FV-Service
ActiveFV-Service has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €46k and a net result of €-6k. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 33% of 4604 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability65=
Solvency47▼-1
Growth52=
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.03 against 0.81 in 2024; short-term debt: 78.4% and cash: 28.7% of total assets), and 78.4% 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 49
Relative position
BE, all sectors
reference
Sector 49
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
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 2025Solvency, return and age of the figures
Solvency
21.6%
Return on assets
-2.6%
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
1819202122232425
2018 to 2025 · latest year €-6k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
61 d late
2023
21 d early
2022
28 d late
2021
22 d late
2020
31 d late
2019
81 d late
← before the deadline
after the deadline →
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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€46k▼ 10.8%
2024 · €52k
2018: €46k
2019: €44k
2020: €51k
2021: €147k
2022: €87k
2023: €59k
2024: €52k
2018 → 2025
Total assets
€215k▼ 3.0%
2024 · €222k
2018: €223k
2019: €218k
2020: €263k
2021: €261k
2022: €160k
2023: €151k
2024: €222k
2018 → 2025
Net result
€-6k▲ 20.9%
2024 · €-7k
2018: €37k
2019: €-2k
2020: €8k
2021: €95k
2022: €-59k
2023: €-28k
2024: €-7k
2018 → 2025
Working capital
€4k
2024 · €-33k
2018: €32k
2019: €-30k
2020: €-37k
2021: €5k
2022: €-11k
2023: €-42k
2024: €-33k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€147k-€87k▼ 40.5%€59k▼ 32.4%€52k▼ 12.0%€46k▼ 10.8%
Operating result€131k-€-60k€-28k▲ 53.7%€-7k▲ 76.1%€-5k▲ 22.1%
Net result€95k-€-59k€-28k▲ 52.3%€-7k▲ 75.0%€-6k▲ 20.9%
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 €5k in 2025 against €7k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €215k
Fixed assets
€42k▼ 50.5%
Current assets
€173k▲ 26.3%
Equity and liabilities €215k
Equity
€46k▼ 10.8%
Debt
€169k▼ 0.6%
The debt ratio rises from 76.6% to 78.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€17k▼
2024 · €23k
Cash flow
€16k▼
2024 · €23k
Solvency
21.6%▼
2024 · 23.4%
Current ratio
1.03▲
2024 · 0.81
Quick ratio
0.64▲
2024 · 0.43
Debt / equity
3.64▲
2024 · 3.27
ROE
-12.1%▲
2024 · -13.6%
ROA
-2.6%▲
2024 · -3.2%
Interest coverage
73.44▼
2024 · 102.29
Debt
€169k▼
2024 · €170k
Debt ≤ 1 year
€169k▼
2024 · €170k
Income taxes
€180▼
2024 · €194
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€222k€215k▼
Fixed assets21/28€85k€42k▼
Tangible fixed assets22/27€85k€42k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€80k€39k▼
Current assets29/58€137k€173k▲
Stocks and contracts in progress3€65k€65k=
Stocks30/36€65k€65k=
Amounts receivable within one year40/41€33k€44k▲
Trade receivables40€32k€44k▲
Other amounts receivable41€554€917▲
Cash at bank and in hand54/58€36k€62k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€222k€215k▼
Equity10/15€52k€46k▼
Contributions10/11€50k€50k=
Reserves13€2k-
Distributable reserves133€2k-
Profit (loss) carried forward14-€-4k
Amounts payable17/49€170k€169k▼
Amounts payable within one year42/48€170k€169k▼
Trade debts44€22k€18k▼
Suppliers440/4€22k€18k▼
Taxes, remuneration and social security45€541€521▼
Taxes450/3€541€521▼
Other amounts payable47/48€147k€150k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€22k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€1k-
Other operating charges640/8€2k€13k▲
Gross operating margin9900€26k€30k▲
Operating profit (loss)9901€-7k€-5k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€225€230▲
Recurring financial charges65€225€230▲
Profit (loss) for the period before taxes9903€-7k€-5k▲
Income taxes67/77€194€180▼
Profit (loss) for the period9904€-7k€-6k▲
Profit (loss) for the period to be appropriated9905€-7k€-6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€-6k▲
Transfer from equity791/2€7k€2k▼
The notes to these accounts (7 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Weakest financial yearnet €-59k ▼162%
Net result drops to €-59k, the lowest in the series; recovery starts the following year.
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
31-12
Financial
Highest result since 2018net €95k ▲1164%
Operating result €131k, net result €95k, both a record.
31-12
Financial
Equity above €100kEq €147k ▲185%
2 profitable years in a row build equity to €147k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
20-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 81 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 59 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Ardooie · 1 establishment unit since 2010
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.
Cijnsmolenstraat 98850 ArdooieGround area
5,644 m²
Building footprint
257 m²
Volume, LiDAR
1,353 m³
Parcel 36001D0310/00E000, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FV-Service
since 20102.185.450.085
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36001D0310/00E000 | Flanders | 5,644 m² | 1 · 257 m² | 9.2 m · 2 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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 2 entries · 68 EUR awarded · 68 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 35 EUR | 35 EUR |
| 2023 | 1 | 33 EUR | 33 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
PETER TRANSPORT
BE 0652.885.719
Evere · Eq €46k
ERA TRANS
BE 0872.500.845
Elsene · Eq €46k
DDP TRANSPORTATION
BE 1007.679.550
Grimbergen · Eq €46k
VAN DE VELDE TRANSPORT
BE 0439.637.652
Malle · Eq €46k
TEK TRANSMAT
BE 0426.687.855
Liège · Eq €46k
Of 12,604 companies in sector 49410 we hold annual accounts for 8,202. 5,952 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-02-2010
Fiscal year end31-12
Activities, NACEBEL
49410Freight transport by road
01610Support activities for crop production
43331Floor and wall tiling
43341Painting of buildings
46610Wholesale trade
81230Other cleaning activities
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.