FBC
ActiveSummary
The computed 12-month bankruptcy probability of FBC is 2.0% (moderate). The 2025 annual accounts show equity of €11k and a net result of €79k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 15% of 7453 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+7
Solvency31▼-67
Growth58▲+6
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.72 against 2.33 in 2024; short-term debt: 94% and cash: 46.6% of total assets), and 94.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
5.9%
Return on assets
42%
Age of the figures
15 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 7453 sector peers (2025).
NBB · sector comparisonPosition among 7453 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 26-02-2026, 26 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 · 5 filingsDeviation from the deadline
2025
26 d late
2024
26 d late
2023
29 d late
2022
28 d late
2021
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€11k▼ 92.3%
2024 · €142k
2021: €61k
2022: €115k
2023: €194k
2024: €142k
2021 → 2025
Total assets
€187k▼ 4.4%
2024 · €195k
2021: €255k
2022: €230k
2023: €282k
2024: €195k
2021 → 2025
Net result
€79k▲ 109%
2024 · €38k
2021: €56k
2022: €53k
2023: €75k
2024: €38k
2021 → 2025
Working capital
€-49k
2024 · €60k
2021: €-91k
2022: €15k
2023: €97k
2024: €60k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€61k-€115k▲ 86.5%€194k▲ 69.6%€142k▼ 27.0%€11k▼ 92.3%
Operating result€76k-€75k▼ 0.6%€96k▲ 28.0%€50k▼ 47.9%€103k▲ 105%
Net result€56k-€53k▼ 5.8%€75k▲ 40.6%€38k▼ 49.9%€79k▲ 109%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 105% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €187k
Fixed assets
€61k ▼ 33.5%
Current assets
€126k ▲ 21.0%
Equity and liabilities €187k
Equity
€11k ▼ 92.3%
Debt
€176k ▲ 229%
Debt's share of the balance-sheet total rises from 27.3% to 94.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€140k▲
2024 · €87k
Cash flow
€116k▲
2024 · €75k
Current ratio
0.72▼
2024 · 2.33
Debt to equity
16.02▲
2024 · 0.38
ROE
715.7%▲
2024 · 26.4%
ROA
42.0%▲
2024 · 19.2%
Interest coverage
178.13▲
2024 · 66.21
Debt ≤ 1 year
€176k▲
2024 · €45k
Income taxes
€23k▲
2024 · €12k
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€195k€187k▼
Fixed assets21/28€91k€61k▼
Intangible fixed assets21€60k€38k▼
Tangible fixed assets22/27€31k€23k▼
Plant, machinery and equipment23€9k€7k▼
Furniture and vehicles24€22k€11k▼
Other tangible fixed assets26-€5k
Current assets29/58€104k€126k▲
Amounts receivable within one year40/41€57k€37k▼
Trade receivables40€57k€32k▼
Other amounts receivable41-€5k
Cash at bank and in hand54/58€47k€87k▲
Deferred charges and accrued income490/1€476€2k▲
Equity and liabilities
Total equity and liabilities10/49€195k€187k▼
Equity10/15€142k€11k▼
Contributions10/11€10k€10k=
Profit (loss) carried forward14€132k€970▼
Amounts payable17/49€53k€176k▲
Amounts payable after more than one year17€7k-
Financial debts170/4€7k-
Amounts payable within one year42/48€45k€176k▲
Current portion of amounts payable after more than one year42€24k€7k▼
Taxes, remuneration and social security45€18k€44k▲
Taxes450/3€17k€43k▲
Remuneration and social security454/9€1k€1k=
Other amounts payable47/48€3k€124k▲
Accrued charges and deferred income492/3€1k€217▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37k€37k▲
Other operating charges640/8€511€528▲
Gross operating margin9900€88k€140k▲
Operating profit (loss)9901€50k€103k▲
Financial income75/76B€907€2▼
Recurring financial income75€907€2▼
Financial charges65/66B€1k€785▼
Recurring financial charges65€1k€785▼
Profit (loss) for the period before taxes9903€50k€102k▲
Income taxes67/77€12k€23k▲
Profit (loss) for the period9904€38k€79k▲
Profit (loss) for the period to be appropriated9905€38k€79k▲
Appropriation of the result
Profit (loss) to be appropriated9906€222k€210k▼
Profit (loss) brought forward from the previous period14P€184k€132k▼
Profit to be distributed694/7€90k€210k▲
Return on contributions (dividend)694€90k€210k▲
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
26-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
30-06
Financial
Highest result since 2021net €79k ▲109%
Operating result €103k, net result €79k, both a record.
26-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
30-06
Financial
Weakest financial yearnet €38k ▼49.9%
Net result drops to €38k, the lowest in the series; recovery starts the following year.
29-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
30-06
Financial
Liquidity doublescurrent ratio 2.70
Current ratio from 1.25 to 2.70; short-term debt falls from €61k to €57k.
30-06
Financial
Equity above €150kEq €194k ▲69.6%
3 profitable years in a row build equity to €194k.
28-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
30-06
Financial
Liquidity triplescurrent ratio 1.25
Current ratio from 0.37 to 1.25; short-term debt falls from €143k to €61k.
30-06
Financial
Equity above €100kEq €115k ▲86.5%
2 profitable years in a row build equity to €115k.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
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, Dalhem · 1 establishment unit since 2019
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.
Voie du Thier(FEN) 174607 DalhemGround area
1,247 m²
Building footprint
133 m²
Volume, LiDAR
854 m³
Parcel 62034A0055/00H000, Wallonia · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FBC
since 20192.297.084.318
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62034A0055/00H000 | Wallonia | 1,247 m² | 1 · 133 m² | 8.9 m · 2 fl. |
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.
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CBG
BE 0799.741.046
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WAT ETS
BE 0784.241.535
Engis · Eq €10,983
A. D. Global I
BE 1006.334.517
Sint-Pieters-Leeuw · Eq €10,956
Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 9,614 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
Founded27-12-2019
Fiscal year end30-06
Activities, NACEBEL 2025
41001General construction of residential buildings
71121Engineering and related technical consultancy, excluding land surveyors
71209Other technical testing and analysis
74999Other professional, scientific and technical activities
82100Office administrative and support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:fbc.frederic.baguette@gmail.com
Phone:0473-681.195