FAGOU
ActiveSummary
FAGOU has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €329,560 and a net result of €14,082. Equity is growing by ~17.5% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability38▲+23
Solvency50▲+5
Growth71▲+21
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16,000 at 30 days acceptable
Liquidity tight (current ratio 1.32 against 1.25 in 2024; short-term debt: 75.2% and cash: 17.1% of total assets), and 75.2% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
24.8%
Return on assets
1.1%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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
2025
20 d late
2024
26 d late
2023
52 d late
2022
18 d late
2021
26 d late
2020
25 d late
2019
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 7 accounts on average 24 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
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. Usually files around 26 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
€5.8m▲ 35.3%
2024 · €4.3m
EBIT margin
0.4%▲ 1.4pp
2024 · -1.1%
Net result
€14,082
2024 · -€47,305
Working capital
€324,110▲ 4.0%
2024 · €311,664
Trend over the years
In euros
In per cent
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€4.0m▲ 24.4%€5.0m▲ 25.0%€6.2m▲ 24.1%€4.3m▼ 31.3%€5.8m▲ 35.3%
Operating result€121,881▲ 155%€93,775▼ 23.1%€83,554▼ 10.9%-€45,756€21,603
Net result€88,221▲ 130%€71,431▼ 19.0%€58,691▼ 17.8%-€47,305€14,082
EBIT margin3.0%▲ 1.6pp1.9%▼ 1.2pp1.3%▼ 0.5pp-1.1%▼ 2.4pp0.4%▲ 1.4pp
Equity€232,661▲ 61.1%€304,092▲ 30.7%€362,783▲ 19.3%€315,478▼ 13.0%€329,560▲ 4.5%
Total assets€2.0m▲ 184%€689,551▼ 65.8%€1.2m▲ 75.3%€1.5m▲ 27.8%€1.3m▼ 14.0%
Debt€1.8m▲ 215%€385,459▼ 78.4%€845,806▲ 119%€1.2m▲ 45.3%€998,096▼ 18.8%
Working capital€292,514▲ 41.6%€294,681▲ 0.7%€357,186▲ 21.2%€311,664▼ 12.7%€324,110▲ 4.0%
Staff (FTE)1.8▼ 10.0%1.9▲ 5.6%2▲ 5.3%2=1▼ 50.0%
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €21,603 after a loss of €45,756 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.3m
Fixed assets
€5,450 ▲ 42.9%
Current assets
€1.3m ▼ 14.2%
Equity and liabilities €1.3m
Equity
€329,560 ▲ 4.5%
Debt
€998,096 ▼ 18.8%
Debt's share of the balance-sheet total falls from 79.6% to 75.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€23,173▲
2024 · -€43,974
Cash flow
€15,651▲
2024 · -€45,523
Current ratio
1.32▲
2024 · 1.25
Debt to equity
3.03▼
2024 · 3.90
ROE
4.3%▲
2024 · -15.0%
ROA
1.1%▲
2024 · -3.1%
Interest coverage
3.08▲
2024 · -28.40
Debt ≤ 1 year
€998,096▼
2024 · €1.2m
Income taxes
€0▼
2024 · €0
Staff costs
€50,247▼
2024 · €61,643
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 4,508 companies that looked in July 2024 the way this one looks now, 1.4% went bankrupt within 24 months and 97% are still going.
- Micro
- 10 to 20 years old
- solvency 10 to 30%
- a profit under 5% of the balance sheet
1.4%
went bankrupt
1.6%
stopped otherwise
97%
still going
For this company itself Checked computes a bankruptcy probability of 0.9% 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 497,341 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% | 1.8% |
| 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 4,508 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 |
|---|---|---|---|---|---|---|
| Turnover70 | €4.0m | €5.0m | €6.2m | €4.3m | €5.8m | ▲ 35.3% |
| Goods, raw materials, services and sundry goods60/61 | €3.9m | €4.9m | €6.1m | €4.3m | €5.5m | ▲ 30.3% |
| Remuneration, social security and pensions62 | €35,336 | €62,057 | €53,149 | €61,643 | €50,247 | ▼ 18.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,455 | €3,887 | €3,814 | €1,782 | €1,570 | ▼ 11.9% |
| Other operating charges640/8 | €760 | €348 | €5,889 | €1,367 | €165,990 | ▲ 12,039% |
| Non-recurring operating charges66A | - | - | €33 | €147 | €53 | ▼ 64.0% |
| Gross operating margin9900 | €160,433 | €160,066 | €146,438 | €19,184 | €239,463 | ▲ 1,148% |
| Operating profit (loss)9901 | €121,881 | €93,775 | €83,554 | -€45,756 | €21,603 | ▲ 147% |
| Financial income75/76B | €6,965 | €55 | - | - | - | - |
| Recurring financial income75 | €6,965 | €55 | - | - | - | - |
| Financial charges65/66B | €15,243 | €3,024 | €2,443 | €1,548 | €7,522 | ▲ 386% |
| Recurring financial charges65 | €15,243 | €3,024 | €2,443 | €1,548 | €7,522 | ▲ 386% |
| Profit (loss) for the period before taxes9903 | €113,602 | €90,806 | €81,111 | -€47,304 | €14,082 | ▲ 130% |
| Income taxes67/77 | €25,382 | €19,375 | €22,420 | €0 | €0 | ▼ 100% |
| Profit (loss) for the period9904 | €88,221 | €71,431 | €58,691 | -€47,305 | €14,082 | ▲ 130% |
| Profit (loss) for the period to be appropriated9905 | €88,221 | €71,431 | €58,691 | -€47,305 | €14,082 | ▲ 130% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.0m | €689,551 | €1.2m | €1.5m | €1.3m | ▼ 14.0% |
| Fixed assets21/28 | €8,147 | €9,411 | €5,596 | €3,814 | €5,450 | ▲ 42.9% |
| Tangible fixed assets22/27 | €6,647 | €7,911 | €4,096 | €2,314 | €3,950 | ▲ 70.7% |
| Plant, machinery and equipment23 | - | €0 | - | - | - | - |
| Furniture and vehicles24 | €6,647 | €7,911 | €4,096 | €2,314 | €3,950 | ▲ 70.7% |
| Financial fixed assets28 | €1,500 | €1,500 | €1,500 | €1,500 | €1,500 | = |
| Current assets29/58 | €2.0m | €680,140 | €1.2m | €1.5m | €1.3m | ▼ 14.2% |
| Amounts receivable within one year40/41 | €1.3m | €625,948 | €1.1m | €1.0m | €1.1m | ▲ 4.5% |
| Trade receivables40 | €1.2m | €603,311 | €1.1m | €1.0m | €1.1m | ▲ 5.6% |
| Other amounts receivable41 | €16,908 | €22,637 | €22,393 | €19,648 | €9,246 | ▼ 52.9% |
| Cash at bank and in hand54/58 | €751,025 | €54,193 | €90,379 | €492,111 | €226,531 | ▼ 54.0% |
| Deferred charges and accrued income490/1 | - | - | - | - | €216 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.0m | €689,551 | €1.2m | €1.5m | €1.3m | ▼ 14.0% |
| Equity10/15 | €232,661 | €304,092 | €362,783 | €315,478 | €329,560 | ▲ 4.5% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €212,201 | €283,632 | €342,323 | €295,018 | €309,100 | ▲ 4.8% |
| Amounts payable17/49 | €1.8m | €385,459 | €845,806 | €1.2m | €998,096 | ▼ 18.8% |
| Amounts payable after more than one year17 | €68,000 | €0 | - | - | - | - |
| Financial debts170/4 | €68,000 | €0 | - | - | - | - |
| Amounts payable within one year42/48 | €1.7m | €385,459 | €845,806 | €1.2m | €998,096 | ▼ 18.8% |
| Trade debts44 | €1.2m | €311,866 | €510,081 | €902,986 | €617,030 | ▼ 31.7% |
| Suppliers440/4 | €1.2m | €311,866 | €510,081 | €902,986 | €617,030 | ▼ 31.7% |
| Advances received on contracts in progress46 | €265,635 | €0 | - | - | - | - |
| Taxes, remuneration and social security45 | €41,454 | €53,742 | €47,535 | €7,672 | €7,894 | ▲ 2.9% |
| Taxes450/3 | €35,557 | €45,888 | €41,795 | €0 | €0 | - |
| Remuneration and social security454/9 | €5,898 | €7,854 | €5,740 | €7,672 | €7,894 | ▲ 2.9% |
| Other amounts payable47/48 | €200,999 | €19,850 | €288,190 | €318,240 | €373,172 | ▲ 17.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €88,221 | €71,431 | €58,691 | -€47,305 | €14,082 | ▲ 130% |
| + Depreciation and write-downs630 | €2,455 | €3,887 | €3,814 | €1,782 | €1,570 | ▼ 11.9% |
| Operating cash flow (approximation) | €90,676 | €75,317 | €62,505 | -€45,523 | €15,651 | ▲ 134% |
| Investment in fixed assets (approximation) | - | -€5,151 | €0 | €0 | -€3,205 | - |
| Change in cash | - | -€696,832 | €36,186 | €401,732 | -€265,580 | ▼ 166% |
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
15-09
State Gazette act
Registered officeRegistered-office move · Statutes amendment · Power of attorney4 facts ▸
State Gazette act
Registered office
Registered-office move · Statutes amendment · Power of attorney4 facts ▸
- General meeting, 04-09-2026
- Registered-office move, 1640 Rhode Saint Genèse, Chaussée de Waterloo 198-200, en Région flamande
- Statutes amendment, 2
- Power of attorney
15-09
State Gazette act
Registered officeRegistered-office move · Statutes amendment · Capital5 facts ▸
State Gazette act
Registered office
Registered-office move · Statutes amendment · Capital5 facts ▸
- General meeting, 04-09-2026
- Registered-office move, Waterloosesteenweg 198-200, 1640 Sint-Genesius-Rode, in het Vlaamse Gewest
- Statutes amendment
- Capital
- Power of attorney
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
31-12
Financial
Back to profitnet €14,082
Net result €14,082 after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Weakest financial yearnet -€47,305
Net result drops to -€47,305, the lowest in the series; recovery starts the following year.
21-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 52 days late
2023
18-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 18 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-12
Financial
Highest result since 2018net €88,221 ▲130%
Operating result €121,881, net result €88,221, both a record.
31-12
Financial
Equity above €200,000Eq €232,661 ▲61.1%
4 profitable years in a row build equity to €232,661.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 25 days late
Show earlier events
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Equity above €100,000Eq €106,127 ▲131%
2 profitable years in a row build equity to €106,127.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
11-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
2 of 6 acts read
About the unread acts
Of the 6 Belgian State Gazette acts we know for this company, 2 have been read. The other 4 have not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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Directors · office · real estate
Directors
No directors read yet: 2 of 6 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Sint-Genesius-Rode · 1 establishment unit since 2014
Ground area
7,308 m²
Building footprint
838 m²
Volume, LiDAR
8,927 m³
Parcel 22552E0048/00Z025, Flanders · tallest building 16.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
FAGOU
since 20142.232.636.231
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22552E0048/00Z025 | Flanders | 7,308 m² | 1 · 838 m² | 16.9 m · 4 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.
Articles of association
Who signs
Each director alone
Daily management
The board decides whether the delegates act alone or jointly
Annual meeting
Fourth Friday of May at 18:00
Duration
Unlimited
Purpose
De aankoop, verkoop, invoer en uitvoer van alle levensmiddelen in de breedste zin van het woord; Het opbouwen, ontwikkelen en beheren van een onroerendgoedvermogen; alle…
Full purpose (10 activities)
- De aankoop, verkoop, invoer en uitvoer van alle levensmiddelen in de breedste zin van het woord
- Het opbouwen, ontwikkelen en beheren van een onroerendgoedvermogen; alle onroerendgoedtransacties, met inbegrip van die welke betrekking hebben op alle zakelijke rechten op onroerend goed
- Het opbouwen, ontwikkelen en beheren van een roerendgoedvermogen; alle roerendgoedtransacties, met inbegrip van die welke betrekking hebben op alle zakelijke rechten op roerende goederen
- De verwerving van deelnemingen, in welke vorm dan ook, in alle vennootschappen en rechtspersonen, zowel bestaande als nog op te richten
- De handel, zowel in de detailhandel als in de groothandel, in niet-voedingsartikelen, textiel en schoonmaakproducten, in de breedste zin van het woord
- Alle commerciële, industriële, roerende, onroerende of financiële verrichtingen uitvoeren die direct of indirect verband houden met haar doel
- Op alle mogelijke wijzen belang nemen in alle zaken, ondernemingen of vennootschappen met een analoog, soortgelijk of verwant doel, of die van dien aard zijn dat zij de ontwikkeling van haar onderneming bevorderen, haar van grondstoffen voorzien of de afzet van haar producten vergemakkelijken
- Het beheer te controleren of deel te nemen aan het beheer van elke vennootschap of onderneming, in voorkomend geval door het aanvaarden van een mandaat binnen genoemde ondernemingen
- Het mandaat van vereffenaar uitoefenen voor elke andere vennootschap, vereniging, groepering, onderneming of organisatie
- Zich borg stellen zowel voor haar eigen verplichtingen als voor die van derden, onder meer door haar goederen, met inbegrip van haar handelsfonds, in hypotheek of in pand te geven
Name clause
Registered office clause
Vlaams Gewest, De vennootschap kan, bij enkel besluit van het bestuursorgaan, administratieve zetels, agentschappen, werkhuizen, stapelplaatsen en bijkantoren v…
Share class
Ieder aandeel geeft een gelijk recht in de winstverdeling en in het vereffeningsaldo.
Op naam, De aandeelhouders mogen kennis nemen van dit register betreffende hun effecten.
Other statement
Stortingsplicht, Het bestuursorgaan kan bovendien, nadat een tweede aangetekend schrijven gedurende een maand onbeantwoord is gebleven, de algemene vergadering…
Elke in het buitenland wonende aandeelhouder, bestuurder, commissaris, vereffenaar of houders van andere effecten, woonstkeuze
Artikel 27. Gerechtelijke bevoegdheid
Gemeen recht, clausules die strijdig zijn met de dwingende bepalingen van het Wetboek worden geacht niet te zijn geschreven
Share issue rule
Nieuwe aandelen waarop in geld wordt ingeschreven worden het eerst aangeboden aan de bestaande aandeelhouders naar evenredigheid van het aantal aandelen dat zij…
Transfer restriction
Erfgenamen en legatarissen die niet van rechtswege aandeelhouder worden volgens deze statuten, zijn verplicht om volgens dezelfde formaliteiten de instemming va…
Board rule
De algemene vergadering die de bestuurder(s) benoemt bepaalt hun aantal, de duur van hun opdracht en, indien er meerdere bestuurders zijn, hun bevoegdheid., De…
Beslist of het mandaat al dan niet onbezoldigd wordt uitgeoefend, vergoeding van de bestuurders
Auditor rule
Hernieuwbare termijn van drie jaar, één of meerdere
Meeting access
Vragen aan bestuurders en commissarissen, schriftelijk vragen stellen
Toegang tot de algemene vergadering, indien enkel de stemrechten geschorst zijn, mag hij nog steeds deelnemen aan de algemene vergadering zonder te kunnen deeln…
Meeting procedure
Kopieën voor derden worden ondertekend door één of meer vertegenwoordigingsbevoegde leden van het bestuursorgaan, de notulen van de algemene vergadering of van…
Verdaging, tenzij de algemene vergadering er anders over beslist, doet deze vergadering geen afbreuk aan de andere genomen besluiten
Voting rule
Elke aandeelhouder kan aan ieder andere persoon, al dan niet aandeelhouder, door alle middelen van overdracht, met inbegrip van een brief, e-mail of elk ander g…
Profit allocation
Op voorstel van het bestuursorgaan, elk aandeel recht geeft op een gelijk aandeel in de winstverdeling
Dissolution rule
De vennootschap kan op elk moment worden ontbonden, beslissende in de vormen vereist voor de statutenwijziging
Liquidation rule
Zonder afbreuk te doen aan het recht van de algemene vergadering om één of meerdere vereffenaars aan te duiden, hun bevoegdheden te omlijnen en hun vergoeding t…
Liquidation distribution
De goederen die nog in natura voorhanden zijn worden op dezelfde wijze verdeeld, het netto actief wordt verdeeld onder alle aandeelhouders naar verhouding van h…
Other provisions
Interimdividenden, uitkeringen uit de winst van het lopende boekjaar of uit de winst van het voorgaande boekjaar zolang de jaarrekening van dat boekjaar nog nie…
Structure & network
Connections & network
No current directors or connected companies found in the register.
Capital and shareholders
Capital over the years
- 15-09-2026 Capital stated in the act · 100 shares
Company details
Identification
Legal formPrivate limited company
Founded21-11-2013
Fiscal year end31-12
Activities, NACEBEL 2025
46319Wholesale of fruit and vegetables, excluding potatoes
46331Wholesale trade
46370Wholesale trade
46392Non-specialised wholesale
E-invoicing
Reachable via Peppol
Peppol ID
0208:0542382824
Registered
22-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.