Age2 yrs
Real estate1 parcel · 436 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of FNM-Services is 1.6% (moderate). The 2024 annual accounts show negative equity (€-19k) and a net result of €-21k. Its solvency ranks better than 9% of 3178 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone1.6%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Annual accounts: weaker financial profile
+Lower-failure-rate sector
−
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Signals
1 signal · with evidenceNegative equity
Equity is negative for financial year 2024: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
View the annual accounts Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideLatest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 18-07-2025, 13 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2024 | 31-07-2025 | 18-07-2025 | 13 d early | 2025-00285839 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsYoung company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
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.
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-21k
Working capital€-28k
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 18-07-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 82 · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -19.3% | 53.8% | |
| Net result | €-21k | €18k | |
| Equity | €-19k | €40k | |
| Gross operating margin | €57k | €36k | |
| Staff costs | €77k | €22k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €-20k |
| Net profit | €-21k |
| Cash flow | €-21k |
| Staff costs | €77k |
| Income taxes | €500 |
| Dividends | - |
| Total assets | €101k |
| Equity | €-19k |
| Debt | €120k |
| of which ≤ 1y | €120k |
| of which > 1y | - |
| Working capital | €-28k |
| Employees (FTE) | 1.7 |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 0.77 |
| Quick ratio | 0.77 |
| Working capital ratio | -27.3% |
| Solvency | -19.3% |
| Debt / equity | -6.18 |
| Long-term debt ratio | - |
| Interest coverage | - |
| Gross margin | - |
| Net margin | - |
| ROA | -21.3% |
| ROE | 110.3% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts (19 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €101k |
| Fixed assets | 21/28 | €8k |
| Intangible fixed assets | 21 | €8k |
| Current assets | 29/58 | €93k |
| Amounts receivable within one year | 40/41 | €29k |
| Cash & bank | 54/58 | €63k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €101k |
| Equity | 10/15 | €-19k |
| Contributions / capital | 10/11 | €2k |
| Accumulated profits (losses) | 14 | €-21k |
| Amounts payable | 17/49 | €120k |
| Amounts payable within one year | 42/48 | €120k |
| Trade debts payable within one year | 44 | €108k |
| Income statement | ||
| Gross operating margin | 9900 | €57k |
| Operating result | 9901 | €-21k |
| Result before taxes | 9903 | €-21k |
| Income taxes | 67/77 | €500 |
| Net result for the period | 9904 | €-21k |
| Result to be appropriated | 9905 | €-21k |
Ratios computed by Checked.
Health barometer
FY 2024 · computed25
/ 100
Weak
Computed from 3 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Structure & network
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
Napoleonkaai 512000 AntwerpenEstablishment units
1 locationFNM-Services
since 20242.355.042.511
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area436 m²
Buildings1
Building footprint322 m²
Volume (LiDAR)6,356 m³
Tallest building24.9 m · ±7 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels 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.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11802B0057/00H005 | Flanders | 435 m² | 1 · 322 m² | 24.9 m · 7 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
1 acts All acts · 1
updated 2 years ago
2024
14-05-2024 Discharge granted to the board
Analysis
Financial profile
4 of 5 axes measured58
/ 100
Mixed profile: strong on profitability, weaker on health.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
25
Profitability
100
Solvency
39
Growth
-
Stability
67
Credit advice
verdict per customer and amountSimilar
Similar companies
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BE 0787.392.847 · Antwerpen
BE 0662.970.353 · Antwerpen
BE 1029.668.262 · Antwerpen
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 962 of the 11,186 companies in this sector.
Company registry
Company registry (CBE)
Crossroads BankActivities
Administratieve en ondersteunende activiteiten ten behoeve van kantoren82100Diverse administratieve activiteiten ten behoeve van kantoren82110Overige uitgeverijen van software58290Uitgeven van overige software58290Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Fotokopiëren, documentvoorbereiding en andere gespecialiseerde ondersteunende activiteiten ten behoeve van kantoren82190Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
| Legal nameNL | FNM-Services |
Registered office
Napoleonkaai 51
2000 Antwerpen, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.