FAST LOC

Active

Private limited companyfounded 20206 yrs activeRue Trasenster 48, 4870 Trooz, BelgiumKBO/BCE: BE 0745.795.683

The computed 12-month bankruptcy probability of FAST LOC is 2.9% (moderate). The 2024 annual accounts show equity of €15k and a net result of €6k. Equity is growing by ~43.8% per year across the filed fiscal years. Its solvency ranks better than 31% of 517 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

51 / 100

Fair▼ -2 vs 2023

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability100▲+39

Solvency10▼-22

Growth78=

Stability100

Bankruptcy probability, 12 months

2.9% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €500 at 30 days acceptable

Liquidity short (current ratio 0.49 against 0.66 in 2023), and 84.5% 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.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 77

Relative position

BE, all sectors

reference

Sector 77

higher

← fewer bankruptcies more bankruptcies →

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

15.5%

Return on assets

6.5%

Age of the figures

20 mo

Higher-failure-rate region

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

KBO · registered office

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-06-2025, 38 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

not confirmed

2024

38 d early

2023

51 d early

2022

47 d early

2021

60 d early

2020

46 d early

← before the deadline after the 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 2024, full schema

Turnover

Not included in this filing

EBIT margin

Not included in this filing

Net result

€6k▲ 492%

2023 · €1k

2020: €-3k 2021: €6k 2022: €2k 2023: €1k

2020 → 2024

Working capital

€-15k▼ 102%

2023 · €-7k

2020: €-12k 2021: €-4k 2022: €-14k 2023: €-7k

2020 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€-35-€6k€8k▲ 31.4%€9k▲ 13.8%€15k▲ 71.9%

Operating result€-1k-€8k€4k▼ 53.2%€4k▼ 6.8%€13k▲ 253%

Net result€-3k-€6k€2k▼ 68.8%€1k▼ 42.2%€6k▲ 492%

Result per fiscal year

Operating resultNet result

The operating result recovers in 2024; 2024 is 253% above 2023 and is the highest year so far.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €95k

84.9%

15.1%

Fixed assets €81k▲ 339%

Current assets €14k▼ 2.8%

Equity and liabilities €95k

15.5%

84.5%

Equity €15k▲ 71.9%

Debt €80k▲ 227%

The debt ratio rises from 74.2% to 84.5%: debt grows faster than equity.

Key figures and ratios

2024 value · change against 2023

EBITDA

€33k▲

2023 · €21k

Cash flow

€27k▲

2023 · €18k

Solvency

15.5%▼

2023 · 25.8%

Current ratio

0.49▼

2023 · 0.66

Quick ratio

0.49▼

2023 · 0.53

Debt / equity

5.46▲

2023 · 2.87

ROE

41.8%▲

2023 · 12.1%

ROA

6.5%▲

2023 · 3.1%

Interest coverage

9.78▼

2023 · 11.86

Debt

€80k▲

2023 · €25k

Debt ≤ 1 year

€29k▲

2023 · €22k

Debt > 1 year

€51k▲

2023 · €2k

Income taxes

€3k▲

2023 · €745

Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.

Filed annual accounts

As filed with the NBB · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€33k€95k▲

Fixed assets21/28€18k€81k▲

Intangible fixed assets21€1k€1k▼

Tangible fixed assets22/27€17k€80k▲

Plant, machinery and equipment23€9k€5k▼

Furniture and vehicles24€8k€98▼

Leasing and similar rights25-€75k

Current assets29/58€15k€14k▼

Stocks and contracts in progress3€3k-

Contracts in progress37€3k-

Amounts receivable within one year40/41€912€5k▲

Trade receivables40€912€5k▲

Other amounts receivable41-€837

Cash at bank and in hand54/58€11k€9k▼

Equity and liabilities

Total equity and liabilities10/49€33k€95k▲

Equity10/15€9k€15k▲

Contributions10/11€3k€3k=

Profit (loss) carried forward14€6k€12k▲

Amounts payable17/49€25k€80k▲

Amounts payable after more than one year17€2k€51k▲

Financial debts170/4€2k€51k▲

Amounts payable within one year42/48€22k€29k▲

Current portion of amounts payable after more than one year42€13k€13k▼

Trade debts44€1k€6k▲

Suppliers440/4€1k€6k▲

Taxes, remuneration and social security45€2k€1k▼

Taxes450/3€2k€1k▼

Other amounts payable47/48€6k€9k▲

Income statement Code20232024

Non-recurring operating income76A-€21k

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€21k▲

Other operating charges640/8€2k€1k▼

Non-recurring operating charges66A-€126

Gross operating margin9900€23k€34k▲

Operating profit (loss)9901€4k€13k▲

Financial income75/76B€3€11▲

Recurring financial income75€3€11▲

Financial charges65/66B€2k€3k▲

Recurring financial charges65€2k€3k▲

Profit (loss) for the period before taxes9903€2k€9k▲

Income taxes67/77€745€3k▲

Profit (loss) for the period9904€1k€6k▲

Profit (loss) for the period to be appropriated9905€1k€6k▲

Appropriation of the result

Profit (loss) to be appropriated9906€6k€12k▲

Profit (loss) brought forward from the previous period14P€5k€6k▲

The notes to these accounts (18 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 7Financial 2Filings 5

2025

23-06

NBB filing Annual accounts filed

fiscal year 2024 · full schema

2024

31-12

Financial Highest result since 2020net €6k ▲492%

Operating result €13k, net result €6k, both a record.

10-06

NBB filing Annual accounts filed

fiscal year 2023 · full schema

2023

14-06

NBB filing Annual accounts filed

fiscal year 2022 · full schema

2022

01-06

NBB filing Annual accounts filed

fiscal year 2021 · full schema

2021

31-12

Financial Back to profitnet €6k

Net result €6k after one loss-making year.

15-06

NBB filing Annual accounts filed

fiscal year 2020 · full schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

2 acts for this company are 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, Trooz · 2 establishment units since 2020

establishment approximate All 2 establishment units on the map

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 Trasenster 484870 Trooz

Ground area

2,777 m²

Building footprint

285 m²

Volume, LiDAR

2,039 m³

2 parcels, Wallonia · tallest building 16.7 m, ±5 floors. Linked by address, not a title deed.

2 establishment units

FAST LOC

Rue Trasenster 48, 4870 TroozSpecialised construction activities

since 20202.301.133.176

FAST LOC

Rue des Fabriques 88, 4800 VerviersSpecialised construction activities

since 20202.301.133.275

2 parcels

Wallonia 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
62041A0232/00E002	Wallonia	2,612 m²	1 · 147 m²	-
63079A0010/00N003indicative	Wallonia	164 m²	1 · 138 m²	16.6 m · 5 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 1

1 of 2 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

Of 664 companies in sector 77320 we hold annual accounts for 489. 153 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded02-04-2020

Fiscal year end31-12

Activities, NACEBEL

77320Rental and leasing activities

43990Other specialised construction activities

43999Specialised construction activities

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.

Contact details

2 entries

Website:www.fast-loc.be

Enterprise

E-mail:fast.locamat@gmail.com

Enterprise