FABIANI
ActiveFABIANI has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €23k and a net result of €-14k. Equity remains stable across the filed fiscal years (±1.3% per year). Its solvency ranks better than 52% of 4122 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency72▼-18
Growth32▼-20
Stability100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity ample (current ratio 1.59 against 1.88 in 2024), but 62.2% 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
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
Sector 47
higher
← 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
19 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
192122232425
2019 to 2025 · latest year -€14k
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 →
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-14k▼ 9.1%
2024 · €-13k
2019: €-6k
2021: €2k
2022: €18k
2023: €3k
2024: €-13k
2019 → 2025
Working capital
€21k▼ 38.3%
2024 · €35k
2019: €33k
2021: €31k
2022: €46k
2023: €47k
2024: €35k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€30k-€48k▲ 59.9%€50k▲ 5.4%€37k▼ 26.0%€23k▼ 38.4%
Operating result€3k-€20k▲ 533%€8k▼ 62.1%€-10k€-12k▼ 15.4%
Net result€2k-€18k▲ 922%€3k▼ 85.5%€-13k€-14k▼ 9.1%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €12k in 2025 against €10k in 2024; the loss grows and 2025 is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €61k
Fixed assets
€3k▼ 23.8%
Current assets
€58k▼ 21.9%
Equity and liabilities €61k
Equity
€23k▼ 38.4%
Debt
€38k▼ 6.9%
The debt ratio rises from 52.1% to 62.2%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€-11k▼
2024 · €-9k
Cash flow
€-13k▼
2024 · €-12k
Solvency
37.8%▼
2024 · 47.9%
Current ratio
1.59▼
2024 · 1.88
Quick ratio
0.78▼
2024 · 1.04
Debt / equity
1.65▲
2024 · 1.09
ROE
-62.4%▼
2024 · -35.2%
ROA
-23.6%▼
2024 · -16.9%
Interest coverage
-4.99▼
2024 · -3.32
Debt
€38k▼
2024 · €41k
Debt ≤ 1 year
€37k▼
2024 · €40k
Income taxes
€345▲
2024 · €115
Staff costs
€40k▲
2024 · €39k
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€78k€61k▼
Fixed assets21/28€4k€3k▼
Intangible fixed assets21€772€572▼
Tangible fixed assets22/27€2k€2k▼
Furniture and vehicles24€986€526▼
Other tangible fixed assets26€1k€1k▼
Financial fixed assets28€392€392=
Current assets29/58€74k€58k▼
Stocks and contracts in progress3€33k€30k▼
Stocks30/36€33k€30k▼
Amounts receivable within one year40/41€18k€18k▲
Trade receivables40€17k€18k▲
Other amounts receivable41€970€535▼
Cash at bank and in hand54/58€20k€7k▼
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€78k€61k▼
Equity10/15€37k€23k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€16k€2k▼
Amounts payable17/49€41k€38k▼
Amounts payable within one year42/48€40k€37k▼
Trade debts44€33k€30k▼
Suppliers440/4€33k€30k▼
Taxes, remuneration and social security45€6k€6k▼
Taxes450/3€968€889▼
Remuneration and social security454/9€5k€6k▲
Other amounts payable47/48€397€22▼
Accrued charges and deferred income492/3€1k€1k▲
Income statement
Code20242025
Remuneration, social security and pensions62€39k€40k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€868€868=
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-1k€-616▲
Other operating charges640/8€865€954▲
Gross operating margin9900€29k€29k▼
Operating profit (loss)9901€-10k€-12k▼
Financial income75/76B€82€60▼
Recurring financial income75€82€60▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€-13k€-14k▼
Income taxes67/77€115€345▲
Profit (loss) for the period9904€-13k€-14k▼
Profit (loss) for the period to be appropriated9905€-13k€-14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€16k€2k▼
Profit (loss) brought forward from the previous period14P€30k€16k▼
Social balance
Average headcount (FTE)90871.01.0=
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
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 €-14k
Net result drops to €-14k, 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 €18k ▲922%
Operating result €20k, net result €18k, 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 €2k
Net result €2k after one loss-making year.
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.
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
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.
Kerkstraat 96A1150 Sint-Pieters-WoluweGround 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.
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
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.
Similar companies · same sector, comparable size
TEX LABELS INT.
BE 1012.378.013
Erpe-Mere · Eq €23k
HONG - KONG MING
BE 0451.170.358
Sint-Gillis (bij-Brussel) · Eq €23k
BELLA DOMANI
BE 0859.758.213
Elsene · Eq €23k
MY NEW TAILOR
BE 1003.265.159
Binche · Eq €24k
CONCEPT DISTRIBUTION
BE 0638.784.293
Waterloo · Eq €22k
Of 657 companies in sector 47715 we hold annual accounts for 186. 151 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded10-03-1983
Fiscal year end31-01
Activities, NACEBEL
47715Retail trade
47770Retail sale of watches and jewellery
52484
Sources
Crossroads Bank for EnterprisesNational Bank · 41 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.