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FPJF MANAGEMENT

Active
Private limited companyfounded 201114 yrs activeTilleul 190, 4861 Pepinster, BelgiumKBO/BCE: BE 0842.103.223
Summary

FPJF MANAGEMENT has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €443,698 and a net result of €114,332. Equity is growing by ~21.7% per year across the filed fiscal years. Its solvency ranks better than 75% of 12918 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch ReportCompare
FPJF MANAGEMENTActiveChecked score 97/100
Risk analysis ReportCompare

Overview

Activity
Agents in non-specialised wholesale trade
NACE 46190
#6 company by equity in Pepinster, Wholesale and retail trade sector1 site
Size
€613,235total assets 2025
Equity
€443,698
Profit
€114,332
Turnover not published (abridged schema)
Financial health
97 Excellent Checked score 2025
Bankruptcy chance 12 m
0.1%
Structure
Accounts 30 d early0 of 3 deeds read
Why 97+ Size: total assets €613,235+ Figures for FY 2025 (filed 01-07-2026)+ Founded in 2011+ Equity €443,698 (72.4% of total assets)Show the evidence

Checked score

Score 2025
97 / 100
Excellent
Probability in this band: under 0.55%
Better than 77% of its sector peers (NACE 46, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 97+5
equity 72.4% of total assets
Liquidity 56+1
short-term debt 12.5% · cash 5.8%
Profitability 92+15
return on assets 18.6%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,775 companies)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%● 0.0% vs 11-2024 01-2025: 0.1%● 0.0% vs 12-2024 02-2025: 0.1%▲ +4.3% vs 01-2025 03-2025: 0.1%● 0.0% vs 02-2025 04-2025: 0.1%▲ +14.6% vs 03-2025 05-2025: 0.1%▲ +4.5% vs 04-2025 06-2025: 0.1%▲ +3.5% vs 05-2025 07-2025: 0.2%▲ +60.5% vs 06-2025highest value 08-2025: 0.1%▼ -39.3% vs 07-2025 09-2025: 0.1%● 0.0% vs 08-2025 10-2025: 0.1%● 0.0% vs 09-2025 11-2025: 0.1%● 0.0% vs 10-2025 12-2025: 0.1%▲ +0.9% vs 11-2025 01-2026: 0.1%● 0.0% vs 12-2025 02-2026: 0.1%▲ +0.9% vs 01-2026 03-2026: 0.1%● 0.0% vs 02-2026 04-2026: 0.1%▲ +14.4% vs 03-2026 05-2026: 0.1%▲ +4.4% vs 04-2026 06-2026: 0.1%▲ +1.4% vs 05-2026 07-2026: 0.2%▲ +13.3% vs 06-2026 08-2026: 0.1%▼ -53.7% vs 07-2026lowest value 09-2026: 0.1%● 0.0% vs 08-2026lowest value 10-2026: 0.1%● 0.0% vs 09-2026lowest value
  • Size: total assets €613,235 lowers the probability for this profile
  • Figures for FY 2025 (filed 01-07-2026) lowers the probability
  • Founded in 2011 lowers the probability for this profile
  • Equity €443,698 (72.4% of total assets) lowers the probability
Credit up to €40,000 at 30 days acceptable
Liquidity ample (current ratio 4.42 against 3.4 in 2024; short-term debt: 12.5% and cash: 5.8% of total assets), and 27.6% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 46, micro). Better than this share of them on solvency 77%, liquidity 61%, profitability 86%, growth against the median 83%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Size: total assets €613,235
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Figures for FY 2025 (filed 01-07-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Founded in 2011
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Equity €443,698 (72.4% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
30 d early
2024
1 d early
2023
2 d early
2022
28 d early
2021
83 d early
2020
46 d early
2019
51 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 34 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.

Checked, nothing found (2)
neutral · 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. Usually files around 3 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Annual accounts filedfiscal year 2023 · micro…

Key points

  • Positive: Result rose in 2025from €30,482 to €114,332 ▲ 275% View
  • Positive: Among the best 5% on net resultsector median €5,584 · 12,926 companies €114,332 View
  • Positive: Always filed on timeaccounts within the deadline every year 8 years View
  • Positive: 8 profitable years in a rowprofit 2025: €114,332 8 years View

By topic

Financials

Fiscal year
2025
Total assets
€613,235
Profit
€114,332
Solvency
72.4%
Total assets▲ 24.7%
Net result
20182025
Go to Financials

Timeline

Events
16
Since
2017
Next accounts
by 31-07-2027
  1. 01-07-2026Annual accounts filed
  2. 30-07-2025Annual accounts filed
  3. 29-07-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Agents in non-specialised wholesale tradeNACE 46190
Founded
23-12-2011
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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