Summary
Conclusion
the dossier summarised in one paragraphFC THB is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €25.50M and a net result of €-5.95M. Equity is growing by ~20.4% per year across the filed fiscal years. Its solvency ranks better than 52% of 216 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 5 annual accounts.
Filing behaviour
From the deposit records, complete market-wideLatest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-06-2026, 53 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
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.
How we compute the deadline
The year end is derived from 5 filed financial years, each closing on 31-12. 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 31-12-2025, that is 31-07-2026.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | 08-06-2026 | 53 d early | 2026-00142502 |
| 31-12-2024 | 31-07-2025 | 30-07-2025 | 1 d early | 2025-00327458 |
| 31-12-2023 | 31-07-2024 | 19-07-2024 | 12 d early | 2024-00261090 |
| 31-12-2022 | 31-07-2023 | 03-07-2023 | 28 d early | 2023-00193825 |
| 31-12-2021 | 31-07-2022 | 07-07-2022 | 24 d early | 2022-20160925 |
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 signalsMore than 3 years active
Founded in 2021, past the statistically most fragile first 3 years.
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 everyoneThis is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
Financials
Equity€25.50M-18.9%
Net result€-5.95M
Total assets€44.70M-9.2%
Solvency57.0%-6.8pp
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 08-06-2026 with the NBB · fiscal year 2025 · volledig
The figures below are the statutory (non-consolidated) annual accounts. This company also files consolidated accounts; the group figures can differ substantially.
No trend projection for this company: it files both statutory and consolidated annual accounts. The statutory figures above track the parent, and they jump when activities move inside the group, not when the business grows or shrinks. A trend through such a series measures a restructuring, not a business trajectory.
Sector comparison
Fiscal year 2025 · NACE 64, Financial services · compared within the same schema type (full schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 57.0% | 55.4% | |
| Net result | €-5.95M | €65k | |
| Equity | €25.50M | €3.31M | |
| Total assets | €44.70M | €6.77M |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P52
Improving position over 2021-2025
· n=216-678
P5
Stable position over 2021-2025
· n=216-677
P74
Stable position over 2021-2025
· n=216-678
P74
Stable position over 2021-2025
· n=216-678
Describes the position versus peers, not a forecast.
€-5.95M
-
21-25
€44.70M
-9.2%
21-25
€25.50M
-18.9%
21-25
€19.20M
+8.0%
21-25
€3.95M
+69.7%
21-25
€14.97M
-2.6%
21-25
57.0%
-10.7%
21-25
-23.3%
-
21-25
-13.3%
-
21-25
Figures by fiscal year
| Fiscal year | 2025 |
|---|---|
| Deposit | volledig |
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €-5.95M |
| Cash flow | n/a |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €44.70M |
| Equity | €25.50M |
| Debt | €19.20M |
| of which ≤ 1y | €3.95M |
| of which > 1y | €14.97M |
| Working capital | n/a |
| Employees (FTE) | - |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 57.0% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | -13.3% |
| ROE | -23.3% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €44.70M |
| Fixed assets | 21/28 | €35.45M |
| Financial fixed assets | 28 | €35.45M |
| Current assets | 29/58 | €9.25M |
| Amounts receivable within one year | 40/41 | €8.20M |
| Cash & bank | 54/58 | €1.05M |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €44.70M |
| Equity | 10/15 | €25.50M |
| Contributions / capital | 10/11 | €25.54M |
| Accumulated profits (losses) | 14 | €-39k |
| Amounts payable | 17/49 | €19.20M |
| Amounts payable after one year | 17 | €14.97M |
| Amounts payable within one year | 42/48 | €3.95M |
| Trade debts payable within one year | 44 | €167k |
| Income statement | ||
| Turnover | 70 | €385k |
| Operating result | 9901 | €116k |
| Financial income | 75 | €503k |
| Financial charges | 65 | €627k |
| Result before taxes | 9903 | €-5.95M |
| Net result for the period | 9904 | €-5.95M |
| Result to be appropriated | 9905 | €-5.95M |
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan.
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Ratios computed by Checked.
Health barometer
FY 2025 · computedModel not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.
Directors
Directors & mandates
4 directorsCurrent directors & mandates
-
Karel van TendeloоDirectorState Gazette act 26002077 (06-01-2026)Current22-12-2025 → present
-
Karel van TendelooDirectorState Gazette act 25043801 (02-04-2025)Current01-01-2025 → present
Former directors (2)
-
Ludo BijvoetDirectorState Gazette act 25043801 (02-04-2025)Former01-01-2025 → 22-12-2025
2 events
- 22-12-2025 Resigned· Director
- 01-01-2025 Appointed· Director
-
Petrus van den BorneDirectorState Gazette act 25043801 (02-04-2025)Former- → 01-01-2025
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Activiteiten van holdings(64210) |
| Legal form | Private limited company(610) |
| Incorporation | 15-09-2021 |
| Status | Active |
| Postal code | 2370 |
Structure & network
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
Hoge Mauw 2502370 ArendonkEstablishment units
1 locationFC THB
since 20212.324.078.626
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1.5 ha
Buildings1
Building footprint5,758 m²
Volume (LiDAR)31,813 m³
Tallest building7.3 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels 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.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13322C1799/00S010 | Flanders | 1.5 ha | 1 · 5,758 m² | 7.3 m · 2 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
6 acts Capital history · 1
20-01-2025
Capital change
All acts · 6
updated 6 months ago
2026
22-01-2026 Articles of association amended, translation of the articles, coordination of the articles and amendment of specific articles
Notary:
Frederic HELSEN · BrusselFirm:
BERQUIN NOTARISSEN
06-01-2026 6 directors appointed, 1 resigning
- Karel van Tendeloо, Bestuurder
- Gisèle Rosselle, Dagelijks bestuur
- Céderic Devroey, Dagelijks bestuur
- Marie-Elisabeth Dubois, Dagelijks bestuur
- Théotime Liesenborghs, Dagelijks bestuur
- Olivier Martens, Dagelijks bestuur
- Ludo Bijvoet, Bestuurder
2025
02-04-2025 7 directors appointed, 1 resigning
- Ludo Bijvoet, Bestuurder
- Karel van Tendeloo, Bestuurder
- Gisèle Rosselle, Dagelijks bestuur
- Céderic Devroey, Dagelijks bestuur
- Marie-Elisabeth Dubois, Dagelijks bestuur
- Théotime Liesenborghs, Dagelijks bestuur
- Olivier Martens, Dagelijks bestuur
- Petrus van den Borne, Bestuurder
20-01-2025 Capital increase of €1,040,000
- Inbreng in geld · Apport en numéraire
- 3 kapitaalbewegingen in deze akte
Notary:
Frederic HELSEN · BrusselFirm:
BERQUIN NOTARISSEN
2024
24-09-2024 1 director appointed, 1 reappointed
- Pascal Daelemans, Dagelijks bestuur
- Pascal Daelemans, Commissaris
29-08-2024 Articles of association amended, translation of the articles, coordination of the articles and amendment of specific articles
Summary:
De voorwerp van de vennootschap is uitgebreid en nu zowel in België als in het buitenland gericht op het beheer van onroerend en roerend vermogen, inclusief het aangaan van leningen, financieringen en…Notary:
Frederic HELSEN · BrusselFirm:
BERQUIN NOTARISSEN
Analysis
Snowflake analysis
financial profile on 5 axes65
/ 100
Strong profile, led by solvency.
Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.
Health
-
Profitability
0
Solvency
98
Growth
68
Stability
94
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We hold annual accounts for 5,518 of the 24,678 companies in this sector. 705 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Holdings64200Activiteiten van holdings64210Handel in eigen onroerend goed68100Handel in eigen onroerend goed68110
Primary activity highlighted.
Names & trade names
| Legal nameNL | FC THB |
Registered office
Hoge Mauw 250
2370 Arendonk, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.