FDBio
ActiveSummary
The computed 12-month bankruptcy probability of FDBio is 2.2% (moderate). The 2025 annual accounts show negative equity (€-29k) and a net result of €8k. Equity is growing by ~19.3% per year across the filed fiscal years. Its solvency ranks better than 20% of 18400 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability63▼-15
Solvency21▲+1
Growth78=
Track record94
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity tight (current ratio 1.12 against 1.15 in 2024; short-term debt: 46.9% and cash: 26.3% of total assets), and equity is negative.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 18400 sector peers (2025).
NBB · sector comparisonPosition among 18400 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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 · 4 filingsDeviation from the deadline
2025
30 d late
2024
29 d late
2023
30 d late
2022
31 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€8k▼ 83.6%
2024 · €49k
2022: €-180klowest in 4 years
2023: €-31k▲ +82.8% vs 2022
2024: €49k▲ +258% vs 2023highest in 4 years
2025: €8k▼ -83.6% vs 2024
2022 → 2025
Working capital
€35k▼ 11.2%
2024 · €40k
2022: €51khighest in 4 years
2023: €5k▼ -91.2% vs 2022lowest in 4 years
2024: €40k▲ +777% vs 2023
2025: €35k▼ -11.2% vs 2024
2022 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€-54k-€-86k▼ 57.1%€-37k▲ 57.3%€-29k▲ 22.0%
2022: €-54k
2023: €-86k▼ -57.1% vs 2022lowest in 4 years
2024: €-37k▲ +57.3% vs 2023
2025: €-29k▲ +22.0% vs 2024highest in 4 years
Operating result€-158k-€-9k▲ 94.5%€67k€24k▼ 64.0%
2022: €-158klowest in 4 years
2023: €-9k▲ +94.5% vs 2022
2024: €67k▲ +879% vs 2023highest in 4 years
2025: €24k▼ -64.0% vs 2024
Net result€-180k-€-31k▲ 82.8%€49k€8k▼ 83.6%
2022: €-180klowest in 4 years
2023: €-31k▲ +82.8% vs 2022
2024: €49k▲ +258% vs 2023highest in 4 years
2025: €8k▼ -83.6% vs 2024
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 64% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €641k
Fixed assets
€305k ▼ 17.4%
Current assets
€336k ▲ 12.0%
Key figures and ratios
EBITDA
€92k▼
2024 · €133k
Cash flow
€76k▼
2024 · €115k
Solvency
-4.4%▲
2024 · -5.5%
Current ratio
1.12▼
2024 · 1.15
Quick ratio
0.63▼
2024 · 0.68
Debt to equity
-23.48▼
2024 · -19.32
ROA
1.3%▼
2024 · 7.3%
Interest coverage
5.14▼
2024 · 6.83
Debt
€670k▼
2024 · €706k
Debt ≤ 1 year
€301k▲
2024 · €260k
Debt > 1 year
€369k▼
2024 · €446k
Staff costs
€253k▲
2024 · €203k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€670k€641k▼
Fixed assets21/28€370k€305k▼
Intangible fixed assets21€9k€6k▼
Tangible fixed assets22/27€341k€280k▼
Plant, machinery and equipment23€33k€20k▼
Furniture and vehicles24€177-
Other tangible fixed assets26€308k€260k▼
Financial fixed assets28€20k€20k=
Current assets29/58€300k€336k▲
Stocks and contracts in progress3€122k€146k▲
Stocks30/36€122k€146k▲
Amounts receivable within one year40/41€10k€21k▲
Trade receivables40€2k€13k▲
Other amounts receivable41€7k€8k▲
Cash at bank and in hand54/58€168k€169k▲
Equity and liabilities
Total equity and liabilities10/49€670k€641k▼
Equity10/15€-37k€-29k▲
Contributions10/11€126k€126k=
Profit (loss) carried forward14€-163k€-155k▲
Amounts payable17/49€706k€670k▼
Amounts payable after more than one year17€446k€369k▼
Financial debts170/4€446k€369k▼
Amounts payable within one year42/48€260k€301k▲
Current portion of amounts payable after more than one year42€61k€62k▲
Trade debts44€165k€213k▲
Suppliers440/4€165k€213k▲
Advances received on contracts in progress46€31-
Taxes, remuneration and social security45€33k€25k▼
Taxes450/3€4k€1k▼
Remuneration and social security454/9€29k€24k▼
Other amounts payable47/48€1k€465▼
Income statement
Code20242025
Remuneration, social security and pensions62€203k€253k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€66k€68k▲
Other operating charges640/8€17k€5k▼
Gross operating margin9900€353k€350k▼
Operating profit (loss)9901€67k€24k▼
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€20k€18k▼
Recurring financial charges65€20k€18k▼
Profit (loss) for the period before taxes9903€49k€8k▼
Profit (loss) for the period9904€49k€8k▼
Profit (loss) for the period to be appropriated9905€49k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-163k€-155k▲
Profit (loss) brought forward from the previous period14P€-212k€-163k▲
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €59k | €151k | €203k | €253k | ▲ 24.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €35k | €64k | €66k | €68k | ▲ 2.5% |
| Other operating charges640/8 | €7k | €11k | €17k | €5k | ▼ 71.5% |
| Gross operating margin9900 | €-57k | €217k | €353k | €350k | ▼ 0.8% |
| Operating profit (loss)9901 | €-158k | €-9k | €67k | €24k | ▼ 64.0% |
| Financial income75/76B | €2k | €25 | €1k | €2k | ▲ 22.5% |
| Recurring financial income75 | €2k | €25 | €1k | €2k | ▲ 22.5% |
| Financial charges65/66B | €24k | €23k | €20k | €18k | ▼ 8.2% |
| Recurring financial charges65 | €24k | €23k | €20k | €18k | ▼ 8.2% |
| Profit (loss) for the period before taxes9903 | €-180k | €-31k | €49k | €8k | ▼ 83.6% |
| Profit (loss) for the period9904 | €-180k | €-31k | €49k | €8k | ▼ 83.6% |
| Profit (loss) for the period to be appropriated9905 | €-180k | €-31k | €49k | €8k | ▼ 83.6% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €624k | €664k | €670k | €641k | ▼ 4.3% |
| Fixed assets21/28 | €457k | €420k | €370k | €305k | ▼ 17.4% |
| Intangible fixed assets21 | €9k | €12k | €9k | €6k | ▼ 36.6% |
| Tangible fixed assets22/27 | €428k | €388k | €341k | €280k | ▼ 18.0% |
| Plant, machinery and equipment23 | €51k | €41k | €33k | €20k | ▼ 39.0% |
| Furniture and vehicles24 | €995 | €586 | €177 | - | - |
| Other tangible fixed assets26 | €376k | €346k | €308k | €260k | ▼ 15.6% |
| Financial fixed assets28 | €20k | €20k | €20k | €20k | = |
| Current assets29/58 | €167k | €244k | €300k | €336k | ▲ 12.0% |
| Stocks and contracts in progress3 | €83k | €123k | €122k | €146k | ▲ 20.2% |
| Stocks30/36 | €83k | €123k | €122k | €146k | ▲ 20.2% |
| Amounts receivable within one year40/41 | €17k | €8k | €10k | €21k | ▲ 111% |
| Trade receivables40 | €10k | €4k | €2k | €13k | ▲ 440% |
| Other amounts receivable41 | €7k | €4k | €7k | €8k | ▲ 6.6% |
| Cash at bank and in hand54/58 | €66k | €113k | €168k | €169k | ▲ 0.2% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €624k | €664k | €670k | €641k | ▼ 4.3% |
| Equity10/15 | €-54k | €-86k | €-37k | €-29k | ▲ 22.0% |
| Contributions10/11 | €126k | €126k | €126k | €126k | = |
| Profit (loss) carried forward14 | €-180k | €-212k | €-163k | €-155k | ▲ 4.9% |
| Amounts payable17/49 | €678k | €749k | €706k | €670k | ▼ 5.2% |
| Amounts payable after more than one year17 | €563k | €509k | €446k | €369k | ▼ 17.2% |
| Financial debts170/4 | €563k | €509k | €446k | €369k | ▼ 17.2% |
| Amounts payable within one year42/48 | €116k | €239k | €260k | €301k | ▲ 15.5% |
| Current portion of amounts payable after more than one year42 | €30k | €58k | €61k | €62k | ▲ 1.4% |
| Trade debts44 | €64k | €160k | €165k | €213k | ▲ 29.0% |
| Suppliers440/4 | €64k | €160k | €165k | €213k | ▲ 29.0% |
| Advances received on contracts in progress46 | €9k | €3k | €31 | - | - |
| Taxes, remuneration and social security45 | €11k | €17k | €33k | €25k | ▼ 23.1% |
| Taxes450/3 | €4k | €5k | €4k | €1k | ▼ 64.1% |
| Remuneration and social security454/9 | €7k | €12k | €29k | €24k | ▼ 17.4% |
| Other amounts payable47/48 | €2k | €646 | €1k | €465 | ▼ 64.3% |
| Accrued charges and deferred income492/3 | - | €1k | - | - | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-180k | €-31k | €49k | €8k | ▼ 83.6% |
| + Depreciation and write-downs630 | €35k | €64k | €66k | €68k | ▲ 2.5% |
| Operating cash flow (approximation) | €-146k | €33k | €115k | €76k | ▼ 34.1% |
| Investment in fixed assets (approximation) | - | €-27k | €-16k | €-4k | ▲ 77.5% |
| Change in cash | - | €46k | €56k | €342 | ▼ 99.4% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Back to profitnet €49k
Net result €49k after 2 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Namur · 1 establishment unit since 2022
Ground area
1,204 m²
Building footprint
159 m²
Volume, LiDAR
1,497 m³
Parcel 92108B0387/00Y020, Wallonia · tallest building 10.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Färm.Saint-Servais
since 20222.329.049.479
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92108B0387/00Y020 | Wallonia | 1,203 m² | 1 · 158 m² | 10.7 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteNamur2.329.049.479
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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 10,506 companies in sector 47110 we hold annual accounts for 5,848. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded18-02-2022
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
47279Other retail sale of food
Scores and ratios are computed by Checked and are not a credit decision.