FML Holding
ActiveSummary
FML Holding has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €112k and a net result of €80k. Its solvency ranks better than 27% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▼-9
Solvency50▼-5
Growth78
Track record82
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days only on tighter terms
Liquidity short (current ratio 0.68 against 0.9 in 2024; short-term debt: 13.5% and cash: 8.6% of total assets), and 75% 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.
−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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
25%
Return on assets
17.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 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.
NBB · 2 filingsDeviation from the deadline
2025
29 d late
2024
27 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
Equity
€112k▲ 246%
2024 · €32k
2024: €32k
2024 → 2025
Total assets
€449k▲ 318%
2024 · €107k
2024: €107k
2024 → 2025
Net result
€80k▲ 166%
2024 · €30k
2024: €30k
2024 → 2025
Working capital
€-20k▼ 291%
2024 · €-5k
2024: €-5k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€32k-€112k▲ 246%
Operating result€39k-€111k▲ 182%
Net result€30k-€80k▲ 166%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 182% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €449k
Fixed assets
€408k ▲ 581%
Current assets
€41k ▼ 13.5%
Equity and liabilities €449k
Equity
€112k ▲ 246%
Debt
€337k ▲ 350%
Debt's share of the balance-sheet total rises from 69.8% to 75.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€133k▲
2024 · €44k
Cash flow
€102k▲
2024 · €35k
Current ratio
0.68▼
2024 · 0.90
Debt to equity
3.01▲
2024 · 2.31
ROE
71.1%▼
2024 · 92.3%
ROA
17.7%▼
2024 · 27.9%
Interest coverage
31.91▼
2024 · 4111.27
Debt ≤ 1 year
€61k▲
2024 · €52k
Debt > 1 year
€259k
Income taxes
€27k▲
2024 · €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 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€107k€449k▲
Fixed assets21/28€60k€408k▲
Tangible fixed assets22/27€60k€408k▲
Land and buildings22-€328k
Furniture and vehicles24€60k€80k▲
Financial fixed assets28€0€0=
Current assets29/58€47k€41k▼
Cash at bank and in hand54/58€46k€39k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€107k€449k▲
Equity10/15€32k€112k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€30k€109k▲
Amounts payable17/49€75k€337k▲
Amounts payable after more than one year17-€259k
Financial debts170/4-€259k
Amounts payable within one year42/48€52k€61k▲
Current portion of amounts payable after more than one year42-€12k
Trade debts44€26k€1k▼
Suppliers440/4€26k€1k▼
Taxes, remuneration and social security45€27k€48k▲
Taxes450/3€27k€48k▲
Accrued charges and deferred income492/3€22k€17k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€22k▲
Other operating charges640/8€12k€27k▲
Gross operating margin9900€56k€160k▲
Operating profit (loss)9901€39k€111k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€11€4k▲
Recurring financial charges65€11€4k▲
Profit (loss) for the period before taxes9903€39k€107k▲
Income taxes67/77€9k€27k▲
Profit (loss) for the period9904€30k€80k▲
Profit (loss) for the period to be appropriated9905€30k€80k▲
Appropriation of the result
Profit (loss) to be appropriated9906€30k€109k▲
Profit (loss) brought forward from the previous period14P-€30k
The notes to these accounts (10 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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
31-12
Financial
Equity above €100kEq €112k ▲246%
2 profitable years in a row build equity to €112k.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Oreye · 1 establishment unit since 2024
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.
Rue L. Maréchal 1884360 Oreye1 establishment unit
FML Holding
since 20242.363.511.007
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 40,767 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
Founded05-08-2024
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
64210Activities of holding companies
66199Other activities auxiliary to financial services, excluding insurance and pension funding
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filings
Scores and ratios are computed by Checked and are not a credit decision.