FATO PIZZA
ActiveSummary
The computed 12-month bankruptcy probability of FATO PIZZA is 5.5% (elevated). The 2025 annual accounts show equity of €8k and a net result of €-305. Its solvency ranks better than 47% of 13305 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
44
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability55▼-12
Solvency52▲+1
Growth55
Track record82
Bankruptcy probability, 12 months
5.5%
Elevated
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity short (current ratio 0.52 against 0.37 in 2024; short-term debt: 72.9% and cash: 24.3% of total assets), and 72.9% 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.
+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 · Young company
A young company has little track record yet and statistically fails more often than an established 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 2025Solvency, return and age of the figures
Solvency
27.1%
Return on assets
-1%
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 30-08-2026, 30 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 · 2 filingsDeviation from the deadline
2025
30 d late
2024
61 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€197k▲ 127%
2024 · €87k
2024: €87k
2024 → 2025
EBIT margin
0.3%▼ 2.9pp
2024 · 3.2%
2024: 3.2%
2024 → 2025
Net result
€-305
2024 · €2k
2024: €2k
2024 → 2025
Working capital
€-10k▲ 29.0%
2024 · €-15k
2024: €-15k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Turnover€87k-€197k▲ 127%
Equity€8k-€8k▼ 3.6%
Operating result€3k-€512▼ 81.3%
Net result€2k-€-305
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 81% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €30k
Fixed assets
€19k ▼ 19.8%
Current assets
€11k ▲ 30.9%
Equity and liabilities €30k
Equity
€8k ▼ 3.6%
Debt
€22k ▼ 6.7%
Debt's share of the balance-sheet total falls from 73.6% to 72.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€5k▼
2024 · €5k
Cash flow
€4k▼
2024 · €5k
Current ratio
0.52▲
2024 · 0.37
Quick ratio
0.39▲
2024 · 0.27
Debt to equity
2.70▼
2024 · 2.79
ROE
-3.8%▼
2024 · 28.6%
ROA
-1.0%▼
2024 · 7.5%
Interest coverage
6.22▼
2024 · 15.65
Debt ≤ 1 year
€22k▼
2024 · €23k
Staff costs
€26k▲
2024 · €5k
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 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€32k€30k▼
Fixed assets21/28€23k€19k▼
Tangible fixed assets22/27€20k€16k▼
Plant, machinery and equipment23€19k€15k▼
Furniture and vehicles24€666€471▼
Financial fixed assets28€3k€3k=
Current assets29/58€9k€11k▲
Stocks and contracts in progress3€2k€3k▲
Stocks30/36€2k€3k▲
Amounts receivable within one year40/41€513€822▲
Trade receivables40€372€650▲
Other amounts receivable41€141€172▲
Cash at bank and in hand54/58€6k€7k▲
Deferred charges and accrued income490/1-€394
Equity and liabilities
Total equity and liabilities10/49€32k€30k▼
Equity10/15€8k€8k▼
Contributions10/11€6k€6k=
Profit (loss) carried forward14€2k€2k▼
Amounts payable17/49€23k€22k▼
Amounts payable within one year42/48€23k€22k▼
Trade debts44€2k€527▼
Suppliers440/4€2k€527▼
Taxes, remuneration and social security45€3k€3k▲
Taxes450/3€872€2k▲
Remuneration and social security454/9€2k€1k▼
Other amounts payable47/48€18k€18k▼
Income statement
Code20242025
Turnover70€87k€197k▲
Goods, raw materials, services and sundry goods60/61€77k€170k▲
Remuneration, social security and pensions62€5k€26k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€5k▲
Other operating charges640/8-€1k
Gross operating margin9900€10k€32k▲
Operating profit (loss)9901€3k€512▼
Financial charges65/66B€340€817▲
Recurring financial charges65€340€817▲
Profit (loss) for the period before taxes9903€2k€-305▼
Profit (loss) for the period9904€2k€-305▼
Profit (loss) for the period to be appropriated9905€2k€-305▼
Appropriation of the result
Profit (loss) to be appropriated9906€2k€2k▼
Profit (loss) brought forward from the previous period14P-€2k
The notes to these accounts (5 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Sambreville · 1 establishment unit since 2024
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.
Rue de Baulet(KEU) 195060 SambrevilleGround area
540 m²
Building footprint
205 m²
Parcel 92129F0057/00P000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Sole d’Italia
since 20242.360.990.886
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92129F0057/00P000 | Wallonia | 540 m² | 1 · 205 m² | - |
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 siteSambreville2.360.990.886
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SABDUK
BE 0694.761.213
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Houffalize · Eq €8,082
Aakriti
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Gent · Eq €8,110
Of 20,493 companies in sector 56111 we hold annual accounts for 11,461. 6,423 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-04-2024
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.