FMK
ActiveFMK has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €36k and a net result of €-12k. Equity is shrinking by ~10.1% per year across the filed fiscal years. Its solvency ranks better than 91% of 15869 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
70
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-87
Solvency100▲+46
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 7.32 against 1.06 in 2023; short-term debt: 10% and cash: 31.2% of total assets), and 10% of the assets are financed with debt.
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
90%
Return on assets
-30.5%
Age of the figures
21 mo
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-08-2025, 26 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
26 d late
2023
37 d early
2022
3 d early
2021
3 d late
2020
5 d early
2019
46 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€36k▼ 25.3%
2023 · €49k
2018: €83k
2019: €60k
2020: €48k
2021: €93k
2022: €75k
2023: €49k
2018 → 2024
Total assets
€40k▼ 76.0%
2023 · €168k
2018: €89k
2019: €76k
2020: €65k
2021: €116k
2022: €175k
2023: €168k
2018 → 2024
Net result
€-12k
2023 · €24k
2018: €18k
2019: €-28k
2020: €3k
2021: €46k
2022: €31k
2023: €24k
2018 → 2024
Working capital
€26k▲ 308%
2023 · €6k
2018: €51k
2019: €36k
2020: €34k
2021: €84k
2022: €20k
2023: €6k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€48k-€93k▲ 94.1%€75k▼ 19.9%€49k▼ 34.7%€36k▼ 25.3%
Operating result€3k-€54k▲ 1,720%€58k▲ 7.2%€35k▼ 40.1%€-12k
Net result€3k-€46k▲ 1,529%€31k▼ 31.7%€24k▼ 23.2%€-12k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €12k after €35k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €40k
Fixed assets
€11k▼ 81.3%
Current assets
€30k▼ 73.2%
Equity and liabilities €40k
Equity
€36k▼ 25.3%
Debt
€4k▼ 96.6%
The debt ratio falls from 71.1% to 10.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-6k▼
2023 · €54k
Cash flow
€-6k▼
2023 · €44k
Solvency
90.0%▲
2023 · 28.9%
Current ratio
7.32▲
2023 · 1.06
Quick ratio
7.32▲
2023 · 1.06
Debt / equity
0.11▼
2023 · 2.46
ROE
-33.9%▼
2023 · 49.5%
ROA
-30.5%▼
2023 · 14.3%
Interest coverage
-12.05▼
2023 · 39.97
Debt
€4k▼
2023 · €120k
Debt ≤ 1 year
€4k▼
2023 · €104k
Income taxes
€-8▼
2023 · €10k
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€168k€40k▼
Fixed assets21/28€58k€11k▼
Tangible fixed assets22/27€58k€11k▼
Furniture and vehicles24€58k€11k▼
Current assets29/58€110k€30k▼
Amounts receivable within one year40/41€345€16k▲
Trade receivables40-€15k
Other amounts receivable41€345€1k▲
Cash at bank and in hand54/58€108k€13k▼
Deferred charges and accrued income490/1€1k€841▼
Equity and liabilities
Total equity and liabilities10/49€168k€40k▼
Equity10/15€49k€36k▼
Contributions10/11€20k€20k=
Reserves13€20k€20k=
Distributable reserves133€20k€20k=
Profit (loss) carried forward14€8k€-4k▼
Amounts payable17/49€120k€4k▼
Amounts payable after more than one year17€16k-
Financial debts170/4€16k-
Amounts payable within one year42/48€104k€4k▼
Current portion of amounts payable after more than one year42€10k-
Trade debts44€2k€72▼
Suppliers440/4€2k€72▼
Taxes, remuneration and social security45€12k€168▼
Taxes450/3€12k€168▼
Other amounts payable47/48€80k€4k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€6k▼
Other operating charges640/8€872€706▼
Non-recurring operating charges66A-€3k
Gross operating margin9900€55k€-2k▼
Operating profit (loss)9901€35k€-12k▼
Financial income75/76B€406€254▼
Recurring financial income75€406€254▼
Financial charges65/66B€1k€481▼
Recurring financial charges65€1k€481▼
Profit (loss) for the period before taxes9903€34k€-12k▼
Income taxes67/77€10k€-8▼
Profit (loss) for the period9904€24k€-12k▼
Profit (loss) for the period to be appropriated9905€24k€-12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€78k€-4k▼
Profit (loss) brought forward from the previous period14P€54k€8k▼
Transfer to equity691/2€20k-
To other reserves6921€20k-
Profit to be distributed694/7€50k-
Return on contributions (dividend)694€50k-
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
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Liquidity times 7current ratio 7.32
Current ratio from 1.06 to 7.32; short-term debt falls from €104k to €4k.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
03-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
2021
31-12
Financial
Highest result since 2018net €46k ▲1529%
Net result €46k, the highest in the series.
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
15-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-28k ▼259%
Net result drops to €-28k, the lowest in the series; recovery starts the following year.
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
17-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 17 days late
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
08-06
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
5 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, Gembloux · 1 establishment unit since 2009
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 Hambursin 125030 GemblouxGround area
1,019 m²
Building footprint
183 m²
Volume, LiDAR
781 m³
2 parcels, Wallonia · tallest building 9.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
FMK
since 20092.178.685.722
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25059A0055/00E000 | Wallonia | 853 m² | 1 · 94 m² | 9.9 m · 3 fl. |
| 92053D0011/00H002 | Wallonia | 166 m² | 1 · 89 m² | - |
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.
Recognitions · licences · registrations
Legal Entity Identifier
25490056AOZMWI01FO39
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Of 6,157 companies in sector 46190 we hold annual accounts for 2,567. 1,852 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formLimited partnership
Founded25-05-2009
Fiscal year end31-12
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
71209Other technical testing and analysis
73300Public relations and communication consultancy
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.