Equity
€68,712 from €158,928 in 2022
Equity fell by 57% in 3 years.
FD-SOLUTIONS
Lifetime
17 annual accounts with figures on one time axispeak €85,909 (2012)
-€22,793▼ €32,980
lowest -€73,123 (2016)
-€25,560▼ €17,555
peak €158,928 (2022)
€68,712▼ 27.1%
€18,405▼ 35.7%
Board1 name since 2008
1 directorGOOS Jochen
Documentsfilings and deeds
13-07-202618 days before the deadline
2025micro format
Gross margin from €10,187 to -€22,793Loss of €25,560Equity from €94,272 to €68,712Debts from €28,615 to €18,405Cash from €94,587 to €60,568
Key points
from the 2025 annual accountsLosses
-€90,216 in three years
Every financial year from 2023 to 2025 closed with a loss. 2023 was the heaviest.
Position in the sector
-€25,560
Lower net result than 95% of companies in computer programming and consultancy. Sector median €28,568 · 21,212 companies.
Turnover not published (micro format)
Checked score
94
Excellent
Financially stronger than 48% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,932 companies (NACE 62, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%highest value
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026lowest value
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Loss of €25,560, the second in a row (financial year 2025)
lowers risk
Liquidity: current ratio 3.42, cash €60,568
Size: total assets €87,117
Sector: Computer programming, consultancy and related activities (NACE 62)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro). It does better than 85% of them on solvency, 82% on liquidity, 5% on profitability and 22% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 4,805 companies had the same profile as FD-SOLUTIONS has now. Each dot stands for 13 companies, two years later.
88.1%
were still trading
9.8%
stopped another way
2.0%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of FD-SOLUTIONS itself is lower: < 0.1% within 12 months. It rests on far more data about FD-SOLUTIONS than the profile alone.
Test of the method
The method was tested on the 497,447 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 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
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 4,805 companies, not a prediction for FD-SOLUTIONS. 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 of up to €6,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.42 (3.4 in 2024), above the usual 1.5. Short-term debt is 21.1% and cash 69.5% of total assets. 21.1% of the assets are financed with debt and provisions.
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
Six signals.
lowers riskraises riskneutral
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€25,560
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 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 days early
2024
27 days early
2023
28 days late
2022
25 days early
2021
23 days late
2020
277 days late
2019
68 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 47 days after the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 13 July (4 of the last 5 accounts filed within 41 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0808224685
Appointment: GOOS Jochen (director)
General meeting of 14-07-2023 · Gazette deed
Incorporation
published on 15-12-2008 · Gazette deed
First establishment
Kraaibornstraat 75, Tongeren-Borgloon
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| FD-SOLUTIONS Tongeren-Borgloon | €87,117 | -€22,793 | 78.9% | - |
| HEADS_UP Lanaken | €101,950 | -€11,222 | 94.7% | - |
| LESTO Heusden-Zolder | €74,749 | -€31,269 | -17.1% | - |
| SYPEK CONSULTANCY & TRADING Lochristi | €91,397 | -€24,170 | 98.3% | - |
| FRANCART ET ASSOCIES Namur | €88,297 | -€4,294 | -338.9% | - |
| Cronos Interactive Kontich | €80,083 | -€37,115 | -4877.7% | - |
| PIXXAN Auderghem | €93,793 | -€593 | 36.5% | - |
These companies have the same main activity as FD-SOLUTIONS: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €74,700 and €102,000, founded between 2007 and 2009.
Official details
Source: KBO- Status
- Active since 04-12-2008Normal situation
- Activity
- Computer consultancy and computer facilities managementNACE 62200and 1 other
- Establishment unit
- 2.175.097.0193700 Tongeren-Borgloon, since 04-12-2008
- Financial year end
- 31 December
- Peppol
- Reachable since 28-08-2023
Annual accounts 2025
- €87,117▼ 29.1%
- Filing
- Filed on 13-07-2026, 18 days before the end of the filing period
Insights on FD-SOLUTIONS
FD-SOLUTIONS files the micro format. That format states no turnover. The gross margin fell from €41,154 in 2009 to -€22,793 in 2025.
The balance sheet grew most from 2019 to 2021 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about FD-SOLUTIONS
- What is the company number of FD-SOLUTIONS?
- The company number of FD-SOLUTIONS is 0808.224.685. The VAT number is the same number with BE in front: BE 0808.224.685.
- Where is FD-SOLUTIONS based?
- The registered office is at Kraaibornstraat 75, 3700 Tongeren-Borgloon.Company details
- What does FD-SOLUTIONS do?
- According to the KBO register, the main activity is computer consultancy and computer facilities management (NACE 62200).
- What is the legal form of FD-SOLUTIONS?
- FD-SOLUTIONS is a private limited company (BV).
- When was FD-SOLUTIONS founded?
- FD-SOLUTIONS was founded on 04-12-2008.
- Is FD-SOLUTIONS still active?
- Yes, FD-SOLUTIONS is an active enterprise in the KBO register.
- What is the turnover of FD-SOLUTIONS?
- The annual accounts for financial year 2025 state no turnover. The micro format does not require it.Financials
- Is FD-SOLUTIONS profitable?
- In financial year 2025, FD-SOLUTIONS made a loss of €25,560.
- Where can I find the annual accounts of FD-SOLUTIONS?
- FD-SOLUTIONS filed 17 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of FD-SOLUTIONS due?
- FD-SOLUTIONS must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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