FV LAB
ActiveSummary
The computed 12-month bankruptcy probability of FV LAB is 7.8% (elevated). The annual accounts of FV LAB for fiscal year 2025 show a net loss of 113% of total assets and of 83% of the equity at the start of that year. The 2025 annual accounts show equity of €730 and a net result of €-4k. Equity is shrinking by ~32.7% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
29
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency47▼-53
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
7.8%
Elevated
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
balance sheet total too small for a liquidity verdict.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Age of the figures
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
22232425
2022 to 2025 · latest year €-4k
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 09-07-2026, 22 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
22 d early
2024
84 d late
2023
29 d late
2022
16 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€730▼ 83.4%
2024 · €4k
2022: €4k
2023: €6k
2024: €4k
2022 → 2025
Total assets
€3k▼ 37.0%
2024 · €5k
2022: €25k
2023: €7k
2024: €5k
2022 → 2025
Net result
€-4k▼ 122%
2024 · €-2k
2022: €-632
2023: €2k
2024: €-2k
2022 → 2025
Working capital
€730▼ 83.4%
2024 · €4k
2022: €4k
2023: €6k
2024: €4k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€4k-€6k▲ 38.5%€4k▼ 27.3%€730▼ 83.4%
Operating result€-296-€2k€-2k€-4k▼ 128%
Net result€-632-€2k€-2k€-4k▼ 122%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €4k in 2025 against €2k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €3k
Equity
€730 ▼ 83.4%
Debt
€3k ▲ 227%
Debt's share of the balance-sheet total rises from 15.0% to 77.6%. Equity is lower and debt is higher.
Key figures and ratios
Debt ≤ 1 year
€3k▲
2024 · €774
Ratios withheld: a balance sheet total of €3k is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 24 lines
Balance sheet
Code20242025
Assets
Total assets20/58€5k€3k▼
Current assets29/58€5k€3k▼
Amounts receivable within one year40/41€78€648▲
Other amounts receivable41€78€648▲
Cash at bank and in hand54/58€5k€3k▼
Equity and liabilities
Total equity and liabilities10/49€5k€3k▼
Equity10/15€4k€730▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€-601€-4k▼
Amounts payable17/49€774€3k▲
Amounts payable within one year42/48€774€3k▲
Trade debts44€511€3k▲
Suppliers440/4€511€3k▲
Taxes, remuneration and social security45€263-
Taxes450/3€263-
Income statement
Code20242025
Gross operating margin9900€-2k€-4k▼
Operating profit (loss)9901€-2k€-4k▼
Financial charges65/66B€44-
Recurring financial charges65€44-
Profit (loss) for the period before taxes9903€-2k€-4k▼
Profit (loss) for the period9904€-2k€-4k▼
Profit (loss) for the period to be appropriated9905€-2k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-601€-4k▼
Profit (loss) brought forward from the previous period14P€1k€-601▼
The notes to these accounts (1 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-4k
Net result drops to €-4k, the lowest in the series.
23-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 84 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
31-12
Financial
Liquidity times 8current ratio 9.34
Current ratio from 1.22 to 9.34; short-term debt falls from €20k to €725.
16-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 16 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Brussel · 1 establishment unit since 2022
Ground area
702 m²
Building footprint
743 m²
Volume, LiDAR
20,673 m³
Parcel 21807G0211/00Y011, Brussels · tallest building 41.5 m, ±12 floors. Linked by address, not a title deed.
38
companies at this address
See who is registered here
1 establishment unit
FV LAB
since 20222.332.992.926
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21807G0211/00Y011 | Brussels | 702 m² | 1 · 743 m² | 41.5 m · 12 fl. |
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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-06-2022
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.