FAST-CLASS
ActiveSummary
The computed 12-month bankruptcy probability of FAST-CLASS is 1.9% (moderate). The 2025 annual accounts show equity of €26k and a net result of €5k. Equity is growing by ~16.5% per year across the filed fiscal years. Its solvency ranks better than 53% of 1851 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▲+11
Solvency68▲+9
Growth78▲+16
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 1.63 against 0.72 in 2024; short-term debt: 29.7% and cash: 31.5% of total assets), but 57.4% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
higher
← 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
42.6%
Return on assets
8.8%
Age of the figures
9 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-07-2026, 16 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
16 d early
2024
15 d early
2023
20 d early
2022
on the day
2021
on the day
2020
on the day
2019
99 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€61k▲ 14.0%
2018 · €54k
2018: €54k
2018 → 2019
EBIT margin
5.0%▼ 1.7pp
2018 · 6.8%
2018: 6.8%
2018 → 2019
Net result
€5k▲ 2,712%
2024 · €193
2018: €2k
2019: €2k
2020: €-946
2021: €22k
2022: €6k
2023: €-10k
2024: €193
2018 → 2025
Working capital
€11k
2024 · €-6k
2018: €2k
2019: €4k
2020: €4k
2021: €-6k
2022: €8k
2023: €7k
2024: €-6k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€25k-€31k▲ 21.9%€20k▼ 33.8%€21k▲ 0.9%€26k▲ 26.2%
Operating result€22k-€6k▼ 74.1%€-10k€2k€5k▲ 262%
Net result€22k-€6k▼ 74.3%€-10k€193€5k▲ 2,712%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 262% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €61k
Fixed assets
€32k ▼ 30.6%
Current assets
€30k ▲ 107%
Equity and liabilities €61k
Equity
€26k ▲ 26.2%
Debt
€35k ▼ 10.3%
Debt's share of the balance-sheet total falls from 65.5% to 57.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€19k▲
2024 · €16k
Cash flow
€19k▲
2024 · €15k
Current ratio
1.63▲
2024 · 0.72
Debt to equity
1.35▼
2024 · 1.90
ROE
20.8%▲
2024 · 0.9%
ROA
8.8%▲
2024 · 0.3%
Interest coverage
239.99▲
2024 · 12.08
Debt ≤ 1 year
€18k▼
2024 · €20k
Debt > 1 year
€17k▼
2024 · €19k
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 · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€60k€61k▲
Fixed assets21/28€46k€32k▼
Tangible fixed assets22/27€46k€32k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€43k€30k▼
Current assets29/58€14k€30k▲
Amounts receivable within one year40/41€7k€10k▲
Trade receivables40€7k€5k▼
Other amounts receivable41€279€5k▲
Cash at bank and in hand54/58€7k€19k▲
Equity and liabilities
Total equity and liabilities10/49€60k€61k▲
Equity10/15€21k€26k▲
Contributions10/11€1k€1k=
Outside capital11€1k€1k=
Other1109/19€1k€1k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k-
Reserves not available under the articles1311-€2k
Profit (loss) carried forward14€18k€23k▲
Amounts payable17/49€39k€35k▼
Amounts payable after more than one year17€19k€17k▼
Financial debts170/4€19k€17k▼
Amounts payable within one year42/48€20k€18k▼
Current portion of amounts payable after more than one year42€8k€1k▼
Trade debts44€9k€15k▲
Suppliers440/4€9k€15k▲
Taxes, remuneration and social security45€1k€1k▼
Remuneration and social security454/9€1k€1k▼
Other amounts payable47/48€1k€274▼
Income statement
Code20242025
Remuneration, social security and pensions62€2k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€14k▼
Other operating charges640/8€2k€6k▲
Non-recurring operating charges66A-€2k
Gross operating margin9900€20k€27k▲
Operating profit (loss)9901€2k€5k▲
Financial income75/76B€0€1▲
Recurring financial income75€0€1▲
Financial charges65/66B€1k€81▼
Recurring financial charges65€1k€81▼
Profit (loss) for the period before taxes9903€193€5k▲
Profit (loss) for the period9904€193€5k▲
Profit (loss) for the period to be appropriated9905€193€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€18k€23k▲
Profit (loss) brought forward from the previous period14P€18k€18k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
06-08
State Gazette act
Appointment: PACHECO BERNARDINO (director)Resignation: RIBEIRO LEÃO NETO HERCILIO (director)3 facts ▸
State Gazette act
Appointment: PACHECO BERNARDINO (director)
Resignation: RIBEIRO LEÃO NETO HERCILIO (director)3 facts ▸
- General meeting, 28/07/2026
- Director appointment, PACHECO BERNARDINO (director)
- Director resignation, RIBEIRO LEÃO NETO HERCILIO (director)
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Liquidity doublescurrent ratio 1.63
Current ratio from 0.72 to 1.63; short-term debt falls from €20k to €18k.
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €193
Net result €193 after one loss-making year.
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-10k ▼288%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
31-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
07-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 99 days late
2019
13-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 74 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2026
PACHECO BERNARDINO
CurrentDirector · since 28-07-2026
28-07-2026
PACHECO BERNARDINO: Appointed as Director
28-07-2026
RIBEIRO LEÃO NETO HERCILIO: Resigned as Director
Location & real-estate footprint
Registered office, Asse · 2 establishment units since 2018
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.
Kelestraat 181730 AsseGround area
512 m²
Building footprint
140 m²
Volume, LiDAR
1,170 m³
2 parcels, Brussels, Flanders · tallest building 12.0 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Fast class.be
since 20182.273.407.608
Fast class.be
since 20192.314.308.251
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23002K0211/00H002 | Flanders | 310 m² | 1 · 73 m² | 9.7 m · 3 fl. |
| 21342B0181/00K004 | Brussels | 202 m² | 1 · 67 m² | 11.9 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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PRONTO CAR
BE 0670.525.069
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ZEN COMPANY
BE 1004.729.760
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ZACAR
BE 0726.988.868
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AFSL INVEST
BE 1005.501.901
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Of 962 companies in sector 49310 we hold annual accounts for 487. 346 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
Founded21-02-2018
Fiscal year end31-12
Activities, NACEBEL 2025
49310Scheduled passenger transport by road
47811Retail sale of cars and light vans (up to 3.5 tonnes)
47812Retail trade
49320Non-scheduled passenger transport by road
49330On-demand passenger transport by chauffeured vehicle
52210Service activities incidental to land transportation
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.