FC VET · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of FC VET is 0.1% (very low). The 2025 annual accounts show equity of €93k and a net result of €126k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 34% of 144 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Signals

2 signals · with evidence

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Growing equity

Equity grew over 2023-2025. Profits are largely retained rather than distributed.

View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-05-2026, 87 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

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.

How we compute the deadline

The year end is derived from 7 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	05-05-2026	87 d early	2026-00102620
31-12-2024	31-07-2025	11-06-2025	50 d early	2025-00138542
31-12-2023	31-07-2024	04-06-2024	57 d early	2024-00109175
31-12-2022	31-07-2023	20-06-2023	41 d early	2023-00144376
31-12-2021	31-07-2022	07-06-2022	54 d early	2022-20054115
31-12-2020	31-07-2021	02-08-2021	2 d late	2021-45600351
31-12-2019	31-07-2020	25-07-2020	6 d early	2020-36900173

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2019, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.1% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Young company +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

Turnover€137k+1.4%

EBIT margin45.2%+14.3pp

Net result€126k+265.0%

Working capital€-40k-1340.7%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 05-05-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

volatile Too volatile to project: the yearly deviation from the trend is ~38% of the level (threshold 35%). We therefore deliberately show no projection line.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 75 · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	32.8%	49.4%	better than 34% of 144 sector peers
Net result	€126k	€32k	better than 95% of 144 sector peers
Equity	€93k	€68k	better than 61% of 144 sector peers
Gross operating margin	€191k	€68k	better than 91% of 144 sector peers
Total assets	€283k	€141k	better than 70% of 144 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P34

Weakening position over 2020-2025 · n=53-556

Net result P95

Improving position over 2020-2025 · n=53-556

Equity P61

Improving position over 2020-2025 · n=53-556

Gross operating margin P91

Improving position over 2020-2025 · n=53-556

Describes the position versus peers, not a forecast.

Revenue

€137k

+1.4% 19-25

EBITDA

€189k

+187.4% 19-25

Net profit

€126k

+265.0% 19-25

Cash flow

€140k

+165.5% 19-25

Total assets

€283k

+123.6% 19-25

Equity

€93k

+60.8% 19-25

Working capital

€-40k

-1340.7% 19-25

Income taxes

€45k

+255.3% 19-25

Dividends

€91k

+101.4% 19-25

Debt

€190k

+176.4% 19-25

Debt ≤ 1y

€185k

+179.5% 19-25

Debt > 1y

€3k

-54.2% 19-25

Current ratio

0.79

-18.1% 19-25

Quick ratio

0.79

-18.1% 19-25

Solvency

32.8%

-28.1% 19-25

Debt / equity

2.05

+71.9% 19-25

ROE

135.2%

+127.0% 19-25

ROA

44.4%

+63.2% 19-25

Net margin

33.7%

+41.2% 19-25

EBITDA margin

55.3%

+35.1% 19-25

Interest coverage

48.86

-77.2% 19-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€189k
Net profit	€126k
Cash flow	€140k
Staff costs	-
Income taxes	€45k
Dividends	€91k
Total assets	€283k
Equity	€93k
Debt	€190k
of which ≤ 1y	€185k
of which > 1y	-
Working capital	€-40k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	0.79
Quick ratio	0.79
Working capital ratio	-14.0%
Solvency	32.8%
Debt / equity	2.05
Long-term debt ratio	-
Interest coverage	48.86
Gross margin	-
Net margin	-
ROA	44.4%
ROE	135.2%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €138k · 48.7% Current assets €145k · 51.3%

Equity & liabilities

Equity €93k · 32.8% Debt €190k · 67.2%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€283k
Fixed assets	21/28	€138k
Tangible fixed assets	22/27	€88k
Financial fixed assets	28	€50k
Current assets	29/58	€145k
Amounts receivable within one year	40/41	€50k
Cash & bank	54/58	€92k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€283k
Equity	10/15	€93k
Contributions / capital	10/11	€19k
Reserves	13	€67k
Accumulated profits (losses)	14	€8k
Amounts payable	17/49	€190k
Amounts payable within one year	42/48	€185k
Trade debts payable within one year	44	€6k
Income statement
Gross operating margin	9900	€191k
Operating result	9901	€175k
Financial income	75	€6
Financial charges	65	€4k
Result before taxes	9903	€171k
Income taxes	67/77	€45k
Net result for the period	9904	€126k
Result to be appropriated	9905	€126k

This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

66 / 100 Healthy

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Directors

Directors & mandates

1 director

Current directors & mandates

CONSTANTIN Tim
Director
State Gazette act 21346225 (26-07-2021)

Current
26-07-2021 → present
2 events
- 26-07-2021 Resigned· Manager
- 26-07-2021 Appointed· Director

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary	Veterinaire diensten(75000)
Legal form	Private limited company(610)
Incorporation	12-04-2019
Status	Active
Postal code	5353

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

3 companies at this address See who is registered here

Establishment units

1 location

FC Vet

Rue de la Haie de Claire 5, 5353 OheyVeterinaire diensten

since 20192.289.142.491

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area894 m²

Buildings1

Building footprint101 m²

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
92055C0001/00S002	Wallonia	894 m²	1 · 101 m²	-

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

4 acts

Address history · 1

08-05-2026

Seat change: new: Rue de la haie Claire 5 à 5353 GOESNES, old: Rue du Pilori 77J à 5353 OHEY

All acts · 4 updated 3 months ago

2026

08-05-2026 General meeting · Seat change · Officer appointment · Act object Open-capture extraction

Filing: 2026-04-27 · FC VET
General meeting: 2026-03-04 · FC VET
Seat change: new: Rue de la haie Claire 5 à 5353 GOESNES, old: Rue du Pilori 77J à 5353 OHEY · FC VET
Officer appointment: role: Administrateur · Tim CONSTANTIN
Publication: 2026-05-08
Act object: Modification de l'adresse du siège social suite au changement communal