Fanny Dhondt
ActiveSummary
Fanny Dhondt has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €652k and a net result of €127k. Equity is growing by ~24.2% per year across the filed fiscal years. Its solvency ranks better than 21% of 37956 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability74▼-5
Solvency46▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days only on tighter terms
Liquidity tight (current ratio 1.42 against 1.38 in 2023; short-term debt: 25.5% and cash: 1.2% of total assets), and 78.8% 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+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 70
Relative position
BE, all sectors
reference
Sector 70
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 37956 sector peers (2024).
NBB · sector comparisonPosition among 37956 sector peers
Solvency
better than 21%
← weakest
strongest →
raises risk · Annual accounts not filed
The financial year that closed on 31-10-2025 was due at the National Bank by 31-05-2026. Nothing is on record, 116 days later.
NBB · 10 filingsPosition against the passed deadline
31-10-2025 close31-05-2026 deadline24-09-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-10-2024 was due by 31-05-2025 and was filed on 17-06-2025, 17 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
not filed
2024
17 d late
2023
19 d late
2021
29 d late
2020
3 d early
2019
11 d early
2018
2 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€652k▲ 24.2%
2023 · €525k
2018: €191k
2019: €164k
2020: €227k
2021: €227k
2023: €525k
2018 → 2024
Total assets
€3.07M▼ 1.9%
2023 · €3.13M
2018: €719k
2019: €1.30M
2020: €1.26M
2021: €2.45M
2023: €3.13M
2018 → 2024
Net result
€127k▼ 48.3%
2023 · €245k
2018: €52k
2019: €-27k
2020: €64k
2021: €6k
2023: €245k
2018 → 2024
Working capital
€326k▲ 11.1%
2023 · €294k
2018: €-219k
2019: €-812k
2020: €-342k
2021: €-460k
2023: €294k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20192020202120232024Trend
Equity€164k-€227k▲ 38.8%€227k▼ 0.2%€525k▲ 131%€652k▲ 24.2%
Operating result€-21k-€91k€40k▼ 56.2%€396k▲ 895%€230k▼ 41.9%
Net result€-27k-€64k€6k▼ 89.8%€245k▲ 3,678%€127k▼ 48.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 42% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €3.07M
Fixed assets
€1.96M ▼ 4.9%
Current assets
€1.11M ▲ 4.1%
Equity and liabilities €3.07M
Equity
€652k ▲ 24.2%
Debt
€2.42M ▼ 7.1%
Debt's share of the balance-sheet total falls from 83.2% to 78.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€332k▼
2023 · €499k
Cash flow
€229k▼
2023 · €349k
Current ratio
1.42▲
2023 · 1.38
Quick ratio
0.26▼
2023 · 0.32
Debt to equity
3.71▼
2023 · 4.97
ROE
19.5%▼
2023 · 46.7%
ROA
4.1%▼
2023 · 7.8%
Interest coverage
6.44▼
2023 · 11.82
Debt ≤ 1 year
€783k▲
2023 · €772k
Debt > 1 year
€1.56M▼
2023 · €1.79M
Income taxes
€52k▼
2023 · €108k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 52 lines
Balance sheet
Code20232024
Assets
Total assets20/58€3.13M€3.07M▼
Fixed assets21/28€2.07M€1.96M▼
Tangible fixed assets22/27€2.07M€1.96M▼
Land and buildings22€2.06M€1.96M▼
Furniture and vehicles24€10k€4k▼
Current assets29/58€1.07M€1.11M▲
Stocks and contracts in progress3€817k€907k▲
Stocks30/36€817k€907k▲
Amounts receivable within one year40/41€96k€165k▲
Trade receivables40€89k€121k▲
Other amounts receivable41€7k€45k▲
Cash at bank and in hand54/58€153k€37k▼
Equity and liabilities
Total equity and liabilities10/49€3.13M€3.07M▼
Equity10/15€525k€652k▲
Contributions10/11€25k€25k=
Capital10€25k-
Issued capital100€65k-
Uncalled capital101€40k-
Reserves13€479k€606k▲
Non-distributable reserves130/1€7k€7k=
Legal reserve130€4k-
Reserves not available under the articles1311€3k€7k▲
Distributable reserves133€472k€599k▲
Profit (loss) carried forward14€21k€21k=
Amounts payable17/49€2.61M€2.42M▼
Amounts payable after more than one year17€1.79M€1.56M▼
Financial debts170/4€1.79M€1.56M▼
Amounts payable within one year42/48€772k€783k▲
Current portion of amounts payable after more than one year42€229k€231k▲
Trade debts44€29k€63k▲
Suppliers440/4€29k€63k▲
Taxes, remuneration and social security45€116k€92k▼
Taxes450/3€116k€92k▼
Other amounts payable47/48€398k€397k▼
Accrued charges and deferred income492/3€43k€78k▲
Income statement
Code20232024
Non-recurring operating income76A€2k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€104k€102k▼
Other operating charges640/8€8k€16k▲
Gross operating margin9900€507k€349k▼
Operating profit (loss)9901€396k€230k▼
Financial income75/76B€326€350▲
Recurring financial income75€326€350▲
Financial charges65/66B€42k€52k▲
Recurring financial charges65€42k€52k▲
Profit (loss) for the period before taxes9903€354k€179k▼
Income taxes67/77€108k€52k▼
Profit (loss) for the period9904€245k€127k▼
Profit (loss) for the period to be appropriated9905€245k€127k▼
Appropriation of the result
Profit (loss) to be appropriated9906€267k€148k▼
Profit (loss) brought forward from the previous period14P€21k€21k=
Transfer to equity691/2€245k€127k▼
To other reserves6921€245k€127k▼
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 17 days late
2024
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
31-10
Financial
Highest result since 2018net €245k ▲3678%
Operating result €396k, net result €245k, both a record.
31-10
Financial
Liquidity times 5current ratio 1.38
Current ratio from 0.28 to 1.38.
31-10
Financial
Equity above €500kEq €525k ▲131%
3 profitable years in a row build equity to €525k.
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
28-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-10
Financial
Back to profitnet €64k
Net result €64k after one loss-making year.
31-10
Financial
Equity above €200kEq €227k ▲38.8%
Equity rises from €164k to €227k.
20-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-10
Financial
Weakest financial yearnet €-27k ▼151%
Net result drops to €-27k, the lowest in the series; recovery starts the following year.
29-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Show earlier events
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
24-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
02-05
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
2014
30-07
NBB filing
Annual accounts filed
fiscal year 2013 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are 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, Gent · 1 establishment unit since 2012
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.
Lange Steenstraat 49000 GentGround area
200 m²
Building footprint
159 m²
Volume, LiDAR
1,289 m³
Parcel 44021A0510/00B000, Flanders · tallest building 15.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Fanny Dhondt
since 20122.213.689.260
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44021A0510/00B000 | Flanders | 200 m² | 1 · 159 m² | 15.8 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Legal Entity Identifier
549300RVOCBTBQZ5XG61
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 32,282 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-10-2012
Fiscal year end31-10
Activities, NACEBEL 2025
70200Business and other management consultancy
11020Manufacture of beverages
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.