FIBS-TRADING

Active

Public limited companyfounded 201016 yrs activeRue des Azalées(B) 3, 7331 Saint-Ghislain, BelgiumKBO/BCE: BE 0825.334.891

FIBS-TRADING has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €2.77M and a net result of €84k. Equity is growing by ~5.5% per year across the filed fiscal years. Its solvency ranks better than 88% of 316 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).

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Checked score

Score 2024

79 / 100

Excellent

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability72▼-28

Solvency100=

Growth52▼-26

Track record100

Bankruptcy probability, 12 months

0.3% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €210k at 30 days acceptable

Liquidity ample (current ratio 4.71 against 16.14 in 2023; short-term debt: 18.5% and cash: 4.8% of total assets), and 18.5% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Lower-risk legal form

Companies with this legal form statistically fail less often than a BV.

KBO · legal form

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 23

Relative position

BE, all sectors

reference

Sector 23

lower

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

81.5%

Return on assets

2.5%

Age of the figures

20 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-06-2025, 34 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

not confirmed

2024

34 d early

2023

14 d early

2022

45 d early

2021

52 d early

2020

61 d early

2019

18 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, full schema

Turnover

Not included in this filing

EBIT margin

Not included in this filing

Net result

€84k▼ 93.4%

2023 · €1.28M

2018: €192k 2019: €84k 2020: €2k 2021: €85k 2022: €7k 2023: €1.28M

2018 → 2024

Working capital

€2.33M▼ 16.7%

2023 · €2.80M

2018: €1.37M 2019: €1.46M 2020: €1.46M 2021: €1.55M 2022: €1.52M 2023: €2.80M

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€1.47M-€1.55M▲ 5.8%€1.56M▲ 0.5%€3.19M▲ 104%€2.77M▼ 13.0%

Operating result€3k-€117k▲ 3,269%€64k▼ 45.7%€1.25M▲ 1,869%€3k▼ 99.8%

Net result€2k-€85k▲ 4,230%€7k▼ 91.6%€1.28M▲ 17,908%€84k▼ 93.4%

Result per fiscal year

Operating resultNet result

The operating result falls in 2024; 2024 is 100% below 2023 and is the lowest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €3.40M

13.0%

87.0%

Fixed assets €443k▲ 13.2%

Current assets €2.96M▼ 0.8%

Equity and liabilities €3.40M

81.5%

18.5%

Equity €2.77M▼ 13.0%

Debt €631k▲ 238%

The debt ratio rises from 5.5% to 18.5%. Equity is lower and debt is higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€120k▼

2023 · €1.34M

Cash flow

€201k▼

2023 · €1.36M

Solvency

81.5%▼

2023 · 94.5%

Current ratio

4.71▼

2023 · 16.14

Quick ratio

2.71▼

2023 · 9.63

Debt / equity

0.23▲

2023 · 0.06

ROE

3.0%▼

2023 · 40.1%

ROA

2.5%▼

2023 · 37.9%

Interest coverage

17.62▼

2023 · 200.82

Debt

€631k▲

2023 · €187k

Debt ≤ 1 year

€629k▲

2023 · €185k

Income taxes

€15k▼

2023 · €60k

Staff costs

€149k▲

2023 · €115k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€3.38M€3.40M▲

Fixed assets21/28€391k€443k▲

Tangible fixed assets22/27€391k€442k▲

Plant, machinery and equipment23€334k€385k▲

Furniture and vehicles24€56k€57k▲

Financial fixed assets28€352€352=

Current assets29/58€2.98M€2.96M▼

Stocks and contracts in progress3€1.20M€1.26M▲

Stocks30/36€1.20M€1.26M▲

Amounts receivable within one year40/41€750k€215k▼

Trade receivables40€553k€143k▼

Other amounts receivable41€198k€72k▼

Current investments50/53€805k€1.32M▲

Cash at bank and in hand54/58€215k€162k▼

Deferred charges and accrued income490/1€9k€7k▼

Equity and liabilities

Total equity and liabilities10/49€3.38M€3.40M▲

Equity10/15€3.19M€2.77M▼

Contributions10/11€700k€700k=

Capital10€700k€700k=

Issued capital100€700k€700k=

Reserves13€70k€70k=

Non-distributable reserves130/1€70k€70k=

Legal reserve130€70k€70k=

Profit (loss) carried forward14€2.42M€2.00M▼

Amounts payable17/49€187k€631k▲

Amounts payable within one year42/48€185k€629k▲

Trade debts44€167k€121k▼

Suppliers440/4€167k€121k▼

Taxes, remuneration and social security45€16k€7k▼

Taxes450/3€6k€1k▼

Remuneration and social security454/9€10k€6k▼

Other amounts payable47/48€1k€500k▲

Accrued charges and deferred income492/3€2k€2k▲

Income statement Code20232024

Non-recurring operating income76A-€7k

Remuneration, social security and pensions62€115k€149k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€84k€117k▲

Other operating charges640/8€4k€2k▼

Non-recurring operating charges66A€44€7k▲

Gross operating margin9900€1.46M€278k▼

Operating profit (loss)9901€1.25M€3k▼

Financial income75/76B€94k€103k▲

Recurring financial income75€26k€103k▲

Non-recurring financial income76B€68k-

Financial charges65/66B€7k€7k▲

Recurring financial charges65€7k€7k▲

Profit (loss) for the period before taxes9903€1.34M€99k▼

Income taxes67/77€60k€15k▼

Profit (loss) for the period9904€1.28M€84k▼

Profit (loss) for the period to be appropriated9905€1.28M€84k▼

Appropriation of the result

Profit (loss) to be appropriated9906€2.45M€2.50M▲

Profit (loss) brought forward from the previous period14P€1.18M€2.42M▲

Transfer to equity691/2€35k-

To the legal reserve6920€35k-

Profit to be distributed694/7-€500k

Return on contributions (dividend)694-€500k

Social balance

Average headcount (FTE)90872.12.4▲

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 13Financial 3Filings 10

2025

27-06

NBB filing Annual accounts filed

fiscal year 2024 · full schema

2024

17-07

NBB filing Annual accounts filed

fiscal year 2023 · full schema

2023

31-12

Financial Highest result since 2018net €1.28M ▲17908%

Operating result €1.25M, net result €1.28M, both a record.

31-12

Financial Equity above €2MEq €3.19M ▲104%

6 profitable years in a row build equity to €3.19M.

16-06

NBB filing Annual accounts filed

fiscal year 2022 · full schema

2022

09-06

NBB filing Annual accounts filed

fiscal year 2021 · full schema

2021

31-05

NBB filing Annual accounts filed

fiscal year 2020 · full schema

2020

31-12

Financial Weakest financial yearnet €2k ▼97.7%

Net result drops to €2k, the lowest in the series; recovery starts the following year.

13-07

NBB filing Annual accounts filed

fiscal year 2019 · full schema

2019

30-05

NBB filing Annual accounts filed

fiscal year 2018 · full schema

2018

29-05

NBB filing Annual accounts filed

fiscal year 2017 · full schema

2017

30-05

NBB filing Annual accounts filed

fiscal year 2016 · full schema

2016

20-05

NBB filing Annual accounts filed

fiscal year 2015 · full schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

11 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, Saint-Ghislain · 1 establishment unit since 2010

establishment The establishment unit on the map

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 des Azalées(B) 37331 Saint-Ghislain

Ground area

1.2 ha

Building footprint

2,716 m²

Volume, LiDAR

28,158 m³