FD3A · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of FD3A is 0.2% (very low). The 2022 annual accounts show equity of €29k and a net result of €28k. Its solvency ranks better than 94% of 173 sector peers (fiscal year 2022). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Signals

Insufficient current data: the most recent filed accounts (financial year 2022) are too old to derive current signals.

Filing behaviour

From the deposit records, complete market-wide

Filed after the deadline

The financial year that closed on 31-12-2022 was due by 31-07-2023 and was filed on 26-08-2023, 26 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

How we compute the deadline

There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. 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 31-12-2022, that is 31-07-2023.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2022	31-07-2023	26-08-2023	26 d late	2023-00356782

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

Established

Founded in 2012, 13 years in business.

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

0.2% Very low

0%0,5%1,5%4%10%≥25%

Lower-risk legal form −Annual accounts: weaker financial profile +Lower-failure-rate sector −

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

Financials

Turnover€80k

EBIT margin34.4%

Net result€28k

Working capital€29k

CSV export

Annual accounts & ratios

Source: NBB · 2022

Annual accounts filed on 26-08-2023 with the NBB · fiscal year 2022 · micro

Sector comparison

Fiscal year 2022 · NACE 58 · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	93.1%	48.3%	better than 94% of 173 sector peers
Net result	€28k	€7k	better than 75% of 173 sector peers
Equity	€29k	€24k	better than 55% of 173 sector peers
Gross operating margin	€28k	€19k	better than 60% of 173 sector peers
Total assets	€31k	€72k	better than 27% of 173 sector peers

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

Highlight YoY changes (±10%)

Fiscal year	2022
Deposit	micro
Revenue	€80k
EBITDA	-
Net profit	€28k
Cash flow	-
Staff costs	-
Income taxes	-
Dividends	-
Total assets	€31k
Equity	€29k
Debt	€2k
of which ≤ 1y	€2k
of which > 1y	-
Working capital	€29k
Employees (FTE)	-

Ratios (computed)

	2022
Current ratio	14.49
Quick ratio	14.49
Working capital ratio	93.1%
Solvency	93.1%
Debt / equity	0.07
Long-term debt ratio	-
Interest coverage	-
Gross margin	34.6%
Net margin	35.3%
ROA	90.5%
ROE	97.2%
EBITDA margin	-
Days sales outstanding	12d
Days payable outstanding	8d
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2022

Equity & liabilities

Equity €29k · 93.1% Debt €2k · 6.9%

Full annual accounts

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

Line item	Code	2022
Balance sheet, Assets
TOTAL ASSETS	20/58	€31k
Current assets	29/58	€31k
Amounts receivable within one year	40/41	€8k
Cash & bank	54/58	€23k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€31k
Equity	10/15	€29k
Contributions / capital	10/11	€800
Accumulated profits (losses)	14	€28k
Amounts payable	17/49	€2k
Amounts payable within one year	42/48	€2k
Trade debts payable within one year	44	€1k
Income statement
Turnover	70	€80k
Gross operating margin	9900	€28k
Operating result	9901	€27k
Financial income	75	€2k
Financial charges	65	€2k
Result before taxes	9903	€28k
Net result for the period	9904	€28k
Result to be appropriated	9905	€28k

Ratios computed by Checked.

Health barometer

FY 2022 · computed

85 / 100 Excellent

050100

Computed from 3 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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Computed by Checked from the NBB filing for FY 2022. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Briscol 76997 Erezée

Establishment units

1 location

Rue de la Grande Veine 56, 7370 Dour

Uitgeven van boeken

since 20122.214.453.184

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

Parcels2

Ground area4,479 m²

Buildings2

Building footprint288 m²

Volume (LiDAR)724 m³

Tallest building7.9 m · ±2 fl.

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 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
83013D0316/00S000	Wallonia	3,563 m²	1 · 169 m²	-
53021B1143/00G003	Wallonia	916 m²	1 · 119 m²	7.9 m · 2 fl.

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 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

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes

92 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 85

Profitability 100

Solvency 100

Growth -

Stability 85

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