FDO I. RETAIL
ActiveFDO I. RETAIL has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.43M and a net result of €128k. Equity is shrinking by ~6.8% per year across the filed fiscal years. Its solvency ranks better than 50% of 4506 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
76
/ 100
Excellent▼ -18 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability45▼-55
Solvency81▼-1
Growth32=
Stability94
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €110k at 30 days acceptable
Liquidity ample (current ratio 2.83 against 3.33 in 2024), but 62.1% 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
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 68
Relative position
BE, all sectors
reference
Sector 68
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
37.9%
Return on assets
3.4%
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 12-05-2026, 80 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
80 d early
2024
99 d early
2023
120 d early
2022
133 d early
2021
827 d late
← 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
16-09-2026 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
€128k▼ 73.6%
2024 · €486k
2021: €631k
2022: €121k
2023: €133k
2024: €486k
2021 → 2025
Working capital
€2.18M▼ 14.4%
2024 · €2.54M
2021: €2.83M
2022: €2.87M
2023: €2.39M
2024: €2.54M
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.79M-€1.91M▲ 6.8%€1.47M▼ 22.7%€1.61M▲ 9.3%€1.43M▼ 11.2%
Operating result€-10k-€118k€110k▼ 7.2%€416k▲ 279%€175k▼ 57.9%
Net result€631k-€121k▼ 80.8%€133k▲ 10.4%€486k▲ 264%€128k▼ 73.6%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 58% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.77M
Fixed assets
€397k▼ 28.4%
Current assets
€3.37M▼ 7.3%
Equity and liabilities €3.77M
Equity
€1.43M▼ 11.2%
Provisions
€21k▼ 76.4%
Debt
€2.32M▼ 7.2%
The debt ratio rises from 59.6% to 61.6%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€334k▼
2024 · €576k
Cash flow
€288k▼
2024 · €646k
Solvency
37.9%▼
2024 · 38.3%
Current ratio
2.83▼
2024 · 3.33
Quick ratio
2.83▼
2024 · 3.33
Debt / equity
1.63▲
2024 · 1.55
ROE
9.0%▼
2024 · 30.2%
ROA
3.4%▼
2024 · 11.6%
Interest coverage
4.75▼
2024 · 12.34
Debt
€2.32M▼
2024 · €2.50M
Debt ≤ 1 year
€1.19M▲
2024 · €1.09M
Debt > 1 year
€1.13M▼
2024 · €1.34M
Income taxes
€105k▼
2024 · €106k
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€4.20M€3.77M▼
Formation expenses20€8k€6k▼
Fixed assets21/28€554k€397k▼
Tangible fixed assets22/27€554k€397k▼
Other tangible fixed assets26€554k€397k▼
Current assets29/58€3.64M€3.37M▼
Amounts receivable within one year40/41€971k€721k▼
Trade receivables40€323k€130k▼
Other amounts receivable41€648k€591k▼
Current investments50/53€2.33M€1.41M▼
Cash at bank and in hand54/58€328k€1.24M▲
Deferred charges and accrued income490/1€5k€178▼
Equity and liabilities
Total equity and liabilities10/49€4.20M€3.77M▼
Equity10/15€1.61M€1.43M▼
Contributions10/11€365k€365k=
Capital10€365k€365k=
Issued capital100€365k€365k=
Revaluation surpluses12€84k-
Reserves13€1.16M€1.07M▼
Non-distributable reserves130/1€36k€53k▲
Legal reserve130€36k€53k▲
Tax-exempt reserves132€263k€62k▼
Distributable reserves133€862k€950k▲
Provisions and deferred taxes16€88k€21k▼
Deferred taxes168€88k€21k▼
Amounts payable17/49€2.50M€2.32M▼
Amounts payable after more than one year17€1.34M€1.13M▼
Financial debts170/4€1.31M€1.11M▼
Advances received on contracts in progress176€36k€22k▼
Amounts payable within one year42/48€1.09M€1.19M▲
Current portion of amounts payable after more than one year42€252k€210k▼
Trade debts44€417k€654k▲
Suppliers440/4€417k€654k▲
Advances received on contracts in progress46€15k€15k=
Taxes, remuneration and social security45-€58k
Taxes450/3-€58k
Other amounts payable47/48€410k€255k▼
Accrued charges and deferred income492/3€66k-
Income statement
Code20242025
Non-recurring operating income76A€13k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€159k€159k=
Other operating charges640/8€6k€1k▼
Gross operating margin9900€582k€336k▼
Operating profit (loss)9901€416k€175k▼
Financial income75/76B€217k€61k▼
Recurring financial income75€217k€61k▼
Financial charges65/66B€47k€70k▲
Recurring financial charges65€47k€70k▲
Profit (loss) for the period before taxes9903€587k€166k▼
Transfer from deferred taxes780€5k€67k▲
Income taxes67/77€106k€105k▼
Profit (loss) for the period9904€486k€128k▼
Transfer from tax-exempt reserves789€16k€201k▲
Profit (loss) for the period to be appropriated9905€503k€329k▼
Appropriation of the result
Profit (loss) to be appropriated9906€503k€329k▼
Transfer to equity691/2€153k€104k▼
To the legal reserve6920-€16k
To other reserves6921€153k€88k▼
Profit to be distributed694/7€350k€225k▼
Return on contributions (dividend)694€350k€225k▼
The notes to these accounts (7 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
12-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
23-04
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
04-11
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 827 days late
02-04
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
20-03
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Weakest financial yearnet €121k ▼80.8%
Net result drops to €121k, the lowest in the series; recovery starts the following year.
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Remicourt · 1 establishment unit since 2021
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.
Rue de Momelette(MOM) 244350 RemicourtGround area
3,153 m²
Building footprint
266 m²
Parcel 64050B0445/00F000, Wallonia. Linked by address, not a title deed.
1 establishment unit
FDO I. RETAIL
since 20212.321.888.208
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64050B0445/00F000 | Wallonia | 3,153 m² | 1 · 266 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.
Recognitions · licences · registrations
Legal Entity Identifier
6488WT1P3UH02TP09315
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GENERATION 2000
BE 0432.862.104
Thimister-Clermont · Eq €1.43M
Of 11,979 companies in sector 68203 we hold annual accounts for 5,949. 3,871 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded18-08-2021
Fiscal year end31-12
Activities, NACEBEL
68203Renting and operating of own or leased non-residential real estate, excluding land
46110Wholesale trade
46130Agents in the wholesale of timber and building materials
68110Buying and selling of own real estate
68310Real estate agency activities
68311Real estate activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.