FONCIERE ENGIS
ActiveSummary
FONCIERE ENGIS has been active since 1974 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7.25M and a net result of €241k. Equity is growing by ~7% per year across the filed fiscal years. Its solvency ranks better than 21% of 121 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
47
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability23▲+1
Solvency46▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €340k at 30 days acceptable
Liquidity short (current ratio 0.01 against 0.02 in 2024; short-term debt: 79.2% and cash: 0.2% of total assets), and 79.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 24
Relative position
BE, all sectors
reference
Sector 24
higher
← 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 2025Solvency, return and age of the figures
Solvency
20.6%
Return on assets
0.7%
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 121 sector peers (2025).
NBB · sector comparisonPosition among 121 sector peers
Solvency
better than 21%
← weakest
strongest →
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 15-06-2026, 46 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
46 d early
2024
29 d early
2023
35 d early
2022
40 d early
2021
64 d late
2020
26 d early
2019
7 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€241k▼ 19.4%
2024 · €300k
2018: €109k
2019: €155k
2020: €105k
2021: €1.29M
2022: €414k
2023: €414k
2024: €300k
2018 → 2025
Working capital
€-27.53M▲ 1.0%
2024 · €-27.82M
2018: €-8.33M
2019: €-7.51M
2020: €-11.28M
2021: €-16.76M
2022: €-11.19M
2023: €-11.68M
2024: €-27.82M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€5.89M-€6.30M▲ 6.9%€6.71M▲ 6.5%€7.01M▲ 4.4%€7.25M▲ 3.4%
Operating result€124k-€278k▲ 124%€350k▲ 25.8%€380k▲ 8.6%€371k▼ 2.4%
Net result€1.29M-€414k▼ 68.0%€414k▲ 0.1%€300k▼ 27.7%€241k▼ 19.4%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 2% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €35.25M
Fixed assets
€34.88M ▼ 0.2%
Current assets
€372k ▼ 29.0%
Equity and liabilities €35.25M
Equity
€7.25M ▲ 3.4%
Debt
€28.01M ▼ 1.6%
Debt's share of the balance-sheet total falls from 80.2% to 79.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€431k▼
2024 · €437k
Cash flow
€302k▼
2024 · €357k
Current ratio
0.01▼
2024 · 0.02
Debt to equity
3.87▼
2024 · 4.06
ROE
3.3%▼
2024 · 4.3%
ROA
0.7%▼
2024 · 0.8%
Interest coverage
0.38▲
2024 · 0.30
Debt ≤ 1 year
€27.91M▼
2024 · €28.35M
Debt > 1 year
€18k▲
2024 · €16k
Income taxes
€777▼
2024 · €8k
Staff costs
€368k▲
2024 · €330k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 69 lines
Balance sheet
Code20242025
Assets
Total assets20/58€35.48M€35.25M▼
Fixed assets21/28€34.95M€34.88M▼
Tangible fixed assets22/27€885k€845k▼
Land and buildings22€702k€676k▼
Plant, machinery and equipment23€178k€169k▼
Furniture and vehicles24€0€0=
Assets under construction and advance payments27€4k€0▼
Financial fixed assets28€34.07M€34.04M▼
Affiliated companies280/1€34.07M€34.04M▼
Participating interests280€16.82M€16.82M=
Amounts receivable281€17.25M€17.22M▼
Other financial fixed assets284/8€50€50=
Amounts receivable and cash guarantees285/8€50€50=
Current assets29/58€524k€372k▼
Amounts receivable within one year40/41€475k€306k▼
Trade receivables40€427k€249k▼
Other amounts receivable41€48k€57k▲
Cash at bank and in hand54/58€49k€66k▲
Equity and liabilities
Total equity and liabilities10/49€35.48M€35.25M▼
Equity10/15€7.01M€7.25M▲
Contributions10/11€2.98M€2.98M=
Capital10€2.98M€2.98M=
Issued capital100€2.98M€2.98M=
Revaluation surpluses12€44k€44k=
Reserves13€400k€400k=
Non-distributable reserves130/1€298k€298k=
Legal reserve130€298k€298k=
Tax-exempt reserves132€102k€102k=
Profit (loss) carried forward14€3.54M€3.78M▲
Investment grants15€54k€50k▼
Amounts payable17/49€28.47M€28.01M▼
Amounts payable after more than one year17€16k€18k▲
Other amounts payable178/9€16k€18k▲
Amounts payable within one year42/48€28.35M€27.91M▼
Financial debts43€28.24M€27.78M▼
Credit institutions430/8€25.70M€24.42M▼
Other loans439€2.54M€3.36M▲
Trade debts44€12k€25k▲
Suppliers440/4€12k€25k▲
Taxes, remuneration and social security45€89k€104k▲
Taxes450/3€24k€26k▲
Remuneration and social security454/9€66k€78k▲
Accrued charges and deferred income492/3€107k€84k▼
Income statement
Code20242025
Operating income70/76A€883k€932k▲
Other operating income74€883k€932k▲
Non-recurring operating income76A€0€0=
Operating charges60/66A€503k€561k▲
Services and other goods61€65k€80k▲
Remuneration, social security and pensions62€330k€368k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€57k€60k▲
Other operating charges640/8€51k€53k▲
Operating profit (loss)9901€380k€371k▼
Financial income75/76B€1.40M€1.00M▼
Recurring financial income75€1.40M€1.00M▼
Income from financial fixed assets750€1.40M€998k▼
Other financial income752/9€4k€4k=
Financial charges65/66B€1.48M€1.13M▼
Recurring financial charges65€1.48M€1.13M▼
Debt charges650€1.48M€1.13M▼
Other financial charges652/9€800€795▼
Profit (loss) for the period before taxes9903€308k€242k▼
Income taxes67/77€8k€777▼
Taxes670/3€13k€777▼
Tax adjustments and reversals of tax provisions77€4k€0▼
Profit (loss) for the period9904€300k€241k▼
Profit (loss) for the period to be appropriated9905€300k€241k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3.54M€3.78M▲
Profit (loss) brought forward from the previous period14P€3.24M€3.54M▲
Social balance
Average headcount (FTE)90873.43.5▲
The notes to these accounts (57 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
15-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
03-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 64 days late
2021
31-12
Financial
Highest result since 2018net €1.29M ▲1131%
Net result €1.29M, the highest in the series.
31-12
Financial
Equity above €5MEq €5.89M ▲28%
4 profitable years in a row build equity to €5.89M.
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Weakest financial yearnet €105k ▼32.4%
Net result drops to €105k, the lowest in the series; recovery starts the following year.
07-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 7 days late
2019
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
10-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
09-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 9 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
15 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, Engis · 1 establishment unit since 1974
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.
Rue du Parc industriel 54480 Engis1 establishment unit
Rue du Parc industriel 5, 4480 Engis
since 19742.009.627.192
Similar companies · same sector, comparable size
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Of 191 companies in sector 24100 we hold annual accounts for 134. 63 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded18-03-1974
Fiscal year end31-12
Activities, NACEBEL 2025
24100Manufacture of basic metals
46820Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filings
Scores and ratios are computed by Checked and are not a credit decision.