FANDOR
ActiveSummary
FANDOR has been active since 1982 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €237k and a net result of €4k. Equity remains stable across the filed fiscal years (±0.7% per year). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability39▲+4
Solvency49▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 17.13 against 18.63 in 2024; short-term debt: 2.9% and cash: 0% of total assets), but 76.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six 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
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
23.5%
Return on assets
0.4%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 18-12-2025, 44 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
44 d early
2024
39 d early
2023
on the day
2022
6 d early
2021
on the day
2019
91 d late
2018
29 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · 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.
Companies Code · seven monthsPosition in the running window
30-06-2026 close25-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€237k▲ 1.8%
2024 · €233k
2018: €121klowest value
2019: €294k▲ +142% vs 2018highest value
2021: €230k
2022: €231k▲ +0.3% vs 2021
2023: €233k▲ +1.0% vs 2022
2024: €233k▼ -0.1% vs 2023
2025: €237k▲ +1.8% vs 2024
2018 → 2025
Total assets
€1.01M▼ 2.0%
2024 · €1.03M
2018: €531k
2019: €527k▼ -0.8% vs 2018lowest value
2021: €1.00M
2022: €1.07M▲ +7.0% vs 2021highest value
2023: €1.05M▼ -1.8% vs 2022
2024: €1.03M▼ -2.1% vs 2023
2025: €1.01M▼ -2.0% vs 2024
2018 → 2025
Net result
€4k
2024 · €-144
2018: €-1k
2019: €-1k▲ +2.0% vs 2018
2021: €-63klowest value
2022: €771▲ +101% vs 2021
2023: €2k▲ +192% vs 2022
2024: €-144▼ -106% vs 2023
2025: €4k▲ +2956% vs 2024highest value
2018 → 2025
Working capital
€475k▼ 1.1%
2024 · €480k
2018: €513khighest value
2019: €512k▼ -0.2% vs 2018
2021: €308klowest value
2022: €493k▲ +60.1% vs 2021
2023: €490k▼ -0.7% vs 2022
2024: €480k▼ -1.9% vs 2023
2025: €475k▼ -1.1% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€230k-€231k▲ 0.3%€233k▲ 1.0%€233k▼ 0.1%€237k▲ 1.8%
2021: €230klowest in 5 years
2022: €231k▲ +0.3% vs 2021
2023: €233k▲ +1.0% vs 2022
2024: €233k▼ -0.1% vs 2023
2025: €237k▲ +1.8% vs 2024highest in 5 years
Operating result€-85k-€7k€8k▲ 4.4%€5k▼ 36.6%€9k▲ 77.7%
2021: €-85klowest in 5 years
2022: €7k▲ +109% vs 2021
2023: €8k▲ +4.4% vs 2022
2024: €5k▼ -36.6% vs 2023
2025: €9k▲ +77.7% vs 2024highest in 5 years
Net result€-63k-€771€2k▲ 192%€-144€4k
2021: €-63klowest in 5 years
2022: €771▲ +101% vs 2021
2023: €2k▲ +192% vs 2022
2024: €-144▼ -106% vs 2023
2025: €4k▲ +2956% vs 2024highest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 78% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.01M
Fixed assets
€505k ▼ 3.3%
Current assets
€504k ▼ 0.6%
Equity and liabilities €1.01M
Equity
€237k ▲ 1.8%
Provisions
€169k ▼ 3.7%
Debt
€603k ▼ 2.9%
Debt's share of the balance-sheet total falls from 60.3% to 59.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€26k▲
2024 · €22k
Cash flow
€21k▲
2024 · €17k
Current ratio
17.13▼
2024 · 18.63
Debt to equity
2.54▼
2024 · 2.66
ROE
1.7%▲
2024 · -0.1%
ROA
0.4%▲
2024 · 0.0%
Interest coverage
2.33▲
2024 · 1.91
Debt ≤ 1 year
€29k▲
2024 · €27k
Debt > 1 year
€568k▼
2024 · €589k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.03M€1.01M▼
Fixed assets21/28€522k€505k▼
Tangible fixed assets22/27€522k€505k▼
Land and buildings22€522k€505k▼
Current assets29/58€508k€504k▼
Amounts receivable within one year40/41€507k€504k▼
Trade receivables40€0-
Other amounts receivable41€507k€504k▼
Cash at bank and in hand54/58€431€0▼
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€1.03M€1.01M▼
Equity10/15€233k€237k▲
Contributions10/11€20k€20k=
Reserves13€275k€265k▼
Tax-exempt reserves132€275k€265k▼
Profit (loss) carried forward14€-62k€-48k▲
Provisions and deferred taxes16€176k€169k▼
Deferred taxes168€176k€169k▼
Amounts payable17/49€621k€603k▼
Amounts payable after more than one year17€589k€568k▼
Financial debts170/4€589k€568k▼
Amounts payable within one year42/48€27k€29k▲
Current portion of amounts payable after more than one year42€20k€20k▲
Financial debts43-€196
Credit institutions430/8-€196
Trade debts44€4k€1k▼
Suppliers440/4€4k€1k▼
Other amounts payable47/48€4k€7k▲
Accrued charges and deferred income492/3€5k€5k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€17k=
Other operating charges640/8€4k€3k▼
Gross operating margin9900€26k€29k▲
Operating profit (loss)9901€5k€9k▲
Financial income75/76B€2€0▼
Recurring financial income75€2€0▼
Financial charges65/66B€12k€11k▼
Recurring financial charges65€12k€11k▼
Profit (loss) for the period before taxes9903€-7k€-2k▲
Transfer from deferred taxes780€7k€7k=
Profit (loss) for the period9904€-144€4k▲
Transfer from tax-exempt reserves789€10k€10k=
Profit (loss) for the period to be appropriated9905€10k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-62k€-48k▲
Profit (loss) brought forward from the previous period14P€-73k€-62k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €83k | €18k | €17k | €17k | €17k | = |
| Other operating charges640/8 | - | €2k | €3k | €4k | €3k | ▼ 4.8% |
| Gross operating margin9900 | €-55 | €28k | €28k | €26k | €29k | ▲ 14.0% |
| Operating profit (loss)9901 | €-85k | €7k | €8k | €5k | €9k | ▲ 77.7% |
| Financial income75/76B | - | - | - | €2 | €0 | ▼ 100% |
| Recurring financial income75 | €0 | - | - | €2 | €0 | ▼ 100% |
| Financial charges65/66B | - | €13k | €12k | €12k | €11k | ▼ 4.1% |
| Recurring financial charges65 | €570 | €13k | €12k | €12k | €11k | ▼ 4.1% |
| Profit (loss) for the period before taxes9903 | €-85k | €-6k | €-4k | €-7k | €-2k | ▲ 63.4% |
| Transfer from deferred taxes780 | - | €7k | €7k | €7k | €7k | = |
| Profit (loss) for the period9904 | €-63k | €771 | €2k | €-144 | €4k | ▲ 2,956% |
| Transfer from tax-exempt reserves789 | - | €10k | €10k | €10k | €10k | = |
| Profit (loss) for the period to be appropriated9905 | €-29k | €11k | €13k | €10k | €14k | ▲ 42.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.00M | €1.07M | €1.05M | €1.03M | €1.01M | ▼ 2.0% |
| Formation expenses20 | €736 | €0 | - | - | - | - |
| Fixed assets21/28 | €574k | €557k | €540k | €522k | €505k | ▼ 3.3% |
| Tangible fixed assets22/27 | €574k | €557k | €540k | €522k | €505k | ▼ 3.3% |
| Land and buildings22 | - | €557k | €540k | €522k | €505k | ▼ 3.3% |
| Current assets29/58 | €426k | €515k | €512k | €508k | €504k | ▼ 0.6% |
| Amounts receivable within one year40/41 | €424k | €513k | €509k | €507k | €504k | ▼ 0.6% |
| Trade receivables40 | - | - | €500 | €0 | - | - |
| Other amounts receivable41 | - | €513k | €508k | €507k | €504k | ▼ 0.6% |
| Cash at bank and in hand54/58 | €2k | €2k | €3k | €431 | €0 | ▼ 100% |
| Deferred charges and accrued income490/1 | - | - | €553 | €0 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.00M | €1.07M | €1.05M | €1.03M | €1.01M | ▼ 2.0% |
| Equity10/15 | €230k | €231k | €233k | €233k | €237k | ▲ 1.8% |
| Contributions10/11 | - | €20k | €20k | €20k | €20k | = |
| Reserves13 | €306k | €296k | €286k | €275k | €265k | ▼ 3.7% |
| Tax-exempt reserves132 | - | €296k | €286k | €275k | €265k | ▼ 3.7% |
| Profit (loss) carried forward14 | €-96k | €-85k | €-73k | €-62k | €-48k | ▲ 23.0% |
| Provisions and deferred taxes16 | €196k | €189k | €183k | €176k | €169k | ▼ 3.7% |
| Deferred taxes168 | - | €189k | €183k | €176k | €169k | ▼ 3.7% |
| Amounts payable17/49 | €575k | €651k | €636k | €621k | €603k | ▼ 2.9% |
| Amounts payable after more than one year17 | €457k | €625k | €608k | €589k | €568k | ▼ 3.5% |
| Financial debts170/4 | - | €625k | €608k | €589k | €568k | ▼ 3.5% |
| Amounts payable within one year42/48 | €118k | €22k | €23k | €27k | €29k | ▲ 8.1% |
| Current portion of amounts payable after more than one year42 | - | €22k | €19k | €20k | €20k | ▲ 2.6% |
| Financial debts43 | - | - | - | - | €196 | - |
| Credit institutions430/8 | - | - | - | - | €196 | - |
| Trade debts44 | - | - | €442 | €4k | €1k | ▼ 59.6% |
| Suppliers440/4 | - | - | €442 | €4k | €1k | ▼ 59.6% |
| Other amounts payable47/48 | - | €0 | €3k | €4k | €7k | ▲ 96.9% |
| Accrued charges and deferred income492/3 | - | €4k | €5k | €5k | €5k | ▲ 1.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-63k | €771 | €2k | €-144 | €4k | ▲ 2,956% |
| + Depreciation and write-downs630 | €83k | €18k | €17k | €17k | €17k | = |
| Operating cash flow (approximation) | €20k | €19k | €20k | €17k | €21k | ▲ 24.9% |
| Investment in fixed assets (approximation) | - | €-736 | €0 | €0 | €0 | - |
| Change in cash | - | €-80 | €640 | €-2k | €-431 | ▲ 81.5% |
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
2025
18-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
2024
23-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Back to profitnet €771
Net result €771 after 3 loss-making years.
30-06
Financial
Liquidity times 7current ratio 23.57
Current ratio from 3.60 to 23.57; short-term debt falls from €118k to €22k.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Weakest financial yearnet €-63k
Net result drops to €-63k, the lowest in the series; recovery starts the following year.
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-12
Financial
Equity above €200kEq €294k ▲142%
Equity rises from €121k to €294k.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
Show earlier events
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 396 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Lasne · 2 establishment units since 1983
Ground area
6,790 m²
Building footprint
417 m²
Volume, LiDAR
1,606 m³
2 parcels, Wallonia · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
2 establishment units
Rue Potriau 8, 5140 Sombreffe
since 19832.021.498.212
Rue Potriau 8, 5140 Sombreffe
since 19972.021.498.311
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92114G0180/00B005 | Wallonia | 4,225 m² | 1 · 210 m² | - |
| 25051F0278/00P000 | Wallonia | 2,565 m² | 1 · 207 m² | 10.1 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Identification & contact
Identification
Legal formPrivate limited company
Founded01-11-1982
Fiscal year end30-06
Scores and ratios are computed by Checked and are not a credit decision.