FD GROUP

Active

Private limited companyfounded 20233 yrs activeEdward Stuckensstraat 113, 1140 Evere, BelgiumKBO/BCE: BE 0801.325.908

The computed 12-month bankruptcy probability of FD GROUP is 4.9% (elevated). The 2024 annual accounts show equity of €33k and a net result of €12k. Its solvency ranks better than 95% of 36375 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

59 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. An elevated bankruptcy probability caps the score. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability100=

Solvency100▲+18

Growth52

Track record94

Bankruptcy probability, 12 months

4.9% Elevated

0%0.5%1.5%4%10%≥ 25%

Credit up to €1.5k at 30 days only on tighter terms

Liquidity ample (current ratio 10.34 against 2.04 in 2023; short-term debt: 8.7% and cash: 67.5% of total assets), and 8.7% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 43

Relative position

BE, all sectors

reference

Sector 43

higher

← fewer bankruptcies more bankruptcies →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 16-06-2025, 45 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

not confirmed

2024

45 d early

2023

32 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€33k▲ 58.8%

2023 · €21k

2023: €21k

2023 → 2024

Total assets

€36k▼ 0.5%

2023 · €37k

2023: €37k

2023 → 2024

Net result

€12k▼ 22.8%

2023 · €16k

2023: €16k

2023 → 2024

Working capital

€29k▲ 80.4%

2023 · €16k

2023: €16k

2023 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20232024Trend

Equity€21k-€33k▲ 58.8%

Operating result€22k-€14k▼ 36.5%

Net result€16k-€12k▼ 22.8%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2024; 2024 is 36% below 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €36k

11%

89.4%

Fixed assets €4k▼ 17.1%

Current assets €33k▲ 1.9%

Equity and liabilities €36k

91.3%

Equity €33k▲ 58.8%

Debt €3k▼ 79.9%

The debt ratio falls from 42.8% to 8.7%. Equity is higher and debt is lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€16k▼

2023 · €22k

Cash flow

€14k▼

2023 · €16k

Solvency

91.3%▲

2023 · 57.2%

Current ratio

10.34▲

2023 · 2.04

Quick ratio

10.34▲

2023 · 2.04

Debt / equity

0.09▼

2023 · 0.75

ROE

37.0%▼

2023 · 76.1%

ROA

33.8%▼

2023 · 43.6%

Interest coverage

181.32▼

2023 · 632.95

Debt

€3k▼

2023 · €16k

Debt ≤ 1 year

€3k▼

2023 · €16k

Income taxes

€1k▼

2023 · €6k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€37k€36k▼

Fixed assets21/28€5k€4k▼

Tangible fixed assets22/27€5k€4k▼

Plant, machinery and equipment23-€871

Furniture and vehicles24€5k€3k▼

Current assets29/58€32k€33k▲

Amounts receivable within one year40/41€8k€8k▼

Trade receivables40€8k€7k▼

Other amounts receivable41€505€507▲

Cash at bank and in hand54/58€23k€25k▲

Deferred charges and accrued income490/1€372€432▲

Equity and liabilities

Total equity and liabilities10/49€37k€36k▼

Equity10/15€21k€33k▲

Contributions10/11€5k€5k=

Profit (loss) carried forward14€16k€28k▲

Amounts payable17/49€16k€3k▼

Amounts payable within one year42/48€16k€3k▼

Trade debts44€218€249▲

Suppliers440/4€218€249▲

Taxes, remuneration and social security45€6k€3k▼

Taxes450/3€6k€3k▼

Other amounts payable47/48€10k-

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€356€2k▲

Other operating charges640/8€790€340▼

Gross operating margin9900€23k€16k▼

Operating profit (loss)9901€22k€14k▼

Financial charges65/66B€35€87▲

Recurring financial charges65€35€87▲

Profit (loss) for the period before taxes9903€22k€14k▼

Income taxes67/77€6k€1k▼

Profit (loss) for the period9904€16k€12k▼

Profit (loss) for the period to be appropriated9905€16k€12k▼

Appropriation of the result

Profit (loss) to be appropriated9906€16k€28k▲

Profit (loss) brought forward from the previous period14P-€16k

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 3Financial 1Filings 2

2025

16-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Liquidity times 5current ratio 10.34

Current ratio from 2.04 to 10.34; short-term debt falls from €16k to €3k.

01-09

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 32 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

2 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, Evere · 1 establishment unit since 2023

establishment The establishment unit on the map

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.

Edward Stuckensstraat 1131140 Evere

Ground area

92 m²

Building footprint

60 m²

Volume, LiDAR

340 m³

Parcel 21006A0149/00X000, Brussels · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

FD GROUP

Edward Stuckensstraat 113, 1140 EvereSpecialised construction activities

since 20232.344.560.274

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21006A0149/00X000	Brussels	91 m²	1 · 60 m²	9.7 m · 2 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

WARNIER LONNOY SABLAGE

BE 0811.094.105

Limbourg · Eq €33k

Of 4,265 companies in sector 43230 we hold annual accounts for 1,239. 970 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded02-05-2023

Fiscal year end31-12

Activities, NACEBEL

43230Insulation installation

43291Specialised construction activities

43211General electrical installation work

43221Plumbing work

43222Installation of electric heating, air conditioning, cooling and ventilation

Sources

Crossroads Bank for EnterprisesNational Bank · 2 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.