FPTC
ActiveThe computed 12-month bankruptcy probability of FPTC is 1.8% (moderate). The 2025 annual accounts show equity of €89k and a net result of €54k. Equity is growing by ~17% per year across the filed fiscal years. Its solvency ranks better than 36% of 13270 sector peers (fiscal year 2025). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
48
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+47
Solvency39▲+3
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity tight (current ratio 1.13 against 1.09 in 2024; short-term debt: 83.6% and cash: 5.8% of total assets), and 86.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
13.6%
Return on assets
8.3%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 04-03-2026, 32 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
32 d late
2024
25 d late
2023
22 d late
2022
1 d early
2021
1 d late
2020
2 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close21-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€89k▲ 157%
2024 · €35k
2019: €17k
2020: €23k
2021: €25k
2022: €22k
2023: €29k
2024: €35k
2019 → 2025
Total assets
€651k▲ 104%
2024 · €319k
2019: €47k
2020: €43k
2021: €161k
2022: €295k
2023: €262k
2024: €319k
2019 → 2025
Net result
€54k▲ 975%
2024 · €5k
2019: €42k
2020: €6k
2021: €2k
2022: €-3k
2023: €8k
2024: €5k
2019 → 2025
Working capital
€72k▲ 178%
2024 · €26k
2019: €17k
2020: €23k
2021: €25k
2022: €19k
2023: €27k
2024: €26k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€25k-€22k▼ 12.4%€29k▲ 34.5%€35k▲ 17.0%€89k▲ 157%
Operating result€6k-€138▼ 97.6%€47k▲ 33,529%€33k▼ 29.4%€81k▲ 146%
Net result€2k-€-3k€8k€5k▼ 33.5%€54k▲ 975%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 146% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €651k
Fixed assets
€35k▲ 304%
Current assets
€616k▲ 98.1%
Equity and liabilities €651k
Equity
€89k▲ 157%
Debt
€562k▲ 97.3%
The debt ratio falls from 89.2% to 86.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€94k▲
2024 · €34k
Cash flow
€67k▲
2024 · €6k
Solvency
13.6%▲
2024 · 10.8%
Current ratio
1.13▲
2024 · 1.09
Quick ratio
0.75▼
2024 · 0.77
Debt / equity
6.35▼
2024 · 8.25
ROE
61.0%▲
2024 · 14.6%
ROA
8.3%▲
2024 · 1.6%
Interest coverage
8.42▲
2024 · 1.34
Debt
€562k▲
2024 · €285k
Debt ≤ 1 year
€544k▲
2024 · €285k
Debt > 1 year
€18k
Income taxes
€23k▲
2024 · €6k
Staff costs
€258k▲
2024 · €157k
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€319k€651k▲
Fixed assets21/28€9k€35k▲
Tangible fixed assets22/27€9k€35k▲
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€2k€2k▲
Leasing and similar rights25-€27k
Other tangible fixed assets26€5k€4k▼
Current assets29/58€311k€616k▲
Stocks and contracts in progress3€90k€206k▲
Stocks30/36€90k€206k▲
Amounts receivable within one year40/41€217k€372k▲
Trade receivables40€123k€234k▲
Other amounts receivable41€94k€138k▲
Cash at bank and in hand54/58€4k€38k▲
Deferred charges and accrued income490/1-€527
Equity and liabilities
Total equity and liabilities10/49€319k€651k▲
Equity10/15€35k€89k▲
Contributions10/11€6k€6k=
Reserves13€28k€82k▲
Distributable reserves133€28k€82k▲
Amounts payable17/49€285k€562k▲
Amounts payable after more than one year17-€18k
Financial debts170/4-€18k
Amounts payable within one year42/48€285k€544k▲
Current portion of amounts payable after more than one year42-€10k
Financial debts43€5k€60▼
Credit institutions430/8€5k€60▼
Trade debts44€196k€388k▲
Suppliers440/4€196k€388k▲
Taxes, remuneration and social security45€84k€146k▲
Taxes450/3€80k€133k▲
Remuneration and social security454/9€3k€13k▲
Income statement
Code20242025
Remuneration, social security and pensions62€157k€258k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€13k▲
Other operating charges640/8€461€74k▲
Non-recurring operating charges66A-€6k
Gross operating margin9900€192k€432k▲
Operating profit (loss)9901€33k€81k▲
Financial income75/76B€4k€7k▲
Recurring financial income75€4k€7k▲
Financial charges65/66B€26k€11k▼
Recurring financial charges65€26k€11k▼
Profit (loss) for the period before taxes9903€11k€77k▲
Income taxes67/77€6k€23k▲
Profit (loss) for the period9904€5k€54k▲
Profit (loss) for the period to be appropriated9905€5k€54k▲
Appropriation of the result
Profit (loss) to be appropriated9906€26k€54k▲
Profit (loss) brought forward from the previous period14P€21k-
Transfer to equity691/2€26k€54k▲
To other reserves6921€26k€54k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
04-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 32 days late
2025
30-06
Financial
Highest result since 2019net €54k ▲975%
Operating result €81k, net result €54k, both a record.
25-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
22-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2023
30-06
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Weakest financial yearnet €-3k ▼229%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
01-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 1 day late
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
19-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
30-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Bekkevoort · 2 establishment units since 2009
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.
Leeuwkenstraat 363461 BekkevoortGround area
5,750 m²
Building footprint
882 m²
Volume, LiDAR
5,040 m³
2 parcels, Flanders · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
STEAL THE DEAL
since 20092.175.678.326
FrancoPolo.com
since 20242.364.095.381
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24422D0219/00A002 | Flanders | 5,451 m² | 1 · 814 m² | 7.5 m · 2 fl. |
| 24072B0035/00T000 | Flanders | 299 m² | 1 · 68 m² | 4.0 m |
Linked by address, not proof of ownership
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteHerent2.364.095.381
Similar companies · same sector, comparable size
DE GOEI GOESTING
BE 0475.504.688
Hasselt · Eq €89k
LA DOLCE VITA
BE 0885.682.848
Kortrijk · Eq €89k
WilVen
BE 1012.864.595
Diksmuide · Eq €89k
Misera
BE 0784.995.165
Antwerpen · Eq €89k
Peppermill
BE 0849.688.326
Nieuwerkerken (Limb.) · Eq €89k
Of 20,495 companies in sector 56111 we hold annual accounts for 11,458. 9,692 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-01-2009
Fiscal year end30-06
Activities, NACEBEL
47120Other non-specialised retail sale
47910Retail trade
56101Full-service restaurants
56111Full-service restaurants
46349Wholesale of beverages, general range
46389Wholesale of other food products
46450Wholesale of perfume and cosmetics
47783Retail trade
47784Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.