FAJO

Active

Private limited companyfounded 2025active for 1 yearDuinkerkelaan 19B, 8660 De Panne, BelgiumKBO/BCE: BE 1025.452.821

Summary

The computed 12-month bankruptcy probability of FAJO is 2.8% (moderate). The 2025 annual accounts show equity of €17,333 and a net result of €15,333. Its solvency ranks better than 47% of 16,350 sector peers (NACE 56, financial year 2025). The company has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals.

Risk analysisFollow Report Compare

FAJOActiveChecked score 52/100

Risk analysis Report Compare

Activity

Full-service restaurants

NACE 56111

1 site

Size

€66,120total assets 2025

Equity: €17,333
Profit: €15,333

Turnover not published (micro format)

Financial health

52 Fair Checked score 2025

Bankruptcy probabilitywithin 12 months: 2.8%

Structure

Accounts 88 days early

Why 52raises riskFounded in 2025Sector: Food and beverage service activities (NACE 56)Size: total assets €66,120lowers riskLiquidity: current ratio 1.32, cash €9,117Show the evidence

Checked score

Score 2025

52 / 100

Fair

Probability in this band: 1.5% to 4.2%

Financially better than 63% of its sector peers (NACE 56, micro)

Every signal that counts is listed under Signals.

Financial strength

Strong

Solvency 51

equity 26.2% of total assets

Liquidity 54

short-term debt 31.3% · cash 13.8%

Profitability 98

return on assets 23.2%

Bankruptcy probability, 12 months

2.8% Moderate

0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.8% (23,718 companies, NACE 56, micro)

Last 24 months 08-2026: 2.6%lowest value 09-2026: 2.6%● unchanged vs 08-2026lowest value 10-2026: 2.8%▲ +0.2 percentage points vs 09-2026highest value

Credit of up to €500 on 30-day terms is acceptable

Liquidity tight (current ratio 1.32, below the usual 1.5; short-term debt: 31.3% and cash: 13.8% of total assets), and 73.8% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 56, micro): better than 47% on solvency, 57% on liquidity and 85% on profitability.

The bankruptcy probability was computed on 14-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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