Age5 yrs
Board1
Staff (FTE)3.8
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of FCUBE is 0.3% (very low). The 2024 annual accounts show equity of €48.03M and a net result of €6.03M. Equity is growing by ~15.5% per year across the filed fiscal years. Its solvency ranks better than 85% of 975 sector peers (fiscal year 2024). 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 4 annual accounts.
Signals
3 signals · with evidenceStrong solvency vs sector
Solvency is in the sector's strongest quartile: better than 85% of 975 peers (2024). A comfortable equity buffer.
View the sector comparison Consistently profitable
Positive net result in the two most recent financial years (2023 and 2024).
View the result trend Growing equity
Equity grew over 2022-2024. Profits are largely retained rather than distributed.
View the equity trend Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 15 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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.
How we compute the deadline
The year end is derived from 4 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 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 29-08-2025 | 29 d late | 2025-00429125 |
| 31-12-2023 | 31-07-2024 | 06-11-2024 | 98 d late | 2024-00529341 |
| 31-12-2022 | 31-07-2023 | 18-08-2023 | 18 d late | 2023-00334259 |
| 31-12-2021 | 31-07-2022 | 24-08-2022 | 24 d late | 2022-20309657 |
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 everyone0.3%
Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector
−Young company
+Annual accounts: healthy financial profile
−
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
Turnover€755k+43.0%
EBIT margin1.1%-8.4pp
Net result€6.03M+15.0%
Working capital€9.82M+54.1%
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 29-08-2025 with the NBB · fiscal year 2024 · volledig
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~15.5%/year over 4 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2024 · NACE 70, Head offices & management consulting · compared within the same schema type (full schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 83.5% | 39.6% | |
| Net result | €6.03M | €32k | |
| Equity | €48.03M | €152k | |
| Staff costs | €308k | €194k | |
| Employees (FTE) | 3.8 | 1.9 |
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).
P85
Improving position over 2021-2024
· n=425-975
P95
Stable position over 2021-2024
· n=424-975
P95
Stable position over 2021-2024
· n=425-976
P61
Weakening position over 2022-2024
· n=196-258
Describes the position versus peers, not a forecast.
€755k
+43.0%
21-24
€198k
+4.0%
21-24
€6.03M
+15.0%
21-24
€6.22M
+15.5%
21-24
€57.49M
+9.2%
21-24
€48.03M
+14.0%
21-24
€9.82M
+54.1%
21-24
4
+35.7%
21-24
€308k
+47.0%
21-24
€-2k
-
21-24
€150k
-
21-24
€9.46M
-10.0%
21-24
€2.75M
+5.0%
21-24
€6.71M
-15.0%
21-24
4.57
+33.2%
21-24
4.57
+33.2%
21-24
83.5%
+4.4%
21-24
0.20
-21.1%
21-24
12.6%
+0.9%
21-24
10.5%
+5.3%
21-24
798.6%
-19.6%
21-24
26.2%
-27.3%
21-24
0.61
+9.1%
21-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | volledig |
| Revenue | €755k |
| EBITDA | €198k |
| Net profit | €6.03M |
| Cash flow | €6.22M |
| Staff costs | €308k |
| Income taxes | €-2k |
| Dividends | €150k |
| Total assets | €57.49M |
| Equity | €48.03M |
| Debt | €9.46M |
| of which ≤ 1y | €2.75M |
| of which > 1y | €6.71M |
| Working capital | €9.82M |
| Employees (FTE) | 3.8 |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 4.57 |
| Quick ratio | 4.57 |
| Working capital ratio | 17.1% |
| Solvency | 83.5% |
| Debt / equity | 0.20 |
| Long-term debt ratio | 0.14 |
| Interest coverage | 0.61 |
| Gross margin | 97.8% |
| Net margin | 798.6% |
| ROA | 10.5% |
| ROE | 12.6% |
| EBITDA margin | 26.2% |
| Days sales outstanding | 4177d |
| Days payable outstanding | 1642d |
| Inventory turnover | 4.78 |
| Days inventory (DSI) | 76d |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €57.49M |
| Fixed assets | 21/28 | €44.91M |
| Intangible fixed assets | 21 | €3k |
| Tangible fixed assets | 22/27 | €3.08M |
| Financial fixed assets | 28 | €41.84M |
| Current assets | 29/58 | €12.57M |
| Stocks & contracts in progress | 3 | €3k |
| Amounts receivable within one year | 40/41 | €8.65M |
| Cash & bank | 54/58 | €3.91M |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €57.49M |
| Equity | 10/15 | €48.03M |
| Contributions / capital | 10/11 | €20.96M |
| Reserves | 13 | €2.10M |
| Accumulated profits (losses) | 14 | €24.97M |
| Amounts payable | 17/49 | €9.46M |
| Amounts payable after one year | 17 | €6.71M |
| Amounts payable within one year | 42/48 | €2.75M |
| Trade debts payable within one year | 44 | €74k |
| Income statement | ||
| Turnover | 70 | €755k |
| Operating result | 9901 | €8k |
| Financial income | 75 | €6.35M |
| Financial charges | 65 | €327k |
| Result before taxes | 9903 | €6.03M |
| Income taxes | 67/77 | €-2k |
| Net result for the period | 9904 | €6.03M |
| Result to be appropriated | 9905 | €6.03M |
You are seeing the latest fiscal year only. 3 prior years (figures + ratios) are in a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2024 · computed91
/ 100
Excellent
Computed from 6 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 2024. Indicative, not credit advice.
Directors
Directors & mandates
1 directorCurrent directors & mandates
-
Current26-03-2025 → present
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Statutory auditor
1 auditor| Statutory auditor | IRE/IBR number | Tenure |
|---|---|---|
| REWISECurrent Company auditor · represented by Pascal Celen |
- | 30-11-2021 → present |
Appointed statutory auditor from the Belgian State Gazette. The IRE/IBR number refers to the register of the Institute of Registered Auditors.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies(70200) |
| Legal form | Public limited company(014) |
| Incorporation | 22-06-2021 |
| Status | Active |
| Postal code | 5380 |
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.
Rue Georges Cosse, ZI, Nov. 265380 FernelmontEstablishment units
1 locationFCUBE
since 20212.319.105.296
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
5 acts Address history · 2
20-11-2025
v3.2
06-03-2023
v3.2
All acts · 5
updated 8 months ago
2025
20-11-2025 Registered office moved from Andenne to FERNELMONT
- Rue de Pontillas 336, 5300 Andenne → Rue Georges Cosse 26, 5380 FERNELMONT
Summary:
v3.2
26-03-2025 VANCOMPERNOLLE Flore appointed as daily management
2023
06-03-2023 Registered office moved from Chastre to Andenne
- rue de la Tour 9, 1450 Chastre → rue de Pontillas 336, 5300 Andenne
Summary:
v3.2
2021
03-12-2021 Articles of association amended
Summary:
v3.2
24-06-2021 Incorporation of a new SNC
Summary:
oprichting
Analysis
Snowflake analysis
financial profile on 5 axes88
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
91
Profitability
88
Solvency
100
Growth
68
Stability
94
Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 15,452 of the 82,011 companies in this sector. 275 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Ontwerpen en programmeren van computerprogramma's62010Computerconsultancy-activiteiten62020Beheer van computerfaciliteiten62030Ontwerpen van computerprogramma’s62100Activiteiten op het gebied van computerconsultancy en beheer van computerfaciliteiten62200Webportalen63120Activiteiten van webportalen63910Handel in eigen onroerend goed68110Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen68201Verhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed, exclusief terreinen68203Interieurontwerp74130Overige gespecialiseerde ontwerpactiviteiten74140Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
| Legal nameFR | FCUBE |
Registered office
Rue Georges Cosse, ZI, Nov. 26
5380 Fernelmont, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.