FABIVER

Active

Private limited companyfounded 20205 yrs activeHerbert Hooverlaan 147, 1030 Schaarbeek, BelgiumKBO/BCE: BE 0755.430.753

FABIVER has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €10k and a net result of €17k. Equity is shrinking by ~46% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2025. Its solvency ranks better than 12% of 20785 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).

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Checked score

Score 2024

60 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability50▲+50

Solvency35▼-22

Growth32=

Track record94

Bankruptcy probability, 12 months

1.0% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €500 at 30 days acceptable

Liquidity ample (current ratio 2.11 against 8.47 in 2023; short-term debt: 46.4% and cash: 84.1% of total assets), but 90% of the assets are financed with debt.

How do we compute the score and the probability?

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

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 62

Relative position

BE, all sectors

reference

Sector 62

lower

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

10%

Return on assets

15.9%

Age of the figures

21 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 20785 sector peers (2024).

NBB · sector comparison

Position among 20785 sector peers

Solvency

better than 12%

← weakest strongest →

A punctual record breaks

This company filed 3 consecutive financial years on time. The year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 11-08-2025, 11 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 · 4 filings

Deviation from the deadline

2025

not confirmed

2024

11 d late

2023

33 d early

2022

40 d early

2021

32 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€10k▼ 72.9%

2023 · €39k

2021: €55k 2022: €71k 2023: €39k

2021 → 2024

Total assets

€105k▼ 11.9%

2023 · €119k

2021: €72k 2022: €78k 2023: €119k

2021 → 2024

Net result

€17k

2023 · €-33k

2021: €50k 2022: €17k 2023: €-33k

2021 → 2024

Working capital

€54k▼ 47.4%

2023 · €103k

2021: €45k 2022: €68k 2023: €103k

2021 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2021202220232024Trend

Equity€55k-€71k▲ 30.8%€39k▼ 45.8%€10k▼ 72.9%

Operating result€63k-€23k▼ 64.0%€-23k€71k

Net result€50k-€17k▼ 66.1%€-33k€17k

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result returns to profit in 2024: €71k after a loss of €23k in 2023, the highest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €105k

97.9%

Fixed assets €2k▼ 14.9%

Current assets €103k▼ 11.9%

Equity and liabilities €105k

10%

43.6%

46.4%

Equity €10k▼ 72.9%

Provisions €46k▼ 31.4%

Debt €49k▲ 253%

The debt ratio rises from 11.6% to 46.4%. Equity is lower and debt is higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€73k▲

2023 · €-22k

Cash flow

€18k▲

2023 · €-32k

Solvency

10.0%▼

2023 · 32.5%

Current ratio

2.11▼

2023 · 8.47

Quick ratio

2.11▼

2023 · 8.47

Debt / equity

4.65▲

2023 · 0.36

ROE

159.6%▲

2023 · -84.3%

ROA

15.9%▲

2023 · -27.4%

Interest coverage

1.33▲

2023 · -241.84

Debt

€49k▲

2023 · €14k

Debt ≤ 1 year

€49k▲

2023 · €14k

Income taxes

€140▼

2023 · €10k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€119k€105k▼

Fixed assets21/28€3k€2k▼

Tangible fixed assets22/27€3k€2k▼

Furniture and vehicles24€3k€2k▼

Current assets29/58€117k€103k▼

Amounts receivable within one year40/41€40k€15k▼

Trade receivables40€12k€13k▲

Other amounts receivable41€28k€1k▼

Cash at bank and in hand54/58€76k€88k▲

Equity and liabilities

Total equity and liabilities10/49€119k€105k▼

Equity10/15€39k€10k▼

Contributions10/11€5k€5k=

Profit (loss) carried forward14€34k€5k▼

Provisions and deferred taxes16€67k€46k▼

Provisions for liabilities and charges160/5€67k€46k▼

Other liabilities and charges164/5€67k€46k▼

Amounts payable17/49€14k€49k▲

Amounts payable within one year42/48€14k€49k▲

Trade debts44€4k€1k▼

Suppliers440/4€4k€1k▼

Taxes, remuneration and social security45€10k€140▼

Taxes450/3€10k€140▼

Other amounts payable47/48-€47k

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€945€1k▲

Provisions for liabilities and charges: additions (uses and reversals)635/8€67k€-21k▼

Other operating charges640/8€724€450▼

Gross operating margin9900€46k€52k▲

Operating profit (loss)9901€-23k€71k▲

Financial income75/76B€3-

Recurring financial income75€3-

Financial charges65/66B€90€55k▲

Recurring financial charges65€90€55k▲

Profit (loss) for the period before taxes9903€-23k€17k▲

Income taxes67/77€10k€140▼

Profit (loss) for the period9904€-33k€17k▲

Profit (loss) for the period to be appropriated9905€-33k€17k▲

Appropriation of the result

Profit (loss) to be appropriated9906€34k€50k▲

Profit (loss) brought forward from the previous period14P€66k€34k▼

Profit to be distributed694/7-€45k

Return on contributions (dividend)694-€45k

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 7Financial 3Filings 4

2025

11-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 11 days late

2024

31-12

Financial Back to profitnet €17k

Net result €17k after one loss-making year.

28-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Weakest financial yearnet €-33k ▼294%

Net result drops to €-33k, the lowest in the series; recovery starts the following year.

21-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Liquidity triplescurrent ratio 11.78

Current ratio from 3.64 to 11.78; short-term debt falls from €17k to €6k.

29-06

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Schaarbeek · 1 establishment unit since 2020

establishment The establishment unit on the map

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.

Herbert Hooverlaan 1471030 Schaarbeek

Ground area

184 m²

Building footprint

64 m²

Volume, LiDAR

601 m³

Parcel 21911C0136/00R009, Brussels · tallest building 12.4 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

FABIVER

Herbert Hooverlaan 147, 1030 SchaarbeekComputer programming, consultancy and related activities

since 20202.308.204.575

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21911C0136/00R009	Brussels	184 m²	1 · 64 m²	12.4 m · 3 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.

Recognitions · licences · registrations

Legal Entity Identifier

2549007Y1A1NWV44VF86

live in the LEI register

Similar companies · same sector, comparable size

Of 16,887 companies in sector 62100 we hold annual accounts for 8,777. 4,512 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded30-09-2020

Fiscal year end31-12

Activities, NACEBEL

62010Computer programming, consultancy and related activities

62100Computer programming

70200Business and other management consultancy

70220Business consulting

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.

Contact details

1 entry

E-mail:fabiver.srl@gmail.com

Enterprise