FABIANI
ActiveSummary
FABIANI has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €23,002 and a net result of -€14,348. Equity remains stable across the filed fiscal years (±1.3% per year). Its solvency ranks better than 52% of 4231 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency63▼-10
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity ample (current ratio 1.59 against 1.88 in 2024; short-term debt: 60.2% and cash: 11.4% of total assets), but 62.2% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
37.8%
Return on assets
-23.6%
Age of the figures
20 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
19202122232425
2019 to 2025 · latest year -€14,348
neutral · Filed after the deadline
The financial year that closed on 31-01-2025 was due by 31-08-2025 and was filed on 30-09-2025, 30 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
2026
not confirmed
2025
30 d late
2024
38 d late
2023
120 d late
2022
30 d late
2021
30 d late
2020
60 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 51 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€14,348▼ 9.1%
2024 · -€13,148
Working capital
€21,470▼ 38.3%
2024 · €34,803
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€3,168€20,044▲ 533%€7,592▼ 62.1%-€10,279-€11,861▼ 15.4%
Net result€1,757below the sector's middle half€17,952within the sector's middle half▲ 922%€2,600within the sector's middle half▼ 85.5%-€13,148below the sector's middle half-€14,348below the sector's middle half▼ 9.1%
Equity€29,946below the sector's middle half€47,898below the sector's middle half▲ 59.9%€50,498below the sector's middle half▲ 5.4%€37,350below the sector's middle half▼ 26.0%€23,002below the sector's middle half▼ 38.4%
Total assets€55,564below the sector's middle half▼ 15.7%€84,146below the sector's middle half▲ 51.4%€91,461below the sector's middle half▲ 8.7%€78,022below the sector's middle half▼ 14.7%€60,857below the sector's middle half▼ 22.0%
Debt€25,618▼ 32.2%€36,247▲ 41.5%€40,963▲ 13.0%€40,673▼ 0.7%€37,855▼ 6.9%
Working capital€31,375within the sector's middle half▲ 4.5%€46,386within the sector's middle half▲ 47.8%€47,209within the sector's middle half▲ 1.8%€34,803within the sector's middle half▼ 26.3%€21,470within the sector's middle half▼ 38.3%
Solvency53.9%within the sector's middle half56.9%above the sector's middle half▲ 3.0pp55.2%within the sector's middle half▼ 1.7pp47.9%within the sector's middle half▼ 7.3pp37.8%within the sector's middle half▼ 10.1pp
Current ratio2.32within the sector's middle half▲ 0.472.34above the sector's middle half▲ 0.022.19within the sector's middle half▼ 0.151.88within the sector's middle half▼ 0.311.59within the sector's middle half▼ 0.29
Return on assets (ROA)3.2%within the sector's middle half▲ 7.0pp21.3%above the sector's middle half▲ 18.2pp2.8%within the sector's middle half▼ 18.5pp-16.9%below the sector's middle half▼ 19.7pp-23.6%below the sector's middle half▼ 6.7pp
Staff (FTE)0.6below the sector's middle half▼ 14.3%0.8below the sector's middle half▲ 33.3%1below the sector's middle half▲ 25.0%1below the sector's middle half=1below the sector's middle half=
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €11,861 in 2025 against €10,279 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
Assets €60,857
Fixed assets
€2,777 ▼ 23.8%
Current assets
€58,080 ▼ 21.9%
Equity and liabilities €60,857
Equity
€23,002 ▼ 38.4%
Debt
€37,855 ▼ 6.9%
Debt's share of the balance-sheet total rises from 52.1% to 62.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€10,993▼
2024 · -€9,411
Cash flow
-€13,480▼
2024 · -€12,280
Quick ratio
0.78▼
2024 · 1.04
Debt to equity
1.65▲
2024 · 1.09
ROE
-62.4%▼
2024 · -35.2%
Interest coverage
-4.99▼
2024 · -3.32
Debt ≤ 1 year
€36,610▼
2024 · €39,574
Income taxes
€345▲
2024 · €115
Staff costs
€39,941▲
2024 · €39,137
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 5,834 companies that looked in July 2024 the way this one looks now, 1.7% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a loss of 10% of the balance sheet or more
1.7%
went bankrupt
13%
stopped otherwise
84%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 5,834 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €23,780 | €35,361 | €39,137 | €39,941 | ▲ 2.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €261 | €434 | €868 | €868 | = |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | -€502 | €1,548 | -€1,096 | -€616 | ▲ 43.8% |
| Other operating charges640/8 | - | €348 | €398 | €865 | €954 | ▲ 10.2% |
| Gross operating margin9900 | €22,407 | €43,931 | €45,333 | €29,495 | €29,287 | ▼ 0.7% |
| Operating profit (loss)9901 | €3,168 | €20,044 | €7,592 | -€10,279 | -€11,861 | ▼ 15.4% |
| Financial income75/76B | - | - | €221 | €82 | €60 | ▼ 26.6% |
| Recurring financial income75 | - | - | €221 | €82 | €60 | ▼ 26.6% |
| Financial charges65/66B | - | €1,532 | €2,918 | €2,836 | €2,202 | ▼ 22.4% |
| Recurring financial charges65 | €1,410 | €1,532 | €2,918 | €2,836 | €2,202 | ▼ 22.4% |
| Profit (loss) for the period before taxes9903 | €1,757 | €18,512 | €4,896 | -€13,033 | -€14,002 | ▼ 7.4% |
| Income taxes67/77 | - | €560 | €2,297 | €115 | €345 | ▲ 201% |
| Profit (loss) for the period9904 | €1,757 | €17,952 | €2,600 | -€13,148 | -€14,348 | ▼ 9.1% |
| Profit (loss) for the period to be appropriated9905 | €1,757 | €17,952 | €2,600 | -€13,148 | -€14,348 | ▼ 9.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €55,564 | €84,146 | €91,461 | €78,022 | €60,857 | ▼ 22.0% |
| Fixed assets21/28 | €392 | €3,103 | €4,513 | €3,645 | €2,777 | ▼ 23.8% |
| Intangible fixed assets21 | - | - | €972 | €772 | €572 | ▼ 25.9% |
| Tangible fixed assets22/27 | - | €2,712 | €3,149 | €2,481 | €1,813 | ▼ 26.9% |
| Furniture and vehicles24 | - | €801 | €1,446 | €986 | €526 | ▼ 46.6% |
| Other tangible fixed assets26 | - | €1,910 | €1,702 | €1,495 | €1,287 | ▼ 13.9% |
| Financial fixed assets28 | €392 | €392 | €392 | €392 | €392 | = |
| Current assets29/58 | €55,172 | €81,042 | €86,948 | €74,377 | €58,080 | ▼ 21.9% |
| Stocks and contracts in progress3 | €26,604 | €29,208 | €31,499 | €33,143 | €29,545 | ▼ 10.9% |
| Stocks30/36 | - | €29,208 | €31,499 | €33,143 | €29,545 | ▼ 10.9% |
| Amounts receivable within one year40/41 | €2,868 | €6,585 | €16,031 | €17,583 | €18,136 | ▲ 3.1% |
| Trade receivables40 | - | €5,742 | €9,978 | €16,613 | €17,600 | ▲ 5.9% |
| Other amounts receivable41 | - | €842 | €6,053 | €970 | €535 | ▼ 44.8% |
| Cash at bank and in hand54/58 | €22,553 | €42,276 | €34,573 | €20,168 | €6,937 | ▼ 65.6% |
| Deferred charges and accrued income490/1 | - | €2,973 | €4,844 | €3,484 | €3,462 | ▼ 0.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €55,564 | €84,146 | €91,461 | €78,022 | €60,857 | ▼ 22.0% |
| Equity10/15 | €29,946 | €47,898 | €50,498 | €37,350 | €23,002 | ▼ 38.4% |
| Contributions10/11 | - | €19,000 | €19,000 | €19,000 | €19,000 | = |
| Reserves13 | €1,873 | €1,873 | €1,873 | €1,873 | €1,873 | = |
| Non-distributable reserves130/1 | - | €1,873 | €1,873 | €1,873 | €1,873 | = |
| Reserves not available under the articles1311 | - | €1,873 | €1,873 | €1,873 | €1,873 | = |
| Profit (loss) carried forward14 | €9,072 | €27,025 | €29,624 | €16,476 | €2,129 | ▼ 87.1% |
| Amounts payable17/49 | €25,618 | €36,247 | €40,963 | €40,673 | €37,855 | ▼ 6.9% |
| Amounts payable within one year42/48 | €23,797 | €34,656 | €39,738 | €39,574 | €36,610 | ▼ 7.5% |
| Trade debts44 | €7,301 | €20,123 | €30,988 | €32,730 | €30,157 | ▼ 7.9% |
| Suppliers440/4 | - | €20,123 | €30,988 | €32,730 | €30,157 | ▼ 7.9% |
| Taxes, remuneration and social security45 | - | €2,349 | €8,613 | €6,447 | €6,431 | ▼ 0.3% |
| Taxes450/3 | - | €1,241 | €3,812 | €968 | €889 | ▼ 8.1% |
| Remuneration and social security454/9 | - | €1,107 | €4,801 | €5,479 | €5,541 | ▲ 1.1% |
| Other amounts payable47/48 | - | €12,184 | €137 | €397 | €22 | ▼ 94.5% |
| Accrued charges and deferred income492/3 | - | €1,592 | €1,224 | €1,099 | €1,245 | ▲ 13.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1,757 | €17,952 | €2,600 | -€13,148 | -€14,348 | ▼ 9.1% |
| + Depreciation and write-downs630 | - | €261 | €434 | €868 | €868 | = |
| Operating cash flow (approximation) | €1,757 | €18,213 | €3,033 | -€12,280 | -€13,480 | ▼ 9.8% |
| Investment in fixed assets (approximation) | - | -€2,973 | -€1,843 | €0 | €0 | - |
| Change in cash | - | €19,723 | -€7,703 | -€14,406 | -€13,230 | ▲ 8.2% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 30 days late
31-01
Financial
Weakest financial yearnet -€14,348
Net result drops to -€14,348, the lowest in the series.
2024
08-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 38 days late
2023
29-12
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 120 days late
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 30 days late
31-01
Financial
Highest result since 2019net €17,952 ▲922%
Operating result €20,044, net result €17,952, both a record.
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 30 days late
31-01
Financial
Back to profitnet €1,757
Net result €1,757 after 2 loss-making years.
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 60 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 30 days late
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
18-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
26-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Sint-Pieters-Woluwe · 1 establishment unit since 1983
Ground area
1.1 ha
Building footprint
9,680 m²
Volume, LiDAR
40,823 m³
2 parcels, Brussels · tallest building 15.4 m, ±4 floors. Linked by address, not a title deed.
31
companies at this address
See who is registered here
1 establishment unit
Kerkstraat 96 A, 1150 Sint-Pieters-Woluwe
since 19832.022.336.370
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21683D0073/00W000 | Brussels | 1.1 ha | 1 · 9,598 m² | 11.8 m · 1 fl. |
| 21683D0033/00T007 | Brussels | 141 m² | 1 · 82 m² | 15.4 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
2 ownersOwners 2
-
50%
-
49.6%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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CONCEPT DISTRIBUTION
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Of 656 companies in sector 47715 we hold annual accounts for 187. 152 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded10-03-1983
Fiscal year end31-01
Activities, NACEBEL 2025
47715Retail trade
47770Retail sale of watches and jewellery
E-invoicing
Reachable via Peppol
Peppol ID
0208:0423982248
Also
9925:BE0423982248
Registered
03-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.