Equity
€110,061 ▲ 14×
Equity rose in 2025 from €7,851 to €110,061.
F & D COMPANY
Lifetime
20 annual accounts with figures on one time axis, 27 filings since 1999Gross marginpeak €448,755 (2025)
€448,755▲ 46.3%
Resultlowest -€117,307 (2024)
€102,210▲ €219,517
Equitypeak €231,571 (2022)
€110,061▲ 14×
Debts
€697,563▼ 21.5%
Staffpeak 6.8 FTE (2022)
5.1 FTE▼ 16.4%
Board2 names since 2021
1 directorDYKMANS Didier
Documentsfilings and deeds
19-06-202642 days before the deadline
2025abbreviated format
Gross margin from €306,837 to €448,755Back to profit: €102,210Staff from 6.1 FTE to 5.1 FTEEquity from €7,851 to €110,061Debts from €888,468 to €697,563Cash from €57,425 to €101,365
Key points
from the 2025 annual accountsTurnover
≈ €880,000 estimated
The accounts state no turnover.
Debts
€697,563 86% of the balance sheet
Financial debts 62%Suppliers 17%Taxes and wages 13%Other 7%
Of this, €690,065 falls due within a year.
Staff
5 employees on 31-12-2025
In 2025, 48 people joined and 50 left.
Filings
27 annual accounts since 1999
Five of the last ten came late. The 2016 accounts came latest: 31 days after the end of the period.
Position in the sector
13.6%
Lower solvency than 81% of companies in building services and landscaping. Sector median 42.2% · 1,562 companies.
Checked score
67
Healthy
Financially stronger than 40% of micro companies in building services and landscaping (NACE 81)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.9% across 7,710 companies (NACE 81, micro).
About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 3.3%
01-2025: 3.3%● unchanged vs 12-2024
02-2025: 3.3%● unchanged vs 01-2025
03-2025: 3.2%▼ -0.1 percentage points vs 02-2025
04-2025: 3.3%▲ +0.1 percentage points vs 03-2025
05-2025: 3.3%● unchanged vs 04-2025
06-2025: 3.3%● unchanged vs 05-2025
07-2025: 3.7%▲ +0.4 percentage points vs 06-2025
08-2025: 4.1%▲ +0.4 percentage points vs 07-2025
09-2025: 4.1%● unchanged vs 08-2025
10-2025: 4.1%● unchanged vs 09-2025
11-2025: 4.1%● unchanged vs 10-2025
12-2025: 4.1%● unchanged vs 11-2025
01-2026: 4.1%● unchanged vs 12-2025
02-2026: 4.1%● unchanged vs 01-2026
03-2026: 4.1%● unchanged vs 02-2026
04-2026: 4.1%● unchanged vs 03-2026
05-2026: 4.1%● unchanged vs 04-2026
06-2026: 4.4%▲ +0.3 percentage points vs 05-2026highest value
07-2026: 0.8%▼ -3.6 percentage points vs 06-2026lowest value
08-2026: 0.8%● unchanged vs 07-2026lowest value
09-2026: 0.8%● unchanged vs 08-2026lowest value
10-2026: 0.8%● unchanged vs 09-2026lowest value
11-2026: 0.8%● unchanged vs 10-2026lowest value
Financial strengthWeak
Score breakdown
raises risk
Equity €110,061 (13.6% of total assets)
Sector: Services to buildings and landscape activities (NACE 81)
3 establishment units
lowers risk
Figures for financial year 2025 (filed on 19-06-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 81, micro). It does better than 21% of them on solvency, 12% on liquidity, 27% on profitability and 99% on growth.
The bankruptcy probability was computed on 04-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 3,818 companies had the same profile as F & D COMPANY has now. Each dot stands for 10 companies, two years later.
95.1%
were still trading
3.7%
stopped another way
1.0%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of F & D COMPANY itself: 0.8% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 3,818 companies, not a prediction for F & D COMPANY. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €7,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.96 (0.85 in 2024), below 1. Short-term debt is 85.4% and cash 12.6% of total assets. 86.4% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 1562 sector peers (2025).
NBB · sector comparisonPosition among 1562 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-06-2026, 42 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
42 days early
2024
on the day
2023
28 days late
2022
31 days early
2021
12 days early
2020
31 days late
2019
31 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 1 day after the deadline. In the sector (NACE 81), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 19 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
05-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
New director
DYKMANS Didier appointed, DYKMANS Didier resigned · Permanent representative: DOMS Nathalie Jeanne Leopold Michel Yves Maria · “De groot- en kleinhandel in golfmateriaal,-kledij,-schoenen en aanverwante producten; Het huren en verhuren…” (deed in Dutch) · General meeting of 21-12-2023 · Gazette deed
Appointment: BV ND Company (director)
Permanent representative: Nathalie Doms · General meeting of 30-12-2021 · Gazette deed
New establishment in Schilde
The Golf Company Rikven, Sint Jobsteenweg 120
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0462282303
Comparable companies
same main activity, similar in size and age| Company | Total assets | Gross margin | Solvency | Staff |
|---|---|---|---|---|
| F & D COMPANY Sint-Niklaas | €0.8m | €448,755 | 13.6% | 5.1 |
| FIRE CLEAN Evere | €0.5m | €442,472 | 67.9% | 5.8 |
| D.V.G.-Services Sint-Niklaas | €1.3m | €570,840 | 80.5% | 2.1 |
| ENTREPRISES MOONS Manage | €1.1m | €572,886 | 67.4% | 10.2 |
| ASSAINISSEMENT ET SOIN DE VOTRE PATRIMOINE Andenne | €0.8m | €574,571 | -80.5% | 12.2 |
| DELI CLEAN Wevelgem | €1.2m | €710,297 | 66.2% | 9.1 |
| ROY -ANN-CLEAN Charleroi | €1.1m | €267,932 | 51.7% | 4.1 |
These companies have the same main activity as F & D COMPANY: general cleaning of buildings (NACE 81210). They are comparable in size and age: total assets between €533,000 and €1.3m, founded between 1992 and 2005.
Official details
Source: KBO- Status
- Active since 06-01-1998Normal situation
- Activity
- General cleaning of buildingsNACE 81210and 4 others
- Joint committee
- 201Independent retail · annual accounts 2025
- Establishment units
- 2.306.518.9532150 Borsbeek, since 01-02-2020
- 2.306.518.8542650 Edegem, since 01-07-2020and 1 other
- Financial year end
- 31 December
- Peppol
- Reachable since 20-11-2020
Annual accounts 2025
- Total assets
- €807,624▼ 9.9%
- Employeeson 31-12-2025
- 5▼ 28.6%
- Filing
- Filed on 19-06-2026, 42 days before the end of the filing period
Insights on F & D COMPANY
F & D COMPANY files the abbreviated format. That format states no turnover. The gross margin rose from €9,050 in 2006 to €448,755 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about F & D COMPANY
- What is the company number of F & D COMPANY?
- The company number of F & D COMPANY is 0462.282.303. The VAT number is the same number with BE in front: BE 0462.282.303.
- Where is F & D COMPANY based?
- The registered office is at Prinses Jos.-Charlottelaan 75, 9100 Sint-Niklaas.Company details
- What does F & D COMPANY do?
- According to the KBO register, the main activity is general cleaning of buildings (NACE 81210).
- What is the legal form of F & D COMPANY?
- F & D COMPANY is a private limited company (BV).
- When was F & D COMPANY founded?
- F & D COMPANY was founded on 06-01-1998.
- Is F & D COMPANY still active?
- Yes, F & D COMPANY is an active enterprise in the KBO register.
- How many employees does F & D COMPANY have?
- F & D COMPANY had an average of 5.1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does F & D COMPANY fall under?
- In its 2025 annual accounts, F & D COMPANY states joint committee 201 (Independent retail).
- What is the turnover of F & D COMPANY?
- The turnover in financial year 2025 is ≈ €880,000. This figure is estimated from the gross margin of €448,755 and 51 comparable companies (NACE 81). It probably lies between €610,000 and €1.3m.
- Is F & D COMPANY profitable?
- In financial year 2025, F & D COMPANY made a profit of €102,210.
- Where can I find the annual accounts of F & D COMPANY?
- F & D COMPANY filed 27 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of F & D COMPANY due?
- F & D COMPANY must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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