FATMIR
ActiveThe computed 12-month bankruptcy probability of FATMIR is 1.6% (moderate). The 2024 annual accounts show equity of €107k and a net result of €9k. Equity is growing by ~13.7% per year across the filed fiscal years. Its solvency ranks better than 43% of 18942 sector peers (fiscal year 2024). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
54
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability61▲+18
Solvency46▲+4
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.35 against 0.4 in 2023; short-term debt: 24.6% and cash: 5.2% of total assets), and 79.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 · 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
20.6%
Return on assets
1.7%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-06-2025, 38 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
38 d early
2023
44 d early
2022
42 d early
2021
41 d early
2020
33 d early
2019
38 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€107k▲ 8.9%
2023 · €98k
2018: €38k
2019: €25k
2020: €58k
2021: €101k
2022: €119k
2023: €98k
2018 → 2024
Total assets
€518k▼ 7.8%
2023 · €562k
2018: €550k
2019: €486k
2020: €473k
2021: €451k
2022: €468k
2023: €562k
2018 → 2024
Net result
€9k
2023 · €-6k
2018: €6k
2019: €-13k
2020: €32k
2021: €43k
2022: €18k
2023: €-6k
2018 → 2024
Working capital
€-83k▼ 10.2%
2023 · €-75k
2018: €-98k
2019: €-101k
2020: €-48k
2021: €-10k
2022: €7k
2023: €-75k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€58k-€101k▲ 75.6%€119k▲ 17.9%€98k▼ 17.8%€107k▲ 8.9%
Operating result€54k-€76k▲ 40.8%€40k▼ 47.9%€11k▼ 72.9%€28k▲ 162%
Net result€32k-€43k▲ 33.9%€18k▼ 58.4%€-6k€9k
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 2024; 2024 is 162% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €518k
Fixed assets
€473k▼ 7.6%
Current assets
€45k▼ 9.2%
Equity and liabilities €518k
Equity
€107k▲ 8.9%
Debt
€411k▼ 11.3%
The debt ratio falls from 82.6% to 79.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€87k▲
2023 · €53k
Cash flow
€67k▲
2023 · €37k
Solvency
20.6%▲
2023 · 17.4%
Current ratio
0.35▼
2023 · 0.40
Quick ratio
0.32▼
2023 · 0.37
Debt / equity
3.86▼
2023 · 4.73
ROE
8.2%▲
2023 · -6.3%
ROA
1.7%▲
2023 · -1.1%
Interest coverage
4.83▲
2023 · 3.05
Debt
€411k▼
2023 · €464k
Debt ≤ 1 year
€128k▲
2023 · €124k
Debt > 1 year
€281k▼
2023 · €338k
Income taxes
€2k
Staff costs
€239k▲
2023 · €209k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€562k€518k▼
Fixed assets21/28€512k€473k▼
Tangible fixed assets22/27€512k€473k▼
Land and buildings22€309k€275k▼
Plant, machinery and equipment23€203k€198k▼
Current assets29/58€50k€45k▼
Stocks and contracts in progress3€3k€4k▲
Stocks30/36€3k€4k▲
Amounts receivable within one year40/41€15k€14k▼
Trade receivables40€6k€5k▼
Other amounts receivable41€9k€9k▲
Cash at bank and in hand54/58€29k€27k▼
Deferred charges and accrued income490/1€1k€281▼
Equity and liabilities
Total equity and liabilities10/49€562k€518k▼
Equity10/15€98k€107k▲
Contributions10/11€20k€20k=
Reserves13€78k€87k▲
Distributable reserves133€78k€87k▲
Amounts payable17/49€464k€411k▼
Amounts payable after more than one year17€338k€281k▼
Financial debts170/4€338k€281k▼
Amounts payable within one year42/48€124k€128k▲
Current portion of amounts payable after more than one year42€55k€57k▲
Trade debts44€28k€26k▼
Suppliers440/4€28k€26k▼
Taxes, remuneration and social security45€20k€25k▲
Taxes450/3-€2k
Remuneration and social security454/9€20k€24k▲
Other amounts payable47/48€21k€20k▼
Accrued charges and deferred income492/3€928€3k▲
Income statement
Code20232024
Remuneration, social security and pensions62€209k€239k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€43k€59k▲
Other operating charges640/8€4k€3k▼
Gross operating margin9900€267k€329k▲
Operating profit (loss)9901€11k€28k▲
Financial income75/76B€640€198▼
Recurring financial income75€640€198▼
Non-recurring financial income76B€640-
Financial charges65/66B€18k€18k▲
Recurring financial charges65€18k€18k▲
Profit (loss) for the period before taxes9903€-6k€10k▲
Income taxes67/77-€2k
Profit (loss) for the period9904€-6k€9k▲
Profit (loss) for the period to be appropriated9905€-6k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-6k€9k▲
Transfer from equity791/2€21k-
Transfer to equity691/2-€9k
To other reserves6921-€9k
Profit to be distributed694/7€15k-
Return on contributions (dividend)694€15k-
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
31-12
Financial
Equity above €100kEq €107k ▲8.9%
Equity rises from €98k to €107k.
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €43k ▲33.9%
Operating result €76k, net result €43k, both a record.
31-12
Financial
Equity above €100kEq €101k ▲75.6%
2 profitable years in a row build equity to €101k.
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €32k
Net result €32k after one loss-making year.
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-13k ▼318%
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
17-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
20-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
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, Oostende · 1 establishment unit 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.
Nieuwpoortsesteenweg 2128400 OostendeGround area
207 m²
Building footprint
164 m²
Volume, LiDAR
1,314 m³
Parcel 35385B0049/00X002, Flanders · tallest building 15.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Pizzeria Toscana
since 20102.183.935.303
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35385B0049/00X002 | Flanders | 206 m² | 1 · 164 m² | 14.9 m · 3 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 1,623 EUR awarded · 1,623 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,623 EUR | 1,623 EUR |
Schemes
Retroactieve investeringspremie voor eigenaars van zonnepanelen na afschaffing van terugdraaiende teller
Recognitions · licences · registrations
Food safety, FASFC
1 siteOostende2.183.935.303
Similar companies · same sector, comparable size
AU BON ACCUEIL
BE 0839.749.586
Morlanwelz · Eq €107k
ETUDE
BE 1018.095.964
Kortrijk · Eq €107k
Domino's Pizza Berchem
BE 0793.681.813
Antwerpen · Eq €107k
Ass. Carbonara
BE 0741.539.957
Brussel · Eq €107k
OZAY
BE 0685.483.558
Genk · Eq €107k
Of 21,904 companies in sector 56112 we hold annual accounts for 9,781. 7,739 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-12-2009
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
56210Event catering
56220Contract catering and other food service activities
56290Food and beverage service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.