FADI. CO
ActiveFADI. CO has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €101k and a net result of €29k. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 53% of 17987 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
89
/ 100
Excellent▲ +72 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency80▲+53
Growth78▲+46
Stability100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 1.91 against 1.22 in 2024), but 61.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 →
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
38.4%
Return on assets
11%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €101k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
on the day
2022
3 d early
2021
2 d early
2020
1 d early
2019
3 d early
← before the deadline
after the deadline →
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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€101k▲ 40.1%
2024 · €72k
2018: €85k
2019: €85k
2020: €85k
2021: €85k
2022: €85k
2023: €84k
2024: €72k
2018 → 2025
Total assets
€262k▼ 40.1%
2024 · €438k
2018: €198k
2019: €393k
2020: €393k
2021: €176k
2022: €230k
2023: €197k
2024: €438k
2018 → 2025
Net result
€29k
2024 · €-12k
2018: €887
2019: €215
2020: €179
2021: €35
2022: €11
2023: €-677
2024: €-12k
2018 → 2025
Working capital
€123k▲ 57.4%
2024 · €78k
2018: €88k
2019: €165k
2020: €165k
2021: €88k
2022: €89k
2023: €89k
2024: €78k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€85k-€85k=€84k▼ 0.8%€72k▼ 14.6%€101k▲ 40.1%
Operating result€7k-€4k▼ 35.5%€5k▲ 13.8%€-6k€66k
Net result€35-€11▼ 68.2%€-677€-12k▼ 1,723%€29k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €66k after a loss of €6k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €262k
Fixed assets
€4k=
Current assets
€259k▼ 40.5%
Equity and liabilities €262k
Equity
€101k▲ 40.1%
Debt
€162k▼ 55.9%
The debt ratio falls from 83.6% to 61.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€66k▲
2024 · €-6k
Cash flow
€29k▲
2024 · €-12k
Solvency
38.4%▲
2024 · 16.4%
Current ratio
1.91▲
2024 · 1.22
Quick ratio
1.89▲
2024 · 0.50
Debt / equity
1.60▼
2024 · 5.09
ROE
28.6%▲
2024 · -17.2%
ROA
11.0%▲
2024 · -2.8%
Interest coverage
2.22▲
2024 · -0.82
Debt
€162k▼
2024 · €366k
Debt ≤ 1 year
€136k▼
2024 · €357k
Income taxes
€7k▲
2024 · €0
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€438k€262k▼
Fixed assets21/28€4k€4k=
Tangible fixed assets22/27€2k€2k=
Furniture and vehicles24€2k€2k=
Financial fixed assets28€2k€2k=
Current assets29/58€435k€259k▼
Stocks and contracts in progress3€258k€3k▼
Stocks30/36€258k€3k▼
Amounts receivable within one year40/41€102k€82k▼
Trade receivables40€50k€81k▲
Other amounts receivable41€52k€409▼
Cash at bank and in hand54/58€74k€174k▲
Deferred charges and accrued income490/1€550€131▼
Equity and liabilities
Total equity and liabilities10/49€438k€262k▼
Equity10/15€72k€101k▲
Contributions10/11€25k€25k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€45k€74k▲
Amounts payable17/49€366k€162k▼
Amounts payable within one year42/48€357k€136k▼
Trade debts44€5k€29k▲
Suppliers440/4€5k€29k▲
Taxes, remuneration and social security45€2k€15k▲
Taxes450/3€2k€15k▲
Other amounts payable47/48€349k€92k▼
Accrued charges and deferred income492/3€10k€26k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€59€0▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€10k€253k▲
Other operating charges640/8€721€739▲
Gross operating margin9900€5k€320k▲
Operating profit (loss)9901€-6k€66k▲
Financial income75/76B€124€64▼
Recurring financial income75€124€64▼
Financial charges65/66B€7k€30k▲
Recurring financial charges65€7k€30k▲
Profit (loss) for the period before taxes9903€-12k€36k▲
Income taxes67/77€0€7k▲
Profit (loss) for the period9904€-12k€29k▲
Profit (loss) for the period to be appropriated9905€-12k€29k▲
Appropriation of the result
Profit (loss) to be appropriated9906€45k€74k▲
Profit (loss) brought forward from the previous period14P€57k€45k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €29k
Net result €29k after 2 loss-making years.
31-12
Financial
Equity above €100kEq €101k ▲40.1%
Equity rises from €72k to €101k.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-12k
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Aalst · 5 establishment units since 1998
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.
Stevensveldstraat 8A9310 AalstGround area
1,774 m²
Building footprint
1,371 m²
Volume, LiDAR
18,957 m³
6 parcels, Flanders · tallest building 37.5 m, ±8 floors. Linked by address, not a title deed.
5 establishment units
Stevensveldstraat 8 A, 9310 Aalst
since 19982.086.811.181
Lange Brilstraat 4, 2000 Antwerpen
since 19992.086.811.280
Abdijstraat 223, 2020 Antwerpen
since 19992.086.811.379
Meir 47, 2000 Antwerpen
since 19992.086.811.478
Jezusstraat 12 1, 2000 Antwerpen
since 19992.086.811.577
6 parcels
Flanders
6
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11803C2487/00A000 | Flanders | 964 m² | 1 · 763 m² | 37.5 m · 6 fl. |
| 41039B0108/00C000 | Flanders | 228 m² | 1 · 102 m² | 8.2 m · 2 fl. |
| 11803C0062/00C000 | Flanders | 172 m² | 1 · 170 m² | 26.7 m · 8 fl. |
| 11802B0735/00K000 | Flanders | 149 m² | 1 · 149 m² | 15.3 m · 4 fl. |
| 41039B0195/00B000 | Flanders | 148 m² | 1 · 76 m² | 10.0 m · 3 fl. |
| 11809I2411/00X003 | Flanders | 111 m² | 1 · 111 m² | 14.7 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 5
6 of 6 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
3 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 944 companies in sector 47792 we hold annual accounts for 184. 133 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-04-1998
Fiscal year end31-12
Activities, NACEBEL
47792Retail sale of second-hand clothing
52502
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.