FARYA
ActiveSummary
The computed 12-month bankruptcy probability of FARYA is 2.5% (moderate). The 2025 annual accounts show equity of €13,696 and a net result of €9,737. Equity remains stable across the filed fiscal years (±2% per year). Its solvency ranks better than 33% of 7625 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability93▲+93
Solvency52=
Growth52=
Track record100
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.33 against 1.25 in 2024; short-term debt: 72.7% and cash: 32.4% of total assets), and 72.7% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← 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
27.3%
Return on assets
19.4%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 01-04-2026, 29 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
29 d early
2024
35 d early
2023
33 d early
2022
32 d early
2021
26 d early
← 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 31 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 29 March (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 close30-09-2026 today30-04-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
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Financials · fiscal year 2025, micro schema
Equity
€13,696▲ 0.3%
2024 · €13,659
Total assets
€50,079▼ 0.5%
2024 · €50,310
Net result
€9,737
2024 · -€33,979
Working capital
€12,099▲ 33.3%
2024 · €9,077
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€15,012-€12,184▼ 18.8%€30,308▲ 149%-€29,359€10,621
Net result€11,826within the sector's middle half-€12,099within the sector's middle half▲ 2.3%€23,714within the sector's middle half▲ 96.0%-€33,979below the sector's middle half€9,737within the sector's middle half
Equity€11,826below the sector's middle half-€23,924within the sector's middle half▲ 102%€47,638within the sector's middle half▲ 99.1%€13,659within the sector's middle half▼ 71.3%€13,696below the sector's middle half▲ 0.3%
Total assets€26,176below the sector's middle half-€63,403within the sector's middle half▲ 142%€97,774within the sector's middle half▲ 54.2%€50,310below the sector's middle half▼ 48.5%€50,079below the sector's middle half▼ 0.5%
Debt€14,350-€39,479▲ 175%€50,136▲ 27.0%€36,651▼ 26.9%€36,383▼ 0.7%
Working capital€2,231within the sector's middle half-€14,644within the sector's middle half▲ 556%€41,368within the sector's middle half▲ 182%€9,077within the sector's middle half▼ 78.1%€12,099within the sector's middle half▲ 33.3%
Solvency45.2%within the sector's middle half-37.7%within the sector's middle half▼ 7.4pp48.7%within the sector's middle half▲ 11.0pp27.1%within the sector's middle half▼ 21.6pp27.3%within the sector's middle half▲ 0.2pp
Current ratio1.16within the sector's middle half-1.37within the sector's middle half▲ 0.221.83within the sector's middle half▲ 0.451.25within the sector's middle half▼ 0.581.33within the sector's middle half▲ 0.08
Return on assets (ROA)45.2%above the sector's middle half-19.1%above the sector's middle half▼ 26.1pp24.3%above the sector's middle half▲ 5.2pp-67.5%below the sector's middle half▼ 91.8pp19.4%within the sector's middle half▲ 87.0pp
above
within
below
the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €10,621 after a loss of €29,359 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €50,079
Fixed assets
€1,597 ▼ 64.2%
Current assets
€48,482 ▲ 6.0%
Equity and liabilities €50,079
Equity
€13,696 ▲ 0.3%
Debt
€36,383 ▼ 0.7%
Debt's share of the balance-sheet total falls from 72.9% to 72.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€13,607▲
2024 · -€25,011
Cash flow
€12,722▲
2024 · -€29,630
Debt to equity
2.66▼
2024 · 2.68
ROE
71.1%▲
2024 · -248.8%
Interest coverage
68.61▲
2024 · -18.63
Debt ≤ 1 year
€36,383▼
2024 · €36,651
Income taxes
€686▼
2024 · €3,393
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,713 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 96% are still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
1.8%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 2.5% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,713 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8,208 | €7,077 | €7,088 | €4,349 | €2,986 | ▼ 31.3% |
| Other operating charges640/8 | €1,508 | €1,450 | €1,003 | €3,312 | €4,003 | ▲ 20.9% |
| Gross operating margin9900 | €24,727 | €20,711 | €38,398 | -€21,699 | €17,610 | ▲ 181% |
| Operating profit (loss)9901 | €15,012 | €12,184 | €30,308 | -€29,359 | €10,621 | ▲ 136% |
| Financial income75/76B | - | - | €0 | €116 | - | - |
| Recurring financial income75 | - | - | €0 | €116 | - | - |
| Financial charges65/66B | €40 | €85 | €344 | €1,342 | €198 | ▼ 85.2% |
| Recurring financial charges65 | €40 | €85 | €344 | €1,342 | €198 | ▼ 85.2% |
| Profit (loss) for the period before taxes9903 | €14,972 | €12,099 | €29,964 | -€30,586 | €10,422 | ▲ 134% |
| Income taxes67/77 | €3,147 | - | €6,250 | €3,393 | €686 | ▼ 79.8% |
| Profit (loss) for the period9904 | €11,826 | €12,099 | €23,714 | -€33,979 | €9,737 | ▲ 129% |
| Profit (loss) for the period to be appropriated9905 | €11,826 | €12,099 | €23,714 | -€33,979 | €9,737 | ▲ 129% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €26,176 | €63,403 | €97,774 | €50,310 | €50,079 | ▼ 0.5% |
| Formation expenses20 | €729 | €525 | €322 | €119 | - | - |
| Fixed assets21/28 | €8,866 | €8,755 | €5,948 | €4,464 | €1,597 | ▼ 64.2% |
| Tangible fixed assets22/27 | €8,866 | €8,755 | €5,948 | €4,464 | €1,597 | ▼ 64.2% |
| Plant, machinery and equipment23 | - | - | - | €2,129 | €1,597 | ▼ 25.0% |
| Furniture and vehicles24 | €8,866 | €8,755 | €5,948 | €2,335 | - | - |
| Current assets29/58 | €16,581 | €54,122 | €91,504 | €45,728 | €48,482 | ▲ 6.0% |
| Amounts receivable within one year40/41 | €6,075 | €37,843 | €82,034 | €34,784 | €32,052 | ▼ 7.9% |
| Trade receivables40 | €3,260 | €36,923 | €75,195 | €33,976 | €31,477 | ▼ 7.4% |
| Other amounts receivable41 | €2,815 | €920 | €6,839 | €808 | €575 | ▼ 28.8% |
| Cash at bank and in hand54/58 | €10,355 | €16,279 | €9,470 | €10,733 | €16,215 | ▲ 51.1% |
| Deferred charges and accrued income490/1 | €151 | - | - | €210 | €216 | ▲ 2.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €26,176 | €63,403 | €97,774 | €50,310 | €50,079 | ▼ 0.5% |
| Equity10/15 | €11,826 | €23,924 | €47,638 | €13,659 | €13,696 | ▲ 0.3% |
| Profit (loss) carried forward14 | €11,826 | €23,924 | €47,638 | €13,659 | €13,696 | ▲ 0.3% |
| Amounts payable17/49 | €14,350 | €39,479 | €50,136 | €36,651 | €36,383 | ▼ 0.7% |
| Amounts payable within one year42/48 | €14,350 | €39,479 | €50,136 | €36,651 | €36,383 | ▼ 0.7% |
| Trade debts44 | €10,284 | €26,782 | €34,740 | €24,447 | €20,644 | ▼ 15.6% |
| Suppliers440/4 | €10,284 | €26,782 | €34,740 | €24,447 | €20,644 | ▼ 15.6% |
| Advances received on contracts in progress46 | - | - | €97 | - | - | - |
| Taxes, remuneration and social security45 | €4,067 | €10,735 | €15,300 | €11,970 | €6,348 | ▼ 47.0% |
| Taxes450/3 | €3,947 | €1,505 | €8,750 | €7,666 | €2,799 | ▼ 63.5% |
| Remuneration and social security454/9 | €120 | €9,230 | €6,550 | €4,304 | €3,549 | ▼ 17.5% |
| Other amounts payable47/48 | - | €1,961 | - | €234 | €9,391 | ▲ 3,907% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €11,826 | €12,099 | €23,714 | -€33,979 | €9,737 | ▲ 129% |
| + Depreciation and write-downs630 | €8,208 | €7,077 | €7,088 | €4,349 | €2,986 | ▼ 31.3% |
| Operating cash flow (approximation) | €20,033 | €19,176 | €30,801 | -€29,630 | €12,722 | ▲ 143% |
| Investment in fixed assets (approximation) | - | -€6,966 | -€4,281 | -€2,864 | -€119 | ▲ 95.9% |
| Change in cash | - | €5,924 | -€6,809 | €1,263 | €5,481 | ▲ 334% |
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
2026
01-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Back to profitnet €9,737
Net result €9,737 after one loss-making year.
26-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Weakest financial yearnet -€33,979
Net result drops to -€33,979, the lowest in the series; recovery starts the following year.
28-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Highest result since 2021net €23,714 ▲96%
Operating result €30,308, net result €23,714, both a record.
29-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
04-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Grimbergen · 2 establishment units since 2020
Ground area
287 m²
Building footprint
73 m²
Volume, LiDAR
543 m³
Parcel 23402D0393/00K007, Flanders · tallest building 9.2 m, ±3 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
2 establishment units
FARYA
since 20202.310.597.804
L'Art des Saveurs
since 20232.350.288.620
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23402D0393/00K007 | Flanders | 287 m² | 1 · 73 m² | 9.2 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,786 companies in sector 41001 we hold annual accounts for 16,061. 10,408 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded22-04-2020
Fiscal year end30-09
Activities, NACEBEL 2025
41001General construction of residential buildings
43910Bricklaying and masonry work
43990Other specialised construction activities
56112Limited-service restaurants, excluding mobile food services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0746462312
Also
9925:BE0746462312
Registered
27-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.