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FM TELECOM

Active
Private limited companyfounded 2009active for 16 yearsPaleizenstraat 87, 1030 Schaarbeek, BelgiumKBO/BCE: BE 0821.853.977
Summary

The computed 12-month bankruptcy probability of FM TELECOM is 3.2% (moderate). The 2024 annual accounts show negative equity (-€19,028) and a net result of -€6,246. Equity is growing by about 9.8% per year across the filed financial years. Its solvency ranks better than 13% of 25,566 sector peers (NACE 47, financial year 2024). The company has been active since 2009 and the Belgian Official Gazette contains no insolvency or warning signals.

Risk analysisFollow ReportCompare
FM TELECOMActiveChecked score 48/100
Risk analysis ReportCompare

Overview

Activity
Retail sale of information and communication equipment
NACE 47400
1 site
Size
≈ €45,000turnover 2024, estimated
Equity
-€19,028
Loss
-€6,246
Turnover estimated from the gross margin
Financial health
48 Fair Checked score 2024
Bankruptcy probabilitywithin 12 months
3.2%
Structure
2025 accounts not filed, 91 days past the deadline5 of 11 deeds summarised
Why 48raises riskLoss of €6,246 (financial year 2024)Figures for financial year 2024 (filed 02-09-2025)lowers riskSize: total assets €43,062Founded in 2009Show the evidence

Checked score

Score 2024
48 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 9% of its sector peers (NACE 47, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2023
Weak
Solvency 0=
equity -44.2% of total assets
Liquidity 3-3
short-term debt 144.2% · cash 2.4%
Profitability 1-99
return on assets -14.5%
Bankruptcy probability, 12 months
3.2% Moderate
0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,263 companies, NACE 47, micro)
Last 24 months 11-2024: 3.7%highest value 12-2024: 2.2%▼ -1.5 percentage points vs 11-2024 01-2025: 2.2%● unchanged vs 12-2024 02-2025: 2.2%● unchanged vs 01-2025 03-2025: 2.3%▲ +0.1 percentage points vs 02-2025 04-2025: 2.2%▼ -0.1 percentage points vs 03-2025 05-2025: 2.2%● unchanged vs 04-2025 06-2025: 2.1%▼ -0.1 percentage points vs 05-2025lowest value 07-2025: 2.2%▲ +0.1 percentage points vs 06-2025 08-2025: 2.4%▲ +0.2 percentage points vs 07-2025 09-2025: 2.6%▲ +0.2 percentage points vs 08-2025 10-2025: 2.2%▼ -0.4 percentage points vs 09-2025 11-2025: 2.2%● unchanged vs 10-2025 12-2025: 2.2%● unchanged vs 11-2025 01-2026: 2.2%● unchanged vs 12-2025 02-2026: 2.2%● unchanged vs 01-2026 03-2026: 2.2%● unchanged vs 02-2026 04-2026: 2.2%● unchanged vs 03-2026 05-2026: 2.2%● unchanged vs 04-2026 06-2026: 2.1%▼ -0.1 percentage points vs 05-2026 07-2026: 2.3%▲ +0.2 percentage points vs 06-2026 08-2026: 2.8%▲ +0.5 percentage points vs 07-2026 09-2026: 2.9%▲ +0.1 percentage points vs 08-2026 10-2026: 3.2%▲ +0.3 percentage points vs 09-2026
No credit on open account
Liquidity insufficient (current ratio 0.5, compared with 0.2 in 2023, below 1; short-term debt: 144.2% and cash: 2.4% of total assets), and equity is negative.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro): better than 6% on solvency, 5% on liquidity, 13% on profitability and 11% on growth.

The bankruptcy probability was computed on 29-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Seven signals.
lowers riskraises risk
lowers risk · Size: total assets €43,062
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
lowers risk · Founded in 2009
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
raises risk · Loss of €6,246 (financial year 2024)
NBB · annual accounts
raises risk · Figures for financial year 2024 (filed 02-09-2025)
NBB · annual accounts
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024
Equity per financial year
18192021222324
2018 to 2024 · latest year -€19,028
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 91 days later.
NBB · 10 filings
Position against the passed deadline
31-12-2025 year end31-07-2026 deadline30-10-2026 today
raises risk · 2024 accounts filed 29 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
not filed
2024
29 days late
2023
107 days late
2022
151 days late
2021
121 days late
2020
61 days late
2019
90 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 93 days after the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Resignation: El Ammouri Mohamed (director)Appointment: El Abboudi Oukhiar Sara…
  2. Annual accounts filedfinancial year 2024 · micro…
  3. Resignation: El Ammouri El Marraki Nassir…Appointment: El Ammouri Mohamed (director)…

Key points

  • Risk: Negative equityfinancial year 2024: debts exceed assets -€19,028 View
  • Risk: 2025 accounts not fileddeadline was 31-07-2026 91 days past the deadline View
  • Caution: From profit to loss in 2024after €59,325 in 2023 -€6,246 View
  • Caution: Among the weakest 13% on solvencysector median 32.2% · 25,566 companies -44.2% View
  • Caution: Board changedlatest change 01-01-2026 · 1 in office 1 joined · 1 left View

By topic

Financials

Financial year
2024
Total assets
€43,062
Loss
-€6,246
Solvency
-44.2%
Go to Financials

Timeline

Events
22
Since
2011
  1. 19-11-2024Resignation: ARROCHDI MOHAMMED (director)
  2. 15-11-2024Annual accounts filed
  3. 05-06-2024Resignations: EL HAMMOUTI Faysal (manager) and EL…
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Retail sale of information and communication equipmentNACE 47400
Founded
29-12-2009
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Key facts about FM TELECOM

What is the company number of FM TELECOM?
0821.853.977. In Belgium the VAT number is the company number with BE in front: BE 0821.853.977.
Where is FM TELECOM based?
The registered office is at Paleizenstraat 87, 1030 Schaarbeek.Company details
What does FM TELECOM do?
According to the KBO register, the main activity is retail sale of information and communication equipment (NACE 47400).
What is the legal form of FM TELECOM?
Private limited company (BV).
When was FM TELECOM founded?
On 29-12-2009.
Is FM TELECOM still active?
Yes, FM TELECOM is an active enterprise in the KBO register.
What is the turnover of FM TELECOM?
€289,067 in financial year 2023, according to the filed annual accounts.Financials
Is FM TELECOM profitable?
In financial year 2024, FM TELECOM made a loss of €6,246.
Where can I find the annual accounts of FM TELECOM?
FM TELECOM filed 15 annual accounts with the National Bank of Belgium, the latest for financial year 2024.

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