since 2024.3 The company has filed 2 sets of annual accounts, the latest for financial year 2025.3
Company details
Identity
- Enterprise number
- 1007.249.681
- VAT number
- BE 1007.249.681
- Peppol ID
- 0208:1007249681
- Other Peppol ID
- 9925:BE1007249681
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 18-03-2024
- Financial year
- ends on 31 December
- Peppol
- Reachable since 30-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- FIMAGEST in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 20-03-2024 (in French)
Activities
NACEBEL 202582990
Other business support services main activity
Codes under NACEBEL 2008
82990
Other business support services main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Dispenser des avis financiers,comptables,juridiques,administratifs ou en management d’entreprises,dans le sens le plus large du terme (à…”deed of 20-03-2024 (in French)
3 activities
- Dispenser des avis financiers,comptables,juridiques,administratifs ou en management d’entreprises,dans le sens le plus large du terme (à l’exception toutefois des conseils de placement d’argent et autres),fournir son assistance et exécuter des services directement ou indirectement sur le plan de l’administration,des finances,de l’organisation et de la gestion en général
- Fournir toutes prestations de service et exécuter tous mandats notamment sous forme d’études d’organisations,d’expertises ou de formations en entreprises dans les domaines ci-avant
- Le recouvrement amiable de dettes,c’est-à-dire tout acte ou pratique qui a pour but d’inciter le débiteur à s’acquitter d’une dette impayée
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Rue Saint-Gervais 60 registered office 7942 Brugelette | 18-03-2024 | 2.357.456.227 |
Buildings and parcels at the address
- Ground area
- 697 m²
- Buildings
- 91 m²
- Volume, LiDAR
- 622 m³
- Tallest building
- 7.7 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 51043B0242/00M002 | 697 m² | 1 · 91 m² | 7.7 m · 2 |
Contact
E-mail
compta.serra@gmail.com