Fanny DM · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of Fanny DM is 0.2% (very low). The 2025 annual accounts show equity of €1k and a net result of €52k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 7% of 2208 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Signals

2 signals · with evidence

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 7% of 2208 sector peers (2025).

View the sector comparison

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Trust signals

3 signals

More than 3 years active

Founded in 2021, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.

Administratively compliant

No FOD Economie strikeouts (UBO, accounts, address, activity).

Administrative Flags

0 events

No administrative flags

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.2% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Young company +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€52k+47.0%

Working capital€-10k

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 20-04-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

volatile Too volatile to project: the yearly deviation from the trend is ~35% of the level (threshold 35%). We therefore deliberately show no projection line.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 86, Human health · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	0.8%	58.2%	better than 7% of 2208 sector peers
Net result	€52k	€60k	better than 45% of 2206 sector peers
Equity	€1k	€74k	better than 6% of 2208 sector peers
Gross operating margin	€66k	€96k	better than 36% of 2208 sector peers
Total assets	€125k	€186k	better than 35% of 2208 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P7

Weakening position over 2022-2025 · n=2208-6570

Net result P45

Weakening position over 2022-2025 · n=2206-6564

Equity P6

Weakening position over 2022-2025 · n=2208-6570

Gross operating margin P36

Weakening position over 2022-2025 · n=2208-6572

Describes the position versus peers, not a forecast.

EBITDA

€66k

+41.3% -17% vs sector

Net profit

€52k

+47.0% +17% vs sector

Cash flow

€53k

+45.6% -16% vs sector

Total assets

€125k

-8.2% -50% vs sector

Equity

€1k

-99.2% -99% vs sector

Working capital

€-10k

- far below sector median

Income taxes

€13k

+30.2% -52% vs sector

Dividends

€183k

- far above sector median

Debt

€124k

+3057.5% +77% vs sector

Debt ≤ 1y

€124k

+3057.5% +77% vs sector

Current ratio

0.92

-97.1% -59% vs sector

Quick ratio

0.92

-97.1% -58% vs sector

Solvency

0.8%

-99.2% -99% vs sector

Debt / equity

123.93

+417368.3% far above sector median

ROE

5221.0%

+19330.5% far above sector median

ROA

41.8%

+60.1% +134% vs sector

Interest coverage

120.61

+84.3% far above sector median

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Revenue	-
EBITDA	€66k
Net profit	€52k
Cash flow	€53k
Staff costs	-
Income taxes	€13k
Dividends	€183k
Total assets	€125k
Equity	€1k
Debt	€124k
of which ≤ 1y	€124k
of which > 1y	-
Working capital	€-10k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	0.92
Quick ratio	0.92
Working capital ratio	-7.8%
Solvency	0.8%
Debt / equity	123.93
Long-term debt ratio	-
Interest coverage	120.61
Gross margin	-
Net margin	-
ROA	41.8%
ROE	5221.0%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €11k · 8.6% Current assets €114k · 91.4%

Equity & liabilities

Equity €1k · 0.8% Debt €124k · 99.2%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€125k
Fixed assets	21/28	€11k
Tangible fixed assets	22/27	€2k
Financial fixed assets	28	€9k
Current assets	29/58	€114k
Amounts receivable within one year	40/41	€17k
Cash & bank	54/58	€97k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€125k
Equity	10/15	€1k
Contributions / capital	10/11	€1k
Amounts payable	17/49	€124k
Amounts payable within one year	42/48	€124k
Trade debts payable within one year	44	€164
Income statement
Gross operating margin	9900	€66k
Operating result	9901	€65k
Financial charges	65	€545
Result before taxes	9903	€65k
Income taxes	67/77	€13k
Net result for the period	9904	€52k
Result to be appropriated	9905	€52k

You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

53 / 100 Fair

050100

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.

Structure & network

Locations & real estate

Establishment units

1 location

Fanny DM

Rue Eloi Bouvier 1A, 1474 GenappeActiviteiten van tandartspraktijken

since 20212.322.670.047

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area4,131 m²

Buildings1

Building footprint149 m²

Volume (LiDAR)710 m³

Tallest building6.7 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)