FDH
ActiveSummary
The computed 12-month bankruptcy probability of FDH is 4.8% (elevated). The annual accounts of FDH for fiscal year 2025 show a net loss of 214% of total assets and of 80% of the equity at the start of that year. The 2025 annual accounts show equity of €8k and a net result of €-33k. Equity is growing by ~17% per year across the filed fiscal years. Its solvency ranks better than 72% of 3674 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
41
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-36
Solvency77▼-23
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
4.8%
Elevated
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.93; short-term debt: 47.7% of total assets), and 47.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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
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
52.3%
Return on assets
-213.9%
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
2021232425
2020 to 2025 · latest year €-33k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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
27 d late
2024
60 d late
2023
61 d late
2021
31 d late
2020
31 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€8k▼ 80.4%
2024 · €41k
2020: €-11k
2021: €26k
2023: €41k
2024: €41k
2020 → 2025
Total assets
€15k▼ 62.4%
2024 · €41k
2020: €1k
2021: €40k
2023: €41k
2024: €41k
2020 → 2025
Net result
€-33k▼ 18,870%
2024 · €-172
2020: €-11k
2021: €31k
2023: €-2k
2024: €-172
2020 → 2025
Working capital
€-484
2021 · €17k
2020: €-11k
2021: €17k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202320242025Trend
Equity€-11k-€26k€41k▲ 59.0%€41k▼ 0.4%€8k▼ 80.4%
Operating result€-11k-€31k€-2k€-172▲ 88.8%€-24k▼ 13,909%
Net result€-11k-€31k€-2k€-172▲ 88.8%€-33k▼ 18,870%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €24k in 2025 against €172 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
Assets €15k
Fixed assets
€8k
Current assets
€7k
Equity and liabilities €15k
Equity
€8k
Debt
€7k
Debt finances 47.7% of the balance-sheet total.
Key figures and ratios
Current ratio
0.93
Debt to equity
0.91
ROE
-409.0%▼
2024 · -0.4%
ROA
-213.9%▼
2024 · -0.4%
Debt ≤ 1 year
€7k
Income taxes
€9k
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€41k€15k▼
Fixed assets21/28-€8k
Tangible fixed assets22/27-€8k
Plant, machinery and equipment23-€7k
Furniture and vehicles24-€780
Other tangible fixed assets26-€1k
Current assets29/58€41k€7k▼
Amounts receivable within one year40/41€41k-
Other amounts receivable41€41k-
Deferred charges and accrued income490/1-€7k
Equity and liabilities
Total equity and liabilities10/49€41k€15k▼
Equity10/15€41k€8k▼
Contributions10/11€5k€5k=
Capital10€5k€5k=
Issued capital100€5k€5k=
Profit (loss) carried forward14€36k€3k▼
Amounts payable17/49-€7k
Amounts payable within one year42/48-€7k
Financial debts43-€22
Credit institutions430/8-€22
Trade debts44-€91
Suppliers440/4-€91
Taxes, remuneration and social security45-€12
Taxes450/3-€12
Other amounts payable47/48-€7k
Income statement
Code20242025
Gross operating margin9900€-172€-24k▼
Operating profit (loss)9901€-172€-24k▼
Financial charges65/66B-€1
Recurring financial charges65-€1
Profit (loss) for the period before taxes9903€-172€-24k▼
Income taxes67/77-€9k
Profit (loss) for the period9904€-172€-33k▼
Profit (loss) for the period to be appropriated9905€-172€-33k▼
Appropriation of the result
Profit (loss) to be appropriated9906€36k€3k▼
Profit (loss) brought forward from the previous period14P€36k€36k▼
The notes to these accounts (4 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
24-09
State Gazette act
Registered-office move · General meetingRegistered-office move2 facts ▸
State Gazette act
Registered-office move · General meeting
Registered-office move2 facts ▸
- Registered-office move, Singelstraat 73, 3550 Heusden-Zolder
- General meeting, 30-04-2025
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
2025
31-12
Financial
Weakest financial yearnet €-33k
Net result drops to €-33k, the lowest in the series.
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €31k
Net result €31k after one loss-making year.
31-12
Financial
Liquidity times 20current ratio 2.19
Current ratio from 0.11 to 2.19.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Heusden-Zolder · 1 establishment unit since 2020
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.
Singelstraat 733550 Heusden-ZolderGround area
1,371 m²
Building footprint
398 m²
Volume, LiDAR
4,102 m³
2 parcels, Flanders · tallest building 17.9 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
FDH
since 20202.298.936.028
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72015B0536/00H002 | Flanders | 951 m² | 1 · 286 m² | 17.9 m · 5 fl. |
| 71025A0245/00M000 | Flanders | 420 m² | 1 · 111 m² | 0.0 m |
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.
Similar companies · same sector, comparable size
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Okka Groep
BE 0568.572.626
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MANHERT
BE 0671.736.282
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Désirée Oostende
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Of 20,493 companies in sector 56111 we hold annual accounts for 11,461. 6,383 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
Founded04-11-2019
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.