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FJ Immo

Active
Private limited companyfounded 20242 yrs activeKoningin Astridlaan 87, 2550 Kontich, BelgiumKBO/BCE: BE 1007.799.910
Summary

FJ Immo has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4,792 and a net result of €1,792. Its solvency ranks better than 21% of 14284 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).

Checked score

Score 2025
Axes
Profitability30
Solvency26
Growth-
Track record67
Bankruptcy probability, 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%
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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
0.8%
Return on assets
0.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 14284 sector peers (2025).
NBB · sector comparison
Position among 14284 sector peers
Solvency
better than 21%
← weakest strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 1 filing
Deviation from the deadline
2025
31 d late
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

FJ Immo was incorporated on 29 March 2024 as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€4,792
Total assets
€580,602
Net result
€1,792
Working capital
-€211,766

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €577,822
Fixed assets €562,059
Current assets €15,763
Equity and liabilities €580,602
Equity €4,792
Debt €575,809
Debt finances 99.2% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€33,907
Cash flow
€7,989
Current ratio
0.07
ROE
37.4%
ROA
0.3%
Interest coverage
1.33
Debt ≤ 1 year
€227,529
Debt > 1 year
€348,280
Income taxes
€448
A ratio outside any meaningful range has been withheld (balance sheet total €580,602, equity €4,792).

Peer companies

Historical observation

Of the 1,514 companies that looked in July 2024 the way this one looks now, 2.4% went bankrupt within 24 months and 96% are still going.

  • Small
  • 2 to 5 years old
  • solvency under 10%
  • a profit under 5% of the balance sheet
2.4% went bankrupt
1.5% stopped otherwise
96% still going

A further 0.2% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.0%
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%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 1,514 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 38 lines
Balance sheet Code2025
Assets
Total assets20/58€580,602
Formation expenses20€2,780
Fixed assets21/28€562,059
Tangible fixed assets22/27€562,059
Land and buildings22€558,241
Furniture and vehicles24€3,817
Current assets29/58€15,763
Amounts receivable within one year40/41€13,543
Trade receivables40€11,043
Other amounts receivable41€2,500
Cash at bank and in hand54/58€2,220
Equity and liabilities
Total equity and liabilities10/49€580,602
Equity10/15€4,792
Contributions10/11€3,000
Profit (loss) carried forward14€1,792
Amounts payable17/49€575,809
Amounts payable after more than one year17€348,280
Financial debts170/4€348,280
Amounts payable within one year42/48€227,529
Current portion of amounts payable after more than one year42€21,287
Trade debts44€794
Suppliers440/4€794
Taxes, remuneration and social security45€2,140
Taxes450/3€2,140
Other amounts payable47/48€203,308
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6,196
Other operating charges640/8€702
Gross operating margin9900€34,609
Operating profit (loss)9901€27,711
Financial income75/76B€1
Recurring financial income75€1
Financial charges65/66B€25,471
Recurring financial charges65€25,471
Profit (loss) for the period before taxes9903€2,240
Income taxes67/77€448
Profit (loss) for the period9904€1,792
Profit (loss) for the period to be appropriated9905€1,792
Appropriation of the result
Profit (loss) to be appropriated9906€1,792

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6,196
Other operating charges640/8€702
Gross operating margin9900€34,609
Operating profit (loss)9901€27,711
Financial income75/76B€1
Recurring financial income75€1
Financial charges65/66B€25,471
Recurring financial charges65€25,471
Profit (loss) for the period before taxes9903€2,240
Income taxes67/77€448
Profit (loss) for the period9904€1,792
Profit (loss) for the period to be appropriated9905€1,792
Line2025
Assets
Total assets20/58€580,602
Formation expenses20€2,780
Fixed assets21/28€562,059
Tangible fixed assets22/27€562,059
Land and buildings22€558,241
Furniture and vehicles24€3,817
Current assets29/58€15,763
Amounts receivable within one year40/41€13,543
Trade receivables40€11,043
Other amounts receivable41€2,500
Cash at bank and in hand54/58€2,220
Equity and liabilities
Total equity and liabilities10/49€580,602
Equity10/15€4,792
Contributions10/11€3,000
Profit (loss) carried forward14€1,792
Amounts payable17/49€575,809
Amounts payable after more than one year17€348,280
Financial debts170/4€348,280
Amounts payable within one year42/48€227,529
Current portion of amounts payable after more than one year42€21,287
Trade debts44€794
Suppliers440/4€794
Taxes, remuneration and social security45€2,140
Taxes450/3€2,140
Other amounts payable47/48€203,308
Line2025
Profit (loss) for the period9904€1,792
+ Depreciation and write-downs630€6,196
Operating cash flow (approximation)€7,989

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
31-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
No directors read yet: 0 of 1 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Kontich · 1 establishment unit since 2024
seat establishment The establishment unit on the map
Ground area
978 m²
Building footprint
140 m²
Volume, LiDAR
615 m³
Parcel 11602C0027/00T014, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
3 companies at this address See who is registered here
1 establishment unit
FJ Immo
Koningin Astridlaan 87, 2550 KontichRenting and operating of own or leased residential real estate, excluding social housing
since 20242.358.477.301
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11602C0027/00T014 Flanders 978 m² 1 · 140 m² 7.6 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.

Similar companies · same sector, comparable size

Of 12,040 companies in this sector we hold annual accounts for 6,007. 956 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company details

Identification
Legal formPrivate limited company
Founded29-03-2024
Fiscal year end31-12
Activities, NACEBEL 2025
68203Renting and operating of own or leased non-residential real estate, excluding land
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID 0208:1007799910
Registered 27-03-2026

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.