Equity
-€4,315
Debts exceed assets in financial year 2025.
FMO
Lifetime
2 annual accounts with figures on one time axispeak €48,965 (2025)
€48,965▲ 60.8%
lowest -€651 (2024)
€12,708▲ €13,359
peak -€4,315 (2025)
-€4,315▲ €12,708
€30,600▼ 34.6%
Board8 names since 2018
2 directorsMathieu Vandeperre and 1 other
Documentsfilings and deeds
03-07-202628 days before the deadline
2025micro format
Gross margin from €30,456 to €48,965Back to profit: €12,708Equity from -€17,023 to -€4,315Debts from €46,772 to €30,600Cash from €4,357 to €6,240
Key points
from the 2025 annual accountsDebts
€30,600 116% of the balance sheet
Financial debts 31%Suppliers 7%Taxes and wages 36%Other 26%
Of this, €21,142 falls due within a year.
Position in the sector
-16.4%
Lower solvency than 82% of companies in retail trade. Sector median 33.1% · 22,917 companies.
Checked score
56
Fair
Financially stronger than 58% of micro companies in retail trade (NACE 47)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,275 companies (NACE 47, micro).
About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.1%highest value
01-2025: 2.1%● unchanged vs 12-2024highest value
02-2025: 2.1%● unchanged vs 01-2025highest value
03-2025: 2.1%● unchanged vs 02-2025highest value
04-2025: 1.4%▼ -0.7 percentage points vs 03-2025
05-2025: 1.4%● unchanged vs 04-2025
06-2025: 1.4%● unchanged vs 05-2025
07-2025: 1.4%● unchanged vs 06-2025
08-2025: 1.1%▼ -0.3 percentage points vs 07-2025
09-2025: 1.1%● unchanged vs 08-2025
10-2025: 1.1%● unchanged vs 09-2025
11-2025: 0.9%▼ -0.2 percentage points vs 10-2025
12-2025: 0.9%● unchanged vs 11-2025
01-2026: 0.9%● unchanged vs 12-2025
02-2026: 0.9%● unchanged vs 01-2026
03-2026: 1.0%▲ +0.1 percentage points vs 02-2026
04-2026: 1.0%● unchanged vs 03-2026
05-2026: 0.9%▼ -0.1 percentage points vs 04-2026
06-2026: 0.9%● unchanged vs 05-2026
07-2026: 0.9%● unchanged vs 06-2026
08-2026: 0.7%▼ -0.2 percentage points vs 07-2026
09-2026: 0.7%● unchanged vs 08-2026lowest value
10-2026: 0.7%● unchanged vs 09-2026lowest value
11-2026: 0.7%● unchanged vs 10-2026lowest value
Financial strengthAverage
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€4,315
Sector: Retail trade (NACE 47)
lowers risk
Size: total assets €26,285
Liquidity: current ratio 0.48, cash €6,240
Calculation
The band follows from the bankruptcy probability. 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). It does better than 14% of them on solvency, 33% on liquidity, 96% on profitability and 90% on growth.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 3,632 companies had the same profile as FMO has now. Each dot stands for 10 companies, two years later.
91.9%
were still trading
4.8%
stopped another way
2.9%
went bankrupt
Another 0.4% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of FMO itself: 0.7% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 3,632 companies, not a prediction for FMO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.48 (0.37 in 2024), below 1. Short-term debt is 80.4% and cash 23.7% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 22917 sector peers (2025).
NBB · sector comparisonPosition among 22917 sector peers
Solvency
better than 17%
← weakest
strongest →
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 03-07-2026, 28 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
28 days early
2024
2 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 15 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0630909774
Company renamed to FMO
Capital increase of €1,800 · New name: FMO · 300 new shares · General meeting of 27-03-2024 · Gazette deed
Resignation: Timme Verschringel (director)
Board meeting of 21-03-2023 · Gazette deed
Registered office moved from Dworp to Huizingen
New registered office: L.Devillerstraat 49, 1654 Huizingen · Previous registered office: Kerkstraat 107 te 1653 Dworp · Resignation: Dieter Mombers (director) · General meeting of 22-02-2023 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| FMO Beersel | - | - | -16.4% | - |
| TRAINSERVICE.BE Braine-l'Alleud | - | - | -121.7% | - |
| PACMANIA Liège | €220,850 | -4.9% | 28.3% | - |
| MADE IN EUROPE Brussels | - | - | 90.1% | - |
| EDUC'ACTIF Bassenge | - | - | 28.6% | - |
| WAOW Mouscron | €21,180 | 84.2% | 63.4% | - |
| Don Domino Brecht | - | - | 41.8% | - |
These companies have the same main activity as FMO: retail sale of games and toys (NACE 47640). They are comparable in size and age: total assets between €13,700 and €58,800, founded between 2008 and 2021.
Official details
Source: KBO- Status
- Active since 28-05-2015Normal situation
- Activity
- Retail sale of games and toysNACE 47640and 2 others
- Establishment unit
- 2.243.391.3531653 Beersel, since 28-05-2015
- Financial year end
- 31 December
- Peppol
- Reachable since 27-03-2025
Annual accounts 2025
- ≈ €450,000estimated
- €26,285▼ 11.6%
- Filing
- Filed on 03-07-2026, 28 days before the end of the filing period
Insights on FMO
FMO has been active since 2015 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€4,315) and a net result of €12,708.
Its solvency ranks better than 17% of 22,917 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about FMO
- What is the company number of FMO?
- The company number of FMO is 0630.909.774. The VAT number is the same number with BE in front: BE 0630.909.774.
- Where is FMO based?
- The registered office is at L. Devillersstraat 49, 1654 Beersel.Company details
- What does FMO do?
- According to the KBO register, the main activity is retail sale of games and toys (NACE 47640).
- What is the legal form of FMO?
- FMO is a private limited company (BV).
- When was FMO founded?
- FMO was founded on 28-05-2015.
- Is FMO still active?
- Yes, FMO is an active enterprise in the KBO register.
- How many employees does FMO have?
- FMO had an average of 1.3 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of FMO?
- The turnover in financial year 2025 is ≈ €450,000. This figure is estimated from the gross margin of €48,965 and 367 comparable companies (NACE 47). It probably lies between €250,000 and €760,000.
- Is FMO profitable?
- In financial year 2025, FMO made a profit of €12,708.
- Where can I find the annual accounts of FMO?
- FMO filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of FMO due?
- FMO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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