FMSA Consulting is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €50k and a net result of €47k. Its solvency ranks better than 72% of 8006 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2025, under 3 years, statistically higher risk.
KBO · incorporation dateAge against the risk zone
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 31-07-2026, 0 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
on the day
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€50k
Net result
€47k
Total assets
€67k
Solvency
75.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €67k
Fixed assets
€3k
Current assets
€63k
Equity and liabilities €67k
Equity
€50k
Debt
€16k
Debt finances 24.3% of the balance-sheet total.
Key figures and ratios
Solvency
75.7%
ROE
94.0%
ROA
71.2%
Debt
€16k
Debt ≤ 1 year
€16k
Income taxes
€12k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€67k
Fixed assets21/28€3k
Tangible fixed assets22/27€3k
Furniture and vehicles24€3k
Current assets29/58€63k
Amounts receivable within one year40/41€7k
Trade receivables40€3k
Other amounts receivable41€3k
Cash at bank and in hand54/58€57k
Equity and liabilities
Total equity and liabilities10/49€67k
Equity10/15€50k
Contributions10/11€3k
Reserves13€47k
Distributable reserves133€47k
Profit (loss) carried forward14€399
Amounts payable17/49€16k
Amounts payable within one year42/48€16k
Trade debts44€4k
Suppliers440/4€4k
Taxes, remuneration and social security45€13k
Taxes450/3€13k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€283
Other operating charges640/8€54
Gross operating margin9900€60k
Operating profit (loss)9901€60k
Financial charges65/66B€31
Recurring financial charges65€31
Profit (loss) for the period before taxes9903€60k
Income taxes67/77€12k
Profit (loss) for the period9904€47k
Profit (loss) for the period to be appropriated9905€47k
Appropriation of the result
Profit (loss) to be appropriated9906€47k
Transfer to equity691/2€47k
To other reserves6921€47k
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Jette · 1 establishment unit since 2025
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.
Firmin Lecharlierlaan 51090 JetteGround area
169 m²
Building footprint
72 m²
Volume, LiDAR
716 m³
Parcel 21464D0176/00E018, Brussels · tallest building 23.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Firmin Lecharlierlaan 5, 1090 Jette
since 20252.373.297.416
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21464D0176/00E018 | Brussels | 169 m² | 1 · 72 m² | 23.8 m · 3 fl. |
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.
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Of 807 companies in sector 64999 we hold annual accounts for 484. 283 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-04-2025
Fiscal year end31-12
Activities, NACEBEL
64999Other financial services
66199Other activities auxiliary to financial services, excluding insurance and pension funding
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.