FBDT
ActiveSummary
FBDT has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €36k and a net result of €34k. Equity is growing by ~33.5% per year across the filed fiscal years. Its solvency ranks better than 89% of 1416 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+97
Solvency100▲+68
Growth78▲+46
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 4.39 against 1.07 in 2024; short-term debt: 18.3% and cash: 31.4% of total assets), and 18.3% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
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
81.7%
Return on assets
78.1%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-04-2026, 107 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
107 d early
2024
14 d late
2023
21 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€34k
2024 · €-20k
2023: €21k
2024: €-20k
2023 → 2025
Working capital
€27k▲ 1,838%
2024 · €1k
2023: €21k
2024: €1k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€22k-€2k▼ 92.6%€36k▲ 2,151%
Operating result€27k-€9k▼ 67.4%€40k▲ 348%
Net result€21k-€-20k€34k
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 348% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €44k
Fixed assets
€9k ▲ 3,679%
Current assets
€35k ▲ 59.5%
Equity and liabilities €44k
Equity
€36k ▲ 2,151%
Debt
€8k ▼ 61.3%
Debt's share of the balance-sheet total falls from 92.9% to 18.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€45k▲
2024 · €9k
Cash flow
€39k▲
2024 · €-20k
Current ratio
4.39▲
2024 · 1.07
Debt to equity
0.22▼
2024 · 12.99
ROE
95.6%
ROA
78.1%▲
2024 · -89.2%
Interest coverage
218.46▲
2024 · 0.31
Debt ≤ 1 year
€8k▼
2024 · €21k
Income taxes
€5k
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 · 35 lines
Balance sheet
Code20242025
Assets
Total assets20/58€22k€44k▲
Fixed assets21/28€231€9k▲
Tangible fixed assets22/27€231€9k▲
Furniture and vehicles24€231€9k▲
Current assets29/58€22k€35k▲
Amounts receivable within one year40/41€3k€21k▲
Trade receivables40€419€16k▲
Other amounts receivable41€2k€5k▲
Cash at bank and in hand54/58€19k€14k▼
Deferred charges and accrued income490/1€784€398▼
Equity and liabilities
Total equity and liabilities10/49€22k€44k▲
Equity10/15€2k€36k▲
Contributions10/11€500€500=
Profit (loss) carried forward14€1k€35k▲
Amounts payable17/49€21k€8k▼
Amounts payable within one year42/48€21k€8k▼
Trade debts44€5k€2k▼
Suppliers440/4€5k€2k▼
Taxes, remuneration and social security45-€5k
Taxes450/3-€4k
Remuneration and social security454/9-€1k
Other amounts payable47/48€15k€640▼
Accrued charges and deferred income492/3€39-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€153€5k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€10k€46k▲
Operating profit (loss)9901€9k€40k▲
Financial charges65/66B€29k€204▼
Recurring financial charges65€29k€204▼
Profit (loss) for the period before taxes9903€-20k€39k▲
Income taxes67/77-€5k
Profit (loss) for the period9904€-20k€34k▲
Profit (loss) for the period to be appropriated9905€-20k€34k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1k€35k▲
Profit (loss) brought forward from the previous period14P€21k€1k▼
The notes to these accounts (5 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
15-04
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Back to profitnet €34k
Net result €34k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 4.39
Current ratio from 1.07 to 4.39; short-term debt falls from €21k to €8k.
14-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 14 days late
2024
31-12
Financial
Weakest financial yearnet €-20k ▼195%
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · 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, Wavre · 2 establishment units since 2022
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.
Avenue Zénobe Gramme 26B1300 WavreGround area
1,412 m²
Building footprint
1,147 m²
Volume, LiDAR
8,871 m³
2 parcels, Brussels, Wallonia · tallest building 15.3 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
FBDT
since 20222.336.092.075
FBDT
since 20222.338.370.189
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25006A0145/00Z000 | Wallonia | 1,280 m² | 1 · 1,015 m² | 8.2 m · 2 fl. |
| 21017D0181/00K002 | Brussels | 132 m² | 1 · 132 m² | 15.3 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
254900B9U7YPZA3ZW857
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Of 3,211 companies in sector 62900 we hold annual accounts for 1,741. 1,283 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
Founded05-08-2022
Fiscal year end31-12
Activities, NACEBEL 2025
62900Other information technology and computer services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.