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FANCY GOLD

Active
Private limited companyfounded 20197 yrs activeBrabantstraat 112, 1210 Sint-Joost-ten-Node, BelgiumKBO/BCE: BE 0734.549.128
Summary

The computed 12-month bankruptcy probability of FANCY GOLD is 11.1% (high). The annual accounts of FANCY GOLD for fiscal year 2024 show a net loss of 80% of the equity at the start of that year. The 2024 annual accounts show equity of €4,900 and a net result of -€14,893. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 27% of 26033 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
FANCY GOLDActiveChecked score 29/100
Risk analysis ReportCompare

Overview

Activity
Retail sale of souvenirs and religious articles
NACE 47784Retail sale of watches and jewellery NACE 47770NACE 47786
2 sites
Size
€81,715total assets 2024
Equity
€4,900
Loss
-€14,893
Turnover not published (abridged schema)
Financial health
29 Weak Checked score 2024
Bankruptcy chance 12 m
11.1%
Structure
Accounts 65 d overdue0 of 3 deeds read
Why 29- 1 financial year not filed after the legal deadline; latest accounts 172 days late; 3 of the last 3 late- Figures for FY 2024 (filed 19-01-2026)- Founded in 2019- Loss of €14,893, the second in a row (FY 2024)Show the evidence

Checked score

Score 2024
29 / 100
Weak
Probability in this band: 4.2% to 15.0%
Better than 14% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2023
Weak
Solvency 31-18
equity 6.0% of total assets
Liquidity 20+2
short-term debt 94.0% · cash 15.6%
Profitability 0-8
return on assets -18.2%
Bankruptcy probability, 12 months
11.1% High
0%0.5%1.5%4%10%≥ 25%

About 1 in 9 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (39,974 companies)
Last 24 months 11-2024: 4.5%lowest value 12-2024: 5.9%▲ +30.2% vs 11-2024 01-2025: 8.2%▲ +38.6% vs 12-2024 02-2025: 8.2%● 0.0% vs 01-2025 03-2025: 8.6%▲ +5.2% vs 02-2025 04-2025: 7.9%▼ -8.3% vs 03-2025 05-2025: 7.9%● 0.0% vs 04-2025 06-2025: 7.7%▼ -1.7% vs 05-2025 07-2025: 7.7%● 0.0% vs 06-2025 08-2025: 9.8%▲ +26.2% vs 07-2025 09-2025: 9.8%● 0.0% vs 08-2025 10-2025: 9.8%● 0.0% vs 09-2025 11-2025: 9.8%● 0.0% vs 10-2025 12-2025: 9.8%● 0.0% vs 11-2025 01-2026: 15.0%▲ +53.4% vs 12-2025highest value 02-2026: 7.0%▼ -53.6% vs 01-2026 03-2026: 7.0%● 0.0% vs 02-2026 04-2026: 7.0%▲ +0.8% vs 03-2026 05-2026: 6.9%▼ -1.1% vs 04-2026 06-2026: 6.6%▼ -4.2% vs 05-2026 07-2026: 6.6%▼ -1.1% vs 06-2026 08-2026: 7.5%▲ +13.6% vs 07-2026 09-2026: 8.1%▲ +8.1% vs 08-2026 10-2026: 11.1%▲ +37.8% vs 09-2026
  • 1 financial year not filed after the legal deadline; latest accounts 172 days late; 3 of the last 3 late raises the probability
  • Figures for FY 2024 (filed 19-01-2026) raises the probability
  • Founded in 2019 raises the probability for this profile
  • Loss of €14,893, the second in a row (FY 2024) raises the probability
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.06 against 1.3 in 2023; short-term debt: 94% and cash: 15.6% of total assets), and 94% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 23%, liquidity 18%, profitability 6%, growth against the median 8%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
+raises risk
raises risk · 1 financial year not filed after the legal deadline; latest accounts 172 days late; 3 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
raises risk · Figures for FY 2024 (filed 19-01-2026)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Founded in 2019
In the bankruptcy model this factor raises the probability for this profile.
KBO
raises risk · Loss of €14,893, the second in a row (FY 2024)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024
Net result per financial year
21222324
2021 to 2024 · latest year -€14,893
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 19-01-2026, 172 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 5 filings
Deviation from the deadline
2025
not confirmed
2024
172 d late
2023
533 d late
2022
126 d late
2021
131 d late
2020
285 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 5 accounts on average 249 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2024 · micro…
  2. Annual accounts filedfiscal year 2023 · micro…
  3. Weakest financial yearnet -€14,893

Key points

  • Caution: Among the weakest 14% on net resultsector median €4,452 · 26,001 companies -€14,893 View
  • Caution: Accounts not fileddeadline was 31-07-2026 65 d late View
  • Caution: 2 loss-making years in a rowloss fiscal year 2024 -€14,893 View

By topic

Financials

Fiscal year
2024
Total assets
€81,715
Loss
-€14,893
Solvency
6.0%
Total assets▲ 4.1%
Net result
20202024
Go to Financials

Timeline

Events
7
Since
2022
  1. 19-01-2026Annual accounts filed
  2. 15-01-2026Annual accounts filed
  3. 31-12-2024Weakest financial year
Go to Timeline

Company details

Sites
2
Legal form
Private limited company
Activity
Retail sale of souvenirs and religious articlesNACE 47784
Founded
17-09-2019
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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