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Generated 14-08-2026
Active BE 0460.119.104Non-profit association

Fjäril

François Sebrechtslaan 47 ·1080 Sint-Jans-Molenbeek, Belgium· 30 yrs active
Sector: Kinderdagverblijven en crèches (88911)
Conclusion Checked

The computed 12-month bankruptcy probability of Fjäril is < 0.1% (very low). The 2023 annual accounts show equity of €278k and a net result of €47k. Its solvency ranks better than 70% of 131 sector peers (fiscal year 2023). The company has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €278k
Net result €47k
Better than sector 70%
Active 30 yrs
Snowflake analysis 5 of 5 axes measured · computed by Checked
Health72Profitability61Solvency55Growth78Stability100
73 / 100

Strong profile, led by stability.

All 5 axes are computed from data Checked has read.

Health 72
Profitability 61
Solvency 55
Growth 78
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
< 0.1% Very low
0%0,5%1,5%4%10%≥25%
Lower-risk legal form −Lower-failure-rate sector −Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Long-established
Founded in 1996, 30 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags 0 events
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.
Health barometer FY 2023 · computed
72 / 100 Healthy
050100
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.

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Computed by Checked from the NBB filing for FY 2023. Indicative, not credit advice.
Financial overview2 NBB filings
Annual accounts filed on 09-09-2024 with the NBB · fiscal year 2023 · micro
€0€500k€1.00MOperating result 2022: €18k€18kNet result 2022: €18k€18kRevenue 2023: €1.14M€1.14MOperating result 2023: €47k€47kNet result 2023: €47k€47k20222023
RevenueOperating resultNet result
Sector comparison
Fiscal year 2023 · NACE 88 · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 43.6% 21.5%
better than 70% of 131 sector peers
Net result €47k €11k
better than 83% of 131 sector peers
Equity €278k €19k
better than 94% of 131 sector peers
Gross operating margin €992k €158k
better than 95% of 131 sector peers
Staff costs €874k €170k
higher than 95% of 109 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Revenue
€1.14M
- 22-23
EBITDA
€118k
+32.5% 22-23
Net profit
€47k
+164.8% 22-23
Cash flow
€117k
+33.0% 22-23
Total assets
€638k
-1.7% 22-23
Equity
€278k
+20.2% 22-23
Working capital
€-181k
+8.4% 22-23
Employees (FTE)
14
- 22-23
Staff costs
€874k
+28.6% 22-23
Debt
€360k
-13.8% 22-23
Debt ≤ 1y
€279k
+3.7% 22-23
Debt > 1y
€80k
-45.7% 22-23
Current ratio
0.35
+32.3% 22-23
Quick ratio
0.35
+32.3% 22-23
Solvency
43.6%
+22.2% 22-23
Debt / equity
1.29
-28.3% 22-23
ROE
16.8%
+120.3% 22-23
ROA
7.3%
+169.2% 22-23
Net margin
4.1%
- 22-23
EBITDA margin
10.3%
- 22-23
Interest coverage
218.76
+85.8% 22-23
Figures by fiscal year
Fiscal year2023
Depositmicro
Revenue€1.14M
EBITDA€118k
Net profit€47k
Cash flow€117k
Staff costs€874k
Income taxes-
Dividends-
Total assets€638k
Equity€278k
Debt€360k
of which ≤ 1y€279k
of which > 1y€80k
Working capital€-181k
Employees (FTE)-
Ratios (computed)
2023
Current ratio0.35
Quick ratio0.35
Working capital ratio-28.4%
Solvency43.6%
Debt / equity1.29
Long-term debt ratio0.29
Interest coverage218.76
Gross margin86.1%
Net margin4.1%
ROA7.3%
ROE16.8%
EBITDA margin10.3%
Days sales outstanding17d
Days payable outstanding181d
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2023
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2023
Balance sheet, Assets
TOTAL ASSETS 20/58€638k
Fixed assets 21/28€539k
Tangible fixed assets 22/27€539k
Financial fixed assets 28€124
Current assets 29/58€98k
Amounts receivable within one year 40/41€54k
Cash & bank 54/58€44k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€638k
Equity 10/15€278k
Accumulated profits (losses) 14€277k
Amounts payable 17/49€360k
Amounts payable after one year 17€80k
Amounts payable within one year 42/48€279k
Trade debts payable within one year 44€79k
Income statement
Turnover 70€1.14M
Gross operating margin 9900€992k
Operating result 9901€47k
Financial charges 65€537
Result before taxes 9903€47k
Net result for the period 9904€47k
Result to be appropriated 9905€47k
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 3 directors
Current directors & mandates
  • Nils Faust
    Secretary
    State Gazette act 25065816 (22-05-2025)
    Current
    22-05-2025 → present
Former directors (2)
  • Aertsens
    Secretary
    State Gazette act 25065816 (22-05-2025)
    Former
    - → 22-05-2025
  • Verwimp
    Director
    State Gazette act 25065816 (22-05-2025)
    Former
    - → 22-05-2025
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.
Legal Structure
NACE primary Kinderdagverblijven en crèches(88911)
Legal form Non-profit association(017)
Incorporation01-07-1996
StatusActive
Postal code1080
Establishment units 2 locations
Fjäril
François Sebrechtslaan 47, 1080 Sint-Jans-MolenbeekGewoon technisch en beroepssecundair onderwijs ingericht door de Gemeenschappen
since 19962.163.091.288
Mia's Stables
Rue de Meslin l'Evêque(OL) 6, 7866 LessinesOverige menselijke gezondheidszorg, n.e.g.
since 20122.272.348.328
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels 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.

Wallonia 1 (50%) Brussels 1 (50%)
Parcel (capakey) Region Area Buildings Height / fl.
21526D0059/00W002 Brussels 1,602 m² 1 · 713 m² 23.7 m · 6 fl.
55030B0583/00F000 Wallonia 846 m² 1 · 193 m² -
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.
Updates 3 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
22-05-2025
State Gazette act Director changes
2024
09-09-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
03-10-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 1 year ago
2025
22-05-2025 1 director appointed, 2 resigning Director changes
  • Nils Faust, Secretaris
  • Verwimp, Bestuurder
  • Aertsens, Secretaris
Technical details 
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  "notary": {
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  "act_meta": {
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  },
  "decisions": [
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      "body": "algemene_vergadering",
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  "is_correction": false,
  "subject_company": {
    "kbo": "0460.119.104",
    "name_full": "ASBL FJARIL - LA CHENILLE BLEUE",
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}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Kinderdagverblijven, onthaalmoeders en overige kinderopvang, ook indien voor gehandicapte kinderen85321Kinderdagverblijven en crèches88911Kinderdagverblijven en crèches88911
Primary activity highlighted.
Names & trade names
Legal nameFR Fjäril
Registered office
François Sebrechtslaan 47
1080 Sint-Jans-Molenbeek, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative