FNIL
ActiveFNIL has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-17k) and a net result of €-15k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 7% of 3170 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability67▲+33
Solvency33▲+33
Growth68▼-12
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.14 against 0.18 in 2024), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-4.7%
Return on assets
-4.1%
Age of the figures
9 mo
raises risk · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€17k
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 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
36 d early
2023
6 d early
2022
19 d early
2021
11 d early
2020
37 d early
2019
39 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€47k▲ 23.0%
2024 · €38k
2018: €18k
2020: €28k
2021: €36k
2022: €36k
2023: €24k
2024: €38k
2018 → 2025
EBIT margin
-21.0%▼ 22.7pp
2024 · 1.6%
2018: -116.8%
2020: 8.3%
2021: 20.6%
2022: 23.2%
2023: -6.3%
2024: 1.6%
2018 → 2025
Net result
€-15k▼ 5,659%
2024 · €-262
2018: €-23k
2019: €-7k
2020: €2k
2021: €7k
2022: €8k
2023: €-2k
2024: €-262
2018 → 2025
Working capital
€-235k▼ 189%
2024 · €-81k
2018: €-61k
2019: €-62k
2020: €-58k
2021: €-49k
2022: €-45k
2023: €-75k
2024: €-81k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€36k-€36k=€24k▼ 33.3%€38k▲ 57.8%€47k▲ 23.0%
Equity€-3k-€5k€4k▼ 29.3%€671▼ 81.5%€-17k
Operating result€7k-€8k▲ 12.7%€-2k€613€-10k
Net result€7k-€8k▲ 16.2%€-2k€-262▲ 82.6%€-15k▼ 5,659%
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €10k after €613 in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €364k
Fixed assets
€327k▲ 112%
Current assets
€37k▲ 108%
Key figures and ratios
EBITDA
€17k▲
2024 · €6k
Cash flow
€11k▲
2024 · €5k
Solvency
-4.7%▼
2024 · 0.4%
Current ratio
0.14▼
2024 · 0.18
Quick ratio
0.14▼
2024 · 0.18
Debt / equity
-22.30
ROE
88.1%
ROA
-4.1%▼
2024 · -0.2%
Interest coverage
3.14▼
2024 · 14.41
Debt
€381k▲
2024 · €171k
Debt ≤ 1 year
€271k▲
2024 · €99k
Debt > 1 year
€110k▲
2024 · €73k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€172k€364k▲
Formation expenses20€0€0=
Fixed assets21/28€154k€327k▲
Intangible fixed assets21-€5k
Tangible fixed assets22/27€154k€322k▲
Land and buildings22€53k€50k▼
Plant, machinery and equipment23€101k€265k▲
Furniture and vehicles24€614€7k▲
Current assets29/58€18k€37k▲
Amounts receivable within one year40/41€4k€3k▼
Trade receivables40€3k€840▼
Other amounts receivable41€2k€2k▲
Cash at bank and in hand54/58€13k€34k▲
Equity and liabilities
Total equity and liabilities10/49€172k€364k▲
Equity10/15€671€-17k▼
Contributions10/11€6k€6k=
Capital10€6k€6k=
Issued capital100€19k€19k=
Uncalled capital101€12k€12k=
Revaluation surpluses12€52k€50k▼
Profit (loss) carried forward14€-58k€-73k▼
Amounts payable17/49€171k€381k▲
Amounts payable after more than one year17€73k€110k▲
Financial debts170/4€73k€110k▲
Amounts payable within one year42/48€99k€271k▲
Current portion of amounts payable after more than one year42-€56k
Trade debts44€4k€288▼
Suppliers440/4€4k€288▼
Taxes, remuneration and social security45€0€342▲
Taxes450/3€0€342▲
Other amounts payable47/48€95k€215k▲
Income statement
Code20242025
Turnover70€38k€47k▲
Goods, raw materials, services and sundry goods60/61€30k€30k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€26k▲
Other operating charges640/8€2k€403▼
Gross operating margin9900€8k€17k▲
Operating profit (loss)9901€613€-10k▼
Financial income75/76B€28€0▼
Recurring financial income75€28€0▼
Financial charges65/66B€423€5k▲
Recurring financial charges65€423€5k▲
Profit (loss) for the period before taxes9903€217€-15k▼
Income taxes67/77€479-
Profit (loss) for the period9904€-262€-15k▼
Profit (loss) for the period to be appropriated9905€-262€-15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-58k€-73k▼
Profit (loss) brought forward from the previous period14P€-58k€-58k▼
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-08
State Gazette act
Resignations & appointmentsGeneral meeting · Director appointment2 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director appointment2 facts ▸
- General meeting, 2026-07-16
- Director appointment, Nicolas AMIEL (administrateur)
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
12-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Highest result since 2018net €8k ▲16.2%
Operating result €8k, net result €8k, both a record.
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
15-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2026
Nicolas AMIEL
CurrentDirector · since 01-07-2026
01-07-2026
Appointed as Director
Location & real-estate footprint
Registered office, Watermaal-Bosvoorde · 1 establishment unit since 2004
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Klokjeslaan 691170 Watermaal-BosvoordeGround area
259 m²
Building footprint
89 m²
Volume, LiDAR
667 m³
Parcel 21652E0019/00G017, Brussels · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
FNIL
since 20042.143.579.244
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21652E0019/00G017 | Brussels | 259 m² | 1 · 89 m² | 11.6 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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BE 1009.859.971
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AFI CONSULTING
BE 0783.193.539
Sint-Pieters-Woluwe · Eq €668
NOIA
BE 0677.549.651
Herk-de-Stad · Eq €674
Of 82,518 companies in sector 70200 we hold annual accounts for 52,573. 3,695 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-04-1997
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
68110Buying and selling of own real estate
71112Activities of interior architects
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.