Summary
Conclusion
the dossier summarised in one paragraphFonticourt is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €98k and a net result of €108k. The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Filing behaviour
From the deposit records, complete market-wideLatest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-06-2026, 52 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
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.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | 09-06-2026 | 52 d early | 2026-00148626 |
| 31-12-2024 | 31-07-2025 | 15-05-2025 | 77 d early | 2025-00094914 |
| 31-12-2023 | 31-07-2024 | 31-07-2024 | on the day | 2024-00318033 |
| 31-12-2022 | 31-07-2023 | 27-07-2023 | 4 d early | 2023-00279186 |
| 31-12-2021 | 31-07-2022 | 19-07-2022 | 12 d early | 2022-20208101 |
| 31-12-2020 | 31-07-2021 | 26-03-2021 | 127 d early | 2021-08600258 |
| 31-12-2019 | 31-07-2020 | 11-06-2020 | 50 d early | 2020-16400173 |
| 31-12-2018 | 31-07-2019 | 08-05-2019 | 84 d early | 2019-12600322 |
| 31-12-2017 | 31-07-2018 | 28-02-2018 | 153 d early | 2018-06200566 |
| 31-12-2016 | 31-07-2017 | 12-05-2017 | 80 d early | 2017-12500204 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsEstablished
Founded in 2016, 10 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneThis is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
Financials
Equity€98k
Net result€108k
Total assets€509k
Solvency19.3%
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 09-06-2026 with the NBB · fiscal year 2025 · verkort
| Fiscal year | 2025 |
|---|---|
| Deposit | verkort |
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €108k |
| Cash flow | n/a |
| Staff costs | - |
| Income taxes | €27k |
| Dividends | €54k |
| Total assets | €509k |
| Equity | €98k |
| Debt | €411k |
| of which ≤ 1y | €45k |
| of which > 1y | €367k |
| Working capital | n/a |
| Employees (FTE) | - |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 19.3% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | 21.2% |
| ROE | 109.6% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
Balance-sheet composition 2025
Full annual accounts (23 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €509k |
| Fixed assets | 21/28 | €328k |
| Intangible fixed assets | 21 | €0 |
| Tangible fixed assets | 22/27 | €328k |
| Current assets | 29/58 | €182k |
| Amounts receivable within one year | 40/41 | €114k |
| Cash & bank | 54/58 | €67k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €509k |
| Equity | 10/15 | €98k |
| Contributions / capital | 10/11 | €30k |
| Reserves | 13 | €68k |
| Amounts payable | 17/49 | €411k |
| Amounts payable after one year | 17 | €367k |
| Amounts payable within one year | 42/48 | €45k |
| Trade debts payable within one year | 44 | €11k |
| Income statement | ||
| Gross operating margin | 9900 | €162k |
| Operating result | 9901 | €140k |
| Financial income | 75 | €360 |
| Financial charges | 65 | €5k |
| Result before taxes | 9903 | €135k |
| Income taxes | 67/77 | €27k |
| Net result for the period | 9904 | €108k |
| Result to be appropriated | 9905 | €108k |
Ratios computed by Checked.
Health barometer
FY 2025 · computedModel not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.
Directors
Directors & mandates
5 directors7 of this company's 7 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing below: a director who resigned there may therefore still show here as sitting. See the acts under Publications.
Current directors & mandates
-
MATFONPrivate limited companyDirector· perm. rep.: Mathieu FonteynState Gazette act 25057435 (05-05-2025)Current24-04-2025 → present
-
LIMASOPrivate limited companyDirector· perm. rep.: WOUTERS Marc Alfons AlbertState Gazette act 21343674 (13-07-2021)Current13-07-2021 → present
-
JumacourtLimited partnershipDirector· perm. rep.: TOURNICOURT StephanState Gazette act 21343674 (13-07-2021)Current08-07-2021 → present
Former directors (2)
-
AYOSPrivate limited company (pre-2019)Manager· perm. rep.: Mangelschots TheoState Gazette act 16157901 (17-11-2016)Former- → 17-11-2016
2 events
- 17-11-2016 Resigned· Manager
- 26-09-2016 Resigned· Manager
-
MARTINELPrivate limited companyManager· perm. rep.: Grieten MaartenState Gazette act 16157901 (17-11-2016)Former- → 17-11-2016
2 events
- 17-11-2016 Resigned· Manager
- 26-09-2016 Resigned· Manager
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Activiteiten van gemengde verzekeringsondernemingen, overwegend niet-leven(65122) |
| Legal form | Private limited company(610) |
| Incorporation | 01-03-2016 |
| Status | Active |
| Postal code | 3580 |
Structure & network
Connections & network
3 connected companiesGroup structure
Sits on the board · 1 subsidiary · 1 location
Control→
Sits on the board · 1 subsidiary · 1 location
Control→
Sits on the board · 1 subsidiary · 1 location
Control→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Ownership & control
3 partiesControl over this companysits on this company's board3
controls
FonticourtBE 0649.770.138
Each band states what its claims rest on. A board seat is influence over the board, not ownership. Court mandates (receiver, interim administrator) and liquidation mandates do not link companies and are therefore absent here; they belong under Directors & mandates.
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationFonticourt
since 20162.252.313.571
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area8,036 m²
Buildings2
Building footprint604 m²
Volume (LiDAR)2,718 m³
Tallest building13.0 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71004A0149/00P002 | Flanders | 7,595 m² | 1 · 289 m² | 13.0 m · 1 fl. |
| 71004C0265/00L000 | Flanders | 440 m² | 1 · 315 m² | 9.9 m · 2 fl. |
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
6 acts Address history · 1
01-04-2026
Registered seat: 3580 Beringen, Ward Schoutedenstraat 1
All acts · 6
updated 5 months ago
2026
01-04-2026 Act object · Notarial deed · General meeting · Incorporation
- Publication: 2026-04-01 · WOUTERS & PARTNERS
- Filing: 2026-03-30 · WOUTERS & PARTNERS
- Act object: BENAMING, MAATSCHAPPELIJKE ZETEL · WOUTERS & PARTNERS
- Notarial deed: 2026-03-30 · WOUTERS & PARTNERS
- General meeting: 2026-03-30 · WOUTERS & PARTNERS
- Incorporation: 2016-03-01 · WOUTERS & PARTNERS
- Statute amendment: 2021-12-02 · WOUTERS & PARTNERS
- Company name: Fonticourt · WOUTERS & PARTNERS
- Registered seat: 3580 Beringen, Ward Schoutedenstraat 1 · WOUTERS & PARTNERS
- Power of attorney: coördinatie van de statuten · Benjamin DEPUYDT
- Power of attorney: coördinatie van de statuten · Benjamin BODDEZ
Summary:
Act object · Notarial deed · General meeting · IncorporationNotary:
Benjamin BODDEZ
2025
05-05-2025 Mathieu Fonteyn appointed as director
2021
13-07-2021 1 director appointed, 1 reappointed
- TOURNICOURT Stephan, Bestuurder
- WOUTERS Marc Alfons Albert, Bestuurder
Summary:
v3.2
2016
17-11-2016 2 resigning
20-10-2016 2 resigning
18-03-2016 Incorporation of a new BV
Summary:
oprichting
Analysis
Financial profile
3 of 5 axes measured77
/ 100
This figure rests on 3 of 5 axes. Too few to say where this company is strong or weak.
Computed on 3 of 5 axes. Not measured: health, growth. An unmeasured axis is not a zero: no data was read for it.
Health
-
Profitability
100
Solvency
46
Growth
-
Stability
85
Credit advice
verdict per customer and amountSimilar
Similar companies
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BE 0885.165.679 · Overijse
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 4 of the 127 companies in this sector.
Company registry
Company registry (CBE)
Crossroads BankActivities
Activiteiten van gemengde verzekeringsondernemingen, overwegend niet-leven65122Activiteiten van verzekeringsagenten en -makelaars66220
Primary activity highlighted.
Names & trade names
| Legal nameNL | Fonticourt |
Registered office
Ward Schoutedenstraat 1
3580 Beringen, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.