F.M.C.
ActiveSummary
F.M.C. has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €277,731 and a net result of €10,033. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 65% of 11693 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Overview
What they do
Wholesale of non-electrical household articles
NACE 46494Wholesale trade NACE 46471NACE 51471
1 site
How big
€456,752total assets 2025
- Staff
- 1 FTE
- Equity
- €277,731
- Profit
- €10,033
Turnover not published (abridged schema)
Who decides
- Holdings
- 1
Accounts filed 27 d late0 of 4 deeds read
Why 67- Higher-failure-rate sector+ Long track record+ Annual accounts: healthy financial profileA punctual record breaksShow the evidence
Checked score
Score 2025
Axes · tick = 2024
Profitability43▲+4
Solvency86▲+2
Growth58=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18,000 at 30 days acceptable
Liquidity short (current ratio 0.06 against 0.02 in 2024; short-term debt: 39.2% and cash: 1% of total assets), and 39.2% 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+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 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← 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
60.8%
Return on assets
2.2%
Age of the figures
15 mo
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 27-02-2026, 27 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
27 d late
2024
on the day
2023
20 d early
2022
39 d early
2021
139 d early
2020
50 d late
2019
3 d early
← 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 18 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 11 January (4 of the last 5 filed years within 47 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close01-10-2026 today31-01-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Annual accounts filedfiscal year 2024 · micro…
- Back to profitnet €2,816
Financials
Fiscal year 2025Total assets €456,752Profit €10,033Solvency 60.8%Liquidity 0.06
Total assets
€456,752▲ 1.4%
2019 - 2025
Net result
€10,033▲ 256%
2019 - 2025
Equity
€277,731▲ 3.7%
2019 - 2025
Staff (FTE)
1=
2022 - 2025
Financials · fiscal year 2025, micro schema
Trend over the years
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€80,481▲ 93.5%€38,955▼ 51.6%-€76,370€3,613€10,828▲ 200%
Net result€75,999within the sector's middle half▲ 83.3%€5,676within the sector's middle half▼ 92.5%-€77,345below the sector's middle half€2,816within the sector's middle half€10,033within the sector's middle half▲ 256%
Equity€336,552within the sector's middle half=€342,228above the sector's middle half▲ 1.7%€264,883above the sector's middle half▼ 22.6%€267,699above the sector's middle half▲ 1.1%€277,731above the sector's middle half▲ 3.7%
Total assets€655,891within the sector's middle half▲ 28.7%€569,792above the sector's middle half▼ 13.1%€493,681above the sector's middle half▼ 13.4%€450,388above the sector's middle half▼ 8.8%€456,752above the sector's middle half▲ 1.4%
Debt€319,339▲ 84.4%€227,564▼ 28.7%€228,799▲ 0.5%€182,689▼ 20.2%€179,021▼ 2.0%
Working capital-€109,656below the sector's middle half=-€103,980below the sector's middle half▲ 5.2%-€181,326below the sector's middle half▼ 74.4%-€178,510below the sector's middle half▲ 1.6%-€168,477below the sector's middle half▲ 5.6%
Solvency51.3%within the sector's middle half▼ 14.7pp60.1%within the sector's middle half▲ 8.7pp53.7%within the sector's middle half▼ 6.4pp59.4%within the sector's middle half▲ 5.8pp60.8%within the sector's middle half▲ 1.4pp
Current ratio0.66below the sector's middle half▲ 0.290.54below the sector's middle half▼ 0.110.21below the sector's middle half▼ 0.340.02below the sector's middle half▼ 0.180.06below the sector's middle half▲ 0.04
Return on assets (ROA)11.6%within the sector's middle half▲ 3.5pp1.0%within the sector's middle half▼ 10.6pp-15.7%below the sector's middle half▼ 16.7pp0.6%within the sector's middle half▲ 16.3pp2.2%within the sector's middle half▲ 1.6pp
Staff (FTE)0.51▲ 100%1=1=
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result and balance sheet
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 200% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €456,752
Fixed assets
€446,208 =
Current assets
€10,544 ▲ 152%
Equity and liabilities €456,752
Equity
€277,731 ▲ 3.7%
Debt
€179,021 ▼ 2.0%
Debt's share of the balance-sheet total falls from 40.6% to 39.2%. Equity is higher and debt is lower.
Key figures and ratios
Key figures and ratios
Debt to equity
0.64▼
2024 · 0.68
ROE
3.6%▲
2024 · 1.1%
Debt ≤ 1 year
€179,021▼
2024 · €182,689
Staff costs
€53,133▲
2024 · €51,913
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €25,986 | €52,537 | €51,913 | €53,133 | ▲ 2.3% |
| Other operating charges640/8 | - | €834 | €56,110 | €780 | €832 | ▲ 6.6% |
| Gross operating margin9900 | €81,084 | €65,774 | €32,277 | €56,307 | €64,792 | ▲ 15.1% |
| Operating profit (loss)9901 | €80,481 | €38,955 | -€76,370 | €3,613 | €10,828 | ▲ 200% |
| Financial income75/76B | - | €542 | €0 | - | - | - |
| Recurring financial income75 | €219 | €542 | €0 | - | - | - |
| Financial charges65/66B | - | €434 | €930 | €798 | €795 | ▼ 0.3% |
| Recurring financial charges65 | €172 | €434 | €930 | €798 | €795 | ▼ 0.3% |
| Profit (loss) for the period before taxes9903 | €83,403 | €39,063 | -€77,300 | €2,816 | €10,033 | ▲ 256% |
| Income taxes67/77 | €7,404 | €33,387 | €45 | - | - | - |
| Profit (loss) for the period9904 | €75,999 | €5,676 | -€77,345 | €2,816 | €10,033 | ▲ 256% |
| Profit (loss) for the period to be appropriated9905 | €75,999 | €5,676 | -€77,345 | €2,816 | €10,033 | ▲ 256% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €655,891 | €569,792 | €493,681 | €450,388 | €456,752 | ▲ 1.4% |
| Fixed assets21/28 | €446,208 | €446,208 | €446,208 | €446,208 | €446,208 | = |
| Financial fixed assets28 | €446,208 | €446,208 | €446,208 | €446,208 | €446,208 | = |
| Current assets29/58 | €209,683 | €123,583 | €47,473 | €4,180 | €10,544 | ▲ 152% |
| Amounts receivable after more than one year29 | - | €122,017 | - | - | - | - |
| Trade receivables290 | - | €52,694 | - | - | - | - |
| Other amounts receivable291 | - | €69,323 | - | - | - | - |
| Amounts receivable within one year40/41 | - | - | €46,335 | €293 | €5,293 | ▲ 1,706% |
| Trade receivables40 | - | - | €32,612 | - | - | - |
| Other amounts receivable41 | - | - | €13,723 | €293 | €5,293 | ▲ 1,706% |
| Cash at bank and in hand54/58 | €24,769 | €1,566 | €1,138 | €3,886 | €4,521 | ▲ 16.3% |
| Deferred charges and accrued income490/1 | - | - | - | - | €730 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €655,891 | €569,792 | €493,681 | €450,388 | €456,752 | ▲ 1.4% |
| Equity10/15 | €336,552 | €342,228 | €264,883 | €267,699 | €277,731 | ▲ 3.7% |
| Contributions10/11 | - | €25,000 | €25,000 | €25,000 | €25,000 | = |
| Reserves13 | €311,552 | €317,228 | €239,883 | €242,699 | €252,731 | ▲ 4.1% |
| Non-distributable reserves130/1 | - | €2,500 | €2,500 | €2,500 | €2,500 | = |
| Reserves not available under the articles1311 | - | €2,500 | €2,500 | €2,500 | €2,500 | = |
| Distributable reserves133 | - | €314,728 | €237,383 | €240,199 | €250,231 | ▲ 4.2% |
| Amounts payable17/49 | €319,339 | €227,564 | €228,799 | €182,689 | €179,021 | ▼ 2.0% |
| Amounts payable within one year42/48 | €319,339 | €227,564 | €228,799 | €182,689 | €179,021 | ▼ 2.0% |
| Trade debts44 | €10,134 | €4,145 | - | €170,227 | €171,403 | ▲ 0.7% |
| Suppliers440/4 | - | €4,145 | - | €170,227 | €171,403 | ▲ 0.7% |
| Taxes, remuneration and social security45 | - | €3,619 | €8,999 | €12,463 | €7,618 | ▼ 38.9% |
| Taxes450/3 | - | - | - | €1,022 | €1,118 | ▲ 9.4% |
| Remuneration and social security454/9 | - | €3,619 | €8,999 | €11,441 | €6,500 | ▼ 43.2% |
| Other amounts payable47/48 | - | €219,800 | €219,800 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €75,999 | €5,676 | -€77,345 | €2,816 | €10,033 | ▲ 256% |
| Operating cash flow (approximation) | €75,999 | €5,676 | -€77,345 | €2,816 | €10,033 | ▲ 256% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | -€23,203 | -€428 | €2,748 | €635 | ▼ 76.9% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Comparable companies
Similar companies · same sector, comparable size
MEUBELEN PRIMA
BE 0424.860.493
Aalst · Eq €278,625
SOYAIL
BE 0535.754.061
Brussel · Eq €280,327
MANUCO
BE 0467.377.870
Gent · Eq €280,654
GLASSWARE
BE 0450.318.738
Duffel · Eq €281,161
WS SALES EN MARKETING
BE 0463.207.464
Anderlecht · Eq €282,815
Of 679 companies in this sector we hold annual accounts for 532. 406 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Board & ownership
1 holding
Directors
Directors
No directors read yet: 0 of 4 Gazette acts processed. See the function holders in the CBE →
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 30-06-2025 list no shareholders, and no other source names one.
Holdings 1
-
100%
According to the annual accounts to 30-06-2025 of F.M.C. and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No directors read yet: 0 of 4 Gazette acts processed.
Timeline
14 eventsLatest 27-02-2026Next filing 31-01-2027
History
Acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Back to profitnet €2,816
Net result €2,816 after one loss-making year.
11-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Weakest financial yearnet -€77,345
Net result drops to -€77,345, the lowest in the series; recovery starts the following year.
2022
23-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
14-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
30-06
Financial
Highest result since 2019net €75,999 ▲83.3%
Operating result €80,481, net result €75,999, both a record.
22-03
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 50 days late
2020
30-06
Financial
Back to profitnet €41,458
Net result €41,458 after one loss-making year.
28-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
28-02
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 28 days late
2018
28-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
31-01
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.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Company details
Private limited company (pre-2019) · founded 26-04-2002Year ends 30-06Peppol reachable1 site
Register details
Identification
Legal formPrivate limited company (pre-2019)
Founded26-04-2002
Fiscal year end30-06
Activities, NACEBEL 2025
46471Wholesale trade
46494Wholesale of non-electrical household articles
E-invoicing
Reachable via Peppol
Peppol ID
0208:0477421528
Also
9925:BE0477421528
Registered
01-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Bornem · 1 establishment unit since 2003
Ground area
127 m²
Building footprint
124 m²
Volume, LiDAR
831 m³
Parcel 12007C0223/00M000, Flanders · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
F.M.C.
since 2003unit no. 2.132.376.734
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12007C0223/00M000 | Flanders | 127 m² | 1 · 124 m² | 7.3 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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