F. Docq
ActiveF. Docq has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €89k and a net result of €42k. Equity is growing by ~15% per year across the filed fiscal years. Its solvency ranks better than 20% of 4488 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-6
Solvency32▼-14
Growth78=
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity short (current ratio 0.96 against 1.59 in 2024; short-term debt: 38.6% and cash: 7.2% of total assets), and 92.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
higher
← fewer bankruptcies
more bankruptcies →
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
7.5%
Return on assets
3.5%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 4488 sector peers (2025).
NBB · sector comparisonPosition among 4488 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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
28 d late
2024
27 d late
2023
26 d late
2022
28 d late
2021
26 d late
2020
31 d late
2019
24 d late
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€42k▼ 57.4%
2024 · €99k
2018: €41k
2019: €58k
2020: €-11k
2021: €75k
2022: €18k
2023: €44k
2024: €99k
2018 → 2025
Working capital
€-19k
2024 · €172k
2018: €30k
2019: €66k
2020: €78k
2021: €132k
2022: €175k
2023: €140k
2024: €172k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€181k-€198k▲ 9.8%€148k▼ 25.3%€247k▲ 66.7%€89k▼ 63.9%
Operating result€147k-€28k▼ 81.2%€96k▲ 247%€177k▲ 84.1%€94k▼ 46.7%
Net result€75k-€18k▼ 76.5%€44k▲ 151%€99k▲ 123%€42k▼ 57.4%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 47% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.20M
Fixed assets
€754k▲ 1.9%
Current assets
€443k▼ 4.1%
Equity and liabilities €1.20M
Equity
€89k▼ 63.9%
Debt
€1.11M▲ 16.0%
The debt ratio rises from 79.4% to 92.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€262k▼
2024 · €287k
Cash flow
€210k▲
2024 · €209k
Solvency
7.5%▼
2024 · 20.6%
Current ratio
0.96▼
2024 · 1.59
Quick ratio
0.96▼
2024 · 1.59
Debt / equity
12.42▲
2024 · 3.86
ROE
47.2%▲
2024 · 40.0%
ROA
3.5%▼
2024 · 8.2%
Interest coverage
7.22▼
2024 · 7.92
Debt
€1.11M▲
2024 · €955k
Debt ≤ 1 year
€462k▲
2024 · €290k
Debt > 1 year
€646k▼
2024 · €665k
Income taxes
€16k▼
2024 · €42k
Staff costs
€4k▼
2024 · €37k
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€1.20M€1.20M▼
Fixed assets21/28€740k€754k▲
Tangible fixed assets22/27€740k€754k▲
Land and buildings22€414k€391k▼
Plant, machinery and equipment23€5k€14k▲
Furniture and vehicles24€321k€350k▲
Current assets29/58€462k€443k▼
Amounts receivable within one year40/41€314k€335k▲
Trade receivables40€314k€335k▲
Cash at bank and in hand54/58€130k€86k▼
Deferred charges and accrued income490/1€18k€22k▲
Equity and liabilities
Total equity and liabilities10/49€1.20M€1.20M▼
Equity10/15€247k€89k▼
Contributions10/11€19k€19k=
Reserves13€223k€223k=
Non-distributable reserves130/1€766€766=
Reserves not available under the articles1311€766€766=
Distributable reserves133€222k€222k=
Profit (loss) carried forward14€6k€-152k▼
Amounts payable17/49€955k€1.11M▲
Amounts payable after more than one year17€665k€646k▼
Financial debts170/4€665k€646k▼
Amounts payable within one year42/48€290k€462k▲
Current portion of amounts payable after more than one year42€114k€133k▲
Trade debts44€70k€51k▼
Suppliers440/4€70k€51k▼
Taxes, remuneration and social security45€105k€97k▼
Taxes450/3€89k€97k▲
Remuneration and social security454/9€16k€0▼
Other amounts payable47/48€2k€181k▲
Income statement
Code20242025
Remuneration, social security and pensions62€37k€4k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€110k€168k▲
Other operating charges640/8€23k€30k▲
Gross operating margin9900€347k€297k▼
Operating profit (loss)9901€177k€94k▼
Financial income75/76B€5€0▼
Recurring financial income75€5€0▼
Financial charges65/66B€36k€36k▲
Recurring financial charges65€36k€36k▲
Profit (loss) for the period before taxes9903€141k€58k▼
Income taxes67/77€42k€16k▼
Profit (loss) for the period9904€99k€42k▼
Profit (loss) for the period to be appropriated9905€99k€42k▼
Appropriation of the result
Profit (loss) to be appropriated9906€63k€48k▼
Profit (loss) brought forward from the previous period14P€-36k€6k▲
Transfer to equity691/2€57k€0▼
To other reserves6921€57k€0▼
Profit to be distributed694/7€0€200k▲
Return on contributions (dividend)694€0€200k▲
The notes to these accounts (12 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 27 days late
2024
31-12
Financial
Highest result since 2018net €99k ▲123%
Operating result €177k, net result €99k, both a record.
31-12
Financial
Equity above €200kEq €247k ▲66.7%
4 profitable years in a row build equity to €247k.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-12
Financial
Back to profitnet €75k
Net result €75k after one loss-making year.
31-12
Financial
Equity above €150kEq €181k ▲53.1%
Equity rises from €118k to €181k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €-11k ▼119%
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 24 days late
2019
31-12
Financial
Equity above €100kEq €117k ▲99.2%
2 profitable years in a row build equity to €117k.
08-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
14 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, Incourt · 1 establishment unit since 2016
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 de Chaumont 181315 IncourtGround area
3,604 m²
Building footprint
201 m²
Volume, LiDAR
1,350 m³
Parcel 25093B0315/00F000, Wallonia · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
F. Docq
since 20162.257.287.889
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25093B0315/00F000 | Wallonia | 3,603 m² | 1 · 201 m² | 8.3 m · 2 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.
Similar companies · same sector, comparable size
DEVRIESE SANDER
BE 0753.516.586
Zedelgem · Eq €89k
SEN GROUP
BE 0765.376.520
Gent · Eq €89k
RVS STADEN
BE 0543.564.937
Staden · Eq €89k
Transport MRCE
BE 0777.705.220
Maldegem · Eq €89k
Tell-Ex
BE 0829.451.552
Dentergem · Eq €89k
Of 12,605 companies in sector 49410 we hold annual accounts for 8,195. 6,315 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-08-2016
Fiscal year end31-12
Activities, NACEBEL
49410Freight transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.