Active BE 0474.103.039Private limited company

FOBIS

Lentedreef 5 ·8520 Kuurne, Belgium· 25 yrs active

Sector: Business and other management consultancy (70200)

Conclusion Checked

FOBIS has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €318k and a net result of €30k. Equity is growing by ~7.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 30893 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Based on the State Gazette, CBE and 4 annual accounts.

Key figures

Equity	€318k
Net result	€30k
Better than sector	95%
Active	25 yrs

Financial profile 5 of 5 axes measured · computed by Checked

84 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 94

Profitability 47

Solvency 100

Growth 78

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

0.1% Very low

0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Long-established

Founded in 2001, 25 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score FY 2025 · computed

94 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Indicative credit limit

€30k

estimate, not credit advice

Score history

86 2022

94 2023

94 2024

94 2025

purely financial, excl. current insolvency signals

Score components

Liquidity Current ratio 21.38 (≥ 1.5) +10

Quick ratio Quick ratio 21.38 (≥ 1.0) +5

Leverage Debt/equity 0.03 (< 1.0) +10

Profitability ROE 9% +3

Interest coverage Interest coverage 699.5× (≥ 3×) +8

Profit trend Net profit up YoY +5

Equity growth Equity growing YoY +3

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Financial overview24 NBB filings

Annual accounts filed on 13-03-2026 with the NBB · fiscal year 2025 · micro schema

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~7.2%/year over 4 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 70, Activities of head offices; management consultancy activities · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	97.3%	55.9%	better than 95% of 30893 sector peers
Net result	€30k	€27k	better than 53% of 30902 sector peers
Equity	€318k	€83k	better than 81% of 30919 sector peers
Gross operating margin	€67k	€54k	better than 57% of 30861 sector peers
Total assets	€327k	€186k	better than 66% of 30907 sector peers

EBITDA

€65k

+9.0% 22-25

Net profit

€30k

+12.1% 22-25

Cash flow

€50k

+7.5% 22-25

Total assets

€327k

+6.1% 22-25

Equity

€318k

+7.0% 22-25

Working capital

€182k

+0.7% 22-25

Staff costs

€30

- 22-25

Income taxes

€15k

+15.4% 22-25

Debt

€9k

-17.0% 22-25

Debt ≤ 1y

€9k

-17.0% 22-25

Current ratio

21.38

+20.2% 22-25

Quick ratio

21.38

+20.2% 22-25

Solvency

97.3%

+0.8% 22-25

Debt / equity

0.03

-22.5% 22-25

ROE

9.5%

+4.8% 22-25

ROA

9.2%

+5.7% 22-25

Interest coverage

699.48

+44.1% 22-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025	2024	2023	2022
Deposit	micro schema	micro schema	micro schema	micro schema
Revenue	-	-	-	-
EBITDA	€65k	€59k	€61k	€48k
Net profit	€30k	€27k	€25k	€19k
Cash flow	€50k	€46k	€42k	€35k
Staff costs	-	€30	-	-
Income taxes	€15k	€13k	€19k	€11k
Dividends	-	-	-	-
Total assets	€327k	€308k	€291k	€284k
Equity	€318k	€297k	€274k	€256k
Debt	€9k	€11k	€17k	€27k
of which ≤ 1y	€9k	€11k	€17k	€27k
of which > 1y	-	-	-	-
Working capital	€182k	€181k	€151k	€128k
Employees (FTE)	-	-	-	-

Ratios (computed)

	2025	2024	2023	2022
Current ratio	21.38	17.79	9.93	5.70
Quick ratio	21.38	17.79	9.93	5.70
Working capital ratio	55.6%	58.6%	51.7%	45.1%
Solvency	97.3%	96.5%	94.2%	90.4%
Debt / equity	0.03	0.04	0.06	0.11
Long-term debt ratio	-	-	-	-
Interest coverage	699.48	485.51	128.45	33.84
Gross margin	-	-	-	-
Net margin	-	-	-	-
ROA	9.2%	8.7%	8.7%	6.5%
ROE	9.5%	9.0%	9.3%	7.2%
EBITDA margin	-	-	-	-
Days sales outstanding	-	-	-	-
Days payable outstanding	-	-	-	-
Inventory turnover	-	-	-	-
Days inventory (DSI)	-	-	-	-

Balance-sheet composition 2025

Assets

Fixed assets €136k · 41.6% Current assets €191k · 58.4%

Equity & liabilities

Equity €318k · 97.3% Debt €9k · 2.7%

Full annual accounts (21 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025	2024	2023	2022
Balance sheet, Assets
TOTAL ASSETS	20/58	€327k	€308k	€291k	€284k
Fixed assets	21/28	€136k	€117k	€124k	€129k
Tangible fixed assets	22/27	€136k	€117k	€124k	€129k
Current assets	29/58	€191k	€191k	€168k	€155k
Amounts receivable within one year	40/41	€15k	€11k	€10k	€8k
Cash & bank	54/58	€176k	€181k	€157k	€147k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€327k	€308k	€291k	€284k
Equity	10/15	€318k	€297k	€274k	€256k
Contributions / capital	10/11	€19k	€19k	€19k	€19k
Reserves	13	€299k	€279k	€256k	€238k
Amounts payable	17/49	€9k	€11k	€17k	€27k
Amounts payable within one year	42/48	€9k	€11k	€17k	€27k
Trade debts payable within one year	44	-	-	€1k	-
Income statement
Gross operating margin	9900	€67k	€65k	€66k	€57k
Operating result	9901	€45k	€40k	€45k	€31k
Financial income	75	€63	-	-	-
Financial charges	65	€92	€122	€475	€1k
Result before taxes	9903	€45k	€40k	€44k	€30k
Income taxes	67/77	€15k	€13k	€19k	€11k
Net result for the period	9904	€30k	€27k	€25k	€19k
Result to be appropriated	9905	€30k	€27k	€25k	€19k

Directors & mandates 2 directors

Current directors & mandates

Sabrina Fiévé
Non-statutory director
State Gazette act 24359682 (14-02-2024)

Current
14-02-2024 → present
2 events
- 14-02-2024 Resigned· Niet statutaire zaakvoerder
- 14-02-2024 Appointed· Non-statutory director
Stefaan Verschuere
Non-statutory director
State Gazette act 24359682 (14-02-2024)

Current
14-02-2024 → present
2 events
- 14-02-2024 Resigned· Niet statutaire zaakvoerder
- 14-02-2024 Appointed· Non-statutory director

Legal Structure

NACE primary	Business and other management consultancy(70200)
Legal form	Private limited company(610)
Incorporation	16-02-2001
Status	Active
Postal code	8520

Establishment units 1 location

Liebaardstraat 4 7, 8792 Waregem

NACE 65231

since 20012.093.083.915

Real-estate footprint Source: CBE × cadastre

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
34010A0065/00R000	Flanders	864 m²	1 · 429 m²	17.8 m · 5 fl.
34023B0559/00K007	Flanders	707 m²	1 · 161 m²	8.7 m · 2 fl.

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.

Updates 11 events

All 12Financial 1Gazette 1Filings 10

Next filing, fiscal year 2026, expected by 30-04-2027

2026

13-03

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

30-09

Financial Highest result since 2022net €30k ▲12.1%

Operating result €45k, net result €30k, both a record.

14-03

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

08-03

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

14-02

State Gazette act Statutes amendment

v3.2

2023

10-03

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

15-03

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

12-03

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

2020

19-03

NBB filing Annual accounts filed

fiscal year 2019 · micro schema

2019

15-03

NBB filing Annual accounts filed

fiscal year 2018 · micro schema

2018

13-03

NBB filing Annual accounts filed

fiscal year 2017 · micro schema

2017

16-03

NBB filing Annual accounts filed

fiscal year 2016 · abbreviated schema

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Belgian State Gazette reading coverage 0 of 1 acts read

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts

All acts · 1 updated 2 years ago

2024

14-02-2024 Articles of association amended Statutes amendment

Summary: v3.2

Original publication ↗

Technical details

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  "object_change": {
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  "subject_company": {
    "kbo": "0474.103.039",
    "name_full": "FOBIS"
  },
  "legal_form_change": {
    "new": "Besloten vennootschap met beperkte aansprakelijkheid",
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Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Business and other management consultancy70200Business consulting7022074142

Names & trade names

Legal nameNL

FOBIS

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