FANZY
ActiveThe computed 12-month bankruptcy probability of FANZY is 3.0% (moderate). The 2025 annual accounts show equity of €35k and a net result of €35k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 53% of 13090 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency59▲+33
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
3.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.24 against 0.18 in 2024; short-term debt: 59.9% and cash: 0.3% of total assets), and 66.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
33.6%
Return on assets
33%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 7 filingsDeviation from the deadline
2025
28 d late
2024
197 d late
2023
69 d late
2022
176 d late
2021
325 d late
2020
63 d late
2019
119 d late
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€35k▲ 5,412%
2024 · €638
2019: €9k
2020: €11k
2021: €-40k
2022: €-49k
2023: €-27k
2024: €638
2019 → 2025
Total assets
€105k▲ 9.2%
2024 · €96k
2019: €114k
2020: €126k
2021: €127k
2022: €110k
2023: €98k
2024: €96k
2019 → 2025
Net result
€35k▲ 26.5%
2024 · €27k
2019: €-10k
2020: €3k
2021: €-51k
2022: €-9k
2023: €22k
2024: €27k
2019 → 2025
Working capital
€-48k▲ 26.4%
2024 · €-65k
2019: €-23k
2020: €-38k
2021: €-101k
2022: €-98k
2023: €-92k
2024: €-65k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-40k-€-49k▼ 22.7%€-27k▲ 45.2%€638€35k▲ 5,412%
Operating result€-50k-€-7k▲ 85.6%€24k€31k▲ 26.7%€45k▲ 48.1%
Net result€-51k-€-9k▲ 82.3%€22k€27k▲ 24.2%€35k▲ 26.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 48% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €105k
Fixed assets
€90k▲ 9.3%
Current assets
€15k▲ 8.5%
Equity and liabilities €105k
Equity
€35k▲ 5,412%
Debt
€70k▼ 27.0%
The debt ratio falls from 99.3% to 66.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€55k▲
2024 · €41k
Cash flow
€45k▲
2024 · €38k
Solvency
33.6%▲
2024 · 0.7%
Current ratio
0.24▲
2024 · 0.18
Quick ratio
0.24▲
2024 · 0.18
Debt / equity
1.98
ROE
98.2%
ROA
33.0%▲
2024 · 28.4%
Interest coverage
19.33▲
2024 · 12.70
Debt
€70k▼
2024 · €95k
Debt ≤ 1 year
€63k▼
2024 · €79k
Debt > 1 year
€6k▼
2024 · €15k
Income taxes
€8k
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€96k€105k▲
Fixed assets21/28€82k€90k▲
Tangible fixed assets22/27€82k€90k▲
Land and buildings22€71k€66k▼
Plant, machinery and equipment23€7k€5k▼
Furniture and vehicles24€3k€18k▲
Current assets29/58€14k€15k▲
Amounts receivable within one year40/41€13k€14k▲
Trade receivables40€13k€14k▲
Cash at bank and in hand54/58€1k€321▼
Deferred charges and accrued income490/1-€617
Equity and liabilities
Total equity and liabilities10/49€96k€105k▲
Equity10/15€638€35k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€-18k€17k▲
Amounts payable17/49€95k€70k▼
Amounts payable after more than one year17€15k€6k▼
Financial debts170/4€15k€6k▼
Amounts payable within one year42/48€79k€63k▼
Current portion of amounts payable after more than one year42€11k€9k▼
Trade debts44€2k€13k▲
Suppliers440/4€2k€13k▲
Taxes, remuneration and social security45€5k€7k▲
Taxes450/3€5k€7k▲
Other amounts payable47/48€60k€34k▼
Accrued charges and deferred income492/3€2k€752▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€10k▼
Other operating charges640/8€5k€1k▼
Gross operating margin9900€46k€56k▲
Operating profit (loss)9901€31k€45k▲
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€27k€42k▲
Income taxes67/77-€8k
Profit (loss) for the period9904€27k€35k▲
Profit (loss) for the period to be appropriated9905€27k€35k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-18k€17k▲
Profit (loss) brought forward from the previous period14P€-45k€-18k▲
The notes to these accounts (6 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
13-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 197 days late
2025
31-12
Financial
Highest result since 2019net €35k ▲26.5%
Operating result €45k, net result €35k, both a record.
2024
08-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 69 days late
23-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 176 days late
2023
31-12
Financial
Back to profitnet €22k
Net result €22k after 2 loss-making years.
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 325 days late
2021
31-12
Financial
Weakest financial yearnet €-51k ▼2099%
Net result drops to €-51k, the lowest in the series; recovery starts the following year.
02-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 63 days late
2020
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
27-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 119 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Houthalen-Helchteren · 1 establishment unit since 2019
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.
Springstraat 223530 Houthalen-HelchterenGround area
305 m²
Building footprint
144 m²
Volume, LiDAR
785 m³
Parcel 72453F0769/00T000, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FANZY
since 20192.288.301.660
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72453F0769/00T000 | Flanders | 305 m² | 1 · 144 m² | 9.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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 siteHouthalen-Helchteren2.288.301.660
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CHALET RADAR
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Flobecq · Eq €35k
COCOMORI
BE 0727.447.837
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IBISCUS RHODOS
BE 0477.550.497
Brussel · Eq €35k
Fantastico
BE 0459.342.807
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Of 20,506 companies in sector 56111 we hold annual accounts for 11,453. 9,609 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-04-2019
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.