FOVEA

Active

Private limited companyfounded 20224 yrs activeMierenleeuwstraat 10, 3520 Zonhoven, BelgiumKBO/BCE: BE 0789.484.384

The computed 12-month bankruptcy probability of FOVEA is 1.7% (moderate). The 2025 annual accounts show equity of €4k and a net result of €105. Its solvency ranks better than 25% of 7892 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

39 / 100

Weak▲ +21 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability13▲+9

Solvency23▲+1

Growth78

Stability94

Bankruptcy probability, 12 months

1.7% Moderate

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity short (current ratio 0.96 against 0.87 in 2024), and 80.5% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 →

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 7892 sector peers (2025).

NBB · sector comparison

Position among 7892 sector peers

Solvency

better than 25%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-07-2026, 22 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

22 d early

2024

9 d early

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

12-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, abbreviated schema

Equity

€4k▲ 2.7%

2024 · €4k

2024: €4k

2024 → 2025

Total assets

€21k▲ 6.0%

2024 · €19k

2024: €19k

2024 → 2025

Net result

€105▲ 202%

2024 · €35

2024: €35

2024 → 2025

Working capital

€-598▲ 70.9%

2024 · €-2k

2024: €-2k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€4k-€4k▲ 2.7%

Operating result€650-€2k▲ 161%

Net result€35-€105▲ 202%

Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result rises in 2025; 2025 is 161% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €21k

22.4%

77.6%

Fixed assets €5k▼ 22.7%

Current assets €16k▲ 18.7%

Equity and liabilities €21k

19.5%

80.5%

Equity €4k▲ 2.7%

Debt €17k▲ 6.8%

The debt ratio rises from 79.9% to 80.5%: debt grows faster than equity.

Key figures and ratios

2025 value · change against 2024

EBITDA

€3k▲

2024 · €762

Cash flow

€1k▲

2024 · €147

Solvency

19.5%▼

2024 · 20.1%

Current ratio

0.96▲

2024 · 0.87

Quick ratio

0.12▼

2024 · 0.48

Debt / equity

4.12▲

2024 · 3.96

ROE

2.6%▲

2024 · 0.9%

ROA

0.5%▲

2024 · 0.2%

Interest coverage

1.92▲

2024 · 1.24

Debt

€17k▲

2024 · €15k

Debt ≤ 1 year

€17k▲

2024 · €15k

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 · 2025 against 2024

Balance sheet Code20242025

Assets

Total assets20/58€19k€21k▲

Fixed assets21/28€6k€5k▼

Tangible fixed assets22/27€6k€5k▼

Plant, machinery and equipment23€6k€5k▼

Current assets29/58€13k€16k▲

Stocks and contracts in progress3€6k€14k▲

Contracts in progress37€6k€14k▲

Amounts receivable within one year40/41€3k-

Trade receivables40€3k-

Cash at bank and in hand54/58€5k€2k▼

Equity and liabilities

Total equity and liabilities10/49€19k€21k▲

Equity10/15€4k€4k▲

Contributions10/11€2k€2k=

Capital10€2k€2k=

Issued capital100€2k€2k=

Profit (loss) carried forward14€2k€2k▲

Amounts payable17/49€15k€17k▲

Amounts payable within one year42/48€15k€17k▲

Trade debts44€550€1k▲

Suppliers440/4€550€1k▲

Taxes, remuneration and social security45€3k€2k▼

Taxes450/3€3k€2k▼

Other amounts payable47/48€12k€13k▲

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€112€1k▲

Other operating charges640/8€732€247▼

Gross operating margin9900€1k€3k▲

Operating profit (loss)9901€650€2k▲

Financial income75/76B€0-

Recurring financial income75€0-

Financial charges65/66B€615€2k▲

Recurring financial charges65€615€2k▲

Profit (loss) for the period before taxes9903€35€105▲

Profit (loss) for the period9904€35€105▲

Profit (loss) for the period to be appropriated9905€35€105▲

Appropriation of the result

Profit (loss) to be appropriated9906€2k€2k▲

Profit (loss) brought forward from the previous period14P€2k€2k▲

The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 2Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

09-07

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

2025

22-07

NBB filing Annual accounts filed

fiscal year 2024 · 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, Zonhoven · 1 establishment unit since 2022

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.

Mierenleeuwstraat 103520 Zonhoven

Ground area

352 m²

Building footprint

108 m²

Volume, LiDAR

91 m³

Parcel 71066B1211/00L000, Flanders · tallest building 7.4 m. Linked by address, not a title deed.

1 establishment unit

FOVEA

Mierenleeuwstraat 10, 3520 ZonhovenAgents in the wholesale of timber and building materials

since 20222.334.389.627

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
71066B1211/00L000	Flanders	351 m²	1 · 108 m²	7.4 m

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.

Similar companies · same sector, comparable size

MY concepts & design

BE 0827.017.446

Liège · Eq €4k

Technical Enterprises Company Belgium

BE 0739.585.309

Sint-Lambrechts-Woluwe · Eq €4k

Of 6,127 companies in sector 46190 we hold annual accounts for 2,553. 840 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded08-08-2022

Fiscal year end31-12

Activities, NACEBEL

46190Agents in non-specialised wholesale trade

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.