FOBIE
ActiveFOBIE has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €303k and a net result of €8k. Equity is growing by ~6.4% per year across the filed fiscal years. Its solvency ranks better than 70% of 15866 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
68
/ 100
Healthy▼ -16 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability13▼-7
Solvency99▼-1
Growth78=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 2.71 against 3.78 in 2023), and 35.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 29-08-2025, 29 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
29 d late
2023
9 d late
2022
1 d late
2021
26 d late
2020
24 d late
2019
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€303k▼ 3.8%
2023 · €315k
2018: €223k
2019: €222k
2020: €241k
2021: €297k
2022: €303k
2023: €315k
2018 → 2024
Total assets
€473k▲ 11.5%
2023 · €424k
2018: €439k
2019: €448k
2020: €448k
2021: €435k
2022: €498k
2023: €424k
2018 → 2024
Net result
€8k▼ 36.3%
2023 · €13k
2018: €4k
2019: €-283
2020: €19k
2021: €66k
2022: €6k
2023: €13k
2018 → 2024
Working capital
€291k▼ 3.9%
2023 · €303k
2018: €217k
2019: €213k
2020: €235k
2021: €296k
2022: €294k
2023: €303k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€241k-€297k▲ 23.2%€303k▲ 2.1%€315k▲ 4.1%€303k▼ 3.8%
Operating result€24k-€33k▲ 38.8%€14k▼ 56.6%€21k▲ 44.9%€15k▼ 25.8%
Net result€19k-€66k▲ 255%€6k▼ 90.6%€13k▲ 104%€8k▼ 36.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 26% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €473k
Fixed assets
€12k▼ 2.0%
Current assets
€461k▲ 11.9%
Equity and liabilities €473k
Equity
€303k▼ 3.8%
Debt
€170k▲ 55.7%
The debt ratio rises from 25.7% to 35.9%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€21k▼
2023 · €24k
Cash flow
€13k▼
2023 · €16k
Solvency
64.1%▼
2023 · 74.3%
Current ratio
2.71▼
2023 · 3.78
Quick ratio
0.46▼
2023 · 0.74
Debt / equity
0.56▲
2023 · 0.35
ROE
2.6%▼
2023 · 4.0%
ROA
1.7%▼
2023 · 3.0%
Interest coverage
2.62▼
2023 · 2.72
Debt
€170k▲
2023 · €109k
Debt ≤ 1 year
€170k▲
2023 · €109k
Income taxes
€6k▲
2023 · €6k
Staff costs
€78k▲
2023 · €76k
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€424k€473k▲
Fixed assets21/28€13k€12k▼
Tangible fixed assets22/27€13k€12k▼
Plant, machinery and equipment23€7k€5k▼
Furniture and vehicles24€6k€7k▲
Current assets29/58€412k€461k▲
Amounts receivable after more than one year29€30k€31k▲
Other amounts receivable291€30k€31k▲
Stocks and contracts in progress3€331k€382k▲
Stocks30/36€331k€382k▲
Amounts receivable within one year40/41€38k€40k▲
Trade receivables40€24k€25k▲
Other amounts receivable41€14k€15k▲
Cash at bank and in hand54/58€8k€4k▼
Deferred charges and accrued income490/1€5k€3k▼
Equity and liabilities
Total equity and liabilities10/49€424k€473k▲
Equity10/15€315k€303k▼
Contributions10/11€19k€19k=
Reserves13€297k€297k=
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€295k€297k▲
Profit (loss) carried forward14-€-12k
Amounts payable17/49€109k€170k▲
Amounts payable within one year42/48€109k€170k▲
Financial debts43€32k€25k▼
Credit institutions430/8€32k€25k▼
Other loans439€683-
Trade debts44€45k€100k▲
Suppliers440/4€45k€100k▲
Taxes, remuneration and social security45€32k€25k▼
Taxes450/3€26k€22k▼
Remuneration and social security454/9€6k€2k▼
Other amounts payable47/48-€20k
Income statement
Code20232024
Remuneration, social security and pensions62€76k€78k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€5k▲
Other operating charges640/8€11k€9k▼
Gross operating margin9900€111k€107k▼
Operating profit (loss)9901€21k€15k▼
Financial income75/76B€7k€7k▼
Recurring financial income75€2k€1k▼
Non-recurring financial income76B€5k€6k▲
Financial charges65/66B€9k€8k▼
Recurring financial charges65€9k€8k▼
Profit (loss) for the period before taxes9903€19k€14k▼
Income taxes67/77€6k€6k▲
Profit (loss) for the period9904€13k€8k▼
Profit (loss) for the period to be appropriated9905€13k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€11k€8k▼
Profit (loss) brought forward from the previous period14P€-1k-
Transfer from equity791/2-€2k
Transfer to equity691/2€11k€2k▼
To other reserves6921€11k€2k▼
Profit to be distributed694/7-€20k
Return on contributions (dividend)694-€20k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
09-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 9 days late
2023
01-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 1 day late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-12
Financial
Highest result since 2018net €66k ▲255%
Operating result €33k, net result €66k, both a record.
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
31-12
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Weakest financial yearnet €-283 ▼107%
Net result drops to €-283, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
10-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 10 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
2016
13-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Schoten · 1 establishment unit since 1993
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.
Vijverlei 92900 SchotenGround area
2,638 m²
Building footprint
135 m²
Volume, LiDAR
1,264 m³
Parcel 11040D0155/00P006, Flanders · tallest building 20.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
FOBIE BVBA
since 19932.041.933.439
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11040D0155/00P006 | Flanders | 2,637 m² | 1 · 135 m² | 20.5 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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DE RIGO COOLING EQUIPMENT
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VENTICHIM
BE 0631.708.936
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ADC SOLAR CORSWAREM
BE 0898.923.447
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G.A.F.
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Of 144 companies in sector 46647 we hold annual accounts for 91. 77 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-02-1989
Fiscal year end31-12
Activities, NACEBEL
46647Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.