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FYCIMMO

Active
Private limited companyfounded 201610 yrs activeRue Vichaux 16, 1450 Chastre, BelgiumKBO/BCE: BE 0654.816.910
Summary

The computed 12-month bankruptcy probability of FYCIMMO is 1.5% (moderate). The 2025 annual accounts show negative equity (-€5,584) and a net result of €1,269. Equity is shrinking by ~4.5% per year across the filed fiscal years. The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes · tick = 2024
Profitability70▲+2
Solvency21▲+1
Growth58=
Track record100
Bankruptcy probability, 12 months
1.5% Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity tight (current ratio 1.41 against 0.54 in 2024; short-term debt: 6.5% and cash: 0.1% of total assets), and equity is negative.
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Signals

Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
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 2025
Solvency, return and age of the figures
Solvency
-4.3%
Return on assets
1%
Age of the figures
12 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
neutral · Filed after the deadline
The financial year that closed on 01-10-2025 was due by 01-05-2026 and was filed on 29-05-2026, 28 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 · 9 filings
Deviation from the deadline
2025
28 d late
2024
27 d late
2023
27 d late
2022
17 d early
2021
34 d early
2020
15 d early
2019
5 d late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 3 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 01-10-2026 and is due by 01-05-2027. Nothing is late today. Usually files around 28 May (4 of the last 5 filed years within 44 days of that day).
Companies Code · seven months
Position in the running window
29-09-2026 today01-10-2026 close01-05-2027 deadline
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

On 19 May 2016, FYCIMMO was incorporated.1 Total assets went from EUR 194,518 in 2018 to EUR 129,814 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2025

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Financials · fiscal year 2025, micro schema

Equity
-€5,584▲ 18.5%
2024 · -€6,853
Total assets
€129,814▼ 7.2%
2024 · €139,910
Net result
€1,269
2024 · -€1,336
Working capital
€3,412
2024 · -€7,528
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result€1,064€906▼ 14.8%€1,444▲ 59.3%-€970€1,092
Net result€447€381▼ 14.8%€986▲ 159%-€1,336€1,269
Equity-€6,885▲ 6.1%-€6,504▲ 5.5%-€5,517▲ 15.2%-€6,853▼ 24.2%-€5,584▲ 18.5%
Total assets€155,457▼ 10.6%€143,613▼ 7.6%€143,904▲ 0.2%€139,910▼ 2.8%€129,814▼ 7.2%
Debt€162,342▼ 10.4%€150,117▼ 7.5%€149,421▼ 0.5%€146,763▼ 1.8%€135,398▼ 7.7%
Working capital-€11,999-€9,210▲ 23.2%-€13,671▼ 48.4%-€7,528▲ 44.9%€3,412
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€2,000-€1,000€0€1,000Operating result 2021: €1,064€1,064Net result 2021: €447€447Operating result 2022: €906€906Net result 2022: €381€381Operating result 2023: €1,444€1,444Net result 2023: €986€986Operating result 2024: -€970-€970Net result 2024: -€1,336-€1,336Operating result 2025: €1,092€1,092Net result 2025: €1,269€1,26920212022202320242025-€2,000-€1,000€0€1,000Operating result 2023: €1,444€1,440Net result 2023: €986€986Operating result 2024: -€970-€970Net result 2024: -€1,336-€1,340Operating result 2025: €1,092€1,090Net result 2025: €1,269€1,270202320242025
The operating result returns to profit in 2025: €1,092 after a loss of €970 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €129,814
Fixed assets €118,003 ▼ 10.1%
Current assets €11,810 ▲ 35.6%
Key figures and ratios
2025 value · change against 2024
EBITDA
€14,289▲
2024 · €12,161
Cash flow
€14,466▲
2024 · €11,794
Solvency
-4.3%▲
2024 · -4.9%
Current ratio
1.41▲
2024 · 0.54
Debt to equity
-24.25▼
2024 · -21.41
ROA
1.0%▲
2024 · -1.0%
Interest coverage
49.51▲
2024 · 21.95
Debt ≤ 1 year
€8,398▼
2024 · €16,237
Debt > 1 year
€127,000▼
2024 · €130,526
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 1,379 companies that looked in July 2024 the way this one looks now, 2.4% went bankrupt within 24 months and 94% are still going.

  • Micro
  • 10 to 20 years old
  • negative equity
  • a profit under 5% of the balance sheet
2.4% went bankrupt
3.2% stopped otherwise
94% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 1.5% 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 497,338 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% 1.9%
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 1,379 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 against 2024 · 36 lines
Balance sheet Code20242025
Assets
Total assets20/58€139,910€129,814▼
Fixed assets21/28€131,200€118,003▼
Tangible fixed assets22/27€131,200€118,003▼
Land and buildings22€131,200€118,003▼
Current assets29/58€8,709€11,810▲
Amounts receivable within one year40/41€6,999€9,720▲
Other amounts receivable41€6,999€9,720▲
Cash at bank and in hand54/58-€65
Deferred charges and accrued income490/1€1,711€2,025▲
Equity and liabilities
Total equity and liabilities10/49€139,910€129,814▼
Equity10/15-€6,853-€5,584▲
Contributions10/11€25,000€25,000=
Profit (loss) carried forward14-€31,853-€30,584▲
Amounts payable17/49€146,763€135,398▼
Amounts payable after more than one year17€130,526€127,000▼
Financial debts170/4€3,526-
Other amounts payable178/9€127,000€127,000=
Amounts payable within one year42/48€16,237€8,398▼
Current portion of amounts payable after more than one year42€3,685€3,326▼
Trade debts44€2,303€1,264▼
Suppliers440/4€2,303€1,264▼
Other amounts payable47/48€10,249€3,808▼
Income statement Code20242025
Non-recurring operating income76A€348-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13,130€13,197▲
Other operating charges640/8€781€800▲
Gross operating margin9900€12,942€15,090▲
Operating profit (loss)9901-€970€1,092▲
Financial income75/76B€187€466▲
Recurring financial income75€187€466▲
Financial charges65/66B€554€289▼
Recurring financial charges65€554€289▼
Profit (loss) for the period before taxes9903-€1,336€1,269▲
Profit (loss) for the period9904-€1,336€1,269▲
Profit (loss) for the period to be appropriated9905-€1,336€1,269▲
Appropriation of the result
Profit (loss) to be appropriated9906-€31,853-€30,584▲
Profit (loss) brought forward from the previous period14P-€30,517-€31,853▼

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Non-recurring operating income76A---€348--
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11,871€11,871€12,121€13,130€13,197▲ 0.5%
Other operating charges640/8-€701€710€781€800▲ 2.4%
Gross operating margin9900€14,159€13,478€14,275€12,942€15,090▲ 16.6%
Operating profit (loss)9901€1,064€906€1,444-€970€1,092▲ 213%
Financial income75/76B---€187€466▲ 149%
Recurring financial income75---€187€466▲ 149%
Financial charges65/66B-€525€458€554€289▼ 47.9%
Recurring financial charges65€616€525€458€554€289▼ 47.9%
Profit (loss) for the period before taxes9903€447€381€986-€1,336€1,269▲ 195%
Profit (loss) for the period9904€447€381€986-€1,336€1,269▲ 195%
Profit (loss) for the period to be appropriated9905€447€381€986-€1,336€1,269▲ 195%
Line20212022202320242025Change
Assets
Total assets20/58€155,457€143,613€143,904€139,910€129,814▼ 7.2%
Fixed assets21/28€155,061€143,190€142,365€131,200€118,003▼ 10.1%
Tangible fixed assets22/27€155,061€143,190€142,365€131,200€118,003▼ 10.1%
Land and buildings22-€143,190€142,365€131,200€118,003▼ 10.1%
Current assets29/58€396€423€1,539€8,709€11,810▲ 35.6%
Amounts receivable within one year40/41---€6,999€9,720▲ 38.9%
Other amounts receivable41---€6,999€9,720▲ 38.9%
Cash at bank and in hand54/58€3€1€74-€65-
Deferred charges and accrued income490/1-€421€1,465€1,711€2,025▲ 18.3%
Equity and liabilities
Total equity and liabilities10/49€155,457€143,613€143,904€139,910€129,814▼ 7.2%
Equity10/15-€6,885-€6,504-€5,517-€6,853-€5,584▲ 18.5%
Contributions10/11-€25,000€25,000€25,000€25,000=
Profit (loss) carried forward14-€31,885-€31,504-€30,517-€31,853-€30,584▲ 4.0%
Amounts payable17/49€162,342€150,117€149,421€146,763€135,398▼ 7.7%
Amounts payable after more than one year17€149,947€140,484€134,211€130,526€127,000▼ 2.7%
Financial debts170/4-€10,984€7,211€3,526--
Other amounts payable178/9-€129,500€127,000€127,000€127,000=
Amounts payable within one year42/48€12,395€9,633€15,210€16,237€8,398▼ 48.3%
Current portion of amounts payable after more than one year42-€3,663€3,773€3,685€3,326▼ 9.8%
Trade debts44€1,316€1,364€1,479€2,303€1,264▼ 45.1%
Suppliers440/4-€1,364€1,479€2,303€1,264▼ 45.1%
Other amounts payable47/48-€4,606€9,958€10,249€3,808▼ 62.8%
Line20212022202320242025Change
Profit (loss) for the period9904€447€381€986-€1,336€1,269▲ 195%
+ Depreciation and write-downs630€11,871€11,871€12,121€13,130€13,197▲ 0.5%
Operating cash flow (approximation)€12,318€12,252€13,107€11,794€14,466▲ 22.7%
Investment in fixed assets (approximation)-€0-€11,295-€1,966€0▲ 100%
Change in cash--€1€72---

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

Next filing, fiscal year 2026, expected by 01-05-2027
2026
29-05
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
01-10
Financial Back to profitnet €1,269
Net result €1,269 after one loss-making year.
01-10
Financial Liquidity triplescurrent ratio 1.41
Current ratio from 0.54 to 1.41; short-term debt falls from €16,237 to €8,398.
28-05
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
28-05
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
14-04
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
28-03
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
01-10
Financial Back to profitnet €447
Net result €447 after 3 loss-making years.
16-04
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
01-10
Financial Liquidity doublescurrent ratio 1.22
Current ratio from 0.54 to 1.22; short-term debt falls from €6,899 to €5,719.
06-05
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 5 days late
2019
17-04
NBB filing Annual accounts filed
fiscal year 2018 · micro schema
2018
19-04
NBB filing Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts

We know of 2 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
2 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, Chastre · 1 establishment unit since 2016
seat establishment The establishment unit on the map
Ground area
1,294 m²
Building footprint
138 m²
Volume, LiDAR
1,011 m³
Parcel 25022C0382/00A000, Wallonia · tallest building 9.1 m, ±3 floors. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
FYCIMMO
Rue Vichaux 16, 1450 ChastreActivities auxiliary to financial services and insurance activities
since 20162.253.172.913
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
25022C0382/00A000 Wallonia 1,294 m² 1 · 138 m² 9.1 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.

Identification & contact

Identification
Legal formPrivate limited company
Founded19-05-2016
Fiscal year end01-10
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

What can you do?

Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance

If you follow this company, Checked tells you the day it appears in the Peppol register.

Register as of 29 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.