F B F
ActiveSummary
F B F has been active since 1982 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €347k and a net result of €59k. Equity is growing by ~10.8% per year across the filed fiscal years. Its solvency ranks better than 54% of 15367 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability82▼-5
Solvency88▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 2.88 against 1.98 in 2023; short-term debt: 14.5% and cash: 5.8% of total assets), and 36.8% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 15-10-2025, 76 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
76 d late
2023
91 d late
2022
98 d late
2021
61 d late
2020
90 d late
2019
119 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Turnover
€302k
EBIT margin
8.7%
Net result
€59k▼ 23.2%
2023 · €77k
2018: €12k
2019: €26k
2020: €37k
2021: €53k
2022: €50k
2023: €77k
2018 → 2024
Working capital
€150k▲ 53.1%
2023 · €98k
2018: €9k
2019: €37k
2020: €60k
2021: €70k
2022: €59k
2023: €98k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€236k-€257k▲ 9.0%€246k▼ 4.2%€288k▲ 17.2%€347k▲ 20.4%
Operating result€57k-€89k▲ 54.8%€89k▲ 0.1%€122k▲ 37.8%€103k▼ 15.8%
Net result€37k-€53k▲ 41.4%€50k▼ 5.6%€77k▲ 53.2%€59k▼ 23.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 16% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €550k
Fixed assets
€319k ▲ 0.8%
Current assets
€230k ▲ 15.8%
Equity and liabilities €550k
Equity
€347k ▲ 20.4%
Debt
€203k ▼ 10.9%
Debt's share of the balance-sheet total falls from 44.1% to 36.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€122k▼
2023 · €138k
Cash flow
€78k▼
2023 · €93k
Current ratio
2.88▲
2023 · 1.98
Debt to equity
0.58▼
2023 · 0.79
ROE
16.9%▼
2023 · 26.5%
ROA
10.7%▼
2023 · 14.8%
Interest coverage
33.43▼
2023 · 55.75
Debt ≤ 1 year
€80k▼
2023 · €101k
Debt > 1 year
€95k▼
2023 · €100k
Income taxes
€41k▼
2023 · €43k
Staff costs
€119k▲
2023 · €84k
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 · 2024 against 2023 · 52 lines
Balance sheet
Code20232024
Assets
Total assets20/58€516k€550k▲
Fixed assets21/28€317k€319k▲
Tangible fixed assets22/27€317k€319k▲
Land and buildings22€316k€301k▼
Plant, machinery and equipment23€174€2k▲
Furniture and vehicles24-€17k
Financial fixed assets28€162€162=
Current assets29/58€199k€230k▲
Amounts receivable within one year40/41€136k€198k▲
Trade receivables40€34k€33k▼
Other amounts receivable41€102k€165k▲
Cash at bank and in hand54/58€63k€32k▼
Equity and liabilities
Total equity and liabilities10/49€516k€550k▲
Equity10/15€288k€347k▲
Contributions10/11€19k€19k=
Reserves13€267k€309k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€265k€307k▲
Profit (loss) carried forward14€2k€19k▲
Amounts payable17/49€227k€203k▼
Amounts payable after more than one year17€100k€95k▼
Financial debts170/4€100k€95k▼
Amounts payable within one year42/48€101k€80k▼
Current portion of amounts payable after more than one year42€38k€17k▼
Trade debts44-€5k
Suppliers440/4-€5k
Taxes, remuneration and social security45€17k€31k▲
Taxes450/3€17k€23k▲
Remuneration and social security454/9-€8k
Other amounts payable47/48€46k€26k▼
Accrued charges and deferred income492/3€27k€27k▲
Income statement
Code20232024
Remuneration, social security and pensions62€84k€119k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€19k▲
Other operating charges640/8€9k€21k▲
Gross operating margin9900€231k€262k▲
Operating profit (loss)9901€122k€103k▼
Financial income75/76B-€305
Recurring financial income75-€305
Financial charges65/66B€2k€4k▲
Recurring financial charges65€2k€4k▲
Profit (loss) for the period before taxes9903€120k€100k▼
Income taxes67/77€43k€41k▼
Profit (loss) for the period9904€77k€59k▼
Profit (loss) for the period to be appropriated9905€77k€59k▼
Appropriation of the result
Profit (loss) to be appropriated9906€82k€61k▼
Profit (loss) brought forward from the previous period14P€5k€2k▼
Transfer to equity691/2€45k€42k▼
To other reserves6921€45k€42k▼
Profit to be distributed694/7€34k-
Return on contributions (dividend)694€29k-
Employees696€6k-
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
15-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 76 days late
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 91 days late
2023
31-12
Financial
Highest result since 2018net €77k ▲53.2%
Operating result €122k, net result €77k, both a record.
06-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 98 days late
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 90 days late
2020
27-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 119 days late
2019
31-12
Financial
Equity above €200kEq €201k ▲13.5%
2 profitable years in a row build equity to €201k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 59 days late
2017
11-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 11 days late
2016
28-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 59 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Braine-l'Alleud · 4 establishment units since 2003
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 Mottet 51428 Braine-l'AlleudGround area
5,838 m²
Building footprint
542 m²
Volume, LiDAR
3,181 m³
4 parcels, Flanders, Wallonia · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
4 establishment units
FBF
since 20032.165.465.513
Stevens-de Waelplein 9, 1502 Halle
since 20122.208.415.133
Rue du Millénaire(W-B) 1, 1440 Braine-le-Château
since 20152.242.216.663
Fiscal Bureau Fiskaal
since 20172.264.872.794
4 parcels
Flanders
1
(25%)
Wallonia
3
(75%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25111A0594/00Y003 | Wallonia | 4,123 m² | 1 · 144 m² | 11.2 m · 3 fl. |
| 25054A0270/00V003 | Wallonia | 798 m² | 1 · 65 m² | - |
| 25111B0004/00M014 | Wallonia | 658 m² | 1 · 89 m² | 9.3 m · 2 fl. |
| 23043C0212/00L000 | Flanders | 259 m² | 1 · 244 m² | 10.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 3
4 of 4 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
COMPASS ACCOUNTING
BE 0691.853.983
Nivelles · Eq €347,136
Ceulemans - Wens
BE 0502.918.967
Edegem · Eq €347,114
FIDUCIAIRE DAVID ZOLLER
BE 0715.814.963
Virton · Eq €347,073
VAN CAUWENBERGH ACCOUNTANCY & TAX
BE 0477.524.070
Tielt-Winge · Eq €347,601
OLIVIER PHILIPSEN
BE 0811.099.548
Zoersel · Eq €346,709
Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 5,923 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-10-1982
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 42 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:fbf@skynet.be
Phone:0475505845
Phone:023586500