FD-SOLUTIONS
ActiveSummary
FD-SOLUTIONS has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €69k and a net result of €-26k. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 73% of 17090 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-61
Solvency100=
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 3.42 against 3.4 in 2024; short-term debt: 21.1% and cash: 69.5% of total assets), and 21.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · 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 2025Solvency, return and age of the figures
Solvency
78.9%
Return on assets
-29.3%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-26k
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 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
27 d early
2023
28 d late
2022
25 d early
2021
23 d late
2020
277 d late
2019
68 d late
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€69k▼ 27.1%
2024 · €94k
2018: €82k
2019: €94k
2020: €111k
2021: €140k
2022: €159k
2023: €102k
2024: €94k
2018 → 2025
Total assets
€87k▼ 29.1%
2024 · €123k
2018: €114k
2019: €117k
2020: €154k
2021: €221k
2022: €211k
2023: €145k
2024: €123k
2018 → 2025
Net result
€-26k▼ 219%
2024 · €-8k
2018: €59k
2019: €12k
2020: €17k
2021: €30k
2022: €18k
2023: €-57k
2024: €-8k
2018 → 2025
Working capital
€45k▼ 35.1%
2024 · €69k
2018: €76k
2019: €82k
2020: €102k
2021: €108k
2022: €128k
2023: €74k
2024: €69k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€140k-€159k▲ 13.1%€102k▼ 35.6%€94k▼ 7.8%€69k▼ 27.1%
Operating result€35k-€27k▼ 22.9%€-56k€-7k▲ 86.8%€-25k▼ 241%
Net result€30k-€18k▼ 38.1%€-57k€-8k▲ 85.9%€-26k▼ 219%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €25k in 2025 against €7k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €87k
Fixed assets
€24k ▼ 5.6%
Current assets
€63k ▼ 35.3%
Equity and liabilities €87k
Equity
€69k ▼ 27.1%
Debt
€18k ▼ 35.7%
Debt's share of the balance-sheet total falls from 23.3% to 21.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-24k▼
2024 · €7k
Cash flow
€-24k▼
2024 · €7k
Current ratio
3.42▲
2024 · 3.40
Debt to equity
0.27▼
2024 · 0.30
ROE
-37.2%▼
2024 · -8.5%
ROA
-29.3%▼
2024 · -6.5%
Interest coverage
-94.18▼
2024 · 16.51
Debt ≤ 1 year
€18k▼
2024 · €29k
Income taxes
€204▲
2024 · €203
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 · 34 lines
Balance sheet
Code20242025
Assets
Total assets20/58€123k€87k▼
Fixed assets21/28€26k€24k▼
Tangible fixed assets22/27€26k€24k▼
Plant, machinery and equipment23€925€410▼
Furniture and vehicles24€25k€24k▼
Current assets29/58€97k€63k▼
Cash at bank and in hand54/58€95k€61k▼
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€123k€87k▼
Equity10/15€94k€69k▼
Contributions10/11€115k€115k=
Reserves13€42k€42k=
Distributable reserves133€42k€42k=
Profit (loss) carried forward14€-63k€-88k▼
Amounts payable17/49€29k€18k▼
Amounts payable within one year42/48€29k€18k▼
Current portion of amounts payable after more than one year42€9k-
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€377€204▼
Taxes450/3€377€204▼
Other amounts payable47/48€17k€17k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€1k▼
Other operating charges640/8€3k€878▼
Gross operating margin9900€10k€-23k▼
Operating profit (loss)9901€-7k€-25k▼
Financial charges65/66B€448€251▼
Recurring financial charges65€448€251▼
Profit (loss) for the period before taxes9903€-8k€-25k▼
Income taxes67/77€203€204▲
Profit (loss) for the period9904€-8k€-26k▼
Profit (loss) for the period to be appropriated9905€-8k€-26k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-63k€-88k▼
Profit (loss) brought forward from the previous period14P€-55k€-63k▼
The notes to these accounts (6 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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Weakest financial yearnet €-57k
Net result drops to €-57k, the lowest in the series; recovery starts the following year.
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €159k ▲13.1%
5 profitable years in a row build equity to €159k.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
04-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 277 days late
2020
31-12
Financial
Equity above €100kEq €111k ▲18.3%
3 profitable years in a row build equity to €111k.
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 68 days late
2019
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 52 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Tongeren-Borgloon · 1 establishment unit since 2008
Ground area
1,023 m²
Building footprint
159 m²
Volume, LiDAR
66 m³
Parcel 73044B0078/00D003, Flanders · tallest building 5.0 m. Linked by address, not a title deed.
1 establishment unit
Kraaibornstraat 75, 3700 Tongeren-Borgloon
since 20082.175.097.019
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73044B0078/00D003 | Flanders | 1,023 m² | 1 · 159 m² | 5.0 m |
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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Of 29,993 companies in sector 62200 we hold annual accounts for 18,396. 15,533 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
Founded04-12-2008
Fiscal year end31-12
Abbreviation NL
FDS
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
62900Other information technology and computer services
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.