FYBERTEC

Active

Private limited companyfounded 20223 yrs activePrins Karelsquare 27, 1020 Brussel, BelgiumKBO/BCE: BE 0792.889.183

The computed 12-month bankruptcy probability of FYBERTEC is 4.1% (elevated). The 2025 annual accounts show equity of €27k and a net result of €16k. Equity is growing by ~17.2% per year across the filed fiscal years. Its solvency ranks better than 42% of 4472 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

59 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability94▲+94

Solvency58▼-6

Growth78▲+46

Track record94

Bankruptcy probability, 12 months

4.1% Elevated

0%0.5%1.5%4%10%≥ 25%

Credit up to €1.5k at 30 days only on tighter terms

Liquidity tight (current ratio 1.32 against 1.63 in 2024; short-term debt: 66.6% and cash: 32.2% of total assets), and 66.6% of the assets are financed with debt.

How do we compute the score and the probability?

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

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

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 81

Relative position

BE, all sectors

reference

Sector 81

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

33.4%

Return on assets

20.3%

Age of the figures

9 mo

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-09-2026, 39 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 · 3 filings

Deviation from the deadline

2025

39 d late

2024

62 d late

2023

314 d late

← before the deadline after the deadline →

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 months

Position in the running window

20-09-2026 today31-12-2026 close31-07-2027 deadline

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

€27k▲ 156%

2024 · €10k

2023: €20k 2024: €10k

2023 → 2025

Total assets

€80k▲ 200%

2024 · €27k

2023: €25k 2024: €27k

2023 → 2025

Net result

€16k

2024 · €-9k

2023: €16k 2024: €-9k

2023 → 2025

Working capital

€17k▲ 63.6%

2024 · €10k

2023: €20k 2024: €10k

2023 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202320242025Trend

Equity€20k-€10k▼ 47.4%€27k▲ 156%

Operating result€16k-€-9k€23k

Net result€16k-€-9k€16k

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result returns to profit in 2025: €23k after a loss of €9k in 2024, the highest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €80k

12.4%

87.6%

Fixed assets €10k▲ 6,047%

Current assets €70k▲ 164%

Equity and liabilities €80k

33.4%

66.6%

Equity €27k▲ 156%

Debt €53k▲ 228%

The debt ratio rises from 60.8% to 66.6%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€23k▲

2024 · €-9k

Cash flow

€17k▲

2024 · €-9k

Solvency

33.4%▼

2024 · 39.2%

Current ratio

1.32▼

2024 · 1.63

Quick ratio

1.32▼

2024 · 1.63

Debt / equity

1.99▲

2024 · 1.55

ROE

60.9%▲

2024 · -90.1%

ROA

20.3%▲

2024 · -35.3%

Interest coverage

64.60▲

2024 · -216.49

Debt

€53k▲

2024 · €16k

Debt ≤ 1 year

€53k▲

2024 · €16k

Income taxes

€6k

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€27k€80k▲

Fixed assets21/28€161€10k▲

Tangible fixed assets22/27€161€10k▲

Plant, machinery and equipment23€161-

Furniture and vehicles24-€10k

Current assets29/58€27k€70k▲

Amounts receivable within one year40/41€26k€44k▲

Trade receivables40€18k€33k▲

Other amounts receivable41€9k€12k▲

Cash at bank and in hand54/58€109€26k▲

Equity and liabilities

Total equity and liabilities10/49€27k€80k▲

Equity10/15€10k€27k▲

Contributions10/11€4k€4k=

Profit (loss) carried forward14€6k€23k▲

Amounts payable17/49€16k€53k▲

Amounts payable within one year42/48€16k€53k▲

Trade debts44€16k€51k▲

Suppliers440/4€16k€51k▲

Taxes, remuneration and social security45-€3k

Taxes450/3-€3k

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€190€249▲

Other operating charges640/8€160-

Gross operating margin9900€-9k€23k▲

Operating profit (loss)9901€-9k€23k▲

Financial charges65/66B€43€353▲

Recurring financial charges65€43€353▲

Profit (loss) for the period before taxes9903€-9k€22k▲

Income taxes67/77-€6k

Profit (loss) for the period9904€-9k€16k▲

Profit (loss) for the period to be appropriated9905€-9k€16k▲

Appropriation of the result

Profit (loss) to be appropriated9906€6k€23k▲

Profit (loss) brought forward from the previous period14P€16k€6k▼

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

All 5Financial 2Filings 3

Next filing, fiscal year 2026, expected by 31-07-2027

2026

08-09

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 39 days late

2025

31-12

Financial Back to profitnet €16k

Net result €16k after one loss-making year.

01-10

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 62 days late

10-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 314 days late

2024

31-12

Financial Weakest financial yearnet €-9k ▼159%

Net result drops to €-9k, the lowest in the series; recovery starts the following year.

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

no sitting director, no change since 2025

We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.

19-11-2025 Resigned as Director

Location & real-estate footprint

Registered office, Brussel · 1 establishment unit since 2022

establishment The establishment unit 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.

Prins Karelsquare 271020 Brussel

Ground area

93 m²

Building footprint

67 m²

Volume, LiDAR