FINANCIERE D'ENTREPRISE ET DE RENOVATION IMMOBILIERE

Active

Public limited companyfounded 200521 yrs activeAvenue Fernand Golenvaux 8, 5000 Namur, BelgiumKBO/BCE: BE 0873.769.961

Summary

FINANCIERE D'ENTREPRISE ET DE RENOVATION IMMOBILIERE has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €27.72M and a net result of €-1.04M. Equity is shrinking by ~4.1% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.7% (low).

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Checked score

Score 2025

61 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability33▲+1

Solvency75▼-2

Growth58=

Track record100

Bankruptcy probability, 12 months

0.7% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €1.65M at 30 days acceptable

short-term debt: 0% and cash: 0% of total assets, and 50.1% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

No NACE activity registered

No NACE activity is registered in the KBO, which is more common among companies that later fail.

KBO · activities

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

49.9%

Return on assets

-1.9%

Age of the figures

9 mo

Lower-risk legal form

Companies with this legal form statistically fail less often than a BV.

KBO · legal form

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Persistent losses

Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.

NBB · annual accounts 2025

Net result per financial year

1819202122232425

2018 to 2025 · latest year €-1.04M

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-06-2026, 58 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

58 d early

2024

65 d early

2023

57 d early

2022

68 d early

2021

67 d early

2020

66 d early

2019

31 d late

← before the deadline after the deadline →

Checked, nothing found (2)

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 months

Position in the running window

24-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, full schema

Turnover

Not included in this filing

EBIT margin

Not included in this filing

Net result

€-1.04M▲ 7.5%

2024 · €-1.12M

2018: €-1.39M 2019: €-1.39M 2020: €-1.52M 2021: €-1.52M 2022: €-1.47M 2023: €-1.35M 2024: €-1.12M

2018 → 2025

Working capital

€55.59M▲ 0.4%

2024 · €55.35M

2018: €52.95M 2019: €54.07M 2020: €54.57M 2021: €54.53M 2022: €55.03M 2023: €55.14M 2024: €55.35M

2018 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€32.69M-€31.22M▼ 4.5%€29.88M▼ 4.3%€28.76M▼ 3.7%€27.72M▼ 3.6%

Operating result€-1.50M-€-1.47M▲ 2.0%€-1.47M=€-1.34M▲ 8.9%€-1.29M▲ 4.0%

Net result€-1.52M-€-1.47M▲ 3.6%€-1.35M▲ 8.4%€-1.12M▲ 16.8%€-1.04M▲ 7.5%

Result per fiscal year

Operating resultNet result

The operating result stays negative: a loss of €1.29M in 2025 against €1.34M in 2024; the loss shrinks.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Equity and liabilities €55.59M

49.9%

50.1%

Equity €27.72M ▼ 3.6%

Debt €27.87M ▲ 4.8%

Debt's share of the balance-sheet total rises from 48.0% to 50.1%. Equity is lower and debt is higher.

Key figures and ratios

2025 value · change against 2024

Debt to equity

1.01▲

2024 · 0.92

ROE

-3.7%▲

2024 · -3.9%

ROA

-1.9%▲

2024 · -2.0%

Debt ≤ 1 year

€2k▼

2024 · €2k

Debt > 1 year

€27.01M▲

2024 · €25.31M

A ratio outside any meaningful range has been withheld (balance sheet total €55.59M, equity €27.72M).

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 · 45 lines

Balance sheet Code20242025

Assets

Total assets20/58€55.36M€55.59M▲

Formation expenses20€0€0=

Fixed assets21/28€0€0=

Tangible fixed assets22/27€0€0=

Furniture and vehicles24€0€0=

Current assets29/58€55.36M€55.59M▲

Amounts receivable after more than one year29€41.89M€42.13M▲

Other amounts receivable291€41.89M€42.13M▲

Amounts receivable within one year40/41€889k€600k▼

Other amounts receivable41€889k€600k▼

Current investments50/53€12.40M€12.68M▲

Cash at bank and in hand54/58€27k€16k▼

Deferred charges and accrued income490/1€145k€171k▲

Equity and liabilities

Total equity and liabilities10/49€55.36M€55.59M▲

Equity10/15€28.76M€27.72M▼

Contributions10/11€49.10M€49.10M=

Capital10€49.10M€49.10M=

Issued capital100€49.10M€49.10M=

Reserves13€14k€14k=

Non-distributable reserves130/1€14k€14k=

Legal reserve130€14k€14k=

Profit (loss) carried forward14€-20.36M€-21.39M▼

Amounts payable17/49€26.60M€27.87M▲

Amounts payable after more than one year17€25.31M€27.01M▲

Other amounts payable178/9€25.31M€27.01M▲

Amounts payable within one year42/48€2k€2k▼

Trade debts44€2k€2k▼

Suppliers440/4€2k€2k▼

Taxes, remuneration and social security45€46€0▼

Taxes450/3€0€0=

Remuneration and social security454/9€46€0▼

Accrued charges and deferred income492/3€1.29M€864k▼

Income statement Code20242025

Goods, raw materials, services and sundry goods60/61€9k€10k▲

Other operating charges640/8€1.69M€1.70M▲

Gross operating margin9900€348k€412k▲

Operating profit (loss)9901€-1.34M€-1.29M▲

Financial income75/76B€221k€251k▲

Recurring financial income75€221k€251k▲

Financial charges65/66B€180€181▲

Recurring financial charges65€180€181▲

Profit (loss) for the period before taxes9903€-1.12M€-1.04M▲

Profit (loss) for the period9904€-1.12M€-1.04M▲

Profit (loss) for the period to be appropriated9905€-1.12M€-1.04M▲

Appropriation of the result

Profit (loss) to be appropriated9906€-20.36M€-21.39M▼

Profit (loss) brought forward from the previous period14P€-19.24M€-20.36M▼

The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 14Financial 3Gazette 1Filings 10

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

2026

09-09

State Gazette act Appointments: Sarah Lambot, Luc Mohymont and 2 others

Resignations: Claude Van Grembergen, Dimitri Delecaut and Sébastien Durieux8 facts ▸

General meeting, 28-05-2026
Director appointment, Sarah Lambot (director)
Director appointment, Luc Mohymont (director)
Director appointment, Rémi Belin (director)
Director appointment, Florent Legrand (director)
Director resignation, Claude Van Grembergen (director)
Director resignation, Dimitri Delecaut (director)
Director resignation, Sébastien Durieux (director)

03-06

NBB filing Annual accounts filed

fiscal year 2025 · full schema

2025

27-05

NBB filing Annual accounts filed

fiscal year 2024 · full schema

2024

31-12

Financial Liquidity doublescurrent ratio 23072.81

Current ratio from 11471.09 to 23072.81; short-term debt falls from €5k to €2k.

04-06

NBB filing Annual accounts filed

fiscal year 2023 · full schema

2023

24-05

NBB filing Annual accounts filed

fiscal year 2022 · full schema

2022

31-12

Financial Liquidity doublescurrent ratio 25022.72

Current ratio from 10558.29 to 25022.72; short-term debt falls from €5k to €2k.

25-05

NBB filing Annual accounts filed

fiscal year 2021 · full schema

2021

31-12

Financial Weakest financial yearnet €-1.52M

Net result drops to €-1.52M, the lowest in the series; recovery starts the following year.

26-05

NBB filing Annual accounts filed

fiscal year 2020 · full schema

2020

31-08

NBB filing Annual accounts filed

fiscal year 2019 · full schema · 31 days late

2019

29-05

NBB filing Annual accounts filed

fiscal year 2018 · full schema

2018

23-05

NBB filing Annual accounts filed

fiscal year 2017 · full schema

2017

24-05

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.

Directors · office · real estate

Directors

under verification, no change since 2026

This board is reconstructed from a single act (26113762). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.

Florent Legrand

Director · since 28-05-2026

Current

Luc Mohymont

Director · since 28-05-2026

Current

Rémi Belin

Director · since 28-05-2026

Current

Sarah Lambot

Director · since 28-05-2026

Current

28-05-2026 Florent Legrand: Appointed as Director

28-05-2026 Luc Mohymont: Appointed as Director

28-05-2026 Rémi Belin: Appointed as Director

28-05-2026 Sarah Lambot: Appointed as Director

28-05-2026 Claude Van Grembergen: Resigned as Director

Full history in the Timeline (7 changes) →

Location & real-estate footprint

Registered office, Namur

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.

Avenue Fernand Golenvaux 85000 Namur

Ground area

401 m²

Building footprint

331 m²

Parcel 92094C0674/00L000, Wallonia. Linked by address, not a title deed.

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
92094C0674/00L000	Wallonia	401 m²	1 · 331 m²	-

Linked by address, not proof of ownership

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.

Structure & network

Connections & network

5 connected companies

Shared directors

Linked via shared directors

EMBUILD HAINAUT

via Luc Mohymont · Director

→

Embuild Menuisiers Wallons ASBL

via Luc Mohymont · Director

→

FONDS DE PROMOTION DE L'INDUSTRIE DE LA CONSTRUCTION - FONDS VOOR PROMOTIE VAN DE BOUWNIJVERHEID

via Luc Mohymont · Director

→

BUILDWISE

via Luc Mohymont · Director

former→

Show 1 more companies with a shared director

EMBUILD

via Luc Mohymont · Director

former→

Company data · Crossroads Bank

Identification

Legal formPublic limited company

Founded12-05-2005

Fiscal year end31-12

Abbreviation FR FERI

Sources

Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.