FANNY BLD · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of FANNY BLD is 0.6% (low). The 2025 annual accounts show equity of €26k and a net result of €21k. Its solvency ranks better than 29% of 245 sector peers (fiscal year 2025). The company has been active since 2023 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 03-10-2025, 120 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	03-10-2025	120 d early	2025-00528816

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 2023, 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%

Lower-failure-rate sector −Young company +Multiple establishment units +

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€21k

Working capital€12k

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 03-10-2025 with the NBB · fiscal year 2025 · micro

Sector comparison

Fiscal year 2025 · NACE 85 · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	17.4%	43.1%	better than 29% of 245 sector peers
Net result	€21k	€11k	better than 67% of 244 sector peers
Equity	€26k	€25k	better than 51% of 245 sector peers
Gross operating margin	€287k	€29k	better than 95% of 244 sector peers
Staff costs	€246k	€34k	higher than 91% of 49 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€40k
Net profit	€21k
Cash flow	€31k
Staff costs	€246k
Income taxes	€8k
Dividends	-
Total assets	€149k
Equity	€26k
Debt	€123k
of which ≤ 1y	€94k
of which > 1y	€29k
Working capital	€12k
Employees (FTE)	2.9

Ratios (computed)

	2025
Current ratio	1.13
Quick ratio	1.13
Working capital ratio	8.0%
Solvency	17.4%
Debt / equity	4.74
Long-term debt ratio	1.10
Interest coverage	20.93
Gross margin	-
Net margin	-
ROA	14.1%
ROE	80.7%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €43k · 28.6% Current assets €106k · 71.4%

Equity & liabilities

Equity €26k · 17.4% Debt €123k · 82.6%

Full annual accounts (24 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€149k
Fixed assets	21/28	€43k
Intangible fixed assets	21	€23k
Tangible fixed assets	22/27	€16k
Financial fixed assets	28	€4k
Current assets	29/58	€106k
Amounts receivable within one year	40/41	€26k
Cash & bank	54/58	€80k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€149k
Equity	10/15	€26k
Contributions / capital	10/11	€5k
Reserves	13	€21k
Amounts payable	17/49	€123k
Amounts payable after one year	17	€29k
Amounts payable within one year	42/48	€94k
Trade debts payable within one year	44	€23k
Income statement
Gross operating margin	9900	€287k
Operating result	9901	€30k
Financial income	75	€504
Financial charges	65	€2k
Result before taxes	9903	€29k
Income taxes	67/77	€8k
Net result for the period	9904	€21k
Result to be appropriated	9905	€21k

Ratios computed by Checked.

Health barometer

FY 2025 · computed

68 / 100 Healthy

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.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

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 de la Station 997090 Braine-le-Comte

Establishment units

3 locations

FANNY BLD

Rue de la Station 99, 7090 Braine-le-ComteHandelsbemiddeling in de niet-gespecialiseerde groothandel

since 20232.353.401.132

AUTO-ECOLE SOLEA

Rue de Buvrinnes(BIN) 8, 7130 BincheOverige zakelijke dienstverlening, neg

since 20252.382.381.960

AUTO-ECOLE SOLEA

Rue de la Station 99A, 7090 Braine-le-ComteOverige zakelijke dienstverlening, neg

since 20252.382.381.861

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels3

Ground area517 m²

Buildings3

Building footprint227 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 3 (100%)