Active BE 1004.897.234Private limited company

FNM-Services

Napoleonkaai 51 ·2000 Antwerpen, Belgium· 2 yrs active

Sector: Administratieve en ondersteunende activiteiten ten behoeve van kantoren (82100)

Conclusion Checked

The 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.

Key figures

Equity	€-19k
Net result	€-21k
Staff (FTE)	1.7
Better than sector	9%

Financial profile 4 of 5 axes measured · computed by Checked

58 / 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

Bankruptcy probability (12 mo) Checked model v1 · free

1.6% 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?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Young 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 Flags0 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 2024 · computed

25 / 100 Weak

050100

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.

Financial overview1 NBB filings

Annual 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%	better than 9% of 3178 sector peers
Net result	€-21k	€18k	better than 5% of 3177 sector peers
Equity	€-19k	€40k	better than 5% of 3180 sector peers
Gross operating margin	€57k	€36k	better than 65% of 3177 sector peers
Staff costs	€77k	€22k	higher than 80% of 481 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Highlight YoY changes (±10%)

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

Assets

Fixed assets €8k · 8.0% Current assets €93k · 92.0%

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.

Legal Structure

NACE primary	Administratieve en ondersteunende activiteiten ten behoeve van kantoren(82100)
Legal form	Private limited company(610)
Incorporation	18-01-2024
Status	Active
Postal code	2000

Establishment units 1 location

FNM-Services

Napoleonkaai 51, 2000 AntwerpenHandelsbemiddeling in de groothandel in andere specifieke goederen

since 20242.355.042.511

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.

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.

Updates 2 events

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

2025

18-07-2025

NBB filing Annual accounts filed

fiscal year 2024 · micro

2024

14-05-2024

State Gazette act Director changes

Belgian State Gazette reading coverage 0 of 2 acts read

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts

All acts · 1 updated 2 years ago

2024

14-05-2024 Discharge granted to the board Director changes

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Administratieve en ondersteunende activiteiten ten behoeve van kantoren82100Diverse administratieve activiteiten ten behoeve van kantoren82110Uitgeven 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, 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.

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