Summary
FISMIR 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 €341,247 and a net result of €1,701. Equity is growing by ~18.2% per year across the filed fiscal years. Its solvency ranks better than 60% of 8094 sector peers (fiscal year 2025). The company has been active since 2017 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 20-07-2026, 11 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
11 d early
2024
6 d early
2023
30 d late
2022
17 d early
2021
31 d late
2020
22 d early
2019
9 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 1 day before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% 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 25 July (5 of the last 5 filed years within 37 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, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€341,247▼ 4.5%
2024 · €357,378
Net result
€1,701
2024 · -€26,687
Total assets
€539,839▼ 4.0%
2024 · €562,497
Solvency
63.2%▼ 0.3pp
2024 · 63.5%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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
Turnover
Operating result€48,513▼ 37.0%€52,644▲ 8.5%€18,300▼ 65.2%-€18,958€9,784
Net result€30,727within the sector's middle half▼ 42.7%€45,694within the sector's middle half▲ 48.7%€32,610within the sector's middle half▼ 28.6%-€26,687below the sector's middle half€1,701below the sector's middle half
Equity€223,966within the sector's middle half▲ 15.4%€364,621within the sector's middle half▲ 62.8%€384,898within the sector's middle half▲ 5.6%€357,378within the sector's middle half▼ 7.1%€341,247within the sector's middle half▼ 4.5%
Total assets€303,035within the sector's middle half▲ 1.3%€419,992within the sector's middle half▲ 38.6%€423,027within the sector's middle half▲ 0.7%€562,497within the sector's middle half▲ 33.0%€539,839within the sector's middle half▼ 4.0%
Debt€79,068▼ 24.8%€54,139▼ 31.5%€36,897▼ 31.8%€203,887▲ 453%€197,360▼ 3.2%
Working capital€34,648within the sector's middle half▲ 102%€173,333above the sector's middle half▲ 400%€230,566above the sector's middle half▲ 33.0%€146,521within the sector's middle half▼ 36.5%€22,067within the sector's middle half▼ 84.9%
Solvency73.9%within the sector's middle half▲ 9.1pp86.8%above the sector's middle half▲ 12.9pp91.0%above the sector's middle half▲ 4.2pp63.5%within the sector's middle half▼ 27.5pp63.2%within the sector's middle half▼ 0.3pp
Current ratio2.17within the sector's middle half▲ 0.718.75above the sector's middle half▲ 6.5714.06above the sector's middle half▲ 5.317.71above the sector's middle half▼ 6.351.80within the sector's middle half▼ 5.91
Return on assets (ROA)10.1%within the sector's middle half▼ 7.8pp10.9%within the sector's middle half▲ 0.7pp7.7%within the sector's middle half▼ 3.2pp-4.7%below the sector's middle half▼ 12.5pp0.3%below the sector's middle half▲ 5.1pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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 returns to profit in 2025: €9,784 after a loss of €18,958 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €539,839
Fixed assets
€490,254 ▲ 24.4%
Current assets
€49,585 ▼ 70.5%
Equity and liabilities €539,839
Equity
€341,247 ▼ 4.5%
Provisions
€1,232 =
Debt
€197,360 ▼ 3.2%
Debt's share of the balance-sheet total rises from 36.2% to 36.6%. Equity and debt are lower.
Key figures and ratios
ROE
0.5%▲
2024 · -7.5%
Debt ≤ 1 year
€27,518▲
2024 · €21,826
Debt > 1 year
€168,381▼
2024 · €181,495
Income taxes
€693▲
2024 · €518
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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €42,710 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8,204 | €17,762 | €27,681 | €68,886 | €55,095 | ▼ 20.0% |
| Other operating charges640/8 | €849 | €986 | €3,206 | €4,133 | €4,132 | = |
| Gross operating margin9900 | €57,566 | €71,392 | €49,187 | €54,060 | €69,012 | ▲ 27.7% |
| Operating profit (loss)9901 | €48,513 | €52,644 | €18,300 | -€18,958 | €9,784 | ▲ 152% |
| Financial income75/76B | €26 | €1,500 | €22,975 | €352 | €1,244 | ▲ 254% |
| Recurring financial income75 | €26 | €1,500 | €22,975 | €352 | €1,244 | ▲ 254% |
| Financial charges65/66B | €1,411 | €1,099 | €1,295 | €7,562 | €8,634 | ▲ 14.2% |
| Recurring financial charges65 | €1,411 | €1,099 | €1,295 | €7,562 | €8,634 | ▲ 14.2% |
| Profit (loss) for the period before taxes9903 | €47,129 | €53,045 | €39,981 | -€26,169 | €2,395 | ▲ 109% |
| Income taxes67/77 | €16,401 | €7,352 | €7,371 | €518 | €693 | ▲ 33.8% |
| Profit (loss) for the period9904 | €30,727 | €45,694 | €32,610 | -€26,687 | €1,701 | ▲ 106% |
| Profit (loss) for the period to be appropriated9905 | €30,727 | €45,694 | €32,610 | -€26,687 | €1,701 | ▲ 106% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €303,035 | €419,992 | €423,027 | €562,497 | €539,839 | ▼ 4.0% |
| Fixed assets21/28 | €238,819 | €224,280 | €174,805 | €394,151 | €490,254 | ▲ 24.4% |
| Tangible fixed assets22/27 | €5,131 | €54,086 | €101,460 | €320,806 | €400,670 | ▲ 24.9% |
| Land and buildings22 | - | €51,883 | €52,032 | €269,046 | €255,764 | ▼ 4.9% |
| Plant, machinery and equipment23 | - | - | €2,082 | €1,870 | €1,658 | ▼ 11.4% |
| Furniture and vehicles24 | €2,016 | €2,202 | €47,346 | €36,896 | €25,476 | ▼ 31.0% |
| Leasing and similar rights25 | €3,115 | - | - | - | - | - |
| Other tangible fixed assets26 | - | - | - | €12,994 | €117,773 | ▲ 806% |
| Financial fixed assets28 | €233,688 | €170,195 | €73,345 | €73,345 | €89,584 | ▲ 22.1% |
| Current assets29/58 | €64,216 | €195,712 | €248,222 | €168,346 | €49,585 | ▼ 70.5% |
| Amounts receivable within one year40/41 | - | €49,309 | €121,265 | €1,035 | €4,500 | ▲ 335% |
| Other amounts receivable41 | - | €49,309 | €121,265 | €1,035 | €4,500 | ▲ 335% |
| Cash at bank and in hand54/58 | €64,029 | €144,324 | €126,207 | €165,836 | €43,440 | ▼ 73.8% |
| Deferred charges and accrued income490/1 | €187 | €2,079 | €751 | €1,476 | €1,645 | ▲ 11.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €303,035 | €419,992 | €423,027 | €562,497 | €539,839 | ▼ 4.0% |
| Equity10/15 | €223,966 | €364,621 | €384,898 | €357,378 | €341,247 | ▼ 4.5% |
| Contributions10/11 | €120,200 | €123,411 | €123,411 | €123,411 | €123,411 | = |
| Reserves13 | €102,309 | €239,657 | €261,487 | €233,967 | €217,835 | ▼ 6.9% |
| Non-distributable reserves130/1 | €1,009 | - | - | - | - | - |
| Reserves not available under the articles1311 | €1,009 | - | - | - | - | - |
| Tax-exempt reserves132 | - | €4,929 | €4,929 | €4,929 | €4,929 | = |
| Distributable reserves133 | €101,300 | €234,728 | €256,557 | €229,037 | €212,906 | ▼ 7.0% |
| Profit (loss) carried forward14 | €1,458 | €1,552 | - | - | - | - |
| Provisions and deferred taxes16 | - | €1,232 | €1,232 | €1,232 | €1,232 | = |
| Deferred taxes168 | - | €1,232 | €1,232 | €1,232 | €1,232 | = |
| Amounts payable17/49 | €79,068 | €54,139 | €36,897 | €203,887 | €197,360 | ▼ 3.2% |
| Amounts payable after more than one year17 | €49,501 | €31,760 | €19,240 | €181,495 | €168,381 | ▼ 7.2% |
| Financial debts170/4 | €49,501 | €31,760 | €19,240 | €181,495 | €168,381 | ▼ 7.2% |
| Amounts payable within one year42/48 | €29,567 | €22,379 | €17,657 | €21,826 | €27,518 | ▲ 26.1% |
| Current portion of amounts payable after more than one year42 | €18,890 | €17,740 | €12,520 | €19,134 | €13,114 | ▼ 31.5% |
| Trade debts44 | €155 | €2,950 | €341 | €262 | €1,698 | ▲ 548% |
| Suppliers440/4 | €155 | €2,950 | €341 | €262 | €1,698 | ▲ 548% |
| Taxes, remuneration and social security45 | €3,898 | €889 | €3,521 | €1,122 | €1,120 | ▼ 0.2% |
| Taxes450/3 | €3,898 | €889 | €3,521 | €1,122 | €1,120 | ▼ 0.2% |
| Other amounts payable47/48 | €6,625 | €800 | €1,274 | €1,307 | €11,586 | ▲ 786% |
| Accrued charges and deferred income492/3 | - | - | - | €566 | €1,461 | ▲ 158% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €30,727 | €45,694 | €32,610 | -€26,687 | €1,701 | ▲ 106% |
| + Depreciation and write-downs630 | €8,204 | €17,762 | €27,681 | €68,886 | €55,095 | ▼ 20.0% |
| Operating cash flow (approximation) | €38,931 | €63,455 | €60,291 | €42,199 | €56,797 | ▲ 34.6% |
| Investment in fixed assets (approximation) | - | -€3,223 | €21,795 | -€288,232 | -€151,199 | ▲ 47.5% |
| Change in cash | - | €80,295 | -€18,117 | €39,629 | -€122,396 | ▼ 409% |
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
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €1,701
Net result €1,701 after one loss-making year.
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet -€26,687
Net result drops to -€26,687, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity quadruplescurrent ratio 8.75
Current ratio from 2.17 to 8.75; short-term debt falls from €29,567 to €22,379.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Equity above €200,000Eq €223,966 ▲15.4%
4 profitable years in a row build equity to €223,966.
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €53,669 ▲196%
Operating result €77,045, net result €53,669, both a record.
31-12
Financial
Equity above €150,000Eq €194,039 ▲38.2%
3 profitable years in a row build equity to €194,039.
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
10-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Kortemark · 1 establishment unit since 2017
Ground area
505 m²
Building footprint
154 m²
Volume, LiDAR
1,077 m³
Parcel 32011C1039/00K004, Flanders · tallest building 12.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
FISMIR
since 20172.265.077.187
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 32011C1039/00K004 | Flanders | 504 m² | 1 · 154 m² | 12.2 m · 3 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
1 holdingOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 1
-
11.83%
According to the 2025 annual accounts of FISMIR 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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,800. 13,772 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
Founded30-05-2017
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
66191Agents and brokers in banking services
66220Insurance agents and brokers
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0676418513
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.