FDMC
ActiveSummary
FDMC has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €174,505 and a net result of -€3,124. Equity is growing by ~22.5% per year across the filed fiscal years. Its solvency ranks better than 55% of 2071 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability50▼-21
Solvency74▼-1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12,000 at 30 days acceptable
Liquidity ample (current ratio 4.4 against 7.06 in 2024; short-term debt: 9% and cash: 5.5% of total assets), but 50.6% of the assets are financed with debt.
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Signals
Two signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 85
Relative position
BE, all sectors
reference
Education (NACE 85)
about 77% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-09-2026, 39 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 9 filingsDeviation from the deadline
2025
39 d late
2024
35 d early
2023
29 d early
2022
56 d early
2021
22 d late
2020
25 d late
2019
31 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 on the deadline day; the sector median for financial year 2024 is 16 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 3 July (4 of the last 5 filed years within 50 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€174,505▼ 1.8%
2024 · €177,629
Total assets
€352,919▲ 0.3%
2024 · €351,779
Net result
-€3,124
2024 · €7,248
Working capital
€108,167▲ 4.0%
2024 · €103,974
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 85, Education, 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€32,486€111,916▲ 245%€44,901▼ 59.9%€20,123▼ 55.2%€1,074▼ 94.7%
Net result€23,007within the sector's middle half€70,786above the sector's middle half▲ 208%€19,507within the sector's middle half▼ 72.4%€7,248within the sector's middle half▼ 62.8%-€3,124below the sector's middle half
Equity€80,497within the sector's middle half▲ 40.0%€151,283above the sector's middle half▲ 87.9%€170,381above the sector's middle half▲ 12.6%€177,629above the sector's middle half▲ 4.3%€174,505above the sector's middle half▼ 1.8%
Total assets€316,965above the sector's middle half▼ 1.9%€428,252above the sector's middle half▲ 35.1%€351,384above the sector's middle half▼ 17.9%€351,779above the sector's middle half▲ 0.1%€352,919above the sector's middle half▲ 0.3%
Debt€236,468▼ 10.9%€276,969▲ 17.1%€181,003▼ 34.6%€174,150▼ 3.8%€178,414▲ 2.4%
Working capital€8,312within the sector's middle half€40,588within the sector's middle half▲ 388%€89,798above the sector's middle half▲ 121%€103,974above the sector's middle half▲ 15.8%€108,167above the sector's middle half▲ 4.0%
Solvency25.4%within the sector's middle half▲ 7.6pp35.3%within the sector's middle half▲ 9.9pp48.5%within the sector's middle half▲ 13.2pp50.5%within the sector's middle half▲ 2.0pp49.4%within the sector's middle half▼ 1.0pp
Current ratio1.17within the sector's middle half▲ 0.361.67within the sector's middle half▲ 0.507.44above the sector's middle half▲ 5.777.06above the sector's middle half▼ 0.394.40above the sector's middle half▼ 2.66
Return on assets (ROA)7.3%within the sector's middle half▲ 12.0pp16.5%within the sector's middle half▲ 9.3pp5.6%within the sector's middle half▼ 11.0pp2.1%within the sector's middle half▼ 3.5pp-0.9%within the sector's middle half▼ 2.9pp
above
within
below
the middle half (P25 to P75) of NACE 85, Education, 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
The operating result has fallen three years in a row; 2025 is 95% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €352,919
Fixed assets
€212,945 ▼ 7.7%
Current assets
€139,974 ▲ 15.5%
Equity and liabilities €352,919
Equity
€174,505 ▼ 1.8%
Debt
€178,414 ▲ 2.4%
Debt's share of the balance-sheet total rises from 49.5% to 50.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€18,277▼
2024 · €37,137
Cash flow
€14,079▼
2024 · €24,262
Debt to equity
1.02▲
2024 · 0.98
ROE
-1.8%▼
2024 · 4.1%
Interest coverage
3.85▼
2024 · 7.37
Debt ≤ 1 year
€31,807▲
2024 · €17,168
Debt > 1 year
€146,607▼
2024 · €156,982
Income taxes
€3,625▼
2024 · €8,754
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,441 companies that looked in July 2024 the way this one looks now, 2.3% went bankrupt within 24 months and 90% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a small loss
2.3%
went bankrupt
7.5%
stopped otherwise
90%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
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 3,441 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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €14,128 | €0 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12,015 | €14,935 | €15,009 | €17,014 | €17,203 | ▲ 1.1% |
| Other operating charges640/8 | €2,566 | €1,581 | €3,497 | €2,743 | €1,833 | ▼ 33.2% |
| Non-recurring operating charges66A | - | - | €11,824 | €0 | - | - |
| Gross operating margin9900 | €47,067 | €128,432 | €75,231 | €39,880 | €20,110 | ▼ 49.6% |
| Operating profit (loss)9901 | €32,486 | €111,916 | €44,901 | €20,123 | €1,074 | ▼ 94.7% |
| Financial income75/76B | €39 | €0 | - | €921 | €4,174 | ▲ 353% |
| Recurring financial income75 | €39 | €0 | - | €331 | €4,174 | ▲ 1,161% |
| Non-recurring financial income76B | €0 | - | - | €590 | €0 | ▼ 100% |
| Financial charges65/66B | €5,878 | €6,142 | €8,629 | €5,042 | €4,746 | ▼ 5.9% |
| Recurring financial charges65 | €5,878 | €6,142 | €8,629 | €5,042 | €4,746 | ▼ 5.9% |
| Profit (loss) for the period before taxes9903 | €26,647 | €105,774 | €36,272 | €16,002 | €502 | ▼ 96.9% |
| Income taxes67/77 | €3,641 | €34,988 | €16,765 | €8,754 | €3,625 | ▼ 58.6% |
| Profit (loss) for the period9904 | €23,007 | €70,786 | €19,507 | €7,248 | -€3,124 | ▼ 143% |
| Profit (loss) for the period to be appropriated9905 | €23,007 | €70,786 | €19,507 | €7,248 | -€3,124 | ▼ 143% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €316,965 | €428,252 | €351,384 | €351,779 | €352,919 | ▲ 0.3% |
| Fixed assets21/28 | €258,576 | €326,995 | €247,651 | €230,637 | €212,945 | ▼ 7.7% |
| Tangible fixed assets22/27 | €244,341 | €312,760 | €233,416 | €216,402 | €205,827 | ▼ 4.9% |
| Land and buildings22 | €238,349 | €227,179 | €216,009 | €204,839 | €194,807 | ▼ 4.9% |
| Furniture and vehicles24 | €4,950 | €84,747 | €16,781 | €11,146 | €5,510 | ▼ 50.6% |
| Other tangible fixed assets26 | €1,043 | €834 | €626 | €417 | €5,510 | ▲ 1,221% |
| Financial fixed assets28 | €14,235 | €14,235 | €14,235 | €14,235 | €7,118 | ▼ 50.0% |
| Current assets29/58 | €58,389 | €101,256 | €103,733 | €121,142 | €139,974 | ▲ 15.5% |
| Amounts receivable within one year40/41 | €27,943 | €42,052 | €45,751 | €81,108 | €119,400 | ▲ 47.2% |
| Trade receivables40 | €21,583 | €42,048 | €41,930 | €64,239 | €36,713 | ▼ 42.8% |
| Other amounts receivable41 | €6,360 | €5 | €3,821 | €16,869 | €82,687 | ▲ 390% |
| Cash at bank and in hand54/58 | €29,158 | €55,972 | €56,618 | €38,370 | €19,418 | ▼ 49.4% |
| Deferred charges and accrued income490/1 | €1,288 | €3,232 | €1,364 | €1,664 | €1,156 | ▼ 30.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €316,965 | €428,252 | €351,384 | €351,779 | €352,919 | ▲ 0.3% |
| Equity10/15 | €80,497 | €151,283 | €170,381 | €177,629 | €174,505 | ▼ 1.8% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €61,897 | €132,683 | €151,781 | €159,029 | €155,905 | ▼ 2.0% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €0 | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €0 | - | - |
| Distributable reserves133 | €60,037 | €130,823 | €149,921 | €159,029 | €155,905 | ▼ 2.0% |
| Profit (loss) carried forward14 | €0 | - | - | - | - | - |
| Amounts payable17/49 | €236,468 | €276,969 | €181,003 | €174,150 | €178,414 | ▲ 2.4% |
| Amounts payable after more than one year17 | €186,391 | €216,301 | €167,068 | €156,982 | €146,607 | ▼ 6.6% |
| Financial debts170/4 | €186,391 | €216,301 | €167,068 | €156,982 | €146,607 | ▼ 6.6% |
| Amounts payable within one year42/48 | €50,077 | €60,668 | €13,936 | €17,168 | €31,807 | ▲ 85.3% |
| Current portion of amounts payable after more than one year42 | €9,267 | €28,548 | €9,791 | €10,086 | €10,375 | ▲ 2.9% |
| Trade debts44 | €17,854 | €7,941 | €2,045 | €2,928 | €13,667 | ▲ 367% |
| Suppliers440/4 | €17,854 | €7,941 | €2,045 | €2,928 | €13,667 | ▲ 367% |
| Taxes, remuneration and social security45 | €6,800 | €21,348 | €1,438 | €2,285 | €7,765 | ▲ 240% |
| Taxes450/3 | €6,800 | €19,448 | €1,438 | €2,285 | €5,865 | ▲ 157% |
| Remuneration and social security454/9 | €0 | €1,900 | €0 | - | €1,900 | - |
| Other amounts payable47/48 | €16,156 | €2,832 | €661 | €1,870 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €23,007 | €70,786 | €19,507 | €7,248 | -€3,124 | ▼ 143% |
| + Depreciation and write-downs630 | €12,015 | €14,935 | €15,009 | €17,014 | €17,203 | ▲ 1.1% |
| Operating cash flow (approximation) | €35,022 | €85,721 | €34,516 | €24,262 | €14,079 | ▼ 42.0% |
| Investment in fixed assets (approximation) | - | -€83,354 | €64,335 | €0 | €489 | - |
| Change in cash | - | €26,814 | €646 | -€18,248 | -€18,952 | ▼ 3.9% |
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
08-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 39 days late
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity quadruplescurrent ratio 7.44
Current ratio from 1.67 to 7.44; short-term debt falls from €60,668 to €13,936.
05-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €70,786 ▲208%
Operating result €111,916, net result €70,786, both a record.
31-12
Financial
Equity above €150,000Eq €151,283 ▲87.9%
2 profitable years in a row build equity to €151,283.
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
31-12
Financial
Back to profitnet €23,007
Net result €23,007 after one loss-making year.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
31-12
Financial
Weakest financial yearnet -€15,275
Net result drops to -€15,275, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Ronse · 1 establishment unit since 2017
Ground area
611 m²
Building footprint
106 m²
Volume, LiDAR
616 m³
Parcel 45422C0462/00S003, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FDMC
since 20172.261.413.062
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45422C0462/00S003 | Flanders | 611 m² | 1 · 106 m² | 8.3 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 11,672 companies in sector 85599 we hold annual accounts for 1,330. 982 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
Founded14-02-2017
Fiscal year end31-12
Activities, NACEBEL 2025
85599Other education
62200Computer consultancy and computer facilities management
E-invoicing
Reachable via Peppol
Peppol ID
0208:0671484775
Also
9925:BE0671484775
Registered
13-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.