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FANNY BLD

Active
Private limited companyfounded 20232 yrs activeRue de la Station 99, 7090 Braine-le-Comte, BelgiumKBO/BCE: BE 1003.932.974
Summary

FANNY BLD has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €25,917 and a net result of €20,917. Its solvency ranks better than 30% of 2108 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).

Overview

What they do
Driving schools for cars and motorcycles
NACE 85531
3 sites
How big
€148,742total assets 2025
Staff
2.9 FTE
Equity
€25,917
Profit
€20,917
Turnover not published (abridged schema)
Financially healthy?
70 Healthy Checked score 2025
Bankruptcy chance 12 m
0.6%
Who decides
Accounts 120 d early0 of 2 deeds read
Why 70- Young company- Multiple establishment units- Higher-failure-rate region+ Lower-failure-rate sectorLatest accounts filed on timeShow the evidence

Checked score

Score 2025
Axes
Profitability86
Solvency42
Growth-
Track record67
Bankruptcy probability, 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days acceptable
Liquidity tight (current ratio 1.13; short-term debt: 63.4% and cash: 53.5% of total assets), and 82.6% 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

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 85
Relative position
BE, all sectors
reference
Education (NACE 85)
about 77% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
raises risk · Multiple establishment units
Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.
KBO · establishment units
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 03-10-2025, 120 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
120 d early
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · 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
  1. Annual accounts filedfiscal year 2025 · micro…

Financials

Fiscal year 2025Total assets €148,742Profit €20,917Solvency 17.4%Liquidity 1.13
Total assets
€148,742
2025
Net result
€20,917
2025
Equity
€25,917
2025
Staff (FTE)
2.9
2025

Financials · fiscal year 2025, micro schema

Trend over the years1 fiscal year

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

Result and balance sheet2025
Balance-sheet composition
Assets €148,742
Fixed assets €42,563
Current assets €106,179
Equity and liabilities €148,742
Equity €25,917
Debt €122,825
Debt finances 82.6% of the balance-sheet total.
Key figures and ratios2025
Key figures and ratios
2025 value
EBITDA
€39,952
Cash flow
€30,825
Current ratio
1.13
Debt to equity
4.74
ROE
80.7%
ROA
14.1%
Interest coverage
20.93
Debt ≤ 1 year
€94,246
Debt > 1 year
€28,580
Income taxes
€7,721
Staff costs
€246,319

Peer companies

Historical observation

Of the 7,976 companies that looked in July 2024 the way this one looks now, 3.6% went bankrupt within 24 months and 94% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 10 to 30%
  • a profit of 5% of the balance sheet or more
3.6% went bankrupt
1.8% stopped otherwise
94% still going

A further 0.3% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a lower bankruptcy probability: 0.6% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 7,976 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.

Filed annual accountsfiscal year 2025
Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 46 lines
Balance sheet Code2025
Assets
Total assets20/58€148,742
Fixed assets21/28€42,563
Intangible fixed assets21€23,188
Tangible fixed assets22/27€15,750
Furniture and vehicles24€8,019
Leasing and similar rights25€7,372
Other tangible fixed assets26€359
Financial fixed assets28€3,625
Current assets29/58€106,179
Amounts receivable within one year40/41€26,088
Trade receivables40€22,120
Other amounts receivable41€3,968
Cash at bank and in hand54/58€79,556
Deferred charges and accrued income490/1€536
Equity and liabilities
Total equity and liabilities10/49€148,742
Equity10/15€25,917
Contributions10/11€5,000
Reserves13€20,917
Distributable reserves133€20,917
Amounts payable17/49€122,825
Amounts payable after more than one year17€28,580
Financial debts170/4€28,580
Amounts payable within one year42/48€94,246
Current portion of amounts payable after more than one year42€8,180
Trade debts44€22,994
Suppliers440/4€22,994
Taxes, remuneration and social security45€51,572
Taxes450/3€15,793
Remuneration and social security454/9€35,779
Other amounts payable47/48€11,500
Income statement Code2025
Remuneration, social security and pensions62€246,319
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9,909
Other operating charges640/8€240
Gross operating margin9900€286,511
Operating profit (loss)9901€30,043
Financial income75/76B€504
Recurring financial income75€504
Financial charges65/66B€1,909
Recurring financial charges65€1,909
Profit (loss) for the period before taxes9903€28,638
Income taxes67/77€7,721
Profit (loss) for the period9904€20,917
Profit (loss) for the period to be appropriated9905€20,917
Appropriation of the result
Profit (loss) to be appropriated9906€20,917
Transfer to equity691/2€20,917
To other reserves6921€20,917

The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Remuneration, social security and pensions62€246,319
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9,909
Other operating charges640/8€240
Gross operating margin9900€286,511
Operating profit (loss)9901€30,043
Financial income75/76B€504
Recurring financial income75€504
Financial charges65/66B€1,909
Recurring financial charges65€1,909
Profit (loss) for the period before taxes9903€28,638
Income taxes67/77€7,721
Profit (loss) for the period9904€20,917
Profit (loss) for the period to be appropriated9905€20,917
Line2025
Assets
Total assets20/58€148,742
Fixed assets21/28€42,563
Intangible fixed assets21€23,188
Tangible fixed assets22/27€15,750
Furniture and vehicles24€8,019
Leasing and similar rights25€7,372
Other tangible fixed assets26€359
Financial fixed assets28€3,625
Current assets29/58€106,179
Amounts receivable within one year40/41€26,088
Trade receivables40€22,120
Other amounts receivable41€3,968
Cash at bank and in hand54/58€79,556
Deferred charges and accrued income490/1€536
Equity and liabilities
Total equity and liabilities10/49€148,742
Equity10/15€25,917
Contributions10/11€5,000
Reserves13€20,917
Distributable reserves133€20,917
Amounts payable17/49€122,825
Amounts payable after more than one year17€28,580
Financial debts170/4€28,580
Amounts payable within one year42/48€94,246
Current portion of amounts payable after more than one year42€8,180
Trade debts44€22,994
Suppliers440/4€22,994
Taxes, remuneration and social security45€51,572
Taxes450/3€15,793
Remuneration and social security454/9€35,779
Other amounts payable47/48€11,500
Line2025
Profit (loss) for the period9904€20,917
+ Depreciation and write-downs630€9,909
Operating cash flow (approximation)€30,825

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Comparable companies5

Similar companies · same sector, comparable size

Of 1,038 companies in this sector we hold annual accounts for 348. 262 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Timeline

1 eventLatest 03-10-2025

History

On 27 December 2023, FANNY BLD was incorporated as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

Acts, filings and financial milestones

2025
03-10
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
0 of 2 acts read
About the unread acts

We know of 2 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 · founded 27-12-2023Year ends 30-06Peppol reachable3 sites

Register details

Identification
Legal formPrivate limited company
Founded27-12-2023
Fiscal year end30-06
Activities, NACEBEL 2025
85531Driving schools for cars and motorcycles
E-invoicing
Reachable via Peppol
Peppol ID 0208:1003932974
Also 9925:BE1003932974
Registered 21-11-2025

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, Braine-le-Comte · 3 establishment units since 2023
seat establishment approximate All 3 establishment units on the map
Ground area
517 m²
Building footprint
227 m²
3 parcels, Wallonia. Linked by address, not a title deed.
3 establishment units
FANNY BLD
Rue de la Station 99, 7090 Braine-le-ComteAgents in non-specialised wholesale trade
since 2023unit no. 2.353.401.132
AUTO-ECOLE SOLEA
Rue de Buvrinnes(BIN) 8, 7130 BincheOther business support services
since 2025unit no. 2.382.381.960
AUTO-ECOLE SOLEA
Rue de la Station 99A, 7090 Braine-le-ComteOther business support services
since 2025unit no. 2.382.381.861
3 parcels
Wallonia 3 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
56011C0181/00A007 Wallonia 242 m² 1 · 119 m² -
55302C0167/00W009indicative Wallonia 219 m² 1 · 52 m² -
55302C0164/00G013 Wallonia 57 m² 1 · 56 m² -
Linked by address, not proof of ownership
Good to know
2 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

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