Active BE 0525.868.078Private limited company

FIJOWONINGBOUW

St-Maertensgrachtstraat 11 ·3740 Bilzen-Hoeselt, Belgium· 13 yrs active

Sector: Activities of holding companies (64210)

Conclusion Checked

FIJOWONINGBOUW is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €71k and a net result of €15k. Equity is growing by ~17.9% per year across the filed fiscal years. Its solvency ranks better than 25% of 5394 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 5 annual accounts.

Key figures

Equity	€71k
Net result	€15k
Better than sector	25%
Active	13 yrs

Financial profile 4 of 5 axes measured · computed by Checked

78 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.

Health -

Profitability 100

Solvency 34

Growth 78

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Established

Founded in 2013, 13 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score

Model not applicable to financial institutions

The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.

Financial overview12 NBB filings

Annual accounts filed on 30-07-2026 with the NBB · fiscal year 2025 · abbreviated schema

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~17.9%/year over 5 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 64, Financial service activities, except insurance and pension funding · compared within the same schema type (abbreviated schema)

Metric	This company	Sector median	Position in the sector
Solvency	24.2%	51.9%	better than 25% of 5394 sector peers
Net result	€15k	€53k	better than 32% of 5395 sector peers
Equity	€71k	€623k	better than 15% of 5395 sector peers
Gross operating margin	€24k	€87k	better than 26% of 5391 sector peers
Total assets	€293k	€1.55M	better than 13% of 5395 sector peers

Net profit

€15k

+29.5% 21-25

Total assets

€293k

+9.2% 21-25

Equity

€71k

+23.6% 21-25

Income taxes

€8k

+27.1% 21-25

Dividends

€1k

0.0% 21-25

Debt

€222k

+5.3% 21-25

Debt ≤ 1y

€222k

+5.4% 21-25

Solvency

24.2%

+13.2% 21-25

ROE

20.8%

+4.7% 21-25

ROA

5.1%

+18.5% 21-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025	2024	2023	2022	2021
Deposit	abbreviated schema	abbreviated schema	abbreviated schema	abbreviated schema	abbreviated schema
Revenue	n/a	n/a	n/a	n/a	n/a
EBITDA	n/a	n/a	n/a	n/a	n/a
Net profit	€15k	€11k	€2k	€11k	€4k
Cash flow	n/a	n/a	n/a	n/a	n/a
Staff costs	-	-	-	-	-
Income taxes	€8k	€6k	€5k	€9k	€2k
Dividends	€1k	€1k	€1k	€1k	€1k
Total assets	€293k	€269k	€253k	€227k	€194k
Equity	€71k	€58k	€47k	€46k	€36k
Debt	€222k	€211k	€206k	€181k	€158k
of which ≤ 1y	€222k	€211k	€205k	€181k	€158k
of which > 1y	-	-	-	-	-
Working capital	n/a	n/a	n/a	n/a	n/a
Employees (FTE)	-	-	-	-	-

Ratios (computed)

	2025	2024	2023	2022	2021
Current ratio	n/a	n/a	n/a	n/a	n/a
Quick ratio	n/a	n/a	n/a	n/a	n/a
Working capital ratio	n/a	n/a	n/a	n/a	n/a
Solvency	24.2%	21.4%	18.7%	20.4%	18.7%
Debt / equity	n/a	n/a	n/a	n/a	n/a
Long-term debt ratio	n/a	n/a	n/a	n/a	n/a
Interest coverage	n/a	n/a	n/a	n/a	n/a
Gross margin	n/a	n/a	n/a	n/a	n/a
Net margin	n/a	n/a	n/a	n/a	n/a
ROA	5.1%	4.3%	0.8%	5.0%	2.0%
ROE	20.8%	19.9%	4.5%	24.3%	10.9%
EBITDA margin	n/a	n/a	n/a	n/a	n/a
Days sales outstanding	n/a	n/a	n/a	n/a	n/a
Days payable outstanding	n/a	n/a	n/a	n/a	n/a
Inventory turnover	n/a	n/a	n/a	n/a	n/a
Days inventory (DSI)	n/a	n/a	n/a	n/a	n/a

Balance-sheet composition 2025

Assets

Fixed assets €81k · 27.5% Current assets €213k · 72.5%

Equity & liabilities

Equity €71k · 24.2% Debt €222k · 75.8%

Full annual accounts (23 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025	2024	2023	2022	2021
Balance sheet, Assets
TOTAL ASSETS	20/58	€293k	€269k	€253k	€227k	€194k
Fixed assets	21/28	€81k	€81k	€80k	€80k	€80k
Tangible fixed assets	22/27	€774	€1k	-	-	-
Financial fixed assets	28	€80k	€80k	€80k	€80k	€80k
Current assets	29/58	€213k	€187k	€173k	€147k	€114k
Amounts receivable within one year	40/41	€46k	€59k	€49k	€55k	€29k
Investments	50/53	-	€70k	-	-	-
Cash & bank	54/58	€161k	€57k	€119k	€89k	€85k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€293k	€269k	€253k	€227k	€194k
Equity	10/15	€71k	€58k	€47k	€46k	€36k
Contributions / capital	10/11	€19k	€19k	€19k	€19k	€19k
Reserves	13	€52k	€39k	€29k	€28k	€18k
Amounts payable	17/49	€222k	€211k	€206k	€181k	€158k
Amounts payable within one year	42/48	€222k	€211k	€205k	€181k	€158k
Trade debts payable within one year	44	€2k	€2k	€373	€5k	€11k
Income statement
Gross operating margin	9900	€24k	€22k	€12k	€21k	€7k
Operating result	9901	€23k	€22k	€10k	€20k	€7k
Financial income	75	€3k	€89	-	-	-
Financial charges	65	€3k	€4k	€3k	€71	€146
Result before taxes	9903	€23k	€18k	€7k	€20k	€6k
Income taxes	67/77	€8k	€6k	€5k	€9k	€2k
Net result for the period	9904	€15k	€11k	€2k	€11k	€4k
Result to be appropriated	9905	€15k	€11k	€2k	€11k	€4k

Legal Structure

NACE primary	Activities of holding companies(64210)
Legal form	Private limited company(610)
Incorporation	05-04-2013
Status	Active
Postal code	3740

Establishment units 1 location

FIJOWONINGBOUW

St-Maertensgrachtstraat 11, 3740 Bilzen-HoeseltFinancial service activities, except insurance and pension funding

since 20132.218.248.458

Real-estate footprint Source: CBE × cadastre

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
73005A0247/00K000	Flanders	791 m²	1 · 189 m²	8.3 m · 2 fl.

Methodology

via registered seat: 1

1 of 1 parcel with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 10 events

All 12Financial 2Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

30-07

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

2025

31-12

Financial Highest result since 2021net €15k ▲29.5%

Operating result €23k, net result €15k, both a record.

16-06

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema

2024

02-08

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema · 2 days late

2023

31-12

Financial Weakest financial yearnet €2k ▼80.9%

Net result drops to €2k, the lowest in the series; recovery starts the following year.

14-07

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema

2022

28-06

NBB filing Annual accounts filed

fiscal year 2021 · abbreviated schema

2021

28-06

NBB filing Annual accounts filed

fiscal year 2020 · abbreviated schema

2020

31-07

NBB filing Annual accounts filed

fiscal year 2019 · abbreviated schema

2019

01-08

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 1 day late

2018

02-07

NBB filing Annual accounts filed

fiscal year 2017 · abbreviated schema

2017

04-07

NBB filing Annual accounts filed

fiscal year 2016 · abbreviated schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Belgian State Gazette reading coverage 0 of 2 acts read

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.

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Holdings64200Activities of holding companies64210

Names & trade names

Legal nameNL

FIJOWONINGBOUW

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