F.V.S.

Active

Private limited companyfounded 1998active for 27 yearsRue d'en Haut(DA) 31/D, 7864 Lessines, BelgiumKBO/BCE: BE 0464.758.078

Summary

F.V.S. has been active since 1998 and the Belgian Official Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €678,793 and a net result of €31,331. Equity is growing by about 6.4% per year across the filed financial years. Its solvency ranks better than 95% of 20,539 sector peers (NACE 62, financial year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisFollow Report Compare

F.V.S.ActiveChecked score 56/100

Risk analysis Report Compare

Activity

Computer programming

NACE 62100

2nd largest company by total assets in Lessines, Telecoms and IT sector1 site

Size

≈ €120,000turnover 2024, estimated

Equity: €678,793
Profit: €31,331

Turnover estimated from the gross margin

Financial health

56 Fair Checked score 2024

Bankruptcy probabilitywithin 12 months: 0.2%

Structure

2025 accounts not filed, 89 days past the deadline2 deeds in the Belgian Official Gazette

Why 56raises riskCapped at 59: a confirmed filing finding1 financial year not filed after the legal deadline; last filed accounts filed 153 days late; 3 of the last 3 latelowers riskFounded in 1998Equity €678,793 (97.0% of total assets)Sector: Computer programming, consultancy and related activities (NACE 62)Show the evidence

Checked score

Score 2024

56 / 100

Fair

Probability in this band: 1.5% to 4.2%

Financially better than 55% of its sector peers (NACE 62, micro)

A confirmed filing finding caps the score at 59. Every signal that counts is listed under Signals.

Financial strength · tick = 2023

Strong

Solvency 100=

equity 97.0% of total assets

Liquidity 71+3

short-term debt 3.0% · cash 16.8%

Profitability 74+1

return on assets 4.5%

Bankruptcy probability, 12 months

0.2% Very low

0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (25,887 companies, NACE 62, micro)

Last 24 months 11-2024: 0.2% 12-2024: 0.2%● unchanged vs 11-2024 01-2025: 0.2%● unchanged vs 12-2024 02-2025: 0.2%● unchanged vs 01-2025 03-2025: 0.2%● unchanged vs 02-2025 04-2025: 0.2%● unchanged vs 03-2025 05-2025: 0.1%▼ -0.1 percentage points vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.2%▲ +0.1 percentage points vs 06-2025 08-2025: 0.2%● unchanged vs 07-2025 09-2025: 0.3%▲ +0.1 percentage points vs 08-2025 10-2025: 0.3%● unchanged vs 09-2025 11-2025: 0.3%● unchanged vs 10-2025 12-2025: 0.4%▲ +0.1 percentage points vs 11-2025 01-2026: 1.1%▲ +0.7 percentage points vs 12-2025highest value 02-2026: 0.1%▼ -1.0 percentage point vs 01-2026 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026lowest value 07-2026: 0.1%● unchanged vs 06-2026 08-2026: 0.2%▲ +0.1 percentage points vs 07-2026 09-2026: 0.2%● unchanged vs 08-2026 10-2026: 0.2%● unchanged vs 09-2026

Credit of up to €35,000 on 30-day terms, only on tighter conditions: an expected filing is missing beyond Checked's processing allowance

Liquidity ample (current ratio 33.27, compared with 21.46 in 2023, above the usual 1.5; short-term debt: 3% and cash: 16.8% of total assets), and 3% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro): better than 85% on solvency, 54% on liquidity, 33% on profitability and 50% on growth.

The bankruptcy probability was computed on 27-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

Credit check for your own amount and term

Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

Six signals.

lowers riskraises risk

1 financial year not filed after the legal deadline; last filed accounts filed 153 days late; 3 of the last 3 late

NBB · filings

Founded in 1998

Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.

KBO

Equity €678,793 (97.0% of total assets)

NBB · annual accounts

Sector: Computer programming, consultancy and related activities (NACE 62)

KBO

Annual accounts not filed

The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 89 days later.

NBB · 10 filings

Position against the passed deadline

31-12-2025 year end31-07-2026 deadline28-10-2026 today

2024 accounts filed 153 days late

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-12-2025, 153 days past the deadline. Measured on financial year 2023: of the companies more than 90 days late, 5.61% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers.

NBB · 10 filings

Deviation from the deadline

2025

not filed

2024

153 days late

2023

152 days late

2022

31 days late

2021

29 days late

2020

122 days late

2019

29 days early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 76 days after the deadline; the sector median (NACE 62) for financial year 2024 is 9 days before the deadline, and 33% of those companies filed late.

Searched, nothing found (1)

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

31-12-2025 Annual accounts filedfinancial year 2024 · micro…
30-12-2024 Annual accounts filedfinancial year 2023 · micro…
31-08-2023 Annual accounts filedfinancial year 2022 · micro…

Key points

Positive: Among the best 5% on solvencysector median 62.8% · 20,539 companies 97.0% View
Caution: 2025 accounts not fileddeadline was 31-07-2026 89 days past the deadline View
Positive: 7 profitable years in a rowprofit 2024: €31,331 7 years View

By topic

Financials

Financial year: 2024
Total assets: €699,552
Profit: €31,331
Solvency: 97.0%

Turnover▲ 4.1%

Net result

20182020

Go to Financials

Timeline

Events: 29
Since: 2000

31-12-2022Weakest financial year
29-08-2022Annual accounts filed
30-11-2021Annual accounts filed

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company
Activity: Computer programmingNACE 62100
Founded: 07-12-1998
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Key facts about F.V.S.

What is the company number of F.V.S.?: 0464.758.078. In Belgium the VAT number is the company number with BE in front: BE 0464.758.078.
Where is F.V.S. based?: The registered office is at Rue d'en Haut(DA) 31/D, 7864 Lessines.Company details
What does F.V.S. do?: According to the KBO register, the main activity is computer programming (NACE 62100).
What is the legal form of F.V.S.?: Private limited company (BV).
When was F.V.S. founded?: On 07-12-1998.
Is F.V.S. still active?: Yes, F.V.S. is an active enterprise in the KBO register.
What is the turnover of F.V.S.?: €116,676 in financial year 2020, according to the filed annual accounts.Financials
Is F.V.S. profitable?: In financial year 2024, F.V.S. made a profit of €31,331.
Where can I find the annual accounts of F.V.S.?: F.V.S. filed 26 annual accounts with the National Bank of Belgium, the latest for financial year 2024.