FBO CONSULTEK
ActiveThe computed 12-month bankruptcy probability of FBO CONSULTEK is 1.8% (moderate). The 2025 annual accounts show equity of €49k and a net result of €-16k. Equity is growing by ~3.8% per year across the filed fiscal years. Its solvency ranks better than 66% of 16935 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
60
/ 100
Healthy▲ +13 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100▲+15
Growth32▼-20
Stability100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 3.66 against 1.38 in 2024), and 25.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
74.2%
Return on assets
-24.4%
Age of the figures
8 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€16k
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
9 d early
2023
23 d early
2022
21 d early
2021
22 d late
2020
16 d early
2019
18 d early
← before the deadline
after the deadline →
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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€49k▼ 24.7%
2024 · €65k
2018: €51k
2019: €61k
2020: €55k
2021: €67k
2022: €101k
2023: €112k
2024: €65k
2018 → 2025
Total assets
€66k▼ 36.5%
2024 · €104k
2018: €97k
2019: €104k
2020: €116k
2021: €143k
2022: €174k
2023: €164k
2024: €104k
2018 → 2025
Net result
€-16k▲ 65.1%
2024 · €-46k
2018: €3k
2019: €24k
2020: €24k
2021: €27k
2022: €34k
2023: €12k
2024: €-46k
2018 → 2025
Working capital
€45k▲ 204%
2024 · €15k
2018: €40k
2019: €59k
2020: €37k
2021: €50k
2022: €86k
2023: €54k
2024: €15k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€67k-€101k▲ 50.0%€112k▲ 11.1%€65k▼ 41.9%€49k▼ 24.7%
Operating result€38k-€46k▲ 21.3%€19k▼ 57.8%€-46k€-16k▲ 65.8%
Net result€27k-€34k▲ 27.3%€12k▼ 65.2%€-46k€-16k▲ 65.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €16k in 2025 against €46k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €66k
Fixed assets
€4k▼ 92.5%
Current assets
€62k▲ 15.7%
Equity and liabilities €66k
Equity
€49k▼ 24.7%
Debt
€17k▼ 56.3%
The debt ratio falls from 37.4% to 25.8%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€-14k▲
2024 · €-38k
Cash flow
€-15k▲
2024 · €-38k
Solvency
74.2%▲
2024 · 62.6%
Current ratio
3.66▲
2024 · 1.38
Quick ratio
3.66▲
2024 · 1.33
Debt / equity
0.35▼
2024 · 0.60
ROE
-32.8%▲
2024 · -70.9%
ROA
-24.4%▲
2024 · -44.4%
Interest coverage
-169.54▲
2024 · -592.41
Debt
€17k▼
2024 · €39k
Debt ≤ 1 year
€17k▼
2024 · €39k
Income taxes
€377▼
2024 · €411
Staff costs
€8k▼
2024 · €11k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€104k€66k▼
Fixed assets21/28€50k€4k▼
Intangible fixed assets21€44k-
Tangible fixed assets22/27€3k€2k▼
Plant, machinery and equipment23€3k€2k▼
Financial fixed assets28€2k€2k▼
Current assets29/58€54k€62k▲
Stocks and contracts in progress3€2k-
Stocks30/36€2k-
Amounts receivable within one year40/41€29k€13k▼
Trade receivables40€13k€8k▼
Other amounts receivable41€16k€5k▼
Cash at bank and in hand54/58€22k€49k▲
Equity and liabilities
Total equity and liabilities10/49€104k€66k▼
Equity10/15€65k€49k▼
Contributions10/11€19k€19k=
Reserves13€46k€30k▼
Tax-exempt reserves132€12k€12k=
Distributable reserves133€34k€18k▼
Amounts payable17/49€39k€17k▼
Amounts payable within one year42/48€39k€17k▼
Trade debts44€6k€10k▲
Suppliers440/4€6k€10k▲
Taxes, remuneration and social security45€7k€5k▼
Taxes450/3€6k€5k▼
Remuneration and social security454/9€1k-
Other amounts payable47/48€26k€2k▼
Income statement
Code20242025
Non-recurring operating income76A€0€10k▲
Remuneration, social security and pensions62€11k€8k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€1k▼
Other operating charges640/8€118€356▲
Gross operating margin9900€-27k€-6k▲
Operating profit (loss)9901€-46k€-16k▲
Financial charges65/66B€64€84▲
Recurring financial charges65€64€84▲
Non-recurring financial charges66B€0€0▼
Profit (loss) for the period before taxes9903€-46k€-16k▲
Income taxes67/77€411€377▼
Profit (loss) for the period9904€-46k€-16k▲
Profit (loss) for the period to be appropriated9905€-46k€-16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-46k€-16k▲
Transfer from equity791/2€47k€16k▼
Profit to be distributed694/7€859-
Return on contributions (dividend)694€859-
The notes to these accounts (10 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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity triplescurrent ratio 3.66
Current ratio from 1.38 to 3.66; short-term debt falls from €39k to €17k.
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-46k ▼485%
Net result drops to €-46k, the lowest in the series; recovery starts the following year.
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €34k ▲27.3%
Operating result €46k, net result €34k, both a record.
31-12
Financial
Equity above €100kEq €101k ▲50%
5 profitable years in a row build equity to €101k.
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
02-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Antwerpen · 1 establishment unit since 2015
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
De Burburestraat 332000 AntwerpenGround area
4,953 m²
Building footprint
4,254 m²
Volume, LiDAR
64,385 m³
Parcel 11811L3665/00X000, Flanders · tallest building 29.2 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
FBO CONSULTEK
since 20152.239.138.694
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11811L3665/00X000 | Flanders | 4,953 m² | 1 · 4,254 m² | 29.2 m · 6 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.
Similar companies · same sector, comparable size
ELBAN
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La Grenouille
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HARUN EXPRESS
BE 0738.393.395
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Fero 65
BE 0805.156.814
Schoten · Eq €49k
Matthijs-Holderbeke
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Of 21,627 companies in sector 56112 we hold annual accounts for 9,654. 8,293 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-12-2014
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.