FBD CONSULTING
ActiveSummary
FBD CONSULTING has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €21k and a net result of €14k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 23% of 17043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▼-13
Solvency48▼-32
Growth32▼-46
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 13.62 against 15.1 in 2024; short-term debt: 6.4% and cash: 35% of total assets), but 76.8% of the assets are financed with debt.
Credit check 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
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
23.2%
Return on assets
14.7%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 17043 sector peers (2025).
NBB · sector comparisonPosition among 17043 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 5 filingsDeviation from the deadline
2025
31 d late
2024
13 d early
2023
9 d early
2022
4 d early
2021
3 d early
← 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, micro schema
Equity
€21k▼ 82.6%
2024 · €123k
2021: €30k
2022: €120k
2023: €254k
2024: €123k
2021 → 2025
Total assets
€92k▼ 58.5%
2024 · €221k
2021: €49k
2022: €172k
2023: €331k
2024: €221k
2021 → 2025
Net result
€14k▼ 88.5%
2024 · €118k
2021: €25k
2022: €89k
2023: €134k
2024: €118k
2021 → 2025
Working capital
€74k▼ 60.9%
2024 · €191k
2021: €30k
2022: €120k
2023: €272k
2024: €191k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€30k-€120k▲ 295%€254k▲ 112%€123k▼ 51.7%€21k▼ 82.6%
Operating result€33k-€115k▲ 245%€174k▲ 51.1%€152k▼ 12.4%€-5k
Net result€25k-€89k▲ 253%€134k▲ 50.3%€118k▼ 12.3%€14k▼ 88.5%
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 2025: a loss of €5k after €152k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €92k
Fixed assets
€12k ▼ 32.9%
Current assets
€80k ▼ 60.6%
Equity and liabilities €92k
Equity
€21k ▼ 82.6%
Debt
€71k ▼ 28.4%
Debt's share of the balance-sheet total rises from 44.5% to 76.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€560▼
2024 · €157k
Cash flow
€19k▼
2024 · €122k
Current ratio
13.62▼
2024 · 15.10
Debt to equity
3.31▲
2024 · 0.80
ROE
63.5%▼
2024 · 95.9%
ROA
14.7%▼
2024 · 53.2%
Interest coverage
8.01▼
2024 · 1101.24
Debt ≤ 1 year
€6k▼
2024 · €14k
Income taxes
€790▼
2024 · €35k
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 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€221k€92k▼
Fixed assets21/28€17k€12k▼
Tangible fixed assets22/27€17k€12k▼
Plant, machinery and equipment23€780€601▼
Furniture and vehicles24€17k€11k▼
Current assets29/58€204k€80k▼
Amounts receivable within one year40/41€8k€6k▼
Trade receivables40€3k€787▼
Other amounts receivable41€5k€5k▲
Current investments50/53€92k€42k▼
Cash at bank and in hand54/58€89k€32k▼
Deferred charges and accrued income490/1€15k€143▼
Equity and liabilities
Total equity and liabilities10/49€221k€92k▼
Equity10/15€123k€21k▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€118k€16k▼
Amounts payable17/49€99k€71k▼
Amounts payable within one year42/48€14k€6k▼
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€2k€1k▼
Taxes450/3€2k€223▼
Remuneration and social security454/9€0€1k▲
Other amounts payable47/48€8k€2k▼
Accrued charges and deferred income492/3€85k€65k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€6k▲
Other operating charges640/8€1k€989▼
Gross operating margin9900€158k€2k▼
Operating profit (loss)9901€152k€-5k▼
Financial income75/76B€541€20k▲
Recurring financial income75€541€20k▲
Financial charges65/66B€142€70▼
Recurring financial charges65€142€70▼
Profit (loss) for the period before taxes9903€153k€14k▼
Income taxes67/77€35k€790▼
Profit (loss) for the period9904€118k€14k▼
Profit (loss) for the period to be appropriated9905€118k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€367k€131k▼
Profit (loss) brought forward from the previous period14P€249k€118k▼
Profit to be distributed694/7€249k€115k▼
Return on contributions (dividend)694€249k€115k▼
The notes to these accounts (5 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €14k ▼88.5%
Net result drops to €14k, the lowest in the series.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 15.10
Current ratio from 5.66 to 15.10; short-term debt falls from €58k to €14k.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2021net €134k ▲50.3%
Operating result €174k, net result €134k, both a record.
31-12
Financial
Equity above €200kEq €254k ▲112%
3 profitable years in a row build equity to €254k.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €120k ▲295%
2 profitable years in a row build equity to €120k.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Herselt · 1 establishment unit since 2021
Ground area
855 m²
Building footprint
149 m²
Volume, LiDAR
943 m³
Parcel 13034I0114/00M000, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FBD CONSULTING
since 20212.312.108.034
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13034I0114/00M000 | Flanders | 855 m² | 1 · 149 m² | 9.3 m · 2 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.
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Of 29,993 companies in sector 62200 we hold annual accounts for 18,391. 13,239 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
Founded15-01-2021
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:ma.528@hotmail.co.uk