Financials
- Financial year
- 2025
- Total assets
- €19.7m
- Profit
- €1.2m
- Solvency
- 58.8%
Total assets▲ 15.0%
Net result
20192025
FISBOI
ActiveSummary
FISBOI has been active since 1987 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €11.6m and a net result of €1.2m. Equity is growing by about 5.7% per year across the filed financial years. Its solvency ranks better than 67% of 5,765 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Overview
Activity
Renting and operating of own or leased non-residential real estate, excluding land
NACE 68203
Largest company by equity in Ciney, Real estate sector1 site
Size
€19.7mtotal assets 2025
- Equity
- €11.6m
- Profit
- €1.2m
Structure
- Caroline FILSFILSDirector
- FB WOODManaging director · permanent representative Benjamin FILSFILS
- Géraidine FilsfilsDirector
2025 accounts 13 days early4 of 12 deeds summarised
Why 97raises riskLiquidity: current ratio 7.69, cash €596,636Profit of €1.2m (financial year 2025)lowers riskSize: total assets €19.7mFigures for financial year 2025 (filed 21-04-2026)Show the evidence
Checked score
Score 2025
97
/ 100
Excellent
Probability in this band: under 0.55%
Financially better than 73% of its sector peers (NACE 68, medium-sized)
Financial strength · tick = 2024
Strong
Solvency
84-8
equity 58.8% of total assets
Liquidity
54+3
short-term debt 7.6% · cash 3.0%
Profitability
77-23
return on assets 6.2%
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: < 0.1%
12-2024: < 0.1%● unchanged vs 11-2024
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025lowest value
04-2025: < 0.1%● unchanged vs 03-2025lowest value
05-2025: < 0.1%● unchanged vs 04-2025lowest value
06-2025: < 0.1%● unchanged vs 05-2025lowest value
07-2025: < 0.1%● unchanged vs 06-2025lowest value
08-2025: < 0.1%● unchanged vs 07-2025lowest value
09-2025: < 0.1%● unchanged vs 08-2025lowest value
10-2025: < 0.1%● unchanged vs 09-2025lowest value
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: 0.1%▲ +0.1 percentage points vs 03-2026highest value
05-2026: < 0.1%▼ -0.1 percentage points vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
Credit of up to €1,100,000 on 30-day terms is acceptable
Liquidity ample (current ratio 7.69, compared with 5.14 in 2024, above the usual 1.5; short-term debt: 7.6% and cash: 3% of total assets), and 41.2% of the assets are financed with debt and provisions.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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 68, medium-sized): better than 76% on solvency, 80% on liquidity, 89% on profitability and 46% on growth.
The bankruptcy probability was computed on 25-10-2026 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.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 17-04-2026, 13 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
13 days early
2024
49 days early
2023
4 days early
2022
11 days late
2021
30 days early
2020
7 days early
2019
29 days late
← 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 9 days before the deadline; the sector median (NACE 68) for financial year 2024 is 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 17 April (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end25-10-2026 today30-04-2027 deadline
- RestructuringPermanent representative: Benjamin Filsfils ·…
- Annual accounts filedfinancial year 2025 · full…
- Annual accounts filedfinancial year 2024 · full…
Key points
By topic
Board & ownership
- Board
- 3 members
- Caroline FILSFILSDirector
- FB WOODManaging director
- Géraidine FilsfilsDirector
Network & group
- Mergers and asset contributions
- 2
Timeline
- Events
- 45
- Since
- 1990
- Next accounts
- by 30-04-2027
- 23-12-2024Reappointments: Emmanuelle FILSFILS, Caroline FILSFILS and 2…
- 30-09-2024Highest result from 2019 to 2025
- 30-09-2024Liquidity more than quadruples
Company details
- Sites
- 1
- Legal form
- Public limited company
- Activity
- Renting and operating of own or leased non-residential…NACE 68203
- Founded
- 16-12-1987
- Year ends
- 30-09
- Peppol
- Reachable for e-invoices
Articles of association
- Provisions read
- 34
- Purpose
- “De prêter son assistance, d'effectuer tous travaux, études et missions, de donner des…” (deed in French)
Key facts about FISBOI
- What is the company number of FISBOI?
- 0432.848.345. In Belgium the VAT number is the company number with BE in front: BE 0432.848.345.
- Where is FISBOI based?
- The registered office is at Avenue Schlogel 115, 5590 Ciney.Company details
- What does FISBOI do?
- According to the KBO register, the main activity is renting and operating of own or leased non-residential real estate, excluding land (NACE 68203).
- What is the legal form of FISBOI?
- Public limited company (NV).
- When was FISBOI founded?
- On 16-12-1987.
- Is FISBOI still active?
- Yes, FISBOI is an active enterprise in the KBO register.
- What is the turnover of FISBOI?
- Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
- Is FISBOI profitable?
- In financial year 2025, FISBOI made a profit of €1.2m.
- Where can I find the annual accounts of FISBOI?
- FISBOI filed 37 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of FISBOI due?
- By 30-04-2027, for financial year 2026.Timeline
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