FSB solution
ActiveSummary
The computed 12-month bankruptcy probability of FSB solution is 2.5% (moderate). The 2025 annual accounts show equity of €2,472 and a net result of €2,472. Its solvency ranks better than 27% of 17,021 sector peers (NACE 56, financial year 2025). The company has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 03-04-2025 Normal situation
- Activity
- Cafés and bars NACE 56301and 4 others
- Joint committee
- 302 Hotels and catering · annual accounts 2025
- Establishment unit
- 2.371.956.638 9870 Zulte, since 03-04-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 17-06-2025
Board and ownership
- ROSCAM Bob HermanDirector
- Hlima OuiriDirector
- ROSCAM Bob Herman120 sharesdeed of 07-04-2025
Financial position
- Bankruptcy probabilitywithin 12 months
- 2.5%
- Gross margin
- €100,722
- Turnover
- ≈ €270,000
- estimated
- Profit
- €2,472
- Equity
- €2,472
- Total assets
- €184,520
- Employees on 31-12-2025
- 6
Score breakdownraises riskSector: Food and beverage service activities (NACE 56)Founded in 2025Equity €2,472 (1.3% of total assets)lowers riskLiquidity: current ratio 0.26, cash €38,986Show the evidence
Checked score
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 56, micro). It does better than 27% of them on solvency, 22% on liquidity and 50% on profitability.
The bankruptcy probability was computed on 04-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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Signals
Searched, nothing found (1)
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 29-06-2026 at the NBB
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Staff
| Item | 31-12-2025 |
|---|---|
| Employees at the balance-sheet date | 6 |
| full-time | 2 |
| part-time | 4 |
| in full-time equivalents | 3.3 |
| Average over the year, in full-time equivalents | 2.3 |
| On a permanent contract | 4 |
| Joined | 25 |
| Left | 19 |
Source: social balance sheet in the 2025 annual accounts
Investments
| Item | 2025 |
|---|---|
| Tangible fixed assets | €30,000 |
| Intangible fixed assets | €120,000 |
| Depreciation and write-downs of the year | €13,562 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
| Line | 2025 |
|---|---|
| Remuneration, social security and pensions62 | €80,477 |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €13,562 |
| Other operating charges640/8 | €3,243 |
| Gross operating margin9900 | €100,722 |
| Operating profit (loss)9901 | €3,440 |
| Financial income75/76B | €2 |
| Recurring financial income75 | €2 |
| Financial charges65/66B | €32 |
| Recurring financial charges65 | €32 |
| Profit (loss) for the period before taxes9903 | €3,410 |
| Income taxes67/77 | €939 |
| Profit (loss) for the period9904 | €2,472 |
| Profit (loss) for the period to be appropriated9905 | €2,472 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €184,520 | |
| Fixed assets21/28 | €136,438 | |
| Intangible fixed assets21 | €110,959 | |
| Tangible fixed assets22/27 | €25,479 | |
| Plant, machinery and equipment23 | €25,479 | |
| Current assets29/58 | €48,082 | |
| Cash at bank and in hand54/58 | €38,986 | |
| Deferred charges and accrued income490/1 | €9,095 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €184,520 | |
| Equity10/15 | €2,472 | |
| Reserves13 | €2,472 | |
| Distributable reserves133 | €2,472 | |
| Amounts payable17/49 | €182,048 | |
| Amounts payable within one year42/48 | €182,048 | |
| Trade debts44 | €10,485 | |
| Suppliers440/4 | €10,485 | |
| Taxes, remuneration and social security45 | €9,067 | |
| Taxes450/3 | €2,598 | |
| Remuneration and social security454/9 | €6,469 | |
| Other amounts payable47/48 | €162,496 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €2,472 |
| + Depreciation and write-downs630 | €13,562 |
| Operating cash flow (approximation) | €16,033 |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 514 companies had the same profile as FSB solution has now. Two years later, 96.9% were still going and 1.8% had gone bankrupt.
- Micro
- under 2 years old
- solvency under 10%
- a profit under 5% of the balance sheet
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of FSB solution itself is higher: 2.5% within 12 months. It rests on far more data about FSB solution than the profile alone.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 514 companies, not a prediction for FSB solution. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Filings with the National Bank (1)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 29-06-2026 | 2026-00210281 |
Board & ownership
Directors
Owners and capital
Shareholders
- ROSCAM Bob Herman 120 shares (100%) · €10,000
Capital transactions
- 07-04-2025 Incorporation · €10,000 · 120 shares
Mandate history
- Board
- mandate already running before its first mention
| Name | Functions and periods |
|---|---|
| ROSCAM Bob Herman |
|
| Hlima Ouiri |
|
| ROSCAM Bob |
|
Network & group
FSB solution shares no director with another company.
Connections & network
2 current directorsThe network starts from the directors of FSB solution. Every other company they run is a node.
Timeline
Deeds, filings and financial milestones
22-10
Gazette deed
Resignation: Bob Roscam (director)Appointment: Hlima Ouiri (director)4 points ▸
- General meeting, 26-08-2026
- Director resignation, Bob Roscam
- Director appointment, Hlima Ouiri
- Director in office, Hlima Ouiri
31-07
Gazette deed
Company renamed from Morfeo to FSB solution“De recuperatie van recyclebaar metaalafval, van recycleerbare ferro- en non-ferrometalen door het mechanisch…” (deed in Dutch)6 points ▸
- General meeting, 25-07-2025
- Incorporation, 03-04-2025
- Name change, FSB solution
- Amendment of the articles, article 1
- Purpose change, “De recuperatie van recyclebaar metaalafval, van recycleerbare ferro- en non-ferrometalen door het mechanisch verbrijzelen en vervolgens sorteren en scheiden van…” (deed in Dutch)
- Amendment of the articles, article 3
- The deed holds 3 more points.
07-04
Gazette deed
IncorporationFounding capital of €10,000, 120 shares · Founder: ROSCAM Bob Herman · Appointment: ROSCAM Bob Herman (director)6 points ▸
- Founder, ROSCAM Bob Herman
- Founding capital, €10,000, 120 shares
- 120 shares
- Registered office clause, Rijksweg 154B, 9870 Zulte
- Board rule, 1
- Director appointment, ROSCAM Bob Herman (director (not named in the articles))
- The deed holds 6 more points.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 20252 activities
- Zelfs of als tussenpersoon alle hulpmiddelen verschaffen, bestuurdersfuncties waarnemen of laten waarnemen en diensten verlenen die direct of indirect verband houden met de voorgaande. Deze diensten kunnen worden geleverd krachtens een contractuele of statutaire benoeming en in de hoedanigheid van externe raadgever of orgaan van de cliënt.
- Alle activiteiten inzake de organisatie van evenementen alsook het geven lessen, workshops en demonstraties in de ruimste zin van het woord.
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 44037A1270/00F000 | Flanders | 3,376 m² | 1 · 362 m² | 10.4 m · 2 |