Result
€1.4m ▼ 91.2%
The result fell in 2025: the 2024 profit included a one-off income of €14.7m.
FIB SERVICES HOLDING
Lifetime
3 annual accounts with figures on one time axispeak €247,875 (2025)
€247,875▲ €264,093
lowest -€2,589 (2023)
€1.4m▼ 91.2%
peak €16.8m (2025)
€16.8m▲ 8.8%
€286,079▼ 76.7%
peak 2 FTE (2024)
2 FTEunchanged
Board3 names since 2022
3 directorsDI LORETO Osvaldo and 2 others
Documentsfilings and deeds
25-06-202636 days before the deadline
2025abbreviated format
Gross margin from -€16,218 to €247,875Result from €15.4m to €1.4mDebts from €1.2m to €286,079Cash from €1.4m to €696,192
Key points
from the 2025 annual accountsTurnover
≈ €400,000 estimated
The accounts state no turnover.
Liquidity
46.56 was 9.91 in 2024
Short-term debts fell from €1.2m to €281,984.
Group
6 companies controlled
Heads a group.
Restructuring
2024
Merger with FIB SERVICES HOLDING. Merger on 05-09-2024.
Position in the sector
98.3%
Higher solvency than 95% of companies in head offices and management consultancy. Sector median 52.4% · 10,847 companies.
Checked score
94
Excellent
Financially stronger than 51% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,555 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.9%
01-2025: 0.9%● unchanged vs 12-2024
02-2025: 0.9%● unchanged vs 01-2025
03-2025: 0.9%● unchanged vs 02-2025highest value
04-2025: 0.9%● unchanged vs 03-2025highest value
05-2025: 0.9%● unchanged vs 04-2025
06-2025: 0.9%● unchanged vs 05-2025
07-2025: 0.1%▼ -0.8 percentage points vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: < 0.1%▼ -0.1 percentage points vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026lowest value
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: 0.1%▲ +0.1 percentage points vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Liquidity: current ratio 46.56, cash €696,192, halved
lowers risk
Sector: Activities of head offices; management consultancy activities (NACE 70)
Figures for financial year 2025 (filed on 25-06-2026)
Size: 2 FTE, total assets €17.1m
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 86% of them on solvency, 45% on liquidity, 16% on profitability and 56% on growth.
The bankruptcy probability was computed on 06-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as FIB SERVICES HOLDING has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
The bankruptcy probability of FIB SERVICES HOLDING itself is lower: 0.1% within 12 months. It rests on far more data about FIB SERVICES HOLDING than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for FIB SERVICES HOLDING. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €1,550,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 46.56 (9.91 in 2024), above the usual 1.5. Short-term debt is 1.7% and cash 4.1% of total assets. 1.7% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 25-06-2026, 36 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
36 days early
2024
34 days early
2023
14 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 28 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% 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 27 June (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
07-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- DI LORETO Osvaldo 700 sharesdeed of 31-03-2022
- DI LORETO Romuald Eusanio Jean 150 sharesdeed of 31-03-2022
- DI LORETO Mauro Arthur Oswaldo 150 sharesdeed of 31-03-2022
Shares in 6 companies, including FIB-SERVICES INTELLECTUAL and FIBS-IMMO
Board & ownershipRecent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0783947367
Merger: ODL takes over FIB SERVICES HOLDING
Company renamed from ODL to FIB SERVICES HOLDING · The company holds all the shares of FIB SERVICES HOLDING · Gazette deed
Merger proposal: ODL takes over FIB SERVICES HOLDING
Gazette deed
Appointments: Jacques Plisnier (director) and Vincent Sepulchre (director)
General meeting of 27-07-2023 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| FIB SERVICES HOLDING Saint-Ghislain | €17.1m | €247,875 | 98.3% | 2 |
| VERNACOS Heist-op-den-Berg | €13.0m | €224,811 | 82.0% | 1.3 |
| WEBO HOLDING Herve | €12.5m | €286,235 | 86.4% | 1 |
| GILLARD GROUP Berloz | €12.1m | €275,851 | 1.2% | 1 |
| Valpeo Holding Ghent | €8.6m | €274,475 | 43.7% | 1.7 |
| HOUSE OF PRINTING Temse | €14.6m | €402,458 | 43.1% | 1.9 |
| Roof.Fin Kortrijk | €14.1m | €153,139 | 91.5% | 0.8 |
These companies have the same main activity as FIB SERVICES HOLDING: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €8.6m and €15m, founded between 2020 and 2022.
Official details
Source: KBO- Status
- Active since 29-03-2022Normal situation
- Activity
- Business and other management consultancyNACE 70200and 1 other
- Establishment unit
- 2.330.024.0337331 Saint-Ghislain, since 29-03-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 21-10-2026
Annual accounts 2025
- €17.1m▲ 2.5%
- Employeeson 31-12-2025
- 2=
- Filing
- Filed on 25-06-2026, 36 days before the end of the filing period
Companies linked to FIB SERVICES HOLDING
Subsidiaries and holdings
Insights on FIB SERVICES HOLDING
FIB SERVICES HOLDING files the abbreviated format. That format states no turnover. The gross margin rose from €84,490 in 2023 to €247,875 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about FIB SERVICES HOLDING
- What is the company number of FIB SERVICES HOLDING?
- The company number of FIB SERVICES HOLDING is 0783.947.367. The VAT number is the same number with BE in front: BE 0783.947.367.
- Where is FIB SERVICES HOLDING based?
- The registered office is at Rue des Azalées 3, 7331 Saint-Ghislain.Company details
- What does FIB SERVICES HOLDING do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of FIB SERVICES HOLDING?
- FIB SERVICES HOLDING is a private limited company (BV).
- When was FIB SERVICES HOLDING founded?
- FIB SERVICES HOLDING was founded on 29-03-2022.
- Is FIB SERVICES HOLDING still active?
- Yes, FIB SERVICES HOLDING is an active enterprise in the KBO register.
- How many employees does FIB SERVICES HOLDING have?
- FIB SERVICES HOLDING had an average of 2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of FIB SERVICES HOLDING?
- The turnover in financial year 2025 is ≈ €400,000. This figure is estimated from the gross margin of €247,875 and 93 comparable companies (NACE 70200). It probably lies between €320,000 and €520,000.
- Is FIB SERVICES HOLDING profitable?
- In financial year 2025, FIB SERVICES HOLDING made a profit of €1.4m.
- Where can I find the annual accounts of FIB SERVICES HOLDING?
- FIB SERVICES HOLDING filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of FIB SERVICES HOLDING due?
- FIB SERVICES HOLDING must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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