FB TECH
ActiveSummary
The computed 12-month bankruptcy probability of FB TECH is 4.9% (elevated). For FB TECH, at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show equity of €14,450 and a net result of -€1,059. Its solvency ranks better than 28% of 33676 sector peers (fiscal year 2023). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
No current score
Figures too old
The available figures for FY 2023 are too old to assess current financial health.
Bankruptcy probability: Elevated
Filing: At least two filing cycles are missing
Axes, FY 2023 · tick = 2022
Profitability37▼-63
Solvency51▼-11
Growth32
Track record94
Bankruptcy probability, 12 months
4.9%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
raises risk · 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 2023Solvency, return and age of the figures
Solvency
26.1%
Return on assets
-1.9%
Age of the figures
33 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 2 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline29-09-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 26-08-2024, 26 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 · 2 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
26 d late
2022
29 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 2 accounts on average 28 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2023, micro schema
Equity
€14,450▼ 6.8%
2022 · €15,509
Total assets
€55,357▲ 33.1%
2022 · €41,605
Net result
-€1,059
2022 · €10,509
Working capital
€9,555▲ 10.7%
2022 · €8,635
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20222023
Operating result€15,262--€56
Net result€10,509within the sector's middle half--€1,059below the sector's middle half
Equity€15,509below the sector's middle half-€14,450below the sector's middle half▼ 6.8%
Total assets€41,605below the sector's middle half-€55,357below the sector's middle half▲ 33.1%
Debt€26,096-€40,907▲ 56.8%
Working capital€8,635within the sector's middle half-€9,555within the sector's middle half▲ 10.7%
Solvency37.3%within the sector's middle half-26.1%within the sector's middle half▼ 11.2pp
Current ratio1.33within the sector's middle half-1.23within the sector's middle half▼ 0.10
Return on assets (ROA)25.3%above the sector's middle half--1.9%below the sector's middle half▼ 27.2pp
Staff (FTE)1-
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2023: a loss of €56 after €15,262 in 2022.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €55,357
Fixed assets
€4,895 ▼ 28.8%
Current assets
€50,462 ▲ 45.3%
Equity and liabilities €55,357
Equity
€14,450 ▼ 6.8%
Debt
€40,907 ▲ 56.8%
Debt's share of the balance-sheet total rises from 62.7% to 73.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€2,481▼
2022 · €17,512
Cash flow
€1,478▼
2022 · €12,759
Debt to equity
2.83▲
2022 · 1.68
ROE
-7.3%▼
2022 · 67.8%
Interest coverage
2.47▼
2022 · 13.07
Debt ≤ 1 year
€40,907▲
2022 · €26,096
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2023 | Change |
|---|---|---|---|
| Goods, raw materials, services and sundry goods60/61 | €167,678 | €130,892 | ▼ 21.9% |
| Remuneration, social security and pensions62 | €24,039 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,250 | €2,537 | ▲ 12.8% |
| Other operating charges640/8 | €112 | €302 | ▲ 169% |
| Non-recurring operating charges66A | €2,687 | €175 | ▼ 93.5% |
| Gross operating margin9900 | €44,351 | €2,958 | ▼ 93.3% |
| Operating profit (loss)9901 | €15,262 | -€56 | ▼ 100% |
| Financial income75/76B | - | €0 | - |
| Recurring financial income75 | - | €0 | - |
| Non-recurring financial income76B | - | €0 | - |
| Financial charges65/66B | €1,545 | €1,003 | ▼ 35.1% |
| Recurring financial charges65 | €1,340 | €1,003 | ▼ 25.2% |
| Non-recurring financial charges66B | €205 | - | - |
| Profit (loss) for the period before taxes9903 | €13,718 | -€1,059 | ▼ 108% |
| Income taxes67/77 | €3,209 | - | - |
| Profit (loss) for the period9904 | €10,509 | -€1,059 | ▼ 110% |
| Profit (loss) for the period to be appropriated9905 | €10,509 | -€1,059 | ▼ 110% |
| Line | 2022 | 2023 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €41,605 | €55,357 | ▲ 33.1% |
| Fixed assets21/28 | €6,874 | €4,895 | ▼ 28.8% |
| Tangible fixed assets22/27 | €6,699 | €4,666 | ▼ 30.4% |
| Plant, machinery and equipment23 | €5,072 | €3,357 | ▼ 33.8% |
| Furniture and vehicles24 | €1,627 | €1,308 | ▼ 19.6% |
| Financial fixed assets28 | €175 | €229 | ▲ 31.0% |
| Current assets29/58 | €34,731 | €50,462 | ▲ 45.3% |
| Amounts receivable within one year40/41 | €5,414 | €35,792 | ▲ 561% |
| Trade receivables40 | €2,634 | €35,721 | ▲ 1,256% |
| Other amounts receivable41 | €2,780 | €71 | ▼ 97.5% |
| Cash at bank and in hand54/58 | €29,231 | €14,242 | ▼ 51.3% |
| Deferred charges and accrued income490/1 | €86 | €428 | ▲ 395% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €41,605 | €55,357 | ▲ 33.1% |
| Equity10/15 | €15,509 | €14,450 | ▼ 6.8% |
| Contributions10/11 | €5,000 | €5,000 | = |
| Reserves13 | €10,509 | €10,509 | = |
| Distributable reserves133 | €10,509 | €10,509 | = |
| Profit (loss) carried forward14 | - | -€1,059 | - |
| Amounts payable17/49 | €26,096 | €40,907 | ▲ 56.8% |
| Amounts payable within one year42/48 | €26,096 | €40,907 | ▲ 56.8% |
| Financial debts43 | - | €4,779 | - |
| Credit institutions430/8 | - | €4,779 | - |
| Trade debts44 | €12,351 | €27,784 | ▲ 125% |
| Suppliers440/4 | €12,351 | €27,784 | ▲ 125% |
| Taxes, remuneration and social security45 | €10,366 | €5,894 | ▼ 43.1% |
| Taxes450/3 | €3,209 | €3,963 | ▲ 23.5% |
| Remuneration and social security454/9 | €7,157 | €1,931 | ▼ 73.0% |
| Other amounts payable47/48 | €3,380 | €2,449 | ▼ 27.5% |
| Line | 2022 | 2023 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €10,509 | -€1,059 | ▼ 110% |
| + Depreciation and write-downs630 | €2,250 | €2,537 | ▲ 12.8% |
| Operating cash flow (approximation) | €12,759 | €1,478 | ▼ 88.4% |
| Investment in fixed assets (approximation) | - | -€558 | - |
| Change in cash | - | -€14,988 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
NBB filing
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Charleroi · 1 establishment unit since 2021
Ground area
551 m²
Building footprint
174 m²
Volume, LiDAR
1,316 m³
2 parcels, Wallonia · tallest building 13.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
FB TECH
since 20212.324.983.003
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52502C0092/00Y007 | Wallonia | 463 m² | 1 · 59 m² | 10.4 m · 3 fl. |
| 52016B0098/00C000 | Wallonia | 88 m² | 1 · 115 m² | 13.5 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
Rey-Construction
BE 0797.916.555
Tienen · Eq €14,451
ANDRE SZEP
BE 0471.584.306
Braine-le-Comte · Eq €14,393
GIMR
BE 0780.737.756
Charleroi · Eq €14,509
XPIR
BE 0560.795.305
Herstal · Eq €14,525
VEKO TECHNICS
BE 0475.225.269
Lede · Eq €14,367
Of 9,537 companies in sector 43222 we hold annual accounts for 5,668. 3,074 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded02-08-2021
Fiscal year end31-12
Activities, NACEBEL 2025
43222Installation of electric heating, air conditioning, cooling and ventilation
Contact
E-mail
florian.fbtech@gmail.com
Phone
+32497387857
E-invoicing
Reachable via Peppol
Peppol ID
0208:0771909271
Registered
30-08-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.