FDH
ActiveSummary
FDH has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €128k and a net result of €23k. Equity is growing by ~30% per year across the filed fiscal years. Its solvency ranks better than 28% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability67▲+42
Solvency52▼-4
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity tight (current ratio 1.28 against 2.2 in 2024; short-term debt: 17.1% and cash: 16.7% of total assets), and 72.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
27.2%
Return on assets
4.9%
Age of the figures
15 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 08-12-2025, 54 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
54 d early
2024
4 d late
2023
1 d early
2022
22 d early
2021
3 d early
2020
2 d early
2019
7 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€128k▼ 4.8%
2024 · €135k
2019: €8k
2020: €37k
2021: €56k
2022: €80k
2023: €141k
2024: €135k
2019 → 2025
Total assets
€471k▲ 9.5%
2024 · €430k
2019: €19k
2020: €58k
2021: €119k
2022: €142k
2023: €165k
2024: €430k
2019 → 2025
Net result
€23k
2024 · €-7k
2019: €2k
2020: €29k
2021: €18k
2022: €54k
2023: €61k
2024: €-7k
2019 → 2025
Working capital
€23k▼ 46.2%
2024 · €42k
2019: €6k
2020: €36k
2021: €48k
2022: €72k
2023: €134k
2024: €42k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€56k-€80k▲ 44.8%€141k▲ 75.7%€135k▼ 4.8%€128k▼ 4.8%
Operating result€25k-€72k▲ 186%€86k▲ 18.4%€-1k€44k
Net result€18k-€54k▲ 199%€61k▲ 13.0%€-7k€23k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €44k after a loss of €1k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €471k
Fixed assets
€368k ▲ 4.2%
Current assets
€103k ▲ 33.5%
Equity and liabilities €471k
Equity
€128k ▼ 4.8%
Debt
€343k ▲ 16.0%
Debt's share of the balance-sheet total rises from 68.7% to 72.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€61k▲
2024 · €6k
Cash flow
€40k▲
2024 · €284
Current ratio
1.28▼
2024 · 2.20
Debt to equity
2.68▲
2024 · 2.20
ROE
17.9%▲
2024 · -5.0%
ROA
4.9%▲
2024 · -1.6%
Interest coverage
5.10▲
2024 · 0.97
Debt ≤ 1 year
€81k▲
2024 · €35k
Debt > 1 year
€262k▲
2024 · €260k
Income taxes
€9k▲
2024 · €203
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€430k€471k▲
Fixed assets21/28€353k€368k▲
Tangible fixed assets22/27€353k€368k▲
Land and buildings22€328k€322k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€19k€41k▲
Other tangible fixed assets26€2k€2k▼
Financial fixed assets28€96-
Current assets29/58€77k€103k▲
Amounts receivable within one year40/41€69k€22k▼
Trade receivables40€65k€22k▼
Other amounts receivable41€3k€653▼
Cash at bank and in hand54/58€7k€78k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€430k€471k▲
Equity10/15€135k€128k▼
Contributions10/11€6k€6k=
Reserves13€133k€122k▼
Distributable reserves133€133k€122k▼
Profit (loss) carried forward14€-5k-
Amounts payable17/49€296k€343k▲
Amounts payable after more than one year17€260k€262k▲
Financial debts170/4€260k€262k▲
Amounts payable within one year42/48€35k€81k▲
Current portion of amounts payable after more than one year42€14k€24k▲
Trade debts44€5k€3k▼
Suppliers440/4€5k€3k▼
Taxes, remuneration and social security45€15k€23k▲
Taxes450/3€15k€17k▲
Remuneration and social security454/9-€6k
Other amounts payable47/48€1k€30k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€17k▲
Other operating charges640/8€44k€2k▼
Gross operating margin9900€50k€63k▲
Operating profit (loss)9901€-1k€44k▲
Financial income75/76B€656€33▼
Recurring financial income75€656€33▼
Financial charges65/66B€6k€12k▲
Recurring financial charges65€6k€12k▲
Profit (loss) for the period before taxes9903€-7k€32k▲
Income taxes67/77€203€9k▲
Profit (loss) for the period9904€-7k€23k▲
Profit (loss) for the period to be appropriated9905€-7k€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-5k€18k▲
Profit (loss) brought forward from the previous period14P€2k€-5k▼
Transfer from equity791/2-€29k
Transfer to equity691/2-€18k
To other reserves6921-€18k
Profit to be distributed694/7-€29k
Return on contributions (dividend)694-€29k
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
08-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
30-06
Financial
Back to profitnet €23k
Net result €23k after one loss-making year.
04-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 4 days late
2024
30-06
Financial
Weakest financial yearnet €-7k ▼111%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Highest result since 2019net €61k ▲13%
Operating result €86k, net result €61k, both a record.
30-06
Financial
Liquidity triplescurrent ratio 6.58
Current ratio from 2.16 to 6.58; short-term debt falls from €62k to €24k.
30-06
Financial
Equity above €100kEq €141k ▲75.7%
5 profitable years in a row build equity to €141k.
09-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
24-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are 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, Dendermonde · 1 establishment unit since 2018
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.
Bookmolenstraat (BAA) 2319200 DendermondeGround area
522 m²
Building footprint
137 m²
Parcel 42002B0960/00K000, Flanders. Linked by address, not a title deed.
1 establishment unit
FDH BVBA
since 20182.274.376.519
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42002B0960/00K000 | Flanders | 522 m² | 1 · 137 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 2 entries · 2,592 EUR awarded · 2,592 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 597 EUR | 597 EUR |
| 2022 | 1 | 1,995 EUR | 1,995 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 40,854 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-03-2018
Fiscal year end30-06
Activities, NACEBEL 2025
70200Business and other management consultancy
43221Plumbing work
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.