Equity
-€14,266
Debts exceed assets in financial year 2025.
FBMS
Overview
Lifetime
6 annual accounts with figures on one time axispeak €42,746 (2021)
€33,920▲ 77.7%
lowest -€54,989 (2021)
€10,866▲ 487%
peak €3,869 (2020)
-€14,266▲ €10,866
€67,573▲ 10.4%
Board1 name since 2019
1 director
Documentsfilings and deeds
26-08-202626 days late
2025micro format
Gross margin from €19,090 to €33,920Result from €1,852 to €10,866Equity from -€25,132 to -€14,266Investments €21,501Cash from €7,667 to €5,293
Key points
from the 2025 annual accountsTurnover
≈ €99,000 estimated
The micro format states no turnover.
Debts
€67,573 127% of the balance sheet
Financial debts 33%Suppliers 4%Taxes and wages 2%Other 60%
Of this, €46,746 falls due within a year.
Investments
€21,500 1.9 × depreciation
Green is investment, beige is depreciation.
Filings
6 annual accounts 6 late
The 2023 accounts came latest: 77 days after the end of the period.
Position in the sector
-€14,266
Less equity than 82% of companies in personal services. Sector median €14,708 · 6,281 companies.
Checked score
Bankruptcy probability within 12 months
Financial strength
Score breakdown
Comparable companies, two years later
In July 2024, 2,182 companies had the same profile as FBMS has now. Each dot stands for 6 companies, two years later.
88.8%
were still trading
5.9%
stopped another way
4.8%
went bankrupt
Another 0.5% stopped without a precise date, possibly only after those two years.
Test of the method
The method was tested on the 497,762 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 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
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 2,182 companies, not a prediction for FBMS. 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
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
Board and ownership
Director, since 25-10-2019
- 84 sharesdeed of 22-12-2023
- 36 sharesdeed of 22-12-2023
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0736896033
Registered office moved from Dour to Thulin
New registered office: Rue des Canadiens 10 à 7350 Thulin · Previous registered office: Rue Alexandre Patte 86 à 7370 Dour · holds 84 shares · General meeting of 22-11-2023 · Gazette deed
First establishment
Rue des Canadiens 10, Hensies
Incorporation
Founding capital of €12,000, 120 shares · Appointment: (director) · Registered office clause: rue Alexandre Patte, numéro 86, 7370 Dour · published on 31-10-2019 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| FBMS Hensies | €53,307 | €33,920 | -26.8% | - |
| LEVARE Kontich | €46,182 | €36,815 | 71.9% | - |
| DAVID COMPAGNIE Binche | €55,137 | €34,360 | 31.7% | - |
| FIEVET-DUEZ Tournai | €105,964 | €36,897 | 48.3% | - |
| Funérailles Memories Brussels | €96,978 | €40,459 | 30.9% | - |
| FUNERAILLES ISLAMIQUES EUROPEENNES Sint-Gillis (bij-Brussel) | €68,382 | €24,588 | 22.8% | - |
| OVO SERVICES Steenokkerzeel | €109,634 | €44,493 | -10.0% | - |
These companies have the same main activity as FBMS: funeral services (NACE 96301). They are comparable in size and age: total assets between €46,200 and €110,000, founded between 2014 and 2023.
Official details
Source: KBO- Status
- Active since 29-10-2019Normal situation
- Activity
- Funeral servicesNACE 96301
- Joint committee
- 320Funeral directors · annual accounts 2022
- Establishment unit
- 2.295.034.6487350 Hensies, since 30-10-2019
- Financial year end
- 31 December
- Peppol
- Reachable since 22-02-2025
Annual accounts 2025
- €33,920▲ 77.7%
- €10,866▲ 487%
- -€14,266▲ 43.2%
- €53,307▲ 47.9%
- 0.8 FTE▲ 167%
- Filing
- Filed on 26-08-2026
Insights on FBMS
FBMS files the micro format. That format states no turnover. The gross margin rose from €12,542 in 2020 to €33,920 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 26-08-2026, 26 days late€33,920
▲ 77.7%
€14,311
▲ 107%
€10,866
▲ 487%
-€26,112
▲ €8,459
-26.8%
▲ 43.0 percentage points
0.44
▲ 0.16
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €99,000. Estimated: probably between €74,000 and €140,000.
Balance sheet
balance sheet total €53,307 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
-26.8%
Higher than 21% of 6,266 companies in 2025.
0.44
Higher than 23% of 5,750 companies in 2025.
20.4%
Higher than 81% of 5,802 companies in 2025.
FBMS
Middle half of the sector
80% of the sector
Micro accounts in personal services (NACE 96)
Net result: middle half · Equity: bottom quarter · Balance sheet total: middle half · Working capital: bottom quarter
Staff
€8,286
Staff costs divided by the average number of full-time equivalents.
-1 person
people who joined
people who left
In 2025, nobody joined and 1 person left. Training hours in 2025: 1,180.
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Balance sheet: assets | |||||||
20/58 |
53,307 | 36,048 | 25,316 | 43,077 | 149,946 | 138,718 | |
21/28 |
32,673 | 22,673 | 5,466 | 22,273 | 125,156 | 96,064 | |
22/27 |
32,373 | 22,373 | 5,166 | 21,973 | 124,856 | 95,764 | |
23 |
- | - | - | 867 | 1,733 | 2,600 | |
24 |
32,373 | 22,373 | 5,166 | 21,106 | 123,123 | 93,164 | |
28 |
300 | 300 | 300 | 300 | 300 | 300 | |
29/58 |
20,634 | 13,375 | 19,850 | 20,805 | 24,790 | 42,654 | |
40/41 |
13,033 | 4,577 | 11,863 | 12,297 | 18,259 | 35,861 | |
40 |
6,233 | 4,577 | 11,863 | 12,038 | 17,113 | 16,535 | |
41 |
6,800 | - | - | 259 | 1,146 | 19,326 | |
54/58 |
5,293 | 7,667 | 7,749 | 7,809 | 3,799 | 5,033 | |
490/1 |
2,308 | 1,131 | 238 | 699 | 2,732 | 1,760 | |
| Balance sheet: equity and liabilities | |||||||
10/49 |
53,307 | 36,048 | 25,316 | 43,077 | 149,946 | 138,718 | |
10/15 |
-14,266 | -25,132 | -26,984 | -44,086 | -51,120 | 3,869 | |
10/11 |
12,000 | 12,000 | 12,000 | 12,000 | 12,000 | 12,000 | |
10 |
- | - | - | - | 12,000 | - | |
100 |
- | - | - | - | 12,000 | 12,000 | |
14 |
-26,266 | -37,132 | -38,984 | -56,086 | -63,120 | -8,131 | |
17/49 |
67,573 | 61,180 | 52,300 | 87,163 | 201,066 | 134,849 | |
17 |
20,827 | 13,234 | 634 | 11,684 | 105,258 | 81,956 | |
170/4 |
20,827 | 13,234 | 634 | 11,684 | 105,258 | 81,956 | |
42/48 |
46,746 | 47,946 | 51,666 | 75,479 | 95,808 | 52,893 | |
42 |
12,659 | 8,675 | 11,049 | 26,244 | 35,367 | 14,730 | |
43 |
1,345 | - | - | - | - | - | |
430/8 |
1,345 | - | - | - | - | - | |
44 |
3,029 | 4,701 | 6,370 | 18,485 | 30,568 | 34,970 | |
440/4 |
3,029 | 4,701 | 6,370 | 18,485 | 30,568 | 34,970 | |
45 |
1,535 | 1,096 | 428 | 120 | 7,895 | 2,807 | |
450/3 |
1,535 | 875 | 428 | 120 | - | - | |
454/9 |
- | 221 | - | - | 7,895 | 2,807 | |
47/48 |
28,178 | 33,474 | 33,819 | 30,630 | 21,978 | 386 | |
| Income statement | |||||||
9900 |
33,920 | 19,090 | 36,010 | 29,712 | 42,746 | 12,542 | |
62 |
6,629 | 2,702 | - | 8,541 | 35,130 | 9,575 | |
630 |
11,501 | 7,747 | 12,087 | 15,253 | 35,675 | 10,211 | |
640/8 |
1,479 | 1,730 | 886 | 1,302 | 988 | 293 | |
9901 |
14,311 | 6,911 | 23,037 | 4,616 | -29,047 | -7,537 | |
75/76B |
- | - | 305 | 11,720 | 3 | - | |
75 |
- | - | 305 | 3,253 | 2 | - | |
76B |
- | - | - | 8,467 | 1 | - | |
65/66B |
3,445 | 5,056 | 6,210 | 9,182 | 25,945 | 594 | |
65 |
3,445 | 1,366 | 1,490 | 3,584 | 2,824 | 594 | |
66B |
- | 3,690 | 4,720 | 5,599 | 23,121 | - | |
9903 |
10,866 | 1,855 | 17,132 | 7,154 | -54,989 | -8,131 | |
67/77 |
- | 3 | 30 | 120 | - | - | |
9904 |
10,866 | 1,852 | 17,102 | 7,035 | -54,989 | -8,131 | |
9905 |
10,866 | 1,852 | 17,102 | 7,035 | -54,989 | -8,131 | |
| Appropriation of the result | |||||||
9906 |
-26,266 | -37,132 | -38,984 | -56,086 | -63,120 | -8,131 | |
14P |
-37,132 | -38,984 | -56,086 | -63,120 | -8,131 | - | |
| Social balance sheet | |||||||
9087 |
0.8 | 0.3 | - | 0.3 | - | - | |
Hours worked1013 |
1,180 | 431 | - | 676 | - | - | |
| Document | |||||||
The notes to these accounts have 9 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 26-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 26 days after the deadline. Filed on 26 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00426396.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 26-08-2026 | 2026-00426396 | |
| 31-12-2024 | micro format | 25-08-2025 | 2025-00398871 | |
| 31-12-2023 | micro format | 16-10-2024 | 2024-00507888 | |
| 31-12-2022 | micro format | 31-08-2023 | 2023-00426142 | |
| 31-12-2021 | micro format | 18-08-2022 | 2022-20294413 | |
| 31-12-2020 | micro format | 31-08-2021 | 2021-58300064 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| 25,812 | 14,658 | 35,124 | 19,869 | 6,628 | 2,674 | ||
| 22,367 | 9,599 | 29,189 | 22,287 | -19,314 | 2,080 | ||
| 21,500 | 24,954 | -4,720 | -87,631 | 87,889 | 104,890 | ||
| -2,374 | -82 | -60 | 4,010 | -1,234 | - | ||
| -26,112 | -34,571 | -31,816 | -54,674 | -71,018 | -10,239 | ||
| -26.8% | -69.7% | -106.6% | -102.3% | -34.1% | 2.8% | ||
| 0.44 | 0.28 | 0.38 | 0.28 | 0.26 | 0.81 | ||
| - | - | - | - | - | 34.85 | ||
| - | - | - | - | - | -210.2% | ||
| 20.4% | 5.1% | 67.6% | 16.3% | -36.7% | -5.9% | ||
| 7.49 | 10.73 | 23.57 | 5.54 | 2.35 | - |
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.
Social balance sheet
| Item | 31-12-2025 | 31-12-2024 | 31-12-2022 |
|---|---|---|---|
| Employees at the balance-sheet date | - | 1 | - |
| full-time | - | 1 | - |
| in full-time equivalents | - | 1 | - |
| 0.8 | 0.3 | 0.3 | |
| Joined | 0 | 1 | 0 |
| Left | 1 | 0 | 1 |
| Training hours | 1,180 | 430 | 676 |
Source: social balance sheet in the 2022 to 2025 annual accounts
Investments
fixed assets acquired| Item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Tangible fixed assets | €21,500 | €24,954 | - | - | €87,889 |
| €11,501 | €7,747 | €12,087 | €15,253 | €35,675 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
Insights on FBMS
The operating result for 2025 is 107% higher than in 2024. It is a recovery after the fall in 2024.
Equity is negative. Debt (€67,573) exceeds the balance-sheet total (€53,307).
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
since 25-10-2019
term without a fixed end
listed in the 2025 annual accounts, filed on 26-08-2026
Mandates through the years
1 name, the dashed line is todayDirector (not named in the articles)
Board
Mandates as a list
-
- Director (not named in the articles), from 25-10-2019 to date
Control
Shareholders
,
This company
FBMS
Equity -€14,266
Profit €10,866 in 2025
Capital
- Contribution
- €12,000
- Shares
- 120
- Contribution per share
- €100
- Equity per share
- -€119 in 2025
- Source
- deed of 31-10-2019
Articles of association
deed of 31-10-2019 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- 1 director
Shareholders
Stated in the deed
deed of 22-12-2023 ↗
- 84 shares
- 36 shares
At incorporation
deed of 31-10-2019 ↗
- 84 shares (70%) · €8,400 in cash
- 36 shares (30%) · €3,600 in cash
Network & group
No group
FBMS has no parent and no holdings in its annual accounts. is the only director. FBMS shares no director with another company.
Timeline
Timeline
13 events since 2019Filings
Financial
Establishments
Address
2020202220242026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 26 days late
2025
Annual accounts 2024 filed PDFmicro format · 25 days late
Registered in the Peppol Directory Reachable for e-invoices through 0208:0736896033
2024
Annual accounts 2023 filed PDFmicro format · 77 days late
2023
Highest result from 2020 to 2025 net €17,102 ▲143% The operating result of €23,037 and the net result of €17,102 are both a record.
Registered office moved from Dour to ThulinNew registered office: Rue des Canadiens 10 à 7350 Thulin · Previous registered office: Rue Alexandre Patte 86 à 7370 Dour · holds 84 shares · General meeting of 22-11-20234 points ▸
- General meeting, 22-11-2023
- holds 84 shares
- holds 36 shares
- Registered-office move, Rue des Canadiens 10 à 7350 Thulin
- The deed holds 1 more point.
Annual accounts 2022 filed PDFmicro format · 31 days late
2022
Back to profit net €7,035 The net result is €7,035, after 2 loss-making years.
Annual accounts 2021 filed PDFmicro format · 18 days late
2021
Weakest financial year net -€54,989 The net result drops to -€54,989, the lowest from 2020 to 2025. It recovers the following year.
Annual accounts 2020 filed PDFmicro format · 31 days late
2019
First establishment Rue des Canadiens 10, Hensies
IncorporationFounding capital of €12,000, 120 shares · Appointment: (director) · Registered office clause: rue Alexandre Patte, numéro 86, 7370 Dour · published on 31-10-20193 points ▸
- Registered office clause, rue Alexandre Patte, numéro 86, 7370 Dour
- Director appointment, (director (not named in the articles))
- Founding capital, €12,000, 120 shares
- The deed holds 7 more points.
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
FBMS was incorporated on 29 October 2019 as a private limited company by two natural persons, with a starting capital of €12,000.12 The registered office was moved to Thulin in 2023.3 Since 2019, has served as director.4 Total assets fell from €138,718 in 2020 to €53,307 in 2025 and headcount from 0.3 full-time equivalents in 2022 to 0.8 in 2025.5
Company details
Identity
- Enterprise number
- 0736.896.033
- VAT number
- BE 0736.896.033
- Peppol ID
- 0208:0736896033
- Other Peppol ID
- 9925:BE0736896033
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 29-10-2019
- Financial year
- ends on 31 December
- Peppol
- Reachable since 22-02-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- FBMS in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 31-10-2019 (in French)
Activities
NACEBEL 2025VAT activities
96301
Funeral services main activity
Social security (RSZ) activities
96301
Funeral services main activity
Joint committees annual accounts 2022
JC 320
Funeral directors
Codes under NACEBEL 2008
VAT activities
96031
Personal service activities main activity
Social security (RSZ) activities
96031
Personal service activities main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “L'organisation complète de funérailles; Le transport de dépouilles mortelles national et international; Tous travaux en rapport direct ou…”deed of 31-10-2019 (in French)
12 activities
- L'organisation complète de funérailles
- Le transport de dépouilles mortelles national et international
- Tous travaux en rapport direct ou indirect avec l’inhumation et l’exhumation
- L'exploitation et la gestion de funérariums
- La location de salles de réception,de limousines ou corbillards
- L'embaumement et toutes autres pratiques funéraires ou de thanatopraxie
- L’achat,la vente,en gros et au détail,l’import-export et le transport ainsi que la pose de caveaux,de monuments funéraires,pierres de taille,naturelles ou synthétiques,et de tous accessoires
- La vente et la location d'articles,accessoires ou décors funéraires et de fleuristerie,de marbrerie et de pompes funèbres
- Le commerce en articles cadeaux,souvenirs,fleurs naturelles et plantes
- Tous travaux d’infographie et de reportage photographique,la composition,la publication de tous faire-parts et annonces nécrologiques
- Le courtage en assurance couvrant les frais funéraires
- La négociation et la souscription de tous contrats relatifs à des prestations différées de fleuristerie
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Rue des Canadiens 10 registered office 7350 Hensies | 30-10-2019 | 2.295.034.648 |
1 former office
- Rue Alexandre Patte 86, 7370 Dour until 27-11-2023 · deed of 22-12-2023
Buildings and parcels at the address
- Ground area
- 958 m²
- Buildings
- 134 m²
- Volume, LiDAR
- 749 m³
- Tallest building
- 6.7 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 53076D0061/00H000 | 958 m² | 1 · 134 m² | 6.7 m · 2 |