Losses
-€938,708 in three years
Every financial year from 2023 to 2025 closed with a loss. 2024 was the heaviest.
FZ IMMO
Overview
Lifetime
3 annual accounts with figures on one time axispeak €1.7m (2025)
€1.7m▲ 14.4%
lowest -€338,201 (2024)
-€337,733▲ €468
peak €12.2m (2023)
-not published
€13.5m▲ 6.7%
peak 2 FTE (2024)
2 FTEunchanged
Board4 names since 2023
3 directorsLAURIENTE Carmine and 2 others
Owners
Documentsfilings and deeds
28-07-20263 days before the deadline
2025financial year
Turnover from €1.5m to €1.7mLoss of €337,733Cash from €102,071 to €36,112
Key points
from the 2025 annual accountsPayment terms
788 days to suppliers
FZ IMMO pays its suppliers 1,551 days earlier than in 2024. Customers pay 8 days later.
Position in the sector
-€337,733
Lower net result than 87% of companies in financial services. Sector median €103,919 · 3,044 companies.
Financial institution: outside the modelBankruptcy probability: sector outside the model
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
1 signal, which does not raise the risk
1 signal.
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 28-07-2026, 3 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
3 days early
2024
16 days early
2023
8 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 9 days before the deadline. In the sector (NACE 64), the median for financial year 2024 was 14 days before the deadline, and 28% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 24 July (3 of the last 3 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0803538003
Appointment: PRAGMA AUDIT - Réviseurs d'Entreprises SRL (statutory auditor)
General meeting of 12-01-2024 · Gazette deed
First establishment
Rue des Sept Actions 39, Charleroi
Incorporation
Demerger: FACOZINC GROUP splits off to FZ IMMO · Appointments: LAURIENTE Carmine, LAURIENTE Vittorio and MASTROSTEFANO Cléonice Danielle Jemma · LAURIENTE Carmine holds 302,834 shares · published on 06-07-2023 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| FZ IMMO Charleroi | €1.7m | -2.4% | - | 2 |
| Tellus Growing Media Solutions Grobbendonk | €1.7m | 4.6% | 52.8% | 1.5 |
| Summit Group Herent | €2.1m | -18.1% | 37.6% | 1.6 |
| GLOBALUC Maasmechelen | €1.1m | 15.5% | 71.3% | 2.5 |
| Multi Logistics Group Hasselt | €1.4m | -13.7% | 63.9% | 3.8 |
| The House of Outdoor Lifestyle Nazareth-De Pinte | €2.0m | 0.2% | 18.0% | 1 |
| QTeam Holding Sint-Niklaas | €1.2m | 6.0% | 84.7% | 1 |
Grey: the largest companies of the sector (financial services (NACE 64)), without their names. Blue: the sector peers from the table.
These companies have the same main activity as FZ IMMO: activities of holding companies (NACE 64210). They are comparable in size and age: total assets between €28m and €39m, founded between 2022 and 2024.
Official details
Source: KBO- Status
- Active since 04-07-2023Normal situation
- Activity
- Activities of holding companiesNACE 64210and 1 other
- Establishment unit
- 2.361.779.4576060 Charleroi, since 02-08-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 23-12-2025
Annual accounts 2025
- €337,733▼ 0.1%
- €25.2m▲ 2.7%
- 2 FTE=
- Filing
- Filed on 28-07-2026, 3 days before the end of the filing period
Insights on FZ IMMO
FZ IMMO has existed since 2023. The present size dates from 2024. Turnover rose that year from €10,484 to €1.5m. On 6 July 2023 FZ IMMO received a branch of activity from FACOZINC GROUP.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
full format, filed on 28-07-2026, 3 days before the deadline-
€25.2m
▲ 2.7%
-€337,733
▲ €468
-
-
-1.3%
unchanged
Money flows
of every €100 of turnover, €20.25 was lost in 2025Balance sheet
balance sheet total €25.2m on 31-12-2025What the company ownsHow it is paid for
in euro
Position in the sector
-
Higher than 54% of 2,595 companies in 2023.
-1.3%
Higher than 16% of 3,034 companies in 2025.
FZ IMMO
Middle half of the sector
80% of the sector
Full accounts in financial services (NACE 64)
Net result: bottom quarter · Balance sheet total: middle half · Staff: middle half
Staff
€80,055
Staff costs divided by the average number of full-time equivalents.
people who joined
people who left
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Balance sheet: assets | ||||
20/58 |
25.2m | 24.6m | 20.3m | |
21/28 |
24.8m | 24.3m | 20.1m | |
21 |
5.8m | 6.2m | 6.6m | |
22/27 |
19.0m | 18.1m | 13.5m | |
22 |
18.9m | 18.1m | 13.5m | |
23 |
64,920 | 12,699 | 0 | |
24 |
10,693 | 15,180 | - | |
26 |
1,519 | 16,462 | 31,404 | |
29/58 |
456,896 | 244,881 | 197,698 | |
40/41 |
402,334 | 124,705 | 97,965 | |
40 |
129,508 | 79,833 | 57,983 | |
41 |
272,826 | 44,872 | 39,981 | |
54/58 |
36,112 | 102,071 | 78,565 | |
490/1 |
18,449 | 18,105 | 21,168 | |
| Balance sheet: equity and liabilities | ||||
10/49 |
25.2m | 24.6m | 20.3m | |
10/15 |
- | - | 12.2m | |
10/11 |
7.7m | 7.7m | 7.7m | |
13 |
347,879 | 350,421 | 352,963 | |
132 |
38,437 | 40,979 | 43,521 | |
133 |
309,442 | 309,442 | 309,442 | |
14 |
2.9m | 3.3m | 3.6m | |
15 |
753,132 | 586,715 | 618,765 | |
16 |
- | - | 119,928 | |
160/5 |
33,410 | 33,410 | 82,377 | |
162 |
33,410 | 33,410 | 82,377 | |
168 |
35,856 | 36,704 | 37,551 | |
17/49 |
13.5m | 12.6m | 7.9m | |
17 |
7.6m | 8.2m | 5.0m | |
170/4 |
7.6m | 8.1m | 5.0m | |
170 |
- | - | 130,209 | |
173 |
6.7m | 7.0m | 3.6m | |
174 |
964,402 | 1.1m | 1.3m | |
178/9 |
13,904 | 11,091 | - | |
42/48 |
5.8m | 4.5m | 3.0m | |
42 |
1.1m | 1.4m | 1.2m | |
44 |
539,160 | 936,345 | 411,782 | |
440/4 |
539,160 | 936,345 | 411,782 | |
46 |
14,298 | - | - | |
45 |
37,040 | 37,751 | 135,919 | |
450/3 |
14,012 | 16,231 | 107,645 | |
454/9 |
23,027 | 21,520 | 28,273 | |
47/48 |
4.1m | 2.1m | 1.2m | |
492/3 |
- | - | 1,699 | |
| Income statement | ||||
70/76A |
2.1m | 1.7m | 1.7m | |
70 |
1.7m | 1.5m | 10,484 | |
74 |
476,997 | 254,953 | 1.7m | |
60/66A |
2.2m | 1.8m | 1.8m | |
60 |
293 | - | - | |
61 |
249,517 | 146,107 | 219,608 | |
62 |
160,109 | 153,315 | 132,188 | |
630 |
1.5m | 1.3m | 1.2m | |
635/8 |
- | -48,966 | - | |
640/8 |
294,833 | 289,479 | 284,486 | |
9901 |
-40,364 | -88,754 | -70,562 | |
75/76B |
- | - | 35,866 | |
75 |
45,345 | 33,285 | 35,866 | |
752/9 |
45,345 | 33,285 | 35,866 | |
65/66B |
336,297 | 271,296 | 185,850 | |
65 |
336,297 | 271,296 | 185,850 | |
650 |
328,028 | 231,413 | - | |
652/9 |
8,270 | 39,883 | 185,850 | |
9903 |
-331,316 | -326,765 | -220,546 | |
780 |
847 | 847 | 847 | |
67/77 |
7,264 | 12,284 | 43,075 | |
670/3 |
7,264 | 12,285 | 43,075 | |
77 |
- | 1 | - | |
9904 |
-337,733 | -338,201 | -262,774 | |
789 |
2,542 | 2,542 | 2,542 | |
9905 |
-335,191 | -335,659 | -260,232 | |
| Appropriation of the result | ||||
9906 |
2.9m | 3.3m | 3.6m | |
14P |
3.3m | 3.6m | 3.9m | |
| Social balance sheet | ||||
9087 |
2 | 2 | 1.8 | |
Men (FTE)1003 |
- | - | 1.8 | |
Hours worked1013 |
- | - | 3,078 | |
| Document | ||||
The notes to these accounts have 60 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 28-07-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| 1.9m | 5.5m | 30.5m | ||
| -65,959 | 23,506 | - | ||
| -2.4% | -6.1% | - | ||
| - | - | 60.3% | ||
| - | - | -2.1% | ||
| -1.3% | -1.4% | -1.3% |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Social balance sheet
| Item | 31-12-2023 |
|---|---|
| Employees at the balance-sheet date | 2 |
| full-time | 2 |
| in full-time equivalents | 2 |
| 1.8 | |
| On a permanent contract | 2 |
| Joined | 2 |
| Left | 0 |
Source: social balance sheet in the 2023 annual accounts
Securities and guarantees
on own assets and for others| Item | 2025 | 2024 | 2023 |
|---|---|---|---|
| Debts secured on the company's own assets | €8.6m | €8.7m | €4.9m |
| - | €13.4m | €13.4m | |
| Carrying value of the mortgaged assets | - | €11.4m | €6.8m |
| €5.0m | €5.0m | €5.3m |
Source: notes to the 2023 to 2025 annual accounts (statement of debts and off-balance-sheet rights and commitments)
Investments
fixed assets acquired| Item | 2025 | 2024 | 2023 |
|---|---|---|---|
| Tangible fixed assets | €1.9m | €5.5m | €22.3m |
| Intangible fixed assets | - | - | €8.3m |
| €1.5m | €1.3m | €1.2m |
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
Auditor
feesThe auditor is PRAGMA AUDIT.
| Item | 2025 | 2024 | 2023 |
|---|---|---|---|
| Fee for the audit | €2,900 | €2,800 | €2,800 |
| Other work by the auditor | - | - | €4,300 |
Source: notes to the 2023 to 2025 annual accounts (relations with the auditor)
Insights on FZ IMMO
The operating result for 2025 is a loss of €40,364, smaller than the loss of €88,754 in 2024.
Large changes and their cause
- 2024 Turnover +13,801% on 2023. Part of FACOZINC GROUP received in a demerger, Official Gazette 06-07-2023, in the previous financial year. That operation now counts for a full year for the first time.
Board & ownership
Board
3 directors, 1 auditor, no change since July 2023Director (not named in the articles)
since 29-06-2023
term without a fixed end
listed in the 2023 annual accounts, filed on 23-07-2024
Director (not named in the articles)
since 29-06-2023
term without a fixed end
listed in the 2023 annual accounts, filed on 23-07-2024
Director (not named in the articles)
since 29-06-2023
term without a fixed end
listed in the 2023 annual accounts, filed on 23-07-2024
Statutory auditor, permanent representative Steve BALCAEN
appointed by deed of 30-09-2024
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Two directors jointlydeed of 06-07-2023
Mandates through the years
4 names, the dashed line is todayLAURIENTE Carmine
Director (not named in the articles)
Director (not named in the articles)
LAURIENTE Vittorio
Director (not named in the articles)
Director (not named in the articles)
MASTROSTEFANO Cléonice Danielle Jemma
Director (not named in the articles)
Director (not named in the articles)
PRAGMA AUDIT
Statutory auditor
Statutory auditor
Boardmandate already running before its first mention
Mandates as a list
- LAURIENTE Carmine
- Director (not named in the articles), from 29-06-2023 to date
- LAURIENTE Vittorio
- Director (not named in the articles), from 29-06-2023 to date
- MASTROSTEFANO Cléonice Danielle Jemma
- Director (not named in the articles), from 29-06-2023 to date
- PRAGMA AUDIT
- Statutory auditor, since before 31-12-2023
Control
consolidates
This company
FZ IMMO
Loss €337,733 in 2025
Capital
- Contribution
- €7,674,123
- Shares
- 908,500 in the 2023 annual accounts
- Contribution per share
- €8.45
- Source
- 2025 annual accounts
Articles of association
deed of 06-07-2023 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- 3 directors“Lieu indiqué dans la convocation ou, à défaut, siège social, président ou deux administrateurs”“Proposition rejetée, moitié au moins des membres présents ou représentés”“Un ou plusieurs de ses membres (administrateur-délégué) ou un ou plusieurs directeurs, organe d'administration peut déléguer la gestion…”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Second Friday of June at 12:00
Capital transactions
Shareholders according to the deeds
Stated in the deed
deed of 06-07-2023 ↗
- LAURIENTE Carmine 302,834 shares
- LAURIENTE Vittorio 302,833 shares
- MASTROSTEFANO Cléonice Danielle Jemma 302,833 shares
Capital over time
- 06-07-2023 Capital stated in the deed · 908,500 shares
Network & group
Parent
FACOZINC GROUP SA
0473.687.127 · total assets €23.3m · loss €1,164 (2025)
At the same address
Rue des Sept Actions 39, 6060 Charleroi · 6 other companies| FACOZINC - FACOMETAL
registered office since 06-04-1988 · founded in 1988 |
177 FTE (2025) 0433.671.558 |
| FACOLOG
registered office since 14-04-2014 · founded in 2009 |
30 FTE (2025) 0821.220.311 |
| FACOZINC GROUP
registered office since 10-06-2002 · founded in 2001 |
total assets €23.3m (2025) 0473.687.127 |
| Mainprod
establishment since 20-07-2011 · founded in 2011 |
total assets €159,579 (2025) 0838.017.939 |
| AUTO TRADE INTERNATIONAL
registered office since 01-03-1993 · founded in 1992 · negative equity (2025) |
total assets €8,322 (2025) 0448.806.132 |
| FACO UNITE
registered office since 01-11-2020 |
founded in 2020 0753.909.239 |
Acquisitions and mergers
1 transactionReceived in a demerger part of:FACOZINC GROUP
Connections & network
3 current directorsThe network starts from the directors of FZ IMMO. Every other company they run is a node.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Timeline
8 events since 2023Board
Filings
Financial
Establishments
2023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBfull format · 3 days before the deadline
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:0803538003
Annual accounts 2024 filed PDFunclassified schema · 16 days before the deadline
2024
Weakest financial year net -€338,201 The net result drops to -€338,201, the lowest from 2023 to 2025. It recovers the following year.
Appointment: PRAGMA AUDIT - Réviseurs d'Entreprises SRL (statutory auditor)General meeting of 12-01-20242 points ▸
- General meeting, 12-01-2024
- Auditor appointment, PRAGMA AUDIT - Réviseurs d'Entreprises SRL (statutory auditor)
Annual accounts 2023 filed PDFunclassified schema · 8 days before the deadline
2023
First establishment Rue des Sept Actions 39, Charleroi
IncorporationDemerger: FACOZINC GROUP splits off to FZ IMMO · Appointments: LAURIENTE Carmine, LAURIENTE Vittorio and MASTROSTEFANO Cléonice Danielle Jemma · LAURIENTE Carmine holds 302,834 shares · published on 06-07-202313 points ▸
- LAURIENTE Carmine holds 302,834 shares
- LAURIENTE Vittorio holds 302,833 shares
- MASTROSTEFANO Cléonice Danielle Jemma holds 302,833 shares
- Auditor report, 27-06-2023
- Capital decrease, €12,547,026.91
- Registered office clause, rue des Sept Actions 39, 6060 GILLY
- Director appointment, LAURIENTE Carmine (director (not named in the articles))
- Director appointment, LAURIENTE Vittorio (director (not named in the articles))
- Director appointment, MASTROSTEFANO Cléonice Danielle Jemma (director (not named in the articles))
- Power of attorney, LAURIENTE Vittorio
- Power of attorney, MASTROSTEFANO Cléonice Danielle Jemma
- General meeting, 29-06-2023
- 908,500 shares
- The deed holds 83 more points.
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Identity
- Enterprise number
- 0803.538.003
- VAT number
- BE 0803.538.003
- Peppol ID
- 0208:0803538003
- Other Peppol ID
- 9925:BE0803538003
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 04-07-2023
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Second Friday of June at 12:00deed of 06-07-2023 (in French)
- Voting ruleThe articles set which majority the meeting decides by, for example a simple or a special majority.
- “Tout actionnaire peut donner à toute autre personne, actionnaire ou non, par tout moyen de transmission, une procuration écrite pour le…”deed of 06-07-2023 (in French)
- Peppol
- Reachable since 23-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- FZ IMMO in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 06-07-2023 (in French)
Activities
NACEBEL 2025VAT activities
64210
Activities of holding companies main activity
Social security (RSZ) activities
64210
Activities of holding companies main activity
Codes under NACEBEL 2008
VAT activities
64200
Holdings main activity
68203
Real estate rental
Social security (RSZ) activities
64200
Holdings main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Toutes opérations d'achat, de vente, d'aliénation partielle ou totale, de promotion, d'entretien, de construction, de réparation, de…”deed of 06-07-2023 (in French)
8 activities
- Toutes opérations d'achat, de vente, d'aliénation partielle ou totale, de promotion, d'entretien, de construction, de réparation, de location, d'exploitation, de gestion, de mise en valeur, de lotissement de tous immeubles, parties divises ou indivises d'immeubles généralement quelconques
- Participer à des opérations de leasing ou location-financement de biens immeubles
- L'octroi de tous prêts, avances et garanties, ainsi que la réalisation de toutes opérations financières
- Acquérir des participations dans une société ayant un objet identique, similaire ou utile à la réalisation de son objet social
- Faire d'une façon générale toutes opérations industrielles, financières, commerciales ou civiles, mobilières ou immobilières ayant un rapport direct ou indirect avec son objet
- S'intéresser par toutes voies (association, apport, souscription, cession, participation, fusion, intervention financière ou autrement) dans toutes sociétés, associations et entreprises ayant un objet identique, analogue ou connexe ou étant de nature à favoriser le développement de son entreprise
- Agir en Belgique et à l'étranger pour toute opération
- Être administrateur ou liquidateur
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Rue des Sept Actions 39 registered office 6060 Charleroi | 02-08-2023 | 2.361.779.457 |
Buildings and parcels at the address
- Ground area
- 9,711 m²
- Buildings
- 1,777 m²
- Volume, LiDAR
- 16,577 m³
- Tallest building
- 13.4 m
Buildings to scale, each on its own parcel
Environmental permits
2 applications in Flanders since 2024 · 1 under review| 13-04-2026 | Under review | Het reliëf van de bodem aanmerkelijk wijzigen project 2025156303 | Sint-Pieters-Leeuw |
| 03-06-2024 | Discontinued | Bomen vellen die geen deel uitmaken van een bos en/of bodemreliëf wijzigen; Bouwen of herbouwen; Het reliëf van de bodem aanmerkelijk wijzigen; Nieuwbouw of aanleggen; Nieuwbouw van bijgebouwen, niet-overdekte lage constructies en andere handelingen; Nieuwe publiciteitsinrichting (met inbegrip van vernieuwen van een bestaande vergunning); Slopen of verwijderen submitted 20-01-2024 · project 2024005880 | Sint-Pieters-Leeuw |
Source: Omgevingsloket Vlaanderen.
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 52026D0169/00P000 | 9,711 m² | 1 · 1,777 m² | 13.4 m · 3 |