F en D
ActiveSummary
F en D has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €21,815 and a net result of €16,883. Equity is growing by ~10.8% per year across the filed fiscal years. Its solvency ranks better than 39% of 7833 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+21
Solvency61▼-39
Growth38▼-14
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days acceptable
Liquidity ample (current ratio 1.56 against 9.36 in 2024; short-term debt: 63.6% and cash: 86.7% of total assets), but 63.6% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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
36.4%
Return on assets
28.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
25 d late
2023
30 d late
2022
30 d late
2021
29 d late
2020
26 d late
2019
91 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 37 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% of the sector filed late.
Checked, nothing found (2)
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Turnover
€11,688▼ 78.5%
2019 · €54,485
EBIT margin
5.3%▲ 7.2pp
2019 · -1.9%
Net result
€16,883▲ 181%
2024 · €6,008
Working capital
€21,165▼ 67.9%
2024 · €65,913
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 82, Office administrative, office support and other business support activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€11,688
Operating result€623▼ 92.2%€13,160▲ 2,011%€9,548▼ 27.4%€12,984▲ 36.0%€28,334▲ 118%
Net result€2,167within the sector's middle half▼ 70.9%€8,675within the sector's middle half▲ 300%€7,514within the sector's middle half▼ 13.4%€6,008within the sector's middle half▼ 20.0%€16,883within the sector's middle half▲ 181%
EBIT margin5.3%
Equity€44,366within the sector's middle half▲ 5.1%€53,041within the sector's middle half▲ 19.6%€60,554within the sector's middle half▲ 14.2%€66,563within the sector's middle half▲ 9.9%€21,815within the sector's middle half▼ 67.2%
Total assets€57,546below the sector's middle half▲ 13.9%€59,285within the sector's middle half▲ 3.0%€69,684within the sector's middle half▲ 17.5%€74,443within the sector's middle half▲ 6.8%€59,888within the sector's middle half▼ 19.6%
Debt€13,181▲ 58.3%€6,244▼ 52.6%€9,129▲ 46.2%€7,881▼ 13.7%€38,073▲ 383%
Working capital€41,267within the sector's middle half▲ 5.5%€50,933within the sector's middle half▲ 23.4%€59,300within the sector's middle half▲ 16.4%€65,913within the sector's middle half▲ 11.2%€21,165within the sector's middle half▼ 67.9%
Solvency77.1%above the sector's middle half▼ 6.4pp89.5%above the sector's middle half▲ 12.4pp86.9%above the sector's middle half▼ 2.6pp89.4%above the sector's middle half▲ 2.5pp36.4%within the sector's middle half▼ 53.0pp
Current ratio4.13above the sector's middle half▼ 1.569.16above the sector's middle half▲ 5.037.50above the sector's middle half▼ 1.669.36above the sector's middle half▲ 1.871.56within the sector's middle half▼ 7.81
Return on assets (ROA)3.8%within the sector's middle half▼ 10.9pp14.6%within the sector's middle half▲ 10.9pp10.8%within the sector's middle half▼ 3.9pp8.1%within the sector's middle half▼ 2.7pp28.2%within the sector's middle half▲ 20.1pp
above
within
below
the middle half (P25 to P75) of NACE 82, Office administrative, office support and other business support activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 118% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €59,888
Fixed assets
€650 =
Current assets
€59,238 ▼ 19.7%
Equity and liabilities €59,888
Equity
€21,815 ▼ 67.2%
Debt
€38,073 ▲ 383%
Debt's share of the balance-sheet total rises from 10.6% to 63.6%. Equity is lower and debt is higher.
Key figures and ratios
Debt to equity
1.75▲
2024 · 0.12
ROE
77.4%▲
2024 · 9.0%
Debt ≤ 1 year
€38,073▲
2024 · €7,881
Income taxes
€11,231▲
2024 · €6,756
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,349 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.4%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 31,349 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €11,688 | - | - | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | €10,789 | - | - | - | - | - |
| Remuneration, social security and pensions62 | €252 | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,436 | €1,658 | €853 | €604 | - | - |
| Other operating charges640/8 | €588 | €1,961 | €66 | €387 | €587 | ▲ 51.5% |
| Gross operating margin9900 | €2,899 | €16,779 | €10,467 | €13,976 | €28,920 | ▲ 107% |
| Operating profit (loss)9901 | €623 | €13,160 | €9,548 | €12,984 | €28,334 | ▲ 118% |
| Financial income75/76B | €1,600 | €0 | €0 | €1 | €3 | ▲ 224% |
| Recurring financial income75 | €1,600 | €0 | €0 | €1 | €3 | ▲ 224% |
| Financial charges65/66B | €163 | €176 | €156 | €221 | €223 | ▲ 1.1% |
| Recurring financial charges65 | €163 | €161 | €132 | €221 | €223 | ▲ 1.1% |
| Non-recurring financial charges66B | - | €15 | €24 | - | - | - |
| Profit (loss) for the period before taxes9903 | €2,060 | €12,985 | €9,392 | €12,764 | €28,113 | ▲ 120% |
| Income taxes67/77 | -€106 | €4,310 | €1,878 | €6,756 | €11,231 | ▲ 66.2% |
| Profit (loss) for the period9904 | €2,167 | €8,675 | €7,514 | €6,008 | €16,883 | ▲ 181% |
| Profit (loss) for the period to be appropriated9905 | €2,167 | €8,675 | €7,514 | €6,008 | €16,883 | ▲ 181% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €57,546 | €59,285 | €69,684 | €74,443 | €59,888 | ▼ 19.6% |
| Formation expenses20 | €0 | €0 | €0 | €0 | €0 | - |
| Fixed assets21/28 | €3,099 | €2,107 | €1,254 | €650 | €650 | = |
| Tangible fixed assets22/27 | €2,449 | €1,457 | €604 | €0 | €0 | - |
| Plant, machinery and equipment23 | €0 | €444 | €222 | €0 | €0 | - |
| Furniture and vehicles24 | €2,449 | €1,013 | €382 | €0 | €0 | - |
| Financial fixed assets28 | €650 | €650 | €650 | €650 | €650 | = |
| Current assets29/58 | €54,448 | €57,178 | €68,429 | €73,793 | €59,238 | ▼ 19.7% |
| Amounts receivable within one year40/41 | €43,465 | €35,483 | €60,472 | €56,430 | €7,327 | ▼ 87.0% |
| Trade receivables40 | €0 | €8,279 | €22,078 | €13,513 | €7,327 | ▼ 45.8% |
| Other amounts receivable41 | €43,465 | €27,204 | €38,394 | €42,918 | - | - |
| Cash at bank and in hand54/58 | €10,983 | €21,694 | €7,957 | €17,363 | €51,911 | ▲ 199% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €57,546 | €59,285 | €69,684 | €74,443 | €59,888 | ▼ 19.6% |
| Equity10/15 | €44,366 | €53,041 | €60,554 | €66,563 | €21,815 | ▼ 67.2% |
| Contributions10/11 | €19,831 | €19,831 | €19,831 | €19,831 | €19,831 | = |
| Capital10 | €19,831 | €19,831 | €19,831 | - | - | - |
| Issued capital100 | €19,831 | €19,831 | €19,831 | - | - | - |
| Reserves13 | €1,983 | €1,983 | €1,983 | €1,983 | €1,983 | = |
| Non-distributable reserves130/1 | €1,983 | €1,983 | €1,983 | €1,983 | €1,983 | = |
| Legal reserve130 | €1,983 | €1,983 | €1,983 | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €1,983 | €1,983 | = |
| Profit (loss) carried forward14 | €22,551 | €31,226 | €38,740 | €44,748 | - | - |
| Amounts payable17/49 | €13,181 | €6,244 | €9,129 | €7,881 | €38,073 | ▲ 383% |
| Amounts payable within one year42/48 | €13,181 | €6,244 | €9,129 | €7,881 | €38,073 | ▲ 383% |
| Trade debts44 | €10,110 | €2,156 | €1,542 | €1,079 | €13,659 | ▲ 1,165% |
| Suppliers440/4 | €10,110 | €2,156 | €1,542 | €1,079 | €13,659 | ▲ 1,165% |
| Taxes, remuneration and social security45 | €2,666 | €4,089 | €7,587 | €6,801 | €15,920 | ▲ 134% |
| Taxes450/3 | €2,666 | €4,089 | €7,587 | €6,801 | €15,920 | ▲ 134% |
| Other amounts payable47/48 | €405 | - | - | - | €8,494 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2,167 | €8,675 | €7,514 | €6,008 | €16,883 | ▲ 181% |
| + Depreciation and write-downs630 | €1,436 | €1,658 | €853 | €604 | - | - |
| Operating cash flow (approximation) | €3,602 | €10,333 | €8,367 | €6,613 | €16,883 | ▲ 155% |
| Investment in fixed assets (approximation) | - | -€666 | €0 | €0 | €0 | - |
| Change in cash | - | €10,711 | -€13,737 | €9,406 | €34,548 | ▲ 267% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €16,883 ▲181%
Operating result €28,334, net result €16,883, both a record.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Liquidity doublescurrent ratio 9.16
Current ratio from 4.13 to 9.16; short-term debt falls from €13,181 to €6,244.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
31-12
Financial
Back to profitnet €7,434
Net result €7,434 after one loss-making year.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-12
Financial
Weakest financial yearnet -€1,349
Net result drops to -€1,349, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 12.47
Current ratio from 5.85 to 12.47; short-term debt falls from €7,261 to €2,661.
Show earlier events
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Schilde · 1 establishment unit since 1996
Ground area
1,586 m²
Building footprint
194 m²
Volume, LiDAR
562 m³
2 parcels, Flanders · tallest building 3.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
F & D
since 19962.078.730.091
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11039D0241/00B004 | Flanders | 868 m² | 1 · 83 m² | 3.5 m · 1 fl. |
| 11039D0241/00E004 | Flanders | 718 m² | 1 · 111 m² | 3.4 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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TOFIND
BE 0633.723.962
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TROUVE TON KINÉ
BE 0804.189.287
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CS BRUXELLES
BE 0780.547.518
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Of 24,517 companies in sector 82990 we hold annual accounts for 9,421. 5,950 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded08-10-1996
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
46423Wholesale of clothing, excluding workwear and underwear
E-invoicing
Reachable via Peppol
Peppol ID
0208:0458974207
Also
9925:BE0458974207
Registered
18-12-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.