Skip to content

FAME

Active
Private limited company (pre-2019)·Activiteiten van eetgelegenheden met volledige bediening· 40 yrs active
Grote Markt 25 ·1800 Vilvoorde, Belgium
KBO/BCE: BE 0428.779.986
Watch Print / PDF
Age40 yrs
Staff (FTE)2.9
Real estate1 parcel · 118 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of FAME is 1.5% (moderate). The 2025 annual accounts show negative equity (€-22k) and a net result of €-19k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 18% of 1080 sector peers (fiscal year 2025). The company has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
1.5% Moderate
0%0,5%1,5%4%10%≥25%
Higher-failure-rate sector +Long track record −Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Signals

1 signal · with evidence
Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
View the annual accounts

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 30-06. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-06-2025, that is 31-01-2026.
Deadline per financial year
Year closed Due by Filed Variance Reference
30-06-2025 31-01-2026 02-02-2026 2 d late 2026-00027001
30-06-2024 31-01-2025 31-01-2025 on the day 2025-00017749
30-06-2023 31-01-2024 31-01-2024 on the day 2024-00019834
30-06-2022 31-01-2023 31-01-2023 on the day 2023-00024699
30-06-2021 31-01-2022 31-01-2022 on the day 2022-04800201
30-06-2020 31-01-2021 18-02-2021 18 d late 2021-05600570
30-06-2019 31-01-2020 02-12-2019 60 d early 2019-75200420
30-06-2018 31-01-2019 22-11-2018 70 d early 2018-72600446
30-06-2017 31-01-2018 29-11-2017 63 d early 2017-70800086
30-06-2015 31-01-2016 29-02-2016 29 d late 2016-05400592

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Long-established
Founded in 1986, 40 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-19k-51.4%
Working capital€-34k-39.4%

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 02-02-2026 with the NBB · fiscal year 2025 · micro
€-75k€-50k€-25k€0€25kOperating result 2021: €-26k€-26kNet result 2021: €-60k€-60kOperating result 2022: €28k€28kNet result 2022: €27k€27kOperating result 2023: €25k€25kNet result 2023: €24k€24kOperating result 2024: €-12k€-12kNet result 2024: €-13k€-13kOperating result 2025: €-19k€-19kNet result 2025: €-19k€-19k20212022202320242025
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
volatile Too volatile to project: the yearly deviation from the trend is ~103% of the level (threshold 35%). We therefore deliberately show no projection line.
€-60k€-40k€-20k€0€20k2019: €4k2020: €-14k2021: €-41k2022: €-14k2023: €11k2024: €-2k2025: €-22k2019202020212022202320242025
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2025 · NACE 56, Food & beverage service · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -14.5% 25.9%
better than 18% of 1080 sector peers
Net result €-19k €7k
better than 12% of 1081 sector peers
Equity €-22k €23k
better than 13% of 1083 sector peers
Gross operating margin €106k €64k
better than 65% of 1077 sector peers
Staff costs €114k €52k
higher than 74% of 788 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
Solvency P18
2020: P29 · n=12902021: P15 · n=20872022: P27 · n=35442023: P40 · n=47912024: P30 · n=56152025: P18 · n=10802020 2025
Stable position over 2020-2025 · n=1080-5615
Net result P12
2020: P19 · n=12822021: P9 · n=20822022: P83 · n=35262023: P81 · n=47802024: P19 · n=56032025: P12 · n=10812020 2025
Stable position over 2020-2025 · n=1081-5603
Equity P13
2020: P25 · n=12942021: P11 · n=20942022: P20 · n=35502023: P50 · n=48052024: P29 · n=56262025: P13 · n=10832020 2025
Stable position over 2020-2025 · n=1083-5626
Gross operating margin P65
2020: P14 · n=12772021: P14 · n=20702022: P71 · n=35122023: P71 · n=47632024: P69 · n=55892025: P65 · n=10772020 2025
Improving position over 2020-2025 · n=1077-5589
Describes the position versus peers, not a forecast.
EBITDA
€-9k
-1014.4% 19-25
Net profit
€-19k
-51.4% 19-25
Cash flow
€-10k
-447.5% 19-25
Total assets
€150k
-3.0% 19-25
Equity
€-22k
-857.5% 19-25
Working capital
€-34k
-39.4% 19-25
Employees (FTE)
3
-17.1% 19-25
Staff costs
€114k
+9.3% 19-25
Income taxes
€142
+5.7% 19-25
Debt
€172k
+9.5% 19-25
Debt ≤ 1y
€151k
+10.9% 19-25
Debt > 1y
€21k
0.0% 19-25
Current ratio
0.78
-5.6% 19-25
Quick ratio
0.74
-6.0% 19-25
Solvency
-14.5%
-886.8% 19-25
Debt / equity
-7.92
+88.6% 19-25
ROE
89.6%
-84.2% 19-25
ROA
-12.9%
-56.0% 19-25
Interest coverage
-14.71
-1423.1% 19-25
Figures by fiscal year
Fiscal year2025
Depositmicro
Revenue-
EBITDA€-9k
Net profit€-19k
Cash flow€-10k
Staff costs€114k
Income taxes€142
Dividends-
Total assets€150k
Equity€-22k
Debt€172k
of which ≤ 1y€151k
of which > 1y€21k
Working capital€-34k
Employees (FTE)2.9
Ratios (computed)
2025
Current ratio0.78
Quick ratio0.74
Working capital ratio-22.5%
Solvency-14.5%
Debt / equity-7.92
Long-term debt ratio-0.98
Interest coverage-14.71
Gross margin-
Net margin-
ROA-12.9%
ROE89.6%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€150k
Fixed assets 21/28€33k
Intangible fixed assets 21€11k
Tangible fixed assets 22/27€15k
Financial fixed assets 28€7k
Current assets 29/58€117k
Stocks & contracts in progress 3€6k
Amounts receivable within one year 40/41€4k
Cash & bank 54/58€104k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€150k
Equity 10/15€-22k
Contributions / capital 10/11€19k
Accumulated profits (losses) 14€-41k
Amounts payable 17/49€172k
Amounts payable after one year 17€21k
Amounts payable within one year 42/48€151k
Trade debts payable within one year 44€15k
Income statement
Gross operating margin 9900€106k
Operating result 9901€-19k
Financial income 75€11
Financial charges 65€600
Result before taxes 9903€-19k
Income taxes 67/77€142
Net result for the period 9904€-19k
Result to be appropriated 9905€-19k
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2025 · computed
12 / 100 Critical
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Directors

Directors & mandates

1 director
Former directors (1)
  • Schoonjans Marc
    Director
    State Gazette act 22062148 (23-05-2022)
    Former
    - → 01-01-2022
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary Activiteiten van eetgelegenheden met volledige bediening(56111)
Legal form Private limited company (pre-2019)(015)
Incorporation27-03-1986
StatusActive
Postal code1800

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Grote Markt 251800 Vilvoorde

Establishment units

1 location
LUMINOR
Grote Markt 25, 1800 VilvoordeEetgelegenheden met beperkte bediening
since 20182.281.868.481
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area118 m²
Buildings1
Building footprint112 m²
Volume (LiDAR)880 m³
Tallest building13.7 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
23642D0434/00E000
ProtectedMonumentCafé LuminorSource ↗
 Flanders 118 m² 1 · 112 m² 13.7 m · 3 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

1 acts
All acts · 1 updated 4 years ago
2022
23-05-2022 Schoonjans Marc resigns as director Director changes
  • Schoonjans Marc, Bestuurder

Analysis

Snowflake analysis

financial profile on 5 axes
Health12Profitability100Solvency39Growth32Stability100
57 / 100

Mixed profile: strong on profitability, weaker on health.

All 5 axes are computed from data Checked has read.

Health 12
Profitability 100
Solvency 39
Growth 32
Stability 100

Ask AI about this company

Checked AI

Soon: ask questions about this dossier, risks, curator, sector comparison, answered from the official data on this page.

TryWhat are the main risks?Any recent red flags?Compare to sector peers
Coming soon

AI due-diligence brief

Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works

Credit advice

verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 2,912 of the 20,287 companies in this sector. 2,239 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Fastfoodzaken, snackbars, frituren en dergelijke55302Eetgelegenheden met volledige bediening56101Eetgelegenheden met beperkte bediening56102Activiteiten van eetgelegenheden met volledige bediening56111Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden56112
Primary activity highlighted.
Names & trade names
Legal nameNL FAME
Registered office
Grote Markt 25
1800 Vilvoorde, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.