Equity
€2.4m ▲ 1.4%
FIBS-IMMO has made a profit without a break since 2013.
FIBS-IMMO
Lifetime
17 annual accounts with figures on one time axisGross marginpeak €307,951 (2015)
€212,466▲ 16.1%
Resultlowest -€4,062 (2012)
€33,566▲ 17.3%
Equitypeak €2.4m (2025)
€2.4m▲ 1.4%
Debts
€13,039▼ 9.1%
Board4 names since 2021
3 directorsJacques PLISNIER and 2 others
Owners3 names in the annual accounts
Documentsfilings and deeds
25-06-202636 days before the deadline
2025financial year
Gross margin from €183,052 to €212,466Cash from €39,456 to €63,100
Key points
from the 2025 annual accountsFilings
17 annual accounts since 2009
The last five annual accounts were filed 14 to 52 days before the end of the period.
Position in the sector
99.5%
Higher solvency than 95% of companies in real estate. Sector median 38.2% · 5,797 companies.
Checked score
97
Excellent
Financially stronger than 73% of small companies in real estate (NACE 68)
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 6,995 companies (NACE 68, small).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024lowest value
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged 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%● unchanged 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 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026highest value
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 99.05, cash €63,100
lowers risk
Size: total assets €2.4m
Figures for financial year 2025 (filed on 25-06-2026)
Equity €2.4m (99.5% of total assets)
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 68, small). It does better than 92% of them on solvency, 75% on liquidity, 73% on profitability and 51% on growth.
The bankruptcy probability was computed on 04-11-2026 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, 6,049 companies had the same profile as FIBS-IMMO has now. Each dot stands for 16 companies, two years later.
95.9%
were still trading
3.6%
stopped another way
0.4%
went bankrupt
That fits the bankruptcy probability of FIBS-IMMO itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,446 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 6,049 companies, not a prediction for FIBS-IMMO. 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 €230,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 99.05 (95.1 in 2024), above the usual 1.5. Short-term debt is 0.5% and cash 2.6% of total assets. 0.5% 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 · 10 filingsDeviation from the deadline
2025
36 days early
2024
34 days early
2023
14 days early
2022
45 days early
2021
52 days early
2020
61 days early
2019
18 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 37 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% 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 25 June (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
05-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
O
ODL
Managing director
- FIB SERVICES HOLDING 100%score 94equity €16.8m (2025) · 2025 annual accounts of FIB SERVICES HOLDING
- FIB SERVICES HOLDING 99.85%30-06-2022 annual accounts of FIB SERVICES HOLDING
- FIB SERVICES HOLDING 99.85%equity €15.0m (2023) · 2023 annual accounts of FIB SERVICES HOLDING
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0807195693
Resignations & appointments
FIB SERVICES HOLDING holds all the shares · Board meeting of 03-10-2024 · Gazette deed
1 director appointed, 1 resignation, 1 reappointment
Resignation: FIB-SERVICES HOLDING SA (managing director) · Appointment: ODL (managing director) · Permanent representative: DI LORETO Osvaldo · General meeting of 17-11-2023 · Gazette deed
Incorporation
published on 27-10-2008 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | Total assets | Gross margin | Solvency | Staff |
|---|---|---|---|---|
| FIBS-IMMO Saint-Ghislain | €2.4m | €212,466 | 99.5% | - |
| SAF-LOGIS Tournai | €2.0m | €221,127 | 48.5% | - |
| Deschodt Consultancy Hasselt | €2.5m | €187,507 | 29.0% | - |
| de fabrieke Poperinge | €2.4m | €249,181 | 12.2% | - |
| Wellnest Kortrijk Kortrijk | €2.1m | €193,728 | -67.8% | - |
| SENER GROUP INTERNATIONAL Lievegem | €2.0m | €227,076 | 9.6% | - |
| SEGERS INVEST Retie | €3.0m | €218,675 | 13.7% | - |
These companies have the same main activity as FIBS-IMMO: renting and operating of own or leased non-residential real estate, excluding land (NACE 68203). They are comparable in size and age: total assets between €2m and €3m, founded between 2006 and 2010.
Official details
Source: KBO- Status
- Active since 15-10-2008Normal situation
- Activity
- Renting and operating of own or leased non-residential real estate, excluding landNACE 68203
- Establishment unit
- 2.189.280.9917331 Saint-Ghislain, since 15-10-2008
- Financial year end
- 31 December
- Peppol
- Reachable since 27-03-2026
Annual accounts 2025
- Turnover
- ≈ €290,000estimated
- Total assets
- €2.4m▲ 1.3%
- Filing
- Filed on 25-06-2026, 36 days before the end of the filing period
Insights on FIBS-IMMO
FIBS-IMMO has existed since 2008. The gross margin grew from €114,152 in 2009 to €212,466 in 2025.
FIB SERVICES HOLDING holds all the shares. In December 2023, the Official Gazette published the appointment of FIB SERVICES HOLDING as managing director.
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 FIBS-IMMO
- What is the company number of FIBS-IMMO?
- The company number of FIBS-IMMO is 0807.195.693. The VAT number is the same number with BE in front: BE 0807.195.693.
- Where is FIBS-IMMO based?
- The registered office is at Rue des Azalées 3, 7331 Saint-Ghislain.Company details
- What does FIBS-IMMO do?
- According to the KBO register, the main activity is renting and operating of own or leased non-residential real estate, excluding land (NACE 68203).
- What is the legal form of FIBS-IMMO?
- FIBS-IMMO is a public limited company (NV).
- When was FIBS-IMMO founded?
- FIBS-IMMO was founded on 15-10-2008.
- Is FIBS-IMMO still active?
- Yes, FIBS-IMMO is an active enterprise in the KBO register.
- What is the turnover of FIBS-IMMO?
- The turnover in financial year 2025 is ≈ €290,000. This figure is estimated from the gross margin of €212,466 and 37 comparable companies (NACE 68203). It probably lies between €230,000 and €450,000.Financials
- Is FIBS-IMMO profitable?
- In financial year 2025, FIBS-IMMO made a profit of €33,566.
- Where can I find the annual accounts of FIBS-IMMO?
- FIBS-IMMO filed 17 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of FIBS-IMMO due?
- FIBS-IMMO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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