FHB Belgium
ActiveSummary
The computed 12-month bankruptcy probability of FHB Belgium is 2.3% (moderate). The 2025 annual accounts show equity of €61k and a net result of €-4k. Equity is growing by ~3.5% per year across the filed fiscal years. The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability23▼-2
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 1.98 against 0.1 in 2024; short-term debt: 0.6% and cash: 1.3% of total assets), and 1.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
26 d late
2023
98 d late
2022
75 d late
2021
61 d late
2020
88 d late
2019
92 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, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-4k▼ 3.4%
2024 · €-3k
2018: €-65k
2019: €-6k
2020: €-5k
2021: €9k
2022: €7k
2023: €8k
2024: €-3k
2018 → 2025
Working capital
€392
2024 · €-3k
2018: €44k
2019: €37k
2021: €11k
2022: €90
2023: €-2k
2024: €-3k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€53k-€60k▲ 13.5%€68k▲ 12.8%€65k▼ 5.1%€61k▼ 5.5%
Operating result€9k-€10k▲ 8.2%€11k▲ 6.9%€-3k€-4k▼ 3.3%
Net result€9k-€7k▼ 18.1%€8k▲ 8.2%€-3k€-4k▼ 3.4%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €4k in 2025 against €3k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €62k
Fixed assets
€61k ▼ 9.6%
Current assets
€792 ▲ 176%
Equity and liabilities €62k
Equity
€61k ▼ 5.5%
Debt
€710 ▼ 77.3%
Debt's share of the balance-sheet total falls from 4.6% to 1.2%. Equity and debt are lower.
Key figures and ratios
Current ratio
1.98▲
2024 · 0.10
Debt to equity
0.01▼
2024 · 0.05
ROE
-5.9%▼
2024 · -5.4%
ROA
-5.8%▼
2024 · -5.1%
Debt ≤ 1 year
€400▼
2024 · €3k
Debt > 1 year
€310=
2024 · €310
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 · 26 lines
Balance sheet
Code20242025
Assets
Total assets20/58€68k€62k▼
Fixed assets21/28€67k€61k▼
Financial fixed assets28€67k€61k▼
Current assets29/58€287€792▲
Cash at bank and in hand54/58€287€792▲
Equity and liabilities
Total equity and liabilities10/49€68k€62k▼
Equity10/15€65k€61k▼
Contributions10/11€30k€30k=
Profit (loss) carried forward14€35k€31k▼
Amounts payable17/49€3k€710▼
Amounts payable after more than one year17€310€310=
Other amounts payable178/9€310€310=
Amounts payable within one year42/48€3k€400▼
Trade debts44-€400
Suppliers440/4-€400
Taxes, remuneration and social security45€3k-
Taxes450/3€3k-
Income statement
Code20242025
Gross operating margin9900€-3k€-4k▼
Operating profit (loss)9901€-3k€-4k▼
Financial charges65/66B€56€63▲
Recurring financial charges65€56€63▲
Profit (loss) for the period before taxes9903€-3k€-4k▼
Profit (loss) for the period9904€-3k€-4k▼
Profit (loss) for the period to be appropriated9905€-3k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€35k€31k▼
Profit (loss) brought forward from the previous period14P€38k€35k▼
The notes to these accounts (3 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Liquidity times 19current ratio 1.98
Current ratio from 0.10 to 1.98; short-term debt falls from €3k to €400.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · unclassified schema · 26 days late
2024
06-11
NBB filing
Annual accounts filed
fiscal year 2023 · unclassified schema · 98 days late
2023
14-10
NBB filing
Annual accounts filed
fiscal year 2022 · unclassified schema · 75 days late
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · unclassified schema · 61 days late
2021
31-12
Financial
Back to profitnet €9k
Net result €9k after 3 loss-making years.
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 88 days late
2020
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 92 days late
07-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 160 days late
2018
22-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 53 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Vorst · 1 establishment unit since 2016
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.
Oude Vijversstraat 401190 VorstGround area
1,894 m²
Building footprint
682 m²
Volume, LiDAR
5,046 m³
Parcel 21382C0028/00G003, Brussels · tallest building 8.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
FHB Belgium
since 20162.248.630.838
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21382C0028/00G003 | Brussels | 1,894 m² | 1 · 682 m² | 8.8 m · 3 fl. |
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.
Recognitions · licences · registrations
Legal Entity Identifier
9676002YK374HOQT7N60
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-12-2015
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.