F.D. CLASSIC INTERIOR
ActiveF.D. CLASSIC INTERIOR has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20k and a net result of €471. Equity is growing by ~17.1% per year across the filed fiscal years. Its solvency ranks better than 20% of 401 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability17▼-34
Solvency20=
Growth40▼-32
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.14 against 1.21 in 2024), and 92.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 31
Relative position
BE, all sectors
reference
Sector 31
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 401 sector peers (2025).
NBB · sector comparisonPosition among 401 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 03-02-2026, 3 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
3 d late
2024
28 d late
2023
43 d late
2022
21 d late
2021
6 d late
2020
15 d late
2019
16 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close13-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€471k▼ 32.1%
2024 · €692k
2022: €391k
2023: €560k
2024: €692k
2022 → 2025
EBIT margin
2.4%▼ 0.8pp
2024 · 3.1%
2022: 0.1%
2023: 1.4%
2024: 3.1%
2022 → 2025
Net result
€471▼ 96.9%
2024 · €15k
2019: €3k
2020: €-122k
2021: €72k
2022: €-3k
2023: €633
2024: €15k
2019 → 2025
Working capital
€31k▼ 36.4%
2024 · €49k
2019: €85k
2020: €-15k
2021: €48k
2022: €42k
2023: €33k
2024: €49k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€391k€560k▲ 43.1%€692k▲ 23.8%€471k▼ 32.1%
Equity€7k-€4k▼ 40.7%€5k▲ 16.0%€20k▲ 326%€20k▲ 2.4%
Operating result€81k-€363▼ 99.6%€8k▲ 2,035%€22k▲ 180%€11k▼ 48.6%
Net result€72k-€-3k€633€15k▲ 2,264%€471▼ 96.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 49% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €252k
Fixed assets
€3k▼ 24.6%
Current assets
€249k▼ 12.4%
Equity and liabilities €252k
Equity
€20k▲ 2.4%
Debt
€232k▼ 13.6%
The debt ratio falls from 93.2% to 92.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€12k▼
2024 · €22k
Cash flow
€2k▼
2024 · €16k
Solvency
7.9%▲
2024 · 6.8%
Current ratio
1.14▼
2024 · 1.21
Quick ratio
0.84▼
2024 · 0.84
Debt / equity
11.60▼
2024 · 13.75
ROE
2.4%▼
2024 · 76.5%
ROA
0.2%▼
2024 · 5.2%
Interest coverage
1.59▼
2024 · 4.45
Debt
€232k▼
2024 · €269k
Debt ≤ 1 year
€218k▼
2024 · €235k
Debt > 1 year
€2k▼
2024 · €23k
Income taxes
€4k▼
2024 · €8k
Staff costs
€109k▼
2024 · €136k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€288k€252k▼
Fixed assets21/28€4k€3k▼
Tangible fixed assets22/27€4k€3k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€795€572▼
Financial fixed assets28€265€305▲
Current assets29/58€284k€249k▼
Amounts receivable after more than one year29€75k€99k▲
Other amounts receivable291€75k€99k▲
Stocks and contracts in progress3€86k€66k▼
Stocks30/36€86k€66k▼
Amounts receivable within one year40/41€119k€85k▼
Trade receivables40€113k€74k▼
Other amounts receivable41€6k€10k▲
Deferred charges and accrued income490/1€4k€63▼
Equity and liabilities
Total equity and liabilities10/49€288k€252k▼
Equity10/15€20k€20k▲
Contributions10/11€21k€21k=
Profit (loss) carried forward14€-2k€-1k▲
Amounts payable17/49€269k€232k▼
Amounts payable after more than one year17€23k€2k▼
Financial debts170/4€23k€2k▼
Amounts payable within one year42/48€235k€218k▼
Current portion of amounts payable after more than one year42€5k€10k▲
Financial debts43€48k€23k▼
Credit institutions430/8€6k-
Other loans439€42k€23k▼
Trade debts44€153k€123k▼
Suppliers440/4€153k€123k▼
Advances received on contracts in progress46€14k€40k▲
Taxes, remuneration and social security45€14k€22k▲
Taxes450/3€4k€3k▼
Remuneration and social security454/9€11k€18k▲
Accrued charges and deferred income492/3€11k€12k▲
Income statement
Code20242025
Turnover70€692k€471k▼
Goods, raw materials, services and sundry goods60/61€516k€343k▼
Remuneration, social security and pensions62€136k€109k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€551€1k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€15k€4k▼
Other operating charges640/8€4k€2k▼
Gross operating margin9900€176k€127k▼
Operating profit (loss)9901€22k€11k▼
Financial income75/76B€6k€1k▼
Recurring financial income75€6k€1k▼
Financial charges65/66B€5k€8k▲
Recurring financial charges65€5k€8k▲
Non-recurring financial charges66B€218-
Profit (loss) for the period before taxes9903€22k€5k▼
Income taxes67/77€8k€4k▼
Profit (loss) for the period9904€15k€471▼
Profit (loss) for the period to be appropriated9905€15k€471▼
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€-1k▲
Profit (loss) brought forward from the previous period14P€-16k€-2k▲
The notes to these accounts (11 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
03-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
28-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
14-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 43 days late
2023
30-06
Financial
Back to profitnet €633
Net result €633 after one loss-making year.
21-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 21 days late
2022
06-02
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 6 days late
2021
30-06
Financial
Back to profitnet €72k
Net result €72k after one loss-making year.
15-02
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 15 days late
2020
30-06
Financial
Weakest financial yearnet €-122k ▼4789%
Net result drops to €-122k, the lowest in the series; recovery starts the following year.
15-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
25-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
11-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
10-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Mechelen · 1 establishment unit since 1994
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.
Onze-Lieve-Vrouwestraat 1432800 MechelenGround area
40 m²
Building footprint
40 m²
Volume, LiDAR
551 m³
Parcel 12025D0534/00F000, Flanders · tallest building 16.2 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
F.D. CLASSIC INTERIOR
since 19942.065.806.030
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12025D0534/00F000 | Flanders | 40 m² | 1 · 40 m² | 16.2 m · 5 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 473 EUR awarded · 473 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 270 EUR | 270 EUR |
| 2023 | 1 | 0 EUR | 203 EUR |
| 2022 | 1 | 203 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Dual-learning approval
3 live approvalsBinnenschrijnwerk en interieur duaal (so)
Interieurbouwer duaal (so)
Machinaal houtbewerker duaal (so)
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Of 1,496 companies in sector 31004 we hold annual accounts for 614. 321 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded24-02-1994
Fiscal year end30-06
Activities, NACEBEL
31004Manufacture of dining room, living room, bedroom and bathroom furniture
36141
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.