FDLB Consult
ActiveSummary
FDLB Consult has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €45,752 and a net result of €54,252. Equity is growing by ~24.4% per year across the filed fiscal years. Its solvency ranks better than 55% of 3505 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency80▲+50
Growth78▲+20
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,500 at 30 days acceptable
Liquidity ample (current ratio 1.53 against 0.82 in 2024; short-term debt: 40% and cash: 31.4% of total assets), and 44.9% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 74
Relative position
BE, all sectors
reference
Other professional, scientific and technical activities (NACE 74)
about 48% fewer bankruptcies
← 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
55.1%
Return on assets
65.4%
Age of the figures
9 mo
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 03-07-2026, 28 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
28 d early
2024
17 d early
2023
22 d early
2022
12 d early
2021
17 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 19 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 38% 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.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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Financials · fiscal year 2025, micro schema
Equity
€45,752▲ 1,207%
2024 · €3,500
Total assets
€82,985▲ 29.0%
2024 · €64,312
Net result
€54,252▲ 90.7%
2024 · €28,443
Working capital
€17,600
2024 · -€9,325
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 74, Other professional, scientific and technical activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€21,363-€9,422▼ 55.9%€14,245▲ 51.2%€40,104▲ 182%€71,182▲ 77.5%
Net result€16,360within the sector's middle half-€6,268within the sector's middle half▼ 61.7%€7,248within the sector's middle half▲ 15.6%€28,443within the sector's middle half▲ 292%€54,252above the sector's middle half▲ 90.7%
Equity€19,860within the sector's middle half-€26,128within the sector's middle half▲ 31.6%€33,376within the sector's middle half▲ 27.7%€3,500below the sector's middle half▼ 89.5%€45,752within the sector's middle half▲ 1,207%
Total assets€51,162within the sector's middle half-€84,248within the sector's middle half▲ 64.7%€77,238within the sector's middle half▼ 8.3%€64,312within the sector's middle half▼ 16.7%€82,985within the sector's middle half▲ 29.0%
Debt€31,302-€58,120▲ 85.7%€43,862▼ 24.5%€60,812▲ 38.6%€37,233▼ 38.8%
Working capital€15,987-€17,720▲ 10.8%€23,413▲ 32.1%-€9,325€17,600
Solvency38.8%within the sector's middle half-31.0%within the sector's middle half▼ 7.8pp43.2%within the sector's middle half▲ 12.2pp5.4%below the sector's middle half▼ 37.8pp55.1%within the sector's middle half▲ 49.7pp
above
within
below
the middle half (P25 to P75) of NACE 74, Other professional, scientific and technical activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 77% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €82,985
Fixed assets
€32,185 ▲ 52.0%
Current assets
€50,800 ▲ 17.8%
Equity and liabilities €82,985
Equity
€45,752 ▲ 1,207%
Debt
€37,233 ▼ 38.8%
Debt's share of the balance-sheet total falls from 94.6% to 44.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€72,508▲
2024 · €40,944
Cash flow
€55,578▲
2024 · €29,283
Current ratio
1.53▲
2024 · 0.82
Debt to equity
0.81▼
2024 · 17.37
ROE
118.6%▼
2024 · 812.7%
ROA
65.4%▲
2024 · 44.2%
Interest coverage
44.32▲
2024 · 11.60
Debt ≤ 1 year
€33,200▼
2024 · €52,456
Debt > 1 year
€3,983▼
2024 · €8,160
Income taxes
€15,380▲
2024 · €9,194
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,964 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.5%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% 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%.
| 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 26,964 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
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | €0 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,469 | €9,753 | €5,627 | €840 | €1,326 | ▲ 57.8% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | €3,665 | €0 | ▼ 100% |
| Other operating charges640/8 | €3,333 | €4,719 | €2,508 | €2,140 | €2,183 | ▲ 2.0% |
| Gross operating margin9900 | €29,165 | €23,894 | €22,380 | €46,749 | €74,691 | ▲ 59.8% |
| Operating profit (loss)9901 | €21,363 | €9,422 | €14,245 | €40,104 | €71,182 | ▲ 77.5% |
| Financial income75/76B | - | €428 | €690 | €1,064 | €87 | ▼ 91.9% |
| Recurring financial income75 | - | €428 | €690 | €1,064 | €87 | ▼ 91.9% |
| Financial charges65/66B | €271 | €464 | €4,129 | €3,530 | €1,636 | ▼ 53.7% |
| Recurring financial charges65 | €271 | €464 | €4,129 | €3,530 | €1,636 | ▼ 53.7% |
| Profit (loss) for the period before taxes9903 | €21,093 | €9,386 | €10,807 | €37,637 | €69,633 | ▲ 85.0% |
| Income taxes67/77 | €4,732 | €3,118 | €3,559 | €9,194 | €15,380 | ▲ 67.3% |
| Profit (loss) for the period9904 | €16,360 | €6,268 | €7,248 | €28,443 | €54,252 | ▲ 90.7% |
| Profit (loss) for the period to be appropriated9905 | €16,360 | €6,268 | €7,248 | €28,443 | €54,252 | ▲ 90.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €51,162 | €84,248 | €77,238 | €64,312 | €82,985 | ▲ 29.0% |
| Formation expenses20 | €331 | - | - | - | - | - |
| Fixed assets21/28 | €11,603 | €29,091 | €23,464 | €21,180 | €32,185 | ▲ 52.0% |
| Tangible fixed assets22/27 | €11,559 | €29,047 | €23,420 | €21,136 | €32,141 | ▲ 52.1% |
| Land and buildings22 | - | €22,455 | €21,795 | €21,136 | €20,476 | ▼ 3.1% |
| Furniture and vehicles24 | €11,559 | €6,592 | €1,624 | €0 | - | - |
| Other tangible fixed assets26 | - | - | - | - | €11,665 | - |
| Financial fixed assets28 | €44 | €44 | €44 | €44 | €44 | = |
| Current assets29/58 | €39,228 | €55,158 | €53,773 | €43,132 | €50,800 | ▲ 17.8% |
| Amounts receivable within one year40/41 | €18,872 | €24,388 | €27,489 | €23,602 | €3,198 | ▼ 86.5% |
| Trade receivables40 | €18,827 | €18,122 | €9,522 | €10,758 | €2,978 | ▼ 72.3% |
| Other amounts receivable41 | €45 | €6,265 | €17,967 | €12,845 | €220 | ▼ 98.3% |
| Cash at bank and in hand54/58 | €18,883 | €27,906 | €23,613 | €16,906 | €26,094 | ▲ 54.3% |
| Deferred charges and accrued income490/1 | €1,473 | €2,864 | €2,672 | €2,623 | €21,509 | ▲ 720% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €51,162 | €84,248 | €77,238 | €64,312 | €82,985 | ▲ 29.0% |
| Equity10/15 | €19,860 | €26,128 | €33,376 | €3,500 | €45,752 | ▲ 1,207% |
| Contributions10/11 | €3,500 | €3,500 | €3,500 | €3,500 | €3,500 | = |
| Profit (loss) carried forward14 | €16,360 | €22,628 | €29,876 | €0 | €42,252 | - |
| Amounts payable17/49 | €31,302 | €58,120 | €43,862 | €60,812 | €37,233 | ▼ 38.8% |
| Amounts payable after more than one year17 | €8,061 | €20,683 | €13,351 | €8,160 | €3,983 | ▼ 51.2% |
| Financial debts170/4 | €8,061 | €20,683 | €13,351 | €8,160 | €3,983 | ▼ 51.2% |
| Amounts payable within one year42/48 | €23,241 | €37,438 | €30,361 | €52,456 | €33,200 | ▼ 36.7% |
| Current portion of amounts payable after more than one year42 | €3,294 | €7,078 | €7,332 | €5,192 | €4,177 | ▼ 19.6% |
| Trade debts44 | €5,598 | €13,343 | €10,857 | €6,539 | €2,760 | ▼ 57.8% |
| Suppliers440/4 | €5,598 | €13,343 | €10,857 | €6,539 | €2,760 | ▼ 57.8% |
| Advances received on contracts in progress46 | - | - | - | €2,301 | €2,301 | = |
| Taxes, remuneration and social security45 | €9,857 | €17,017 | €12,172 | €14,248 | €18,165 | ▲ 27.5% |
| Taxes450/3 | €6,407 | €11,617 | €9,472 | €14,248 | €15,465 | ▲ 8.5% |
| Remuneration and social security454/9 | €3,450 | €5,400 | €2,700 | €0 | €2,700 | - |
| Other amounts payable47/48 | €4,491 | - | - | €24,177 | €5,798 | ▼ 76.0% |
| Accrued charges and deferred income492/3 | - | - | €150 | €196 | €50 | ▼ 74.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €16,360 | €6,268 | €7,248 | €28,443 | €54,252 | ▲ 90.7% |
| + Depreciation and write-downs630 | €4,469 | €9,753 | €5,627 | €840 | €1,326 | ▲ 57.8% |
| Operating cash flow (approximation) | €20,829 | €16,021 | €12,874 | €29,283 | €55,578 | ▲ 89.8% |
| Investment in fixed assets (approximation) | - | -€27,241 | €0 | €1,444 | -€12,330 | ▼ 954% |
| Change in cash | - | €9,023 | -€4,293 | -€6,707 | €9,188 | ▲ 237% |
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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €54,252 ▲90.7%
Operating result €71,182, net result €54,252, both a record.
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €6,268 ▼61.7%
Net result drops to €6,268, the lowest in the series; recovery starts the following year.
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
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, Châtelet · 1 establishment unit since 2021
Ground area
1,118 m²
Building footprint
69 m²
Volume, LiDAR
513 m³
Parcel 52007B0295/00L002, Wallonia · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FDLB Consult
since 20212.315.609.239
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52007B0295/00L002 | Wallonia | 1,118 m² | 1 · 69 m² | 8.4 m · 2 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.
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Of 4,561 companies in sector 74999 we hold annual accounts for 1,935. 1,508 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded26-03-2021
Fiscal year end31-12
Activities, NACEBEL 2025
74999Other professional, scientific and technical activities
71111Activities of building architects
71121Engineering and related technical consultancy, excluding land surveyors
Contact
E-mail
desier.frederick@belgacom.netChâtelet
Phone
0476/88.10.86Châtelet
E-invoicing
Reachable via Peppol
Peppol ID
0208:0765698402
Registered
28-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.