FIMACOACH
ActiveSummary
The annual accounts of FIMACOACH for fiscal year 2025 show a net loss of 68% of the equity at the start of that year. The 2025 annual accounts show equity of €8k and a net result of €-18k. Equity is growing by ~5.2% per year across the filed fiscal years. The company has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
38
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-68
Solvency34▼-16
Growth22▼-45
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.21 against 0.4 in 2024; short-term debt: 58.7% and cash: 11.9% of total assets), and 90.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 2025Solvency, return and age of the figures
Solvency
9.4%
Return on assets
-20.1%
Age of the figures
9 mo
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 08-02-2026, 173 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
173 d early
2024
196 d early
2023
196 d early
2022
161 d early
2021
130 d early
2020
108 d early
2019
164 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€2k▼ 91.7%
2024 · €19k
2018: €15k
2019: €16k
2020: €16k
2021: €16k
2022: €17k
2023: €19k
2024: €19k
2018 → 2025
EBIT margin
-846.7%▼ 885.6pp
2024 · 38.9%
2018: 26.8%
2019: 31.8%
2020: 28.6%
2021: 25.6%
2022: 26.0%
2023: 37.6%
2024: 38.9%
2018 → 2025
Net result
€-18k
2024 · €3k
2018: €1k
2019: €3k
2020: €3k
2021: €1k
2022: €-2k
2023: €2k
2024: €3k
2018 → 2025
Working capital
€-41k▼ 33.4%
2024 · €-31k
2018: €-60k
2019: €-62k
2020: €-49k
2021: €-38k
2022: €-29k
2023: €-41k
2024: €-31k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€16k-€17k▲ 7.4%€19k▲ 9.0%€19k▲ 1.3%€2k▼ 91.7%
Equity€23k-€21k▼ 8.7%€23k▲ 9.9%€26k▲ 13.5%€8k▼ 68.1%
Operating result€4k-€4k▲ 9.3%€7k▲ 57.6%€7k▲ 4.6%€-13k
Net result€1k-€-2k€2k€3k▲ 50.2%€-18k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €13k after €7k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €88k
Fixed assets
€77k ▼ 8.6%
Current assets
€11k ▼ 47.7%
Equity and liabilities €88k
Equity
€8k ▼ 68.1%
Debt
€80k ▲ 0.8%
Debt's share of the balance-sheet total rises from 75.3% to 90.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-6k▼
2024 · €15k
Cash flow
€-10k▼
2024 · €10k
Current ratio
0.21▼
2024 · 0.40
Debt to equity
9.65▲
2024 · 3.05
ROE
-213.9%▼
2024 · 11.9%
ROA
-20.1%▼
2024 · 2.9%
Interest coverage
-1.34▼
2024 · 3.46
Debt ≤ 1 year
€52k▲
2024 · €51k
Debt > 1 year
€25k=
2024 · €25k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€105k€88k▼
Fixed assets21/28€85k€77k▼
Tangible fixed assets22/27€84k€77k▼
Land and buildings22€84k€77k▼
Financial fixed assets28€250€250=
Current assets29/58€21k€11k▼
Amounts receivable within one year40/41€5k-
Other amounts receivable41€5k-
Cash at bank and in hand54/58€16k€11k▼
Deferred charges and accrued income490/1€185€213▲
Equity and liabilities
Total equity and liabilities10/49€105k€88k▼
Equity10/15€26k€8k▼
Contributions10/11€16k€16k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€8k€-9k▼
Amounts payable17/49€79k€80k▲
Amounts payable after more than one year17€25k€25k=
Other amounts payable178/9€25k€25k=
Amounts payable within one year42/48€51k€52k▲
Trade debts44-€397
Suppliers440/4-€397
Taxes, remuneration and social security45€1k€1k▲
Taxes450/3€1k€1k▲
Other amounts payable47/48€50k€50k=
Accrued charges and deferred income492/3€3k€3k▲
Income statement
Code20242025
Turnover70€19k€2k▼
Goods, raw materials, services and sundry goods60/61€2k€5k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k=
Other operating charges640/8€2k€2k▲
Gross operating margin9900€17k€-4k▼
Operating profit (loss)9901€7k€-13k▼
Financial charges65/66B€4k€4k▲
Recurring financial charges65€4k€4k▲
Profit (loss) for the period before taxes9903€3k€-18k▼
Profit (loss) for the period9904€3k€-18k▼
Profit (loss) for the period to be appropriated9905€3k€-18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€8k€-9k▼
Profit (loss) brought forward from the previous period14P€5k€8k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-09
State Gazette act
Resignations: Nadia Petit (director) and Zélia Pirlot (director)Appointment: Sabrina Picheca (director) · Registered-office move7 facts ▸
State Gazette act
Resignations: Nadia Petit (director) and Zélia Pirlot (director)
Appointment: Sabrina Picheca (director) · Registered-office move7 facts ▸
- General meeting, 26-12-2020
- Director resignation, Nadia Petit (director)
- Director resignation, Nadia Petit (day-to-day manager)
- General meeting, 20-09-2026
- Registered-office move, Rue des Rouges-Gorges(GOZ) 8, 6534 Thuin
- Director appointment, Sabrina Picheca (director)
- Director resignation, Zélia Pirlot (director)
08-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-18k ▼673%
Net result drops to €-18k, the lowest in the series.
16-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €3k ▲50.2%
Operating result €7k, net result €3k, both a record.
17-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
20-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
14-04
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
18-02
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
04-03
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
02-03
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
04-04
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 10 acts read
About the unread acts
Of the 10 Belgian State Gazette acts we know for this company, 1 has been read. The other 9 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 director, last change in 2026
Sabrina Picheca
CurrentDirector · since 19-09-2026
19-09-2026
Sabrina Picheca: Appointed as Director
19-09-2026
Zélia Pirlot: Resigned as Director
06-02-2026
Nadia Petit: Resigned as Director
06-02-2026
Nadia Petit: Resigned as Day-to-day manager
Not every act has been read: a resignation may be missing here
9 of this company's 10 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Thuin · 1 establishment unit since 2001
1 establishment unit
FIMACOACH
since 20012.097.892.838
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-02-2001
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 1 actNational Bank · 25 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.