Turnover
≈ €8.1m estimated
The abbreviated format states no turnover.
FABLO
Lifetime
1 annual account with figurespeak €1.2m (2025)
€1.2m
peak €176,428 (2025)
€176,428
peak €226,428 (2025)
€226,428
€1.2m
peak 20.7 FTE (2025)
20.7 FTE
Board3 names since 2024
3 directorsDELIANDA and 2 others
Documentsfilings and deeds
29-04-20261 day before the deadline
2025abbreviated format
First year with figures
Key points
from the 2025 annual accountsDebts
€1.2m 85% of the balance sheet
Suppliers 13%Taxes and wages 17%Other 69%
Of this, €390,282 falls due within a year.
Position in the sector
€176,428
Higher net result than 86% of companies in retail trade. Sector median €27,404 · 12,850 companies.
Checked score
72
Healthy
Financially stronger than 67% of small companies in retail trade (NACE 47)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.4% across 3,698 companies (NACE 47, small).
About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
09-2025: 1.8%
10-2025: 1.8%● unchanged vs 09-2025
11-2025: 1.9%▲ +0.1 percentage points vs 10-2025
12-2025: 2.2%▲ +0.3 percentage points vs 11-2025
01-2026: 2.3%▲ +0.1 percentage points vs 12-2025
02-2026: 2.6%▲ +0.3 percentage points vs 01-2026
03-2026: 2.6%● unchanged vs 02-2026
04-2026: 2.9%▲ +0.3 percentage points vs 03-2026
05-2026: 2.9%● unchanged vs 04-2026
06-2026: 2.8%▼ -0.1 percentage points vs 05-2026
07-2026: 2.8%● unchanged vs 06-2026
08-2026: 3.2%▲ +0.4 percentage points vs 07-2026
09-2026: 3.2%● unchanged vs 08-2026highest value
10-2026: 0.6%▼ -2.6 percentage points vs 09-2026lowest value
11-2026: 0.6%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Founded in 2024
Equity €226,428 (15.4% of total assets)
lowers risk
Liquidity: current ratio 3.39, cash €319,114
Profit of €176,428 (financial year 2025)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, small). It does better than 29% of them on solvency, 86% on liquidity and 85% on profitability.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-09-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 1,602 companies had the same profile as FABLO has now. Each dot stands for 5 companies, two years later.
96.5%
were still trading
0.9%
stopped another way
2.3%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of FABLO itself: 0.6% within 12 months.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,602 companies, not a prediction for FABLO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €16,000 on 30-day terms, only on tighter conditions: young company (under 3 years) without a track record
Liquidity is ample, with a current ratio of 3.39, above the usual 1.5. Short-term debt is 26.6% and cash 21.7% of total assets. However, 84.6% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-04-2026, 1 day ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
1 day early
← before the deadline
after the deadline →
Searched, nothing found (1)
Board and ownership
- JACOBS Liese Christiane Louis founderdeed of 29-08-2024
- JACOBS Dennis Jeannine Leo founderdeed of 29-08-2024
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1012857172
Incorporation
Founding capital of €50,000, 100 shares · Founders: JACOBS Liese Christiane Louis and JACOBS Dennis Jeannine Leo · Appointments: DELIANDA (statutory director), JACOBS Liese Christiane Louis (director) and JACOBS Dennis Jeannine Leo (director) · published on 29-08-2024 · Gazette deed
First establishment
Leopoldstraat 46, Merksplas
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| FABLO Merksplas | €1.5m | €1.2m | 15.4% | 20.7 |
| ISE Antwerp | €1.7m | €2.1m | 8.4% | 26.1 |
| LRH Antwerp | €1.8m | €2.2m | 24.0% | 25.2 |
| Rolumac Asse | €1.8m | €1.9m | 24.2% | 20.4 |
| Retail Sint-Lambrechts-Herk Hasselt | €2.0m | €2.2m | 1.1% | 20.7 |
| MARKET LOMMEL Lommel | €2.5m | €0.9m | -7.7% | 21.4 |
| NELYAN Liège | €1.2m | €0.8m | 1.4% | 16.4 |
These companies have the same main activity as FABLO: non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110). They are comparable in size and age: total assets between €1.2m and €2.5m, founded between 2023 and 2024.
Official details
Source: KBO- Status
- Active since 27-08-2024Normal situation
- Activity
- Non-specialised retail sale with food, beverages or tobacco predominatingNACE 47110
- Joint committee
- 102.02Quarries · annual accounts 30-09-2025
- Establishment unit
- 2.368.505.8142330 Merksplas, since 27-08-2024
- Financial year end
- 30 September
- Peppol
- Reachable since 08-07-2025
Annual accounts to 30-09-2025
- €1.5m
- Employeeson 30-09-2025
- 23
- Filing
- Filed on 29-04-2026, 1 day before the end of the filing period
Insights on FABLO
FABLO has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €226,428 and a net result of €176,428.
Its solvency ranks better than 26% of 12,862 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about FABLO
- What is the company number of FABLO?
- The company number of FABLO is 1012.857.172. The VAT number is the same number with BE in front: BE 1012.857.172.
- Where is FABLO based?
- The registered office is at Leopoldstraat 46, 2330 Merksplas.Company details
- What does FABLO do?
- According to the KBO register, the main activity is non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110).
- What is the legal form of FABLO?
- FABLO is a private limited company (BV).
- When was FABLO founded?
- FABLO was founded on 27-08-2024.
- Is FABLO still active?
- Yes, FABLO is an active enterprise in the KBO register.
- How many employees does FABLO have?
- FABLO had an average of 20.7 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does FABLO fall under?
- In its 30-09-2025 annual accounts, FABLO states joint committee 102.02 (Quarries).
- What is the turnover of FABLO?
- The turnover in financial year 2025 is ≈ €8.1m. This figure is estimated from the gross margin of €1.2m and 30 comparable companies (NACE 471). It probably lies between €5.0m and €9.8m.
- Is FABLO profitable?
- In financial year 2025, FABLO made a profit of €176,428.
- Where can I find the annual accounts of FABLO?
- FABLO filed 1 annual account with the National Bank of Belgium, for financial year 2025.
Next steps
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