F.G.& P.
ActiveF.G.& P. has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7.26M and a net result of €-98k. Equity is growing by ~3.9% per year across the filed fiscal years. Its solvency ranks better than 39% of 3256 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-43
Solvency55=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €290k at 30 days only on tighter terms
Liquidity tight (current ratio 1.23 against 0.39 in 2024), and 67.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 29-10-2025, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
4 d late
2023
on the day
2022
3 d late
2021
2 d late
2020
2 d early
2019
31 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close14-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€7.26M▼ 1.6%
2024 · €7.38M
2019: €2.42M
2021: €6.83M
2022: €6.81M
2023: €6.74M
2024: €7.38M
2019 → 2025
Total assets
€22.65M▲ 33.1%
2024 · €17.01M
2019: €11.93M
2021: €14.21M
2022: €12.68M
2023: €16.01M
2024: €17.01M
2019 → 2025
Net result
€-98k
2024 · €641k
2019: €426k
2021: €-58k
2022: €594k
2023: €42k
2024: €641k
2019 → 2025
Working capital
€370k
2024 · €-818k
2019: €-625k
2021: €214k
2022: €-655k
2023: €-1.67M
2024: €-818k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€6.83M-€6.81M▼ 0.3%€6.74M▼ 1.0%€7.38M▲ 9.5%€7.26M▼ 1.6%
Operating result€140k-€1.02M▲ 627%€343k▼ 66.3%€707k▲ 106%€93k▼ 86.8%
Net result€-58k-€594k€42k▼ 93.0%€641k▲ 1,444%€-98k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 87% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €22.65M
Fixed assets
€20.65M▲ 25.2%
Current assets
€2.00M▲ 286%
Equity and liabilities €22.65M
Equity
€7.26M▼ 1.6%
Provisions
€0▼ 100%
Debt
€15.39M▲ 61.9%
The debt ratio rises from 55.9% to 67.9%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€1.12M▼
2024 · €1.35M
Cash flow
€930k▼
2024 · €1.29M
Solvency
32.1%▼
2024 · 43.4%
Current ratio
1.23▲
2024 · 0.39
Quick ratio
0.37▲
2024 · 0.33
Debt / equity
2.12▲
2024 · 1.29
ROE
-1.3%▼
2024 · 8.7%
ROA
-0.4%▼
2024 · 3.8%
Interest coverage
2.80▼
2024 · 3.42
Debt
€15.39M▲
2024 · €9.50M
Debt ≤ 1 year
€1.63M▲
2024 · €1.34M
Debt > 1 year
€13.29M▲
2024 · €7.96M
Income taxes
€26k▼
2024 · €99k
Staff costs
€677k▲
2024 · €676k
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€17.01M€22.65M▲
Fixed assets21/28€16.50M€20.65M▲
Tangible fixed assets22/27€14.54M€18.69M▲
Land and buildings22€14.42M€18.58M▲
Furniture and vehicles24€115k€111k▼
Financial fixed assets28€1.96M€1.96M▲
Current assets29/58€517k€2.00M▲
Stocks and contracts in progress3€79k€1.39M▲
Stocks30/36€79k€1.39M▲
Amounts receivable within one year40/41€344k€573k▲
Trade receivables40€32k€46k▲
Other amounts receivable41€312k€527k▲
Cash at bank and in hand54/58€76k€17k▼
Deferred charges and accrued income490/1€18k€18k▼
Equity and liabilities
Total equity and liabilities10/49€17.01M€22.65M▲
Equity10/15€7.38M€7.26M▼
Contributions10/11€4.09M€4.09M=
Reserves13€3.29M€3.17M▼
Tax-exempt reserves132€327k€0▼
Distributable reserves133€2.96M€3.17M▲
Profit (loss) carried forward14-€0
Provisions and deferred taxes16€134k€0▼
Deferred taxes168€134k€0▼
Amounts payable17/49€9.50M€15.39M▲
Amounts payable after more than one year17€7.96M€13.29M▲
Financial debts170/4€7.96M€10.05M▲
Other amounts payable178/9-€3.23M
Amounts payable within one year42/48€1.34M€1.63M▲
Current portion of amounts payable after more than one year42€916k€1.20M▲
Trade debts44€21k€47k▲
Suppliers440/4€21k€47k▲
Taxes, remuneration and social security45€102k€82k▼
Taxes450/3€29k€23k▼
Remuneration and social security454/9€73k€59k▼
Other amounts payable47/48€296k€299k▲
Accrued charges and deferred income492/3€208k€471k▲
Income statement
Code20242025
Remuneration, social security and pensions62€676k€677k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€646k€1.03M▲
Other operating charges640/8€58k€235k▲
Gross operating margin9900€2.09M€2.03M▼
Operating profit (loss)9901€707k€93k▼
Financial income75/76B€423k€102k▼
Recurring financial income75€423k€102k▼
Financial charges65/66B€396k€400k▲
Recurring financial charges65€396k€400k▲
Profit (loss) for the period before taxes9903€734k€-205k▼
Transfer from deferred taxes780€5k€134k▲
Income taxes67/77€99k€26k▼
Profit (loss) for the period9904€641k€-98k▼
Transfer from tax-exempt reserves789€13k€327k▲
Profit (loss) for the period to be appropriated9905€654k€229k▼
Appropriation of the result
Profit (loss) to be appropriated9906€654k€229k▼
Transfer to equity691/2€654k€212k▼
To other reserves6921€654k€212k▼
Profit to be distributed694/7-€17k
Other beneficiaries697-€17k
Social balance
Average headcount (FTE)908710.09.4▼
The notes to these accounts (19 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
2025
29-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-03
Financial
Weakest financial yearnet €-98k ▼115%
Net result drops to €-98k, the lowest in the series.
31-03
Financial
Liquidity triplescurrent ratio 1.23
Current ratio from 0.39 to 1.23.
2024
04-11
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 4 days late
31-03
Financial
Highest result since 2019net €641k ▲1444%
Net result €641k, the highest in the series.
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
03-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 3 days late
31-03
Financial
Back to profitnet €594k
Net result €594k after one loss-making year.
2021
02-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 2 days late
31-03
Financial
Liquidity triplescurrent ratio 1.20
Current ratio from 0.36 to 1.20.
31-03
Financial
Equity above €5MEq €6.83M ▲182%
Equity rises from €2.42M to €6.83M.
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
25-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
21-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2020
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.
09-01-2020
Resigned as Manager
Location & real-estate footprint
Registered office, Roeselare · 1 establishment unit since 1999
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.
Zwaaikomstraat 38800 RoeselareGround area
616 m²
Building footprint
238 m²
Volume, LiDAR
995 m³
Parcel 36502B1598/00R000, Flanders · tallest building 4.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Zwaaikomstraat 3, 8800 Roeselare
since 19992.082.260.101
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36502B1598/00R000 | Flanders | 616 m² | 1 · 238 m² | 4.8 m · 1 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 2024 · 3 entries · 5,633 EUR awarded · 5,633 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 469 EUR | 469 EUR |
| 2023 | 1 | 5,006 EUR | 5,006 EUR |
| 2022 | 1 | 158 EUR | 158 EUR |
Schemes
Vlaams opleidingsverlof (VOV)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,122 companies in sector 69201 we hold annual accounts for 7,601. 886 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-06-1997
Fiscal year end31-03
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
74121
46180Agents specialised in the wholesale of other particular products
46820Wholesale trade
47770Retail sale of watches and jewellery
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.