Summary
FIMALUX 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 €250,247 and a net result of €26,378. Equity remains stable across the filed fiscal years (±1.3% per year). Its solvency ranks better than 77% of 2469 sector peers (fiscal year 2025). The company has been active since 1983 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 14-08-2026, 14 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
14 d late
2024
28 d late
2023
23 d late
2022
3 d late
2021
30 d early
2020
22 d early
2019
2 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 2 days after 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 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed Is the workforce growing, and do people stay?Employer check
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Financials · fiscal year 2025, micro schema
In the rankings
#2 oldest company in Musson
Equity
€250,247▼ 4.3%
2024 · €261,467
Net result
€26,378▲ 29.0%
2024 · €20,442
Total assets
€318,615▲ 0.2%
2024 · €318,100
Solvency
78.5%▼ 3.7pp
2024 · 82.2%
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€1,900▼ 84.7%-€3,372€12,524€32,143▲ 157%€40,929▲ 27.3%
Net result€445below the sector's middle half▼ 94.7%-€3,575below the sector's middle half€8,173within the sector's middle half€20,442within the sector's middle half▲ 150%€26,378within the sector's middle half▲ 29.0%
Equity€236,427within the sector's middle half▲ 0.2%€232,852within the sector's middle half▼ 1.5%€241,025within the sector's middle half▲ 3.5%€261,467within the sector's middle half▲ 8.5%€250,247within the sector's middle half▼ 4.3%
Total assets€317,750within the sector's middle half▼ 1.4%€316,824within the sector's middle half▼ 0.3%€314,599within the sector's middle half▼ 0.7%€318,100within the sector's middle half▲ 1.1%€318,615within the sector's middle half▲ 0.2%
Debt€81,323▼ 5.6%€83,972▲ 3.3%€73,574▼ 12.4%€56,633▼ 23.0%€68,368▲ 20.7%
Working capital-€69,244below the sector's middle half▲ 1.4%-€74,167below the sector's middle half▼ 7.1%-€64,207below the sector's middle half▲ 13.4%-€44,140below the sector's middle half▲ 31.3%-€57,361below the sector's middle half▼ 30.0%
Solvency74.4%above the sector's middle half▲ 1.2pp73.5%within the sector's middle half▼ 0.9pp76.6%above the sector's middle half▲ 3.1pp82.2%above the sector's middle half▲ 5.6pp78.5%above the sector's middle half▼ 3.7pp
Current ratio0.13below the sector's middle half▼ 0.040.12below the sector's middle half▼ 0.010.11below the sector's middle half=0.21below the sector's middle half▲ 0.100.15below the sector's middle half▼ 0.06
Return on assets (ROA)0.1%below the sector's middle half▼ 2.5pp-1.1%below the sector's middle half▼ 1.3pp2.6%within the sector's middle half▲ 3.7pp6.4%within the sector's middle half▲ 3.8pp8.3%within the sector's middle half▲ 1.9pp
Staff (FTE)1=1=1=1=1=
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 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 27% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €318,615
Fixed assets
€308,233 ▲ 0.7%
Current assets
€10,383 ▼ 12.5%
Equity and liabilities €318,615
Equity
€250,247 ▼ 4.3%
Debt
€68,368 ▲ 20.7%
Debt's share of the balance-sheet total rises from 17.8% to 21.5%. Equity is lower and debt is higher.
Key figures and ratios
ROE
10.5%▲
2024 · 7.8%
Debt ≤ 1 year
€67,744▲
2024 · €56,002
Income taxes
€14,438▲
2024 · €11,633
Staff costs
€37,547▲
2024 · €35,645
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 | €28,574 | €31,457 | €33,127 | €35,645 | €37,547 | ▲ 5.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €511 | €511 | €511 | €269 | €864 | ▲ 222% |
| Other operating charges640/8 | €1,444 | €1,469 | €1,290 | €1,408 | €1,462 | ▲ 3.9% |
| Gross operating margin9900 | €32,429 | €30,066 | €47,452 | €69,464 | €80,803 | ▲ 16.3% |
| Operating profit (loss)9901 | €1,900 | -€3,372 | €12,524 | €32,143 | €40,929 | ▲ 27.3% |
| Financial income75/76B | - | - | €2 | €11 | €25 | ▲ 125% |
| Recurring financial income75 | - | - | €2 | €11 | €25 | ▲ 125% |
| Financial charges65/66B | €77 | €74 | €96 | €78 | €139 | ▲ 77.6% |
| Recurring financial charges65 | €77 | €74 | €96 | €78 | €139 | ▲ 77.6% |
| Profit (loss) for the period before taxes9903 | €1,823 | -€3,445 | €12,429 | €32,076 | €40,816 | ▲ 27.2% |
| Income taxes67/77 | €1,379 | €129 | €4,257 | €11,633 | €14,438 | ▲ 24.1% |
| Profit (loss) for the period9904 | €445 | -€3,575 | €8,173 | €20,442 | €26,378 | ▲ 29.0% |
| Profit (loss) for the period to be appropriated9905 | €445 | -€3,575 | €8,173 | €20,442 | €26,378 | ▲ 29.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €317,750 | €316,824 | €314,599 | €318,100 | €318,615 | ▲ 0.2% |
| Fixed assets21/28 | €307,530 | €307,019 | €306,507 | €306,239 | €308,233 | ▲ 0.7% |
| Intangible fixed assets21 | €305,701 | €305,701 | €305,701 | €305,701 | €305,701 | = |
| Tangible fixed assets22/27 | €1,829 | €1,318 | €806 | €537 | €2,531 | ▲ 371% |
| Land and buildings22 | €1,343 | €1,075 | €806 | €537 | €269 | ▼ 50.0% |
| Plant, machinery and equipment23 | €486 | €243 | €0 | - | - | - |
| Furniture and vehicles24 | - | - | - | - | €2,263 | - |
| Current assets29/58 | €10,219 | €9,805 | €8,092 | €11,861 | €10,383 | ▼ 12.5% |
| Amounts receivable within one year40/41 | €4,289 | €7,968 | €6,478 | €4,168 | €5,837 | ▲ 40.0% |
| Trade receivables40 | €2,668 | €6,598 | €5,107 | €4,168 | €5,837 | ▲ 40.0% |
| Other amounts receivable41 | €1,621 | €1,371 | €1,371 | €0 | - | - |
| Cash at bank and in hand54/58 | €3,736 | €84 | €983 | €7,693 | €4,546 | ▼ 40.9% |
| Deferred charges and accrued income490/1 | €2,195 | €1,753 | €630 | €0 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €317,750 | €316,824 | €314,599 | €318,100 | €318,615 | ▲ 0.2% |
| Equity10/15 | €236,427 | €232,852 | €241,025 | €261,467 | €250,247 | ▼ 4.3% |
| Contributions10/11 | €43,568 | €43,568 | €43,568 | €43,568 | €43,568 | = |
| Reserves13 | €178,228 | €178,228 | €197,457 | €217,900 | €206,680 | ▼ 5.1% |
| Non-distributable reserves130/1 | €16,857 | €0 | - | - | - | - |
| Reserves not available under the articles1311 | €16,857 | €0 | - | - | - | - |
| Tax-exempt reserves132 | €9,295 | €9,295 | €9,295 | €9,295 | €9,295 | = |
| Distributable reserves133 | €152,076 | €168,933 | €188,162 | €208,605 | €197,385 | ▼ 5.4% |
| Profit (loss) carried forward14 | €14,631 | €11,056 | €0 | - | €0 | - |
| Amounts payable17/49 | €81,323 | €83,972 | €73,574 | €56,633 | €68,368 | ▲ 20.7% |
| Amounts payable within one year42/48 | €79,463 | €83,972 | €72,298 | €56,002 | €67,744 | ▲ 21.0% |
| Trade debts44 | €5,566 | €6,047 | €4,619 | €3,326 | €3,554 | ▲ 6.8% |
| Suppliers440/4 | €5,566 | €6,047 | €4,619 | €3,326 | €3,554 | ▲ 6.8% |
| Taxes, remuneration and social security45 | €73,897 | €77,925 | €67,679 | €52,676 | €28,473 | ▼ 45.9% |
| Taxes450/3 | €1,938 | €2,779 | €3,741 | €12,406 | €13,362 | ▲ 7.7% |
| Remuneration and social security454/9 | €71,960 | €75,146 | €63,939 | €40,270 | €15,111 | ▼ 62.5% |
| Other amounts payable47/48 | €0 | - | - | - | €35,718 | - |
| Accrued charges and deferred income492/3 | €1,860 | €0 | €1,276 | €631 | €624 | ▼ 1.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €445 | -€3,575 | €8,173 | €20,442 | €26,378 | ▲ 29.0% |
| + Depreciation and write-downs630 | €511 | €511 | €511 | €269 | €864 | ▲ 222% |
| Operating cash flow (approximation) | €956 | -€3,063 | €8,684 | €20,711 | €27,242 | ▲ 31.5% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | -€2,858 | - |
| Change in cash | - | -€3,652 | €900 | €6,710 | -€3,147 | ▼ 147% |
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
14-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 14 days late
2025
31-12
Financial
Highest result since 2018net €26,378 ▲29%
Operating result €40,929, net result €26,378, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
31-12
Financial
Back to profitnet €8,173
Net result €8,173 after one loss-making year.
03-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €8,403
Net result €8,403 after 2 loss-making years.
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet -€7,086
Net result drops to -€7,086, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
04-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 4 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 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
6 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, Musson · 2 establishment units since 1983
Ground area
2,030 m²
Building footprint
416 m²
Volume, LiDAR
2,928 m³
2 parcels, Wallonia · tallest building 11.3 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
fimalux
since 19832.022.232.640
fimalux
since 20112.274.955.549
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 85026C1195/00C000 | Wallonia | 1,289 m² | 1 · 233 m² | 8.1 m · 2 fl. |
| 81001A1115/00P013 | Wallonia | 742 m² | 1 · 183 m² | 11.3 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 4,674 companies in sector 66220 we hold annual accounts for 3,222. 2,782 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
Founded02-03-1983
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
69209Other tax advisory services
70200Business and other management consultancy
73200Market research and public opinion polling
E-invoicing
Reachable via Peppol
Peppol ID
0208:0423952257
Also
9925:BE0423952257
Registered
22-06-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.