Overdue debts
€84,438 on 31-12-2025
The annual accounts state €470 of overdue tax debts and €83,967 of overdue social security (RSZ) debts on 31-12-2025.
FBL POSE
Lifetime
7 annual accounts with figures on one time axispeak €203,499 (2025)
€203,499▲ 52.9%
lowest -€62,294 (2025)
-€62,294▼ €44,451
peak €30,682 (2022)
-€55,099▼ €62,294
€113,101▲ 88.5%
Board1 name since 2026
-
Owners
98%FRANBELUX
Documentsfilings and deeds
01-07-202630 days before the deadline
2025micro format
Gross margin from €133,072 to €203,499Loss of €62,294Equity from €7,195 to -€55,099Debts from €60,001 to €113,101Cash from €283 to €113
Key points
from the 2025 annual accountsEquity
-€55,099
Debts exceed assets in financial year 2025.
Losses
-€85,781 in three years
Every financial year from 2023 to 2025 closed with a loss. 2025 was the heaviest.
Debts
€113,101 195% of the balance sheet
Suppliers 25%Taxes and wages 75%
Staff
4 employees on 31-12-2025
In 2025, 4 people joined and 3 left.
Position in the sector
-95.0%
Lower solvency than 95% of companies in specialised construction. Sector median 46.7% · 35,125 companies.
Checked score
8
Critical
Financially stronger than 2% of micro companies in specialised construction (NACE 43)
Probability in this band: over 15.0%
Bankruptcy probability within 12 months
≥ 25% High
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,693 companies (NACE 43, micro).
About 1 in 4 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.6%
01-2025: 1.6%● unchanged vs 12-2024lowest value
02-2025: 1.6%● unchanged vs 01-2025lowest value
03-2025: 1.6%● unchanged vs 02-2025lowest value
04-2025: 1.7%▲ +0.1 percentage points vs 03-2025
05-2025: 1.7%● unchanged vs 04-2025
06-2025: 1.7%● unchanged vs 05-2025
07-2025: 1.8%▲ +0.1 percentage points vs 06-2025
08-2025: 2.1%▲ +0.3 percentage points vs 07-2025
09-2025: 2.1%● unchanged vs 08-2025
10-2025: 2.1%● unchanged vs 09-2025
11-2025: 2.1%● unchanged vs 10-2025
12-2025: 2.1%● unchanged vs 11-2025
01-2026: 2.0%▼ -0.1 percentage points vs 12-2025
02-2026: 2.0%● unchanged vs 01-2026
03-2026: 3.1%▲ +1.1 percentage points vs 02-2026
04-2026: 3.2%▲ +0.1 percentage points vs 03-2026
08-2026: ≥ 25%highest value
09-2026: ≥ 25%● unchanged vs 08-2026highest value
10-2026: ≥ 25%● unchanged vs 09-2026
11-2026: ≥ 25%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Reorganisation plan being carried out (approved, Gazette 28-07-2026)
Loss of €62,294, the second in a row (financial year 2025)
Negative equity -€55,099
lowers risk
Size: total assets €58,002
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 43, micro). It does better than 3% of them on solvency, 2% on liquidity, 4% on profitability and 0% 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 31-12-2025.
Of the companies with a bankruptcy probability in the high class on 30-06-2025, 14.6% 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, 6,008 companies had the same profile as FBL POSE has now. Each dot stands for 16 companies, two years later.
83.0%
were still trading
8.4%
stopped another way
7.9%
went bankrupt
Another 0.8% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of FBL POSE itself is higher: ≥ 25% within 12 months. It rests on far more data about FBL POSE than the profile alone.
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 6,008 companies, not a prediction for FBL POSE. 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 0.51 (1.1 in 2024), below 1. Short-term debt is 195% and cash 0.2% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year -€55,099
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 01-07-2026, 30 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
30 days early
2024
1 day early
2023
43 days early
2022
49 days early
2021
39 days early
2020
110 days early
2019
3 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 39 days before the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 22 June (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Plan homologation
Enterprise Court of Walloon Brabant · judgment of 22-07-2026 · Judicial reorganisation
Judicial reorganisation opened
Enterprise Court of Walloon Brabant · collective agreement (SME) · judgment of 16-04-2026 · Judicial reorganisation
Registered office moved from Glabais to Nivelles
New registered office: Rue du Commerce 12, boîte 4, 1400 Nivelles · Previous registered office: Rue des Croix du Feu 9, 1473 Glabais (Genappe) · Change of role: FRANBELUX, from manager to director · General meeting of 20-02-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0703985814
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| FBL POSE Nivelles | €58,002 | €203,499 | -95.0% | - |
| SGRD Hove | €52,457 | €198,994 | -53.3% | - |
| Nomot Mechelen | €80,733 | €192,718 | 61.8% | 2.9 |
| KRASNIQI MONTAGE Charleroi | €85,937 | €235,666 | 32.4% | - |
| 9INCH Waterloo | €87,487 | €116,598 | 34.3% | - |
| RB-Isobois Incourt | €55,140 | €96,300 | -795.7% | - |
| AV WOOD Lasne | €101,856 | €126,169 | 21.3% | - |
These companies have the same main activity as FBL POSE: joinery installation (NACE 43320). They are comparable in size and age: total assets between €52,500 and €102,000, founded between 2016 and 2018.
Official details
Source: KBO- Status
- Active since 13-09-2018Normal situation
- Registered office
- 13 active companies are registered at this addressSource: KBO register, as of 9 November 2026.
- Activity
- Joinery installationNACE 43320
- Establishment unit
- 2.293.237.1781400 Nivelles, since 13-09-2018
- Financial year end
- 31 December
- Peppol
- Reachable since 05-01-2026
Annual accounts 2025
- ≈ €760,000estimated
- €58,002▼ 13.7%
- Employeeson 31-12-2025
- 4▲ 33.3%
- Filing
- Filed on 01-07-2026, 30 days before the end of the filing period
Insights on FBL POSE
FBL POSE files the micro format. That format states no turnover. The gross margin rose from €108,274 in 2019 to €203,499 in 2025.
FRANBELUX holds 98% of the shares.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about FBL POSE
- What is the company number of FBL POSE?
- The company number of FBL POSE is 0703.985.814. The VAT number is the same number with BE in front: BE 0703.985.814.
- Where is FBL POSE based?
- The registered office is at Rue du Commerce 12, 1400 Nivelles.Company details
- What does FBL POSE do?
- According to the KBO register, the main activity is joinery installation (NACE 43320).
- What is the legal form of FBL POSE?
- FBL POSE is a private limited company (BV).
- When was FBL POSE founded?
- FBL POSE was founded on 13-09-2018.
- Is FBL POSE still active?
- Yes, FBL POSE is an active enterprise in the KBO register.
- How many employees does FBL POSE have?
- FBL POSE had an average of 4.1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of FBL POSE?
- The turnover in financial year 2025 is ≈ €760,000. This figure is estimated from the gross margin of €203,499 and 36 comparable companies (NACE 43320). It probably lies between €540,000 and €1.0m.
- Is FBL POSE profitable?
- In financial year 2025, FBL POSE made a loss of €62,294.
- Where can I find the annual accounts of FBL POSE?
- FBL POSE filed 7 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of FBL POSE due?
- FBL POSE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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