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FMI Constructions

Active
KBO/BCE: BE 1004.660.375
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Age2 yrs
Real estate1 parcel · 404 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of FMI Constructions is 0.6% (low). The 2025 annual accounts show equity of €68k and a net result of €64k. Its solvency ranks better than 71% of 1162 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 23-12-2025, 39 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
There is a single filed set of accounts, closing on 30-06. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-06-2025, that is 31-01-2026.
Deadline per financial year
Year closed Due by Filed Variance Reference
30-06-2025 31-01-2026 23-12-2025 39 d early 2025-00590058

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Young company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

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.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
0.6% Low
0%0,5%1,5%4%10%≥25%
Young company +Lower-failure-rate sector −Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€64k
Working capital€44k

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 23-12-2025 with the NBB · fiscal year 2025 · micro
Sector comparison
Fiscal year 2025 · NACE 71, Architecture & engineering · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 74.8% 55.1%
better than 71% of 1162 sector peers
Net result €64k €24k
better than 82% of 1161 sector peers
Equity €68k €51k
better than 59% of 1162 sector peers
Gross operating margin €91k €43k
better than 78% of 1161 sector peers
Total assets €91k €106k
better than 43% of 1162 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2025
Depositmicro
Revenue-
EBITDA€91k
Net profit€64k
Cash flow€65k
Staff costs-
Income taxes€25k
Dividends€833
Total assets€91k
Equity€68k
Debt€23k
of which ≤ 1y€23k
of which > 1y-
Working capital€44k
Employees (FTE)-
Ratios (computed)
2025
Current ratio2.90
Quick ratio2.90
Working capital ratio47.9%
Solvency74.8%
Debt / equity0.34
Long-term debt ratio-
Interest coverage410.62
Gross margin-
Net margin-
ROA70.2%
ROE93.9%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€91k
Fixed assets 21/28€23k
Formation expenses 20€2k
Tangible fixed assets 22/27€23k
Current assets 29/58€67k
Amounts receivable within one year 40/41€12k
Cash & bank 54/58€54k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€91k
Equity 10/15€68k
Contributions / capital 10/11€5k
Reserves 13€63k
Accumulated profits (losses) 14€0
Amounts payable 17/49€23k
Amounts payable within one year 42/48€23k
Trade debts payable within one year 44€285
Income statement
Gross operating margin 9900€91k
Operating result 9901€89k
Financial charges 65€221
Result before taxes 9903€89k
Income taxes 67/77€25k
Net result for the period 9904€64k
Result to be appropriated 9905€64k
Ratios computed by Checked.

Health barometer

FY 2025 · computed
93 / 100 Excellent
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
Cannot be placed on the map

This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.

Rue du Triquet 84950 Waimes

Establishment units

1 location
FMI Constructions
Rue du Triquet 8, 4950 WaimesExploitatie van bossen
since 20242.354.805.355
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area404 m²
Buildings1
Building footprint111 m²

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
63080G0236/00A000 Wallonia 404 m² 1 · 111 m² -
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes
Health93Profitability100Solvency100Growth-Stability67
90 / 100

Strong profile, led by profitability.

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

Health 93
Profitability 100
Solvency 100
Growth -
Stability 67

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AI due-diligence brief

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Credit advice

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 1,803 of the 11,498 companies in this sector. 1,535 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Ingenieurs en aanverwante technische adviseurs, exclusief landmeters71121Activiteiten van ingenieurs en aanverwante technische adviseurs, exclusief landmeters-experts71121Ontwerpen en programmeren van computerprogramma's62010Ontwerpen van computerprogramma’s62100
Primary activity highlighted.
Names & trade names
Legal nameFR FMI Constructions
Registered office
Rue du Triquet 8
4950 Waimes, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.