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FD3M BE

Active
Private limited companyfounded 20251 yr activeIJzerenpoortkaai 3, 2000 Antwerpen, BelgiumKBO/BCE: BE 1021.378.722
Summary

The computed 12-month bankruptcy probability of FD3M BE is 1.8% (moderate). The 2025 annual accounts show negative equity (-€10,974) and a net result of -€10,974. Its solvency ranks better than 8% of 8115 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes
Profitability0
Solvency0
Growth-
Track record67
Bankruptcy probability, 12 months
1.8% Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.2; short-term debt: 135.3% of total assets), and equity is negative.
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Signals

Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
-35.3%
Return on assets
-35.3%
Age of the figures
9 mo
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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.
NBB · 1 filing
Deviation from the deadline
2025
31 d late
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · 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

History

FD3M BE was incorporated on 24 March 2025 as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, abbreviated schema

Equity
-€10,974
Total assets
€31,073
Net result
-€10,974
Working capital
-€33,591

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

Key figures and ratios
2025 value
EBITDA
-€7,570
Cash flow
-€7,570
Solvency
-35.3%
Current ratio
0.20
Debt to equity
-3.83
ROA
-35.3%
Debt
€42,047
Debt ≤ 1 year
€42,047

Peer companies

Historical observation

Of the 1,323 companies that looked in July 2024 the way this one looks now, 3.6% went bankrupt within 24 months and 90% are still going.

  • Micro
  • under 2 years old
  • negative equity
  • a loss of 10% of the balance sheet or more
3.6% went bankrupt
5.6% stopped otherwise
90% still going

A further 0.5% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 1.8% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 1,323 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 21 lines
Balance sheet Code2025
Assets
Total assets20/58€31,073
Formation expenses20€22,617
Current assets29/58€8,456
Amounts receivable within one year40/41€8,456
Trade receivables40€932
Other amounts receivable41€7,524
Equity and liabilities
Total equity and liabilities10/49€31,073
Equity10/15-€10,974
Profit (loss) carried forward14-€10,974
Amounts payable17/49€42,047
Amounts payable within one year42/48€42,047
Trade debts44€9,579
Suppliers440/4€9,579
Other amounts payable47/48€32,468
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3,404
Gross operating margin9900-€7,570
Operating profit (loss)9901-€10,974
Profit (loss) for the period before taxes9903-€10,974
Profit (loss) for the period9904-€10,974
Profit (loss) for the period to be appropriated9905-€10,974
Appropriation of the result
Profit (loss) to be appropriated9906-€10,974
Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3,404
Gross operating margin9900-€7,570
Operating profit (loss)9901-€10,974
Profit (loss) for the period before taxes9903-€10,974
Profit (loss) for the period9904-€10,974
Profit (loss) for the period to be appropriated9905-€10,974
Line2025
Assets
Total assets20/58€31,073
Formation expenses20€22,617
Current assets29/58€8,456
Amounts receivable within one year40/41€8,456
Trade receivables40€932
Other amounts receivable41€7,524
Equity and liabilities
Total equity and liabilities10/49€31,073
Equity10/15-€10,974
Profit (loss) carried forward14-€10,974
Amounts payable17/49€42,047
Amounts payable within one year42/48€42,047
Trade debts44€9,579
Suppliers440/4€9,579
Other amounts payable47/48€32,468
Line2025
Profit (loss) for the period9904-€10,974
+ Depreciation and write-downs630€3,404
Operating cash flow (approximation)-€7,570

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
31-08
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
1 act for this company is 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, Antwerpen · 1 establishment unit since 2025
seat establishment The establishment unit on the map
Ground area
449 m²
Building footprint
438 m²
Volume, LiDAR
4,844 m³
Parcel 11811L3958/00T000, Flanders · tallest building 20.1 m, ±5 floors. Linked by address, not a title deed.
108 companies at this address See who is registered here
1 establishment unit
FD3M BE
IJzerenpoortkaai 3, 2000 AntwerpenWholesale of diamonds and other precious stones
since 20252.373.325.328
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11811L3958/00T000 Flanders 449 m² 1 · 438 m² 20.1 m · 5 fl.
Linked by address, not proof of ownership
Good to know
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 and region

This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 1,230 companies in sector 46861 we hold annual accounts for 685. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded24-03-2025
Fiscal year end31-12
Activities, NACEBEL 2025
46861Wholesale of diamonds and other precious stones
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

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Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

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Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.