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Fvoo

Active
Private limited companyfounded 20233 yrs activeRue des Ecoles(CER) 22, 4632 Soumagne, BelgiumKBO/BCE: BE 0802.302.242

The computed 12-month bankruptcy probability of Fvoo is 7.3% (elevated). The 2025 annual accounts show negative equity (€-79k) and a net result of €-85k. Its solvency ranks better than 12% of 11297 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
13 / 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-31
Solvency0▼-27
Growth32
Track record94
Bankruptcy probability, 12 months
7.3% Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.65 against 1.32 in 2024; short-term debt: 145.6% and cash: 13.1% of total assets), and equity is negative.
Credit advice for your own amount and term

Signals

Nine signals. The signal on the left, the evidence on the right.
+raises riskneutral
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 date
Age against the risk zone
elevated failure risk from 2 to 8 years 3 years 0 10 y
raises risk · Multiple establishment units
Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.
KBO · establishment units
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 2025
Solvency, return and age of the figures
Solvency
-49.3%
Return on assets
-53%
Age of the figures
15 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies more bankruptcies →
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
2425
2024 to 2025 · latest year €-79k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 2 filings
Deviation from the deadline
2025
1 d early
2024
32 d early
← 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 months
Position in the running window
30-06-2026 close22-09-2026 today31-01-2027 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

Financials · fiscal year 2025, micro schema

Equity
€-79k
2024 · €6k
2024: €6k
2024 → 2025
Total assets
€160k▼ 44.7%
2024 · €290k
2024: €290k
2024 → 2025
Net result
€-85k
2024 · €882
2024: €882
2024 → 2025
Working capital
€-82k
2024 · €67k
2024: €67k
2024 → 2025
Multi-year overview
Available amounts per fiscal year
Line20242025Trend
Equity€6k-€-79k
Operating result€11k-€-78k
Net result€882-€-85k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€-100k€-75k€-50k€-25k€0Operating result 2024: €11k€11kNet result 2024: €882€882Operating result 2025: €-78k€-78kNet result 2025: €-85k€-85k20242025
The operating result turns negative in 2025: a loss of €78k after €11k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €160k
Fixed assets €9k▼ 37.3%
Current assets €151k▼ 45.1%
Key figures and ratios
2025 value · change against 2024
EBITDA
€-72k
2024 · €14k
Cash flow
€-79k
2024 · €4k
Solvency
-49.3%
2024 · 2.0%
Current ratio
0.65
2024 · 1.32
Quick ratio
0.21
2024 · 0.52
Debt / equity
-3.03
2024 · 48.29
ROA
-53.0%
2024 · 0.3%
Interest coverage
-10.22
2024 · 1.37
Debt
€239k
2024 · €284k
Debt ≤ 1 year
€233k
2024 · €208k
Debt > 1 year
€6k
2024 · €76k
Staff costs
€99k
2024 · €34k
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€290k€160k
Fixed assets21/28€15k€9k
Tangible fixed assets22/27€15k€9k
Plant, machinery and equipment23€4k€3k
Furniture and vehicles24€11k€6k
Current assets29/58€275k€151k
Stocks and contracts in progress3€167k€101k
Stocks30/36€167k€101k
Amounts receivable within one year40/41€12k€29k
Trade receivables40€8k€29k
Other amounts receivable41€5k€7
Cash at bank and in hand54/58€94k€21k
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€290k€160k
Equity10/15€6k€-79k
Contributions10/11€5k€5k=
Profit (loss) carried forward14€882€-84k
Amounts payable17/49€284k€239k
Amounts payable after more than one year17€76k€6k
Financial debts170/4€76k€6k
Amounts payable within one year42/48€208k€233k
Current portion of amounts payable after more than one year42€66k€70k
Trade debts44€131k€117k
Suppliers440/4€131k€117k
Taxes, remuneration and social security45€10k€16k
Taxes450/3€1k€2k
Remuneration and social security454/9€9k€14k
Other amounts payable47/48-€31k
Income statement Code20242025
Remuneration, social security and pensions62€34k€99k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€5k
Other operating charges640/8€420€13k
Gross operating margin9900€49k€40k
Operating profit (loss)9901€11k€-78k
Financial income75/76B-€2
Recurring financial income75-€2
Financial charges65/66B€10k€7k
Recurring financial charges65€10k€7k
Profit (loss) for the period before taxes9903€1k€-85k
Income taxes67/77€145-
Profit (loss) for the period9904€882€-85k
Profit (loss) for the period to be appropriated9905€882€-85k
Appropriation of the result
Profit (loss) to be appropriated9906€882€-84k
Profit (loss) brought forward from the previous period14P-€882

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-01-2027
2026
30-01
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2024
30-12
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
NBB filing

Directors · office · real estate

Directors
3 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, Soumagne · 5 establishment units since 2023
establishment All 5 establishment units on the map
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.

Rue des Ecoles(CER) 224632 Soumagne
Ground area
9,051 m²
Building footprint
1,696 m²
Volume, LiDAR
11,350 m³
6 parcels, Wallonia · tallest building 19.4 m, ±6 floors. Linked by address, not a title deed.
5 establishment units
Eros Fléron
Avenue des Martyrs 275, 4620 FléronWholesale trade
since 20232.346.107.425
Eros Oreye
Grand'Route 120, 4360 OreyeWholesale trade
since 20232.346.107.722
Eros Verviers
Rue de l' Harmonie 7, 4800 VerviersWholesale trade
since 20232.346.108.019
Eros Herstal
Rue Pierre Michaux 61, 4683 OupeyeWholesale trade
since 20232.346.108.217
Eros Liège
Rue de la Cathédrale 115, 4000 LiègeWholesale trade
since 20242.353.787.845
6 parcels
Wallonia 6 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
64056B0779/00B000 Wallonia 5,746 m² 1 · 563 m² 9.6 m · 2 fl.
62109B0491/00H000 Wallonia 1,404 m² 1 · 634 m² 8.3 m · 2 fl.
62038A0414/00N000 Wallonia 717 m² 1 · 75 m² 10.1 m · 3 fl.
62021D0106/00R000 Wallonia 689 m² 1 · 165 m² -
63079A1414/00H007 Wallonia 299 m² 1 · 153 m² 17.2 m · 5 fl.
62063A0968/00F000 Wallonia 196 m² 1 · 105 m² 19.4 m · 6 fl.
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 5
6 of 6 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

Of 44 companies in sector 46422 we hold annual accounts for 23. 8 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification
Legal formPrivate limited company
Founded01-06-2023
Fiscal year end30-06
Activities, NACEBEL
46422Wholesale trade
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
46423Wholesale of clothing, excluding workwear and underwear
47120Other non-specialised retail sale
47714Retail trade
47910Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.