FD BIKES
ActiveFD BIKES has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €174k and a net result of €45k. Equity is growing by ~17.8% per year across the filed fiscal years. Its solvency ranks better than 41% of 10289 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability68▲+38
Solvency54▲+7
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity tight (current ratio 1.41 against 1.28 in 2024; short-term debt: 59.6% and cash: 12.4% of total assets), and 70.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
29.3%
Return on assets
7.6%
Age of the figures
9 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
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
27 d late
2023
37 d early
2022
17 d late
2021
34 d early
2020
27 d late
2019
31 d late
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€174k▲ 35.3%
2024 · €128k
2018: €39k
2019: €53k
2020: €67k
2021: €86k
2022: €107k
2023: €123k
2024: €128k
2018 → 2025
Total assets
€593k▲ 1.1%
2024 · €587k
2018: €257k
2019: €321k
2020: €420k
2021: €419k
2022: €665k
2023: €668k
2024: €587k
2018 → 2025
Net result
€45k▲ 690%
2024 · €6k
2018: €9k
2019: €13k
2020: €14k
2021: €20k
2022: €21k
2023: €16k
2024: €6k
2018 → 2025
Working capital
€146k▲ 15.8%
2024 · €126k
2018: €38k
2019: €49k
2020: €102k
2021: €107k
2022: €105k
2023: €114k
2024: €126k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€86k-€107k▲ 24.0%€123k▲ 14.5%€128k▲ 4.7%€174k▲ 35.3%
Operating result€30k-€27k▼ 10.4%€31k▲ 14.5%€18k▼ 40.7%€61k▲ 233%
Net result€20k-€21k▲ 4.3%€16k▼ 25.1%€6k▼ 63.1%€45k▲ 690%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 233% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €593k
Fixed assets
€93k▲ 4,098%
Current assets
€500k▼ 14.5%
Equity and liabilities €593k
Equity
€174k▲ 35.3%
Debt
€419k▼ 8.5%
The debt ratio falls from 78.1% to 70.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€79k▲
2024 · €19k
Cash flow
€63k▲
2024 · €7k
Solvency
29.3%▲
2024 · 21.9%
Current ratio
1.41▲
2024 · 1.28
Quick ratio
0.33▼
2024 · 0.36
Debt / equity
2.41▼
2024 · 3.57
ROE
26.1%▲
2024 · 4.5%
ROA
7.6%▲
2024 · 1.0%
Interest coverage
4.75▲
2024 · 1.15
Debt
€419k▼
2024 · €458k
Debt ≤ 1 year
€353k▼
2024 · €458k
Debt > 1 year
€66k▲
2024 · €0
Income taxes
€8k▲
2024 · €3k
Staff costs
€9k
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€587k€593k▲
Fixed assets21/28€2k€93k▲
Intangible fixed assets21€2k€1k▼
Tangible fixed assets22/27€0€92k▲
Plant, machinery and equipment23-€1k
Furniture and vehicles24€0-
Other tangible fixed assets26-€91k
Current assets29/58€584k€500k▼
Stocks and contracts in progress3€421k€383k▼
Stocks30/36€421k€383k▼
Amounts receivable within one year40/41€55k€43k▼
Trade receivables40€55k€43k▼
Cash at bank and in hand54/58€105k€73k▼
Deferred charges and accrued income490/1€3k€461▼
Equity and liabilities
Total equity and liabilities10/49€587k€593k▲
Equity10/15€128k€174k▲
Contributions10/11€50k€50k=
Reserves13€78k€124k▲
Distributable reserves133€78k€124k▲
Profit (loss) carried forward14€692€48▼
Amounts payable17/49€458k€419k▼
Amounts payable after more than one year17€0€66k▲
Financial debts170/4€0€66k▲
Amounts payable within one year42/48€458k€353k▼
Current portion of amounts payable after more than one year42€0€18k▲
Financial debts43€230k€170k▼
Credit institutions430/8€230k€170k▼
Trade debts44€107k€57k▼
Suppliers440/4€107k€57k▼
Taxes, remuneration and social security45€35k€27k▼
Taxes450/3€35k€27k▼
Other amounts payable47/48€87k€81k▼
Income statement
Code20242025
Non-recurring operating income76A€3k€652▼
Remuneration, social security and pensions62-€9k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€18k▲
Other operating charges640/8€5k€3k▼
Gross operating margin9900€24k€91k▲
Operating profit (loss)9901€18k€61k▲
Financial income75/76B€7k€9k▲
Recurring financial income75€7k€9k▲
Financial charges65/66B€17k€17k▼
Recurring financial charges65€17k€17k▼
Profit (loss) for the period before taxes9903€8k€53k▲
Income taxes67/77€3k€8k▲
Profit (loss) for the period9904€6k€45k▲
Profit (loss) for the period to be appropriated9905€6k€45k▲
Appropriation of the result
Profit (loss) to be appropriated9906€8k€46k▲
Profit (loss) brought forward from the previous period14P€2k€692▼
Transfer to equity691/2€7k€46k▲
To other reserves6921€7k€46k▲
Social balance
Average headcount (FTE)9087-0.5
The notes to these accounts (19 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €45k ▲690%
Operating result €61k, net result €45k, both a record.
31-12
Financial
Equity above €150kEq €174k ▲35.3%
8 profitable years in a row build equity to €174k.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Weakest financial yearnet €6k ▼63.1%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
17-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
2022
31-12
Financial
Equity above €100kEq €107k ▲24%
5 profitable years in a row build equity to €107k.
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 14 days late
2018
12-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Brecht · 1 establishment unit since 2010
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.
Ringlaan 232960 BrechtGround area
7,947 m²
Building footprint
1,047 m²
Volume, LiDAR
1 m³
Parcel 11333D0783/00N002, Flanders · tallest building 0.1 m. Linked by address, not a title deed.
1 establishment unit
FD BIKES
since 20102.192.471.204
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11333D0783/00N002 | Flanders | 7,947 m² | 1 · 1,047 m² | 0.1 m |
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
FIETSEN MB
BE 0630.670.442
Mortsel · Eq €174k
Fietsen Geert
BE 0764.635.063
Lede · Eq €175k
BIKELIFE
BE 0642.870.765
Beersel · Eq €173k
SDL-Services
BE 0840.246.761
Huldenberg · Eq €176k
JOMI TRADING
BE 0889.893.539
Sint-Truiden · Eq €171k
Of 1,467 companies in sector 47632 we hold annual accounts for 733. 640 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-09-2010
Fiscal year end31-12
Activities, NACEBEL
47632Retail sale of bicycles
47785Retail trade
46495Wholesale trade
46496Wholesale trade
47639Retail sale of other sporting goods
47640Retail trade
95290Repair and maintenance of other personal and household goods
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.