FANTINOL
ActiveThe computed 12-month bankruptcy probability of FANTINOL is 1.7% (moderate). The 2025 annual accounts show equity of €164k and a net result of €16k. Equity is growing by ~11.5% per year across the filed fiscal years. Its solvency ranks better than 84% of 13071 sector peers (fiscal year 2025). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
86
/ 100
Excellent▼ -14 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50▼-50
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 2.38 against 2.72 in 2024), and 29.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
70.6%
Return on assets
7%
Age of the figures
8 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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
17 d early
2023
89 d early
2022
11 d early
2021
38 d early
2020
44 d early
2019
36 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€164k▲ 11.0%
2024 · €147k
2018: €74k
2019: €78k
2020: €107k
2021: €130k
2022: €111k
2023: €114k
2024: €147k
2018 → 2025
Total assets
€232k▲ 2.2%
2024 · €227k
2018: €134k
2019: €139k
2020: €172k
2021: €175k
2022: €174k
2023: €165k
2024: €227k
2018 → 2025
Net result
€16k▼ 52.0%
2024 · €34k
2018: €7k
2019: €4k
2020: €29k
2021: €22k
2022: €-18k
2023: €2k
2024: €34k
2018 → 2025
Working capital
€61k▼ 3.2%
2024 · €63k
2018: €34k
2019: €35k
2020: €64k
2021: €79k
2022: €54k
2023: €66k
2024: €63k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€130k-€111k▼ 14.1%€114k▲ 2.0%€147k▲ 29.8%€164k▲ 11.0%
Operating result€31k-€-17k€4k€52k▲ 1,059%€32k▼ 38.7%
Net result€22k-€-18k€2k€34k▲ 1,451%€16k▼ 52.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 39% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €232k
Fixed assets
€126k▼ 0.3%
Current assets
€106k▲ 5.4%
Equity and liabilities €232k
Equity
€164k▲ 11.0%
Debt
€68k▼ 14.2%
The debt ratio falls from 35.0% to 29.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€53k▼
2024 · €69k
Cash flow
€37k▼
2024 · €51k
Solvency
70.6%▲
2024 · 65.0%
Current ratio
2.38▼
2024 · 2.72
Quick ratio
2.26▼
2024 · 2.41
Debt / equity
0.42▼
2024 · 0.54
ROE
9.9%▼
2024 · 23.0%
ROA
7.0%▼
2024 · 14.9%
Interest coverage
10.13▼
2024 · 19.53
Debt
€68k▼
2024 · €79k
Debt ≤ 1 year
€44k▲
2024 · €37k
Debt > 1 year
€22k▼
2024 · €38k
Income taxes
€12k▼
2024 · €16k
Staff costs
€17k▼
2024 · €40k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€227k€232k▲
Fixed assets21/28€127k€126k▼
Tangible fixed assets22/27€126k€125k▼
Land and buildings22€8k€6k▼
Plant, machinery and equipment23€6k€3k▼
Furniture and vehicles24€112k€98k▼
Other tangible fixed assets26-€18k
Financial fixed assets28€825€825=
Current assets29/58€100k€106k▲
Amounts receivable after more than one year29€45k€45k=
Other amounts receivable291€45k€45k=
Stocks and contracts in progress3€12k€6k▼
Stocks30/36€12k€6k▼
Amounts receivable within one year40/41€4k€7k▲
Trade receivables40-€609
Other amounts receivable41€4k€6k▲
Cash at bank and in hand54/58€39k€43k▲
Deferred charges and accrued income490/1€1k€5k▲
Equity and liabilities
Total equity and liabilities10/49€227k€232k▲
Equity10/15€147k€164k▲
Contributions10/11€50k€50k=
Reserves13€97k€114k▲
Tax-exempt reserves132€3k€3k=
Distributable reserves133€95k€111k▲
Profit (loss) carried forward14€96€57▼
Amounts payable17/49€79k€68k▼
Amounts payable after more than one year17€38k€22k▼
Financial debts170/4€38k€22k▼
Amounts payable within one year42/48€37k€44k▲
Current portion of amounts payable after more than one year42€18k€19k▲
Trade debts44€3k€15k▲
Suppliers440/4€3k€15k▲
Taxes, remuneration and social security45€9k€10k▲
Taxes450/3€2k€3k▲
Remuneration and social security454/9€7k€7k▲
Other amounts payable47/48€6k€0▼
Accrued charges and deferred income492/3€4k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€40k€17k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€21k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€111k€73k▼
Operating profit (loss)9901€52k€32k▼
Financial income75/76B€1k€1k▲
Recurring financial income75€1k€1k▲
Financial charges65/66B€4k€5k▲
Recurring financial charges65€4k€5k▲
Profit (loss) for the period before taxes9903€50k€28k▼
Income taxes67/77€16k€12k▼
Profit (loss) for the period9904€34k€16k▼
Profit (loss) for the period to be appropriated9905€34k€16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€18k€16k▼
Profit (loss) brought forward from the previous period14P€-16k€96▲
Transfer to equity691/2€18k€16k▼
To other reserves6921€18k€16k▼
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €150kEq €164k ▲11%
3 profitable years in a row build equity to €164k.
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €34k ▲1451%
Operating result €52k, net result €34k, both a record.
03-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-18k ▼182%
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
17-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €107k ▲36.8%
3 profitable years in a row build equity to €107k.
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, De Haan · 2 establishment units since 2010
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.
Nieuwe Steenweg 1478420 De HaanGround area
2,089 m²
Building footprint
388 m²
Volume, LiDAR
2,219 m³
3 parcels, Flanders · tallest building 12.8 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
Pizzeria Piano Piano
since 20102.192.623.236
Nieuwe Steenweg 183, 8420 De Haan
since 20262.392.019.208
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35007A0480/00P002 | Flanders | 1,460 m² | 1 · 102 m² | 4.1 m · 1 fl. |
| 35007A0504/00H000 | Flanders | 506 m² | 1 · 178 m² | 8.0 m · 2 fl. |
| 35007A0022/00Z006 | Flanders | 124 m² | 1 · 107 m² | 12.8 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteDe Haan2.192.623.236
Similar companies · same sector, comparable size
FRITUUR DE SNEPPE
BE 0479.752.496
Tielt · Eq €164k
FAMILY DRIVE
BE 0453.840.234
Gent · Eq €164k
DEDROP
BE 1002.654.059
Tenneville · Eq €164k
Bij Bibi
BE 0767.884.068
Heist-op-den-Berg · Eq €163k
CASA PACO
BE 0829.405.329
Ans · Eq €164k
Of 21,621 companies in sector 56112 we hold annual accounts for 9,654. 7,023 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-10-2010
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.