Equity
-€61,079
Debts exceed assets in financial year 2024.
FBKNF
Overview
Lifetime
3 annual accounts with figures on one time axispeak -€15,479 (2023)
-€19,113▼ €3,634
lowest -€25,492 (2022)
-€19,656▼ €3,726
peak -€25,492 (2022)
-€61,079▼ €19,656
€88,415▲ 32.3%
Board1 name since 2021
1 directorBOUKENNA Fatima
Documentsfilings and deeds
31-10-202592 days late
2024micro format
Gross margin from -€15,479 to -€19,113Loss of €19,656Equity from -€41,423 to -€61,079Debts from €66,841 to €88,415
Key points
from the 2024 annual accountsLosses
-€61,079 in three years
Every financial year from 2022 to 2024 closed with a loss. 2022 was the heaviest.
Debts
€88,415 323% of the balance sheet
Suppliers 3%Taxes and wages 1%Other 95%
Filings
3 annual accounts 100 days past the deadline
2025 accounts not filed: deadline was 31-07-2026.
Starting capital
€5,000 100 shares
Position in the sector
-223.4%
Lower solvency than 95% of companies in retail trade. Sector median 32.2% · 25,553 companies.
Turnover not published (micro format)
Checked score
34
Weak
Financially stronger than 15% of micro companies in retail trade (NACE 47)
Probability in this band: 4.2% to 15.0%
Bankruptcy probability within 12 months
6.2% Elevated
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,271 companies (NACE 47, micro).
About 6 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 3.0%
01-2025: 3.0%● unchanged vs 12-2024
02-2025: 3.1%▲ +0.1 percentage points vs 01-2025
03-2025: 3.0%▼ -0.1 percentage points vs 02-2025
04-2025: 3.1%▲ +0.1 percentage points vs 03-2025
05-2025: 3.1%● unchanged vs 04-2025
06-2025: 3.1%● unchanged vs 05-2025
07-2025: 2.8%▼ -0.3 percentage points vs 06-2025lowest value
08-2025: 3.4%▲ +0.6 percentage points vs 07-2025
09-2025: 3.8%▲ +0.4 percentage points vs 08-2025
10-2025: 5.2%▲ +1.4 percentage points vs 09-2025
11-2025: 5.3%▲ +0.1 percentage points vs 10-2025
12-2025: 3.3%▼ -2.0 percentage points vs 11-2025
01-2026: 3.3%● unchanged vs 12-2025
02-2026: 3.3%● unchanged vs 01-2026
03-2026: 3.2%▼ -0.1 percentage points vs 02-2026
04-2026: 3.2%● unchanged vs 03-2026
05-2026: 3.3%▲ +0.1 percentage points vs 04-2026
06-2026: 3.4%▲ +0.1 percentage points vs 05-2026
07-2026: 3.4%● unchanged vs 06-2026
08-2026: 4.2%▲ +0.8 percentage points vs 07-2026
09-2026: 4.6%▲ +0.4 percentage points vs 08-2026
10-2026: 6.2%▲ +1.6 percentage points vs 09-2026highest value
11-2026: 6.2%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
Figures for financial year 2024 (filed on 06-11-2025)
1 financial year not filed after the legal deadline; last filed accounts filed 92 days late; 3 of the last 3 accounts late
Founded in 2021
lowers risk
Size: total assets €27,335
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 6% of them on solvency, 38% on liquidity, 6% on profitability and 11% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2024.
Of the companies with a bankruptcy probability in the elevated class on 30-06-2025, 6.3% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 7,639 companies had the same profile as FBKNF has now. Each dot stands for 20 companies, two years later.
84.8%
were still trading
5.6%
stopped another way
8.8%
went bankrupt
Another 0.7% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of FBKNF itself: 6.2% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 7,639 companies, not a prediction for FBKNF. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.31 (0.38 in 2023), below 1. Short-term debt is 323.4% and cash 31.8% of total assets. Equity is negative.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Seven signals.
lowers riskraises risk
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
222324
2022 to 2024 · latest year -€61,079
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 100 days later.
NBB · 3 filingsPosition against the passed deadline
31-12-2025 year end31-07-2026 deadline08-11-2026 today
raises risk · 2024 accounts filed 92 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-10-2025, 92 days past the deadline. Measured on financial year 2023: of the companies more than 90 days late, 5.61% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers.
NBB · 3 filingsDeviation from the deadline
2025
not filed
2024
92 days late
2023
31 days late
2022
31 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 51 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (1)
Recent changes
First establishment
Steenweg op Waver 750, Etterbeek
Incorporation
Founding capital of €5,000, 100 shares · Founder: BOUKENNA Fatima (comparant) · Appointment: BOUKENNA Fatima (director) · published on 22-11-2021 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| FBKNF Brussels | €27,335 | -€19,113 | -223.4% | - |
| CKS Partners Houthalen-Helchteren | €28,801 | -€5,951 | 100.0% | - |
| MENZ TRADING Antwerp | €31,735 | -€4,208 | 58.9% | - |
| FLASH CAPSULES BE Brussels | €23,895 | -€15,275 | -406.5% | 0.8 |
| MOD'PETITS Brussels | €26,027 | €583 | 94.1% | - |
| PUNTAZO Bierbeek | €36,240 | -€8,857 | -103.5% | - |
| KAAZFA Poperinge | €22,606 | -€5,640 | -4.2% | - |
These companies have the same main activity as FBKNF: retail sale of clothing and accessories for women, men, children and babies (general range) (NACE 47716). They are comparable in size and age: total assets between €22,600 and €36,200, founded between 2019 and 2023.
Official details
Source: KBO- Status
- Active since 18-11-2021Normal situation
- Registered office
- 123 active companies are registered at this address4 started in the 12 months before. Source: KBO register, as of 8 November 2026.
- Activity
- Retail sale of clothing and accessories for women, men, children and babies (general range)NACE 47716and 3 others
- Establishment unit
- 2.326.069.9951040 Etterbeek, since 06-12-2021
- Financial year end
- 31 December
- Peppol
- Reachable
Annual accounts 2024
- -€19,113▼ 23.5%
- €19,656▲ 23.4%
- -€61,079▼ 47.5%
- €27,335▲ 7.5%
- Filing
- Filed on 31-10-2025
Insights on FBKNF
FBKNF files the micro format. That format states no turnover. The gross margin rose from -€23,865 in 2022 to -€19,113 in 2024.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2024
micro format, filed on 31-10-2025, 92 days late2025 annual accounts not yet filed, deadline passed on 31 July 2026 The financial year closed on 31 December 2025. The accounts are due at the latest 7 months after the close (Companies Code art. 3:10). Source: NBB filings, as of 9 November 2026.
-€19,113
▼ €3,634
-€19,513
▼ €3,686
-
-
-223.4%
▼ 60.5 percentage points
0.31
▼ 0.07
Money flows
no detail for 2024Balance sheet
balance sheet total €27,335 on 31-12-2024What the company ownsHow it is paid for
in euro
in euro
Position in the sector
-223.4%
Lower than 95% of 25,553 companies in 2024.
0.31
Higher than 8% of 24,612 companies in 2024.
-71.9%
Lower than 95% of 24,781 companies in 2024.
FBKNF
Middle half of the sector
80% of the sector
Micro accounts in retail trade (NACE 47)
Net result: bottom quarter · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: bottom quarter
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Balance sheet: assets | ||||
20/58 |
27,335 | 25,418 | 20,247 | |
20 |
- | - | 0 | |
21/28 |
240 | 240 | 240 | |
28 |
240 | 240 | 240 | |
29/58 |
27,095 | 25,178 | 20,007 | |
3 |
15,227 | 11,834 | 9,922 | |
30/36 |
15,227 | 11,834 | 9,922 | |
40/41 |
- | 279 | 225 | |
40 |
- | 279 | 225 | |
54/58 |
8,703 | 9,900 | 6,444 | |
490/1 |
3,166 | 3,166 | 3,415 | |
| Balance sheet: equity and liabilities | ||||
10/49 |
27,335 | 25,418 | 20,247 | |
10/15 |
-61,079 | -41,423 | -25,492 | |
10/11 |
- | 0 | 0 | |
10 |
- | 0 | 0 | |
100 |
- | 5,000 | 5,000 | |
101 |
- | 5,000 | 5,000 | |
14 |
-61,079 | -41,423 | -25,492 | |
17/49 |
88,415 | 66,841 | 45,739 | |
42/48 |
88,415 | 66,841 | 45,739 | |
44 |
2,737 | 1,577 | 21,349 | |
440/4 |
2,737 | 1,577 | 21,349 | |
45 |
1,260 | 678 | 510 | |
450/3 |
1,260 | 678 | 510 | |
47/48 |
84,418 | 64,586 | 23,880 | |
| Income statement | ||||
70 |
- | 65,871 | 49,104 | |
9900 |
-19,113 | -15,479 | -23,865 | |
60/61 |
- | 81,351 | 72,969 | |
630 |
- | - | 864 | |
640/8 |
400 | 348 | 695 | |
9901 |
-19,513 | -15,827 | -25,424 | |
65/66B |
144 | 104 | 68 | |
65 |
144 | 104 | 68 | |
9903 |
-19,656 | -15,931 | -25,492 | |
9904 |
-19,656 | -15,931 | -25,492 | |
9905 |
-19,656 | -15,931 | -25,492 | |
| Appropriation of the result | ||||
9906 |
-61,079 | -41,423 | -25,492 | |
14P |
-41,423 | -25,492 | - | |
| Document | ||||
The notes to these accounts have 3 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).
Source: Annual accounts 2024 (PDF), filed on 31-10-2025.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| - | - | -24,560 | ||
| - | - | -24,629 | ||
| - | - | 1,104 | ||
| -1,197 | 3,455 | - | ||
| -61,319 | -41,663 | -25,732 | ||
| - | -24.0% | -51.8% | ||
| -223.4% | -163.0% | -125.9% | ||
| 0.31 | 0.38 | 0.44 | ||
| 0.13 | 0.20 | 0.22 | ||
| -71.9% | -62.7% | -125.9% | ||
| - | - | -359.91 | ||
| - | 2 days | 2 days | ||
| - | 7 days | 107 days |
Debt to equity is not shown because equity is negative. Debt divided by negative equity means nothing.
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2024 | 2023 | 2022 |
|---|---|---|---|
| Intangible fixed assets | - | - | €864 |
| Financial fixed assets | - | - | €240 |
| - | - | €864 |
Source: notes to the 2022 to 2024 annual accounts (statement of fixed assets)
Insights on FBKNF
The operating result for 2024 is a loss of €19,513, larger than the loss of €15,827 in 2023.
Equity is negative. Debt (€88,415) exceeds the balance-sheet total (€27,335).
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
appointed by deed of 22-11-2021
term without a fixed end
Mandates through the years
1 name, the dashed line is todayBOUKENNA Fatima
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- BOUKENNA Fatima
- Director (not named in the articles), appointed by deed of 22-11-2021, still in office
Control
Capital
- Contribution
- €5,000
- Shares
- 100
- Contribution per share
- €50
- Equity per share
- -€611 in 2024
- Source
- deed of 22-11-2021
Articles of association
deed of 22-11-2021 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
Shareholders
At incorporation
deed of 22-11-2021 ↗
- BOUKENNA Fatima 100 shares (100%) · in cash
Network & group
No group
FBKNF has no parent and no holdings in its annual accounts. BOUKENNA Fatima is the only director. FBKNF shares no director with another company.
Timeline
Timeline
5 events since 2021Filings
Establishments
202220242026
2025
Annual accounts 2024 filed PDFmicro format · 92 days late
2024
Annual accounts 2023 filed PDFmicro format · 31 days late
2023
Annual accounts 2022 filed PDFmicro format · 31 days late
2021
First establishment Steenweg op Waver 750, Etterbeek
IncorporationFounding capital of €5,000, 100 shares · Founder: BOUKENNA Fatima (comparant) · Appointment: BOUKENNA Fatima (director) · published on 22-11-20216 points ▸
- Founder, BOUKENNA Fatima (comparant)
- Founding capital, €5,000, 100 shares
- 100 shares
- Registered office clause, Square de Meeûs 38/40, 1000 Bruxelles
- Director appointment, BOUKENNA Fatima (director (not named in the articles))
- Power of attorney, Charles HUYLEBROUCK (proxy holder)
- The deed holds 1 more point.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
On 18 November 2021, FBKNF was incorporated as a private limited company by one natural person, with a starting capital of €5,000.12 BOUKENNA Fatima is director of the company, appointed by deed of 22-11-2021.2 Total assets went from €20,247 in 2022 to €27,335 in 2024.3
Company details
Identity
- Enterprise number
- 0777.488.355
- VAT number
- BE 0777.488.355
- Peppol ID
- 0208:0777488355
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 18-11-2021
- Financial year
- ends on 31 December
- Peppol
- Reachable via PeppolFollow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- FBKNF in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 22-11-2021 (in French)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Région de Bruxelles-Capitale”deed of 22-11-2021 (in French)
Activities
NACEBEL 202547716
Retail sale of clothing and accessories for women, men, children and babies (general range) main activity
47721
Retail sale of footwear
47722
Retail trade
Codes under NACEBEL 2008
47716
Retail trade main activity
47721
Retail trade
47722
Retail trade
47750
Retail trade
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “L’achat,la vente,l’importation,l’exportation,le commerce de gros et de détail,le commerce ambulant,la réparation et l’entretien ainsi que la…”deed of 22-11-2021 (in French)
7 activities
- L’achat,la vente,l’importation,l’exportation,le commerce de gros et de détail,le commerce ambulant,la réparation et l’entretien ainsi que la fabrication sous toutes ses formes de tous articles d’habillement,neufs et de seconde main,de tous vêtements,produits textiles,tissus,cuirs,vêtements pour hommes,dames,enfants,d’articles et d’accessoires de coutures,chaussures,prêt à porter,maroquinerie,bijoux,accessoires et autres articles de mode,de linge de tables,de tous produits relatifs aux sports,…
- Toutes activités de cordonnerie,maroquinerie,serrurerie,tailleur,retouche,repassage et/ou pressing de tous types de textiles,vêtements et chaussures
- Toutes activités de conseil dans les secteurs de la mode,l’image,la beauté,le bien-être,l’épanouissement du corps et de l’esprit
- L’exploitation de tout commerce et de tout atelier de confection et de repassage,de retouche et de réparation en lien avec le secteur textile et les vêtements traditionnels et artisanaux,ainsi que le commerce ambulant lié à l’objet de la société
- L’achat,la vente,tant en gros qu’au détail,l’importation,l’exportation,la représentation,la distribution,la location,la fabrication,la confection artisanale,semi-artisanale ou industrielle,le conditionnement et la commercialisation de tous produits ou denrées alimentaires ainsi que de tous produits liés à l’alimentation en général et à l’industrie alimentaire (frais,en conserve,secs ou surgelés et notamment de fruits et légumes),de boulangerie,de pâtisserie,de chocolaterie,d’épicerie,d’épicerie fine,de produits laitiers,de fromagerie,de charcuterie,de produits de la mer,de traiteur (plats préparés,…),de confiserie,de biscuiterie,de boissons,de vins et de spiritueux,de tabacs,de cigarettes et accessoires,de même que de tous articles liés à l’art de la table et de décoration divers
- Le transport,la livraison à domicile,le stockage et l’entreposage,l’emballage de tous produits ou denrées alimentaires ainsi que de tous produits liés à l’alimentation en général et à l’industrie alimentaire
- L’achat,la vente,la prise en location et en sous-location,ainsi que la cession en location et en sous-location,le tout avec ou sans option d’achat,l’exploitation et l’entretien de maisons,appartements,bureaux,magasins,fonds de commerce,terrains,terres et domaines et,de manière générale,de tous biens immobiliers,ainsi que toutes opérations de financement
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| de Meeûssquare 38/40 registered office 1000 Brussels | ||
| Steenweg op Waver 750 1040 Etterbeek | 06-12-2021 | 2.326.069.995 |
Buildings and parcels at the addresses
- Ground area
- 2,613 m²
- Buildings
- 1,235 m²
- Volume, LiDAR
- 30,542 m³
- Tallest building
- 33.3 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 21805E0461/00L000 | 2,479 m² | 1 · 1,096 m² | 33.3 m · 9 |
| 21362B0065/00Z000 | 134 m² | 1 · 139 m² | 14.4 m · 2 |
1 of these parcels carries protected heritage. Expect extra rules on renovation or sale.