FDM Group
ActiveFDM Group has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €351k and a net result of €288k. Equity is shrinking by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 1394 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
82
/ 100
Excellent▼ -11 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 2.67 against 6.05 in 2024), and 1.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
98.9%
Return on assets
81%
Age of the figures
8 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 10-06-2026, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
51 d early
2024
50 d early
2023
49 d early
2022
39 d early
2021
10 d early
2020
16 d early
2019
18 d early
← before the deadline
after the deadline →
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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€288k▼ 93.7%
2024 · €4.59M
2018: €-8k
2019: €-9k
2020: €-8k
2021: €-10k
2022: €-9k
2023: €-12k
2024: €4.59M
2018 → 2025
Working capital
€7k▼ 65.1%
2024 · €19k
2018: €-72k
2019: €-81k
2020: €-89k
2021: €-98k
2022: €-107k
2023: €-120k
2024: €19k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€246k-€237k▼ 3.7%€225k▼ 5.2%€363k▲ 61.7%€351k▼ 3.4%
Operating result€-6k-€-6k▲ 5.3%€-9k▼ 51.5%€-8k▲ 11.4%€-9k▼ 13.1%
Net result€-10k-€-9k▲ 3.4%€-12k▼ 34.1%€4.59M€288k▼ 93.7%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €9k in 2025 against €8k in 2024; the loss grows and 2025 is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €355k
Fixed assets
€345k=
Current assets
€11k▼ 53.3%
Equity and liabilities €355k
Equity
€351k▼ 3.4%
Debt
€4k▲ 5.9%
The debt ratio rises from 1.0% to 1.1%: debt grows while equity shrinks.
Key figures and ratios
Solvency
98.9%▼
2024 · 99.0%
Current ratio
2.67▼
2024 · 6.05
Quick ratio
2.67▼
2024 · 6.05
Debt / equity
0.01▲
2024 · 0.01
ROE
81.9%
ROA
81.0%
Debt
€4k▲
2024 · €4k
Debt ≤ 1 year
€4k▲
2024 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€367k€355k▼
Fixed assets21/28€345k€345k=
Financial fixed assets28€345k€345k=
Current assets29/58€23k€11k▼
Cash at bank and in hand54/58€23k€11k▼
Equity and liabilities
Total equity and liabilities10/49€367k€355k▼
Equity10/15€363k€351k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€163k€163k=
Non-distributable reserves130/1€7k€7k=
Legal reserve130€7k€7k=
Distributable reserves133€156k€156k=
Profit (loss) carried forward14€139k€126k▼
Amounts payable17/49€4k€4k▲
Amounts payable within one year42/48€4k€4k▲
Trade debts44€4k€4k▲
Suppliers440/4€4k€4k▲
Other amounts payable47/48€0-
Income statement
Code20242025
Other operating charges640/8€2k€2k▲
Gross operating margin9900€-6k€-7k▼
Operating profit (loss)9901€-8k€-9k▼
Financial income75/76B€4.60M€300k▼
Recurring financial income75€4.60M€300k▼
Non-recurring financial income76B€4.60M€300k▼
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€4.59M€288k▼
Profit (loss) for the period9904€4.59M€288k▼
Profit (loss) for the period to be appropriated9905€4.59M€288k▼
Appropriation of the result
Profit (loss) to be appropriated9906€4.59M€426k▼
Profit (loss) brought forward from the previous period14P€0€139k▲
Profit to be distributed694/7€4.45M€300k▼
Return on contributions (dividend)694€4.45M€300k▼
The notes to these accounts (2 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
2026
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
11-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Back to profitnet €4.59M
Net result €4.59M after 6 loss-making years.
31-12
Financial
Liquidity times 435current ratio 6.05
Current ratio from 0.01 to 6.05; short-term debt falls from €122k to €4k.
12-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Weakest financial yearnet €-12k
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
21-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
13-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
10 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, Watermaal-Bosvoorde · 1 establishment unit since 2000
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.
Briljantstraat 861170 Watermaal-BosvoordeGround area
1.3 ha
Building footprint
2,203 m²
Volume, LiDAR
42,079 m³
2 parcels, Brussels, Flanders · tallest building 28.7 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
Lozenberg 18, 1932 Zaventem
since 20002.101.005.350
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23078A0372/00H000 | Flanders | 7,730 m² | 1 · 1,113 m² | 19.9 m · 5 fl. |
| 21017D0012/00S000 | Brussels | 5,550 m² | 1 · 1,090 m² | 28.7 m · 9 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,885 companies in sector 62200 we hold annual accounts for 18,321. 13,244 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded01-03-2000
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
72100
62010Computer programming, consultancy and related activities
62100Computer programming
72220
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.