FABY
ActiveSummary
The computed 12-month bankruptcy probability of FABY is 2.1% (moderate). The 2025 annual accounts show equity of €932k and a net result of €245k. Equity is growing by ~18.4% per year across the filed fiscal years. The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability96▲+26
Solvency100=
Growth78=
Track record82
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days only on tighter terms
Liquidity ample (current ratio 3.98; short-term debt: 10.3% and cash: 22.9% of total assets), and 18% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
82%
Return on assets
21.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 filingsDeviation from the deadline
2025
28 d late
2024
28 d late
2023
68 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · 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 monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€932k▲ 35.6%
2024 · €688k
Total assets
€1.14M▲ 46.3%
2024 · €777k
Net result
€245k▲ 2,646%
2024 · €9k
Working capital
€349k▲ 771%
2024 · €40k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202320242025
Operating result€-22k-€8k€361k▲ 4,263%
Net result€-21k-€9k€245k▲ 2,646%
Equity€679k-€688k▲ 1.3%€932k▲ 35.6%
Total assets€771k-€777k▲ 0.8%€1.14M▲ 46.3%
Debt€2k-€629▼ 69.6%€117k▲ 18,533%
Working capital€6k-€40k▲ 586%€349k▲ 771%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 4,263% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.14M
Fixed assets
€670k ▼ 9.1%
Current assets
€467k ▲ 1,063%
Equity and liabilities €1.14M
Equity
€932k ▲ 35.6%
Provisions
€87k ▼ 1.9%
Debt
€117k ▲ 18,533%
Debt's share of the balance-sheet total rises from 0.1% to 10.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€390k▲
2024 · €38k
Cash flow
€274k▲
2024 · €38k
Current ratio
3.98
Debt to equity
0.13▲
2024 · 0.00
ROE
26.2%▲
2024 · 1.3%
ROA
21.5%▲
2024 · 1.1%
Interest coverage
319.87▲
2024 · 36.37
Debt ≤ 1 year
€117k▲
2024 · €28
Income taxes
€117k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €381k | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €30k | €29k | €30k | ▲ 0.6% |
| Other operating charges640/8 | - | €8k | €8k | ▲ 1.7% |
| Gross operating margin9900 | €7k | €45k | €398k | ▲ 781% |
| Operating profit (loss)9901 | €-22k | €8k | €361k | ▲ 4,263% |
| Financial income75/76B | - | €0 | €77 | ▲ 767,900% |
| Recurring financial income75 | - | €0 | €77 | ▲ 767,900% |
| Financial charges65/66B | - | €1k | €1k | ▲ 18.0% |
| Recurring financial charges65 | - | €1k | €1k | ▲ 18.0% |
| Profit (loss) for the period before taxes9903 | €-22k | €7k | €360k | ▲ 4,870% |
| Transfer from deferred taxes780 | €2k | €2k | €2k | = |
| Income taxes67/77 | - | - | €117k | - |
| Profit (loss) for the period9904 | €-21k | €9k | €245k | ▲ 2,646% |
| Transfer from tax-exempt reserves789 | €5k | €5k | €5k | = |
| Profit (loss) for the period to be appropriated9905 | €-16k | €14k | €250k | ▲ 1,693% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €771k | €777k | €1.14M | ▲ 46.3% |
| Fixed assets21/28 | €763k | €737k | €670k | ▼ 9.1% |
| Tangible fixed assets22/27 | €763k | €737k | €670k | ▼ 9.1% |
| Land and buildings22 | €762k | €733k | €667k | ▼ 9.1% |
| Plant, machinery and equipment23 | - | €2k | €2k | ▼ 5.6% |
| Furniture and vehicles24 | €2k | €2k | €1k | ▼ 20.2% |
| Current assets29/58 | €8k | €40k | €467k | ▲ 1,063% |
| Amounts receivable after more than one year29 | - | €26k | €205k | ▲ 700% |
| Trade receivables290 | - | €26k | €205k | ▲ 700% |
| Cash at bank and in hand54/58 | €8k | €12k | €260k | ▲ 2,057% |
| Deferred charges and accrued income490/1 | - | €2k | €2k | ▼ 17.3% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €771k | €777k | €1.14M | ▲ 46.3% |
| Equity10/15 | €679k | €688k | €932k | ▲ 35.6% |
| Contributions10/11 | €291k | €291k | €291k | = |
| Reserves13 | €399k | €396k | €641k | ▲ 61.7% |
| Tax-exempt reserves132 | €390k | €385k | €380k | ▼ 1.3% |
| Distributable reserves133 | €9k | €12k | €261k | ▲ 2,129% |
| Profit (loss) carried forward14 | €-11k | - | - | - |
| Provisions and deferred taxes16 | €90k | €89k | €87k | ▼ 1.9% |
| Deferred taxes168 | €90k | €89k | €87k | ▼ 1.9% |
| Amounts payable17/49 | €2k | €629 | €117k | ▲ 18,533% |
| Amounts payable after more than one year17 | - | €602 | - | - |
| Other amounts payable178/9 | - | €602 | - | - |
| Amounts payable within one year42/48 | €2k | €28 | €117k | ▲ 425,365% |
| Financial debts43 | - | €19 | €17 | ▼ 9.3% |
| Credit institutions430/8 | - | €19 | €17 | ▼ 9.3% |
| Trade debts44 | €2k | €8 | €540 | ▲ 6,427% |
| Suppliers440/4 | €2k | €8 | €540 | ▲ 6,427% |
| Taxes, remuneration and social security45 | - | - | €117k | - |
| Taxes450/3 | - | - | €117k | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €-21k | €9k | €245k | ▲ 2,646% |
| + Depreciation and write-downs630 | €30k | €29k | €30k | ▲ 0.6% |
| Operating cash flow (approximation) | €9k | €38k | €274k | ▲ 617% |
| Investment in fixed assets (approximation) | - | €-3k | €37k | ▲ 1,382% |
| Change in cash | - | €4k | €248k | ▲ 5,902% |
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
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Highest result since 2023net €245k ▲2,646%
Operating result €361k, net result €245k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
31-12
Financial
Liquidity times 381current ratio 1456.36
Current ratio from 3.82 to 1456.36; short-term debt falls from €2k to €28.
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 68 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Brugge · 1 establishment unit since 2023
Ground area
1,606 m²
Building footprint
642 m²
Volume, LiDAR
3,251 m³
Parcel 31808K0318/00E000, Flanders · tallest building 7.0 m, ±1 floor. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
FABY
since 20232.352.311.168
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31808K0318/00E000 | Flanders | 1,606 m² | 1 · 642 m² | 7.0 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Identification & contact
Identification
Legal formPrivate limited company
Founded10-11-2023
Fiscal year end31-12
Scores and ratios are computed by Checked and are not a credit decision.