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Complete company report
Generated 10-08-2026
Active BE 0424.351.046Private limited company (pre-2019)

FONDERIE

· 43 yrs active
Conclusion Checked

The computed 12-month bankruptcy probability of FONDERIE is 5.3% (elevated). The 2021 annual accounts show equity of €18k and a net result of €-3k. Equity is shrinking by ~7% per year across the filed fiscal years. The company has been active since 1983 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).

Based on the State Gazette, CBE and 3 annual accounts.
Key figures
Equity €18k
Net result €-3k
Active 43 yrs
Board 1
Snowflake analysis 5 of 5 axes measured · computed by Checked
Health37Profitability0Solvency100Growth32Stability92
52 / 100

Mixed profile: strong on solvency, weaker on profitability.

All 5 axes are computed from data Checked has read.

Health 37
Profitability 0
Solvency 100
Growth 32
Stability 92
Bankruptcy probability (12 mo) Checked model v1 · free
5.3% Elevated
0%0,5%1,5%4%10%≥25%
Annual accounts: weaker financial profile +Recent warning signals +No NACE activity registered +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
3 / 100
Low risk
Components
· 1 administrative flag (+3)
Trust signals 1 signals
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags 1 events
Late accounts filing
Health barometer FY 2021 · computed
37 / 100 Weak
050100
Computed from 3 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

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Computed by Checked from the NBB filing for FY 2021. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 09-06-2021 with the NBB · fiscal year 2021 · micro
€-10k€0€10k€20k€30kOperating result 2019: €30k€30kNet result 2019: €5k€5kOperating result 2020: €2k€2kNet result 2020: €834€834Operating result 2021: €-3k€-3kNet result 2021: €-3k€-3k201920202021
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining Equity: declining trend of ~7%/year over 3 fiscal years, indicative, assuming unchanged policy.
€10k€13k€15k€18k€20k€23k2022: €16k (€15k - €18k)2023: €15k (€13k - €16k)2024: €13k (€12k - €15k)2019: €20k2020: €21k2021: €18k201920202021202220232024
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).

Net profit
€-3k
- 19-21
Total assets
€18k
-31.7% 19-21
Equity
€18k
-17.5% 19-21
Working capital
€21k
+4.1% 19-21
Income taxes
€316
+110.9% 19-21
Debt
€4k
-18.1% 19-21
Debt ≤ 1y
€4k
-18.1% 19-21
Current ratio
5.82
+21.4% 19-21
Quick ratio
5.82
+21.4% 19-21
Solvency
100.0%
+20.8% 19-21
ROE
-16.4%
- 19-21
ROA
-16.4%
- 19-21
Figures by fiscal year
Fiscal year2021
Depositmicro
Revenue-
EBITDA-
Net profit€-3k
Cash flow-
Staff costs-
Income taxes-
Dividends-
Total assets€18k
Equity€18k
Debt-
of which ≤ 1y-
of which > 1y-
Working capital-
Employees (FTE)-
Ratios (computed)
2021
Current ratio-
Quick ratio-
Working capital ratio-
Solvency100.0%
Debt / equity-
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA-16.4%
ROE-16.4%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2021
Balance sheet, Assets
TOTAL ASSETS 20/58€18k
Current assets 29/58€18k
Amounts receivable within one year 40/41€16k
Cash & bank 54/58€2k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€18k
Equity 10/15€18k
Reserves 13€2k
Accumulated profits (losses) 14€-3k
Income statement
Gross operating margin 9900€-3k
Operating result 9901€-3k
Financial charges 65€237
Result before taxes 9903€-4k
Net result for the period 9904€-4k
Result to be appropriated 9905€-4k
You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 2 directors
Current directors & mandates
  • Despigelaere Jonas
    Director
    State Gazette act 22097180 (12-08-2022)
    Current
    12-07-2022 → present
Former directors (1)
  • Christophe Lamiel
    Director
    State Gazette act 22097180 (12-08-2022)
    Former
    - → 12-07-2022
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary -
Legal form Private limited company (pre-2019)(015)
Incorporation15-07-1983
StatusActive
Postal code-
Establishment units 1 location
Establishment
Groothandel in groenten en fruit, muv consumptieaardappelen
since 19832.022.681.810
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (50%) Wallonia 1 (50%)
Parcel (capakey) Region Area Buildings Height / fl.
62087B0147/00S000 Wallonia 5,107 m² - -
23069A0395/00A002 Flanders 1,540 m² 1 · 6,251 m² 14.4 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 15 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
03-04-2026
KBO administration Late accounts filing
2023
17-02-2023
State Gazette act Capital & shares
2022
12-08-2022
State Gazette act Director changes
01-07-2022
State Gazette act Registered-office change
2021
09-06-2021
NBB filing Annual accounts filed
fiscal year 2021 · micro
2020
06-07-2020
NBB filing Annual accounts filed
fiscal year 2020 · micro
2019
26-08-2019
NBB filing Annual accounts filed
fiscal year 2019 · micro
2018
23-08-2018
NBB filing Annual accounts filed
fiscal year 2018 · micro
2017
27-09-2017
NBB filing Annual accounts filed
fiscal year 2017 · micro
2016
17-09-2016
NBB filing Annual accounts filed
fiscal year 2016 · verkort
2015
24-08-2015
NBB filing Annual accounts filed
fiscal year 2015 · verkort
2014
28-08-2014
NBB filing Annual accounts filed
fiscal year 2014 · verkort
2013
31-10-2013
NBB filing Annual accounts filed
fiscal year 2013 · verkort
2012
26-12-2012
NBB filing Annual accounts filed
fiscal year 2012 · verkort
Lifecycle & Insolvency Signals 1 events
03-04-2026
KBO administration Late accounts filing
 · Publications in State Gazette ↗
Time machine, BS events + macro context 2021, 2026
COVID lockdownEnergiecrisisECB hikes2021202220232024202520262026-04-03 · KBO administration · Late accounts filing
Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Belgisch Staatsblad, acts 3 acts
Capital history · 1
17-02-2023
Capital change
Address history · 1
01-07-2022
Registered-office move
All acts · 3 updated 3 years ago
2023
17-02-2023 Transaction in capital or shares Capital & shares
Technical details 
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      "subscribers": [
        {
          "kbo": null,
          "rrn": "142308754",
          "kind": "person",
          "name": "Meneer Versluis Devon",
          "share_class": null,
          "liberation_pct": null,
          "contribution_kind": null,
          "n_shares_subscribed": 100,
          "contribution_amount_eur": null
        }
      ],
      "decrease_purpose": null,
      "contribution_type": null,
      "paid_up_delta_eur": null,
      "n_shares_destroyed": null,
      "not_yet_called_eur": null,
      "merger_new_shares_n": null,
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      "distribution_amount_eur": null,
      "statutory_unavailable_equity_op": null
    },
    {
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      "subscribers": [
        {
          "kbo": null,
          "rrn": "00.03.01-225.86",
          "kind": "person",
          "name": "Meneer Despiegelaere Jonas",
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      "statutory_unavailable_equity_op": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": null,
    "filing_date": "2023-02-09",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
    "body": "algemene_vergadering",
    "act_date": "2023-02-09",
    "unanimous": null,
    "under_authorized_capital": false,
    "underlying_resolution_date": null
  },
  "bedrijfsrevisor": null,
  "subject_company": {
    "kbo": "0424.351.046",
    "name_full": "FONDERIE",
    "legal_form": "BV",
    "is_foreign_registered": false
  },
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
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  },
  "co_filed_documents": [],
  "shareholders_after": [
    {
      "kbo": null,
      "pct": 100.0,
      "kind": "person",
      "name": "Meneer Versluis Devon",
      "role": "aandeelhouder",
      "n_shares": 100,
      "share_class": null
    },
    {
      "kbo": null,
      "pct": 0.0,
      "kind": "person",
      "name": "Meneer Despiegelaere Jonas",
      "role": null,
      "n_shares": 0,
      "share_class": null
    }
  ],
  "share_classes_after": []
}
2022
12-08-2022 1 director appointed, 1 resigning Director changes
  • Despigelaere Jonas, Bestuurder
  • Christophe Lamiel, Bestuurder
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Christophe Lamiel",
        "address": null,
        "birth_date": null,
        "profession": null,
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      },
      "reason": "eervol",
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2022-07-12",
      "evidence_quote": "De bijzondere algemene vergadering heeft beslist ontslag te verlenen aan Mevrouw Christophe Lamiel om 12/07/2022",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Despigelaere Jonas",
        "address": null,
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        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2022-07-12",
      "evidence_quote": "en duidt Meneer Despigelaere Jonas vanaf 12/07/2022 aan als nieuwe bestuurder met onmiddelijke ingang.",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "indefinite",
        "value": null
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2022-08-12",
    "filing_date": null,
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "buitengewone_algemene_vergadering",
      "date": "2022-07-12",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0424.351.046",
    "name_full": "FONDERIE",
    "legal_form": "BVBA"
  },
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
01-07-2022 Registered office moved to DILBEEK Registered-office change
  • OUDESMIDSESTRAAT 20 1700 DILBEEK
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_social",
      "new_address": {
        "raw": "OUDESMIDSESTRAAT 20\n1700 DILBEEK",
        "city": "DILBEEK",
        "region": "vlaams_gewest",
        "street": "OUDESMIDSESTRAAT",
        "country": "BE",
        "postcode": "1700",
        "box_number": null,
        "street_number": "20",
        "locality_suffix": null
      },
      "old_address": null,
      "effective_date": "2022-06-09",
      "evidence_quote": "",
      "region_changed": false,
      "is_statute_change": true,
      "nationality_change": false,
      "old_address_source": "inferred",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "absolute",
      "statutaire_vs_werkelijke": null,
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Antwerpen",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2022-07-01",
    "filing_date": "2022-06-23",
    "act_kind_objet": "Onderwerp akte:"
  },
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  },
  "publication_proxy": {
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    "org_kbo": null,
    "org_name": null,
    "person_name": "Christophe Lamiel",
    "org_rep_person_name": null,
    "person_role_at_subject": "Bestuurder"
  },
  "co_filed_documents": []
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

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Company registry (CBE) Crossroads Bank
Names & trade names
Legal nameNL FONDERIE
Registration history
  1. 03-04-2026 Late accounts filing
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative