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FDFG Conseils

Active
Private limited companyfounded 200323 yrs activeRue de Battice 28, 4800 Verviers, BelgiumKBO/BCE: BE 0480.076.655
Summary

FDFG Conseils has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €44,011 and a net result of €165,631. Equity is shrinking by ~18.5% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 30% of 1030 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Overview

Activity
Certified accountants and tax accountants
NACE 69201NACE 74122
1 site
Size
€377,487total assets 2025
Staff
2 FTE
Equity
€44,011
Profit
€165,631
Financial health
91 Excellent Checked score 2025
Bankruptcy chance 12 m
0.1%
Structure
Largest shareholder
Downstream · 25%
Accounts 109 d early0 of 2 deeds read
Why 91- Equity €44,011 (11.7% of total assets)+ Sector Legal and accounting activities (NACE 69)+ Liquidity: current ratio 1.00, cash €81,087+ Figures for FY 2025 (filed 13-04-2026)Show the evidence

Checked score

Score 2025
91 / 100
Excellent
Probability in this band: under 0.55%
Better than 30% of its sector peers (NACE 69, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Average
Solvency 37-6
equity 11.7% of total assets
Liquidity 31-20
short-term debt 83.3% · cash 21.5%
Profitability 100=
return on assets 43.9%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median < 0.1% (19,732 companies)
Last 15 months 08-2025: < 0.1%lowest value 09-2025: < 0.1%● 0.0% vs 08-2025lowest value 10-2025: < 0.1%● 0.0% vs 09-2025lowest value 11-2025: < 0.1%● 0.0% vs 10-2025lowest value 12-2025: < 0.1%● 0.0% vs 11-2025lowest value 01-2026: < 0.1%● 0.0% vs 12-2025lowest value 02-2026: < 0.1%● 0.0% vs 01-2026lowest value 03-2026: < 0.1%▲ +4.2% vs 02-2026 04-2026: 0.1%▲ +8.0% vs 03-2026 05-2026: 0.1%▲ +46.3% vs 04-2026highest value 06-2026: 0.1%● 0.0% vs 05-2026highest value 07-2026: 0.1%● 0.0% vs 06-2026highest value 08-2026: 0.1%● 0.0% vs 07-2026highest value 09-2026: 0.1%● 0.0% vs 08-2026highest value 10-2026: 0.1%● 0.0% vs 09-2026highest value
  • Sector Legal and accounting activities (NACE 69) lowers the probability
  • Equity €44,011 (11.7% of total assets) raises the probability
  • Liquidity: current ratio 1.00, cash €81,087 lowers the probability
  • Figures for FY 2025 (filed 13-04-2026) lowers the probability
Credit up to €4,000 at 30 days acceptable
Liquidity short (current ratio 1.0 against 1.07 in 2024; short-term debt: 83.3% and cash: 21.5% of total assets), and 88.3% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 69, micro). Better than this share of them on solvency 16%, liquidity 9%, profitability 82%, growth against the median 12%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Sector Legal and accounting activities (NACE 69)
In the bankruptcy model this factor lowers the probability.
KBO
raises risk · Equity €44,011 (11.7% of total assets)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Liquidity: current ratio 1.00, cash €81,087
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Figures for FY 2025 (filed 13-04-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
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 13-04-2026, 109 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
109 d early
2024
108 d early
2023
61 d early
2022
11 d early
2021
11 d early
2020
18 d late
2019
24 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 37 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

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. Usually files around 1 June (5 of the last 5 filed years within 49 days of that day).
Companies Code · seven months
Position in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
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
  1. Annual accounts filedfiscal year 2025 · full…
  2. Annual accounts filedfiscal year 2024 · full…
  3. Highest result since 2018net €185,895 ▲64.1%

Key points

  • Positive: 8 profitable years in a rowprofit 2025: €165,631 8 years View
  • Positive: Always filed on timeaccounts within the deadline every year 5 years View
  • Total assets 20256 fiscal years filed €377,487 View

By topic

Financials

Fiscal year
2025
Total assets
€377,487
Profit
€165,631
Solvency
11.7%
Total assets▼ 8.0%
Net result
20182025
Go to Financials

Timeline

Events
12
Since
2017
Next accounts
by 31-07-2027
  1. 13-04-2026Annual accounts filed
  2. 14-04-2025Annual accounts filed
  3. 31-12-2024Highest result since 2018
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Certified accountants and tax accountantsNACE 69201
Founded
23-04-2003
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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