FAYA
ActiveThe computed 12-month bankruptcy probability of FAYA is 2.0% (moderate). The 2025 annual accounts show equity of €83k and a net result of €10k. Its solvency ranks better than 41% of 18207 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
46
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability45▼-55
Solvency49▼-25
Growth52
Track record94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity tight (current ratio 1.04 against 1.55 in 2024; short-term debt: 44.2% and cash: 0.3% of total assets), and 76.4% 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 · 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 47
Relative position
BE, all sectors
reference
Sector 47
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
23.6%
Return on assets
2.8%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 07-12-2025, 55 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
55 d early
2024
32 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€83k▲ 13.5%
2024 · €73k
2024: €73k
2024 → 2025
Total assets
€352k▲ 137%
2024 · €149k
2024: €149k
2024 → 2025
Net result
€10k▼ 84.4%
2024 · €63k
2024: €63k
2024 → 2025
Working capital
€6k▼ 85.5%
2024 · €41k
2024: €41k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€73k-€83k▲ 13.5%
Operating result€85k-€25k▼ 70.8%
Net result€63k-€10k▼ 84.4%
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 71% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €352k
Fixed assets
€191k▲ 497%
Current assets
€162k▲ 38.2%
Equity and liabilities €352k
Equity
€83k▲ 13.5%
Debt
€269k▲ 256%
The debt ratio rises from 50.8% to 76.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€33k▼
2024 · €86k
Cash flow
€18k▼
2024 · €64k
Solvency
23.6%▼
2024 · 49.2%
Current ratio
1.04▼
2024 · 1.55
Quick ratio
0.48▼
2024 · 0.82
Debt / equity
3.24▲
2024 · 1.03
ROE
11.9%▼
2024 · 86.4%
ROA
2.8%▼
2024 · 42.5%
Interest coverage
2.75▼
2024 · 1126.03
Debt
€269k▲
2024 · €76k
Debt ≤ 1 year
€156k▲
2024 · €76k
Debt > 1 year
€113k
Income taxes
€4k▼
2024 · €21k
Staff costs
€5k
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€149k€352k▲
Fixed assets21/28€32k€191k▲
Tangible fixed assets22/27€32k€41k▲
Plant, machinery and equipment23€2k€14k▲
Furniture and vehicles24€30k€27k▼
Financial fixed assets28-€150k
Current assets29/58€117k€162k▲
Stocks and contracts in progress3€55k€87k▲
Stocks30/36€55k€87k▲
Amounts receivable within one year40/41€9k€73k▲
Trade receivables40€2k€43k▲
Other amounts receivable41€7k€30k▲
Cash at bank and in hand54/58€53k€1k▼
Equity and liabilities
Total equity and liabilities10/49€149k€352k▲
Equity10/15€73k€83k▲
Contributions10/11€10k€10k=
Capital10€10k€10k=
Issued capital100€10k€10k=
Profit (loss) carried forward14€63k€73k▲
Amounts payable17/49€76k€269k▲
Amounts payable after more than one year17-€113k
Financial debts170/4-€113k
Amounts payable within one year42/48€76k€156k▲
Financial debts43-€144k
Credit institutions430/8-€144k
Trade debts44-€642
Suppliers440/4-€642
Taxes, remuneration and social security45€21k€11k▼
Taxes450/3€21k€11k▼
Other amounts payable47/48€55k-
Income statement
Code20242025
Remuneration, social security and pensions62-€5k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€8k▲
Other operating charges640/8-€8k
Gross operating margin9900€86k€46k▼
Operating profit (loss)9901€85k€25k▼
Financial income75/76B-€915
Recurring financial income75-€915
Financial charges65/66B€76€12k▲
Recurring financial charges65€76€12k▲
Profit (loss) for the period before taxes9903€84k€14k▼
Income taxes67/77€21k€4k▼
Profit (loss) for the period9904€63k€10k▼
Profit (loss) for the period to be appropriated9905€63k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€63k€73k▲
Profit (loss) brought forward from the previous period14P-€63k
The notes to these accounts (7 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
2025
07-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
30-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
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, Lommel · 1 establishment unit since 2023
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.
Buitensingel 83920 LommelGround area
1,268 m²
Building footprint
369 m²
Volume, LiDAR
1,829 m³
Parcel 72020C1035/00V000, Flanders · tallest building 6.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
AutoGallery 91
since 20232.341.048.280
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72020C1035/00V000 | Flanders | 1,268 m² | 1 · 369 m² | 6.5 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.
Similar companies · same sector, comparable size
PRESTICAR
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Mister Willy
BE 0478.784.575
Antwerpen · Eq €83k
ALTA ESTATES
BE 0830.951.587
Buggenhout · Eq €83k
COMPETITION MOTORS
BE 1001.676.339
Herent · Eq €84k
Of 10,672 companies in sector 47811 we hold annual accounts for 5,222. 3,562 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-01-2023
Fiscal year end30-06
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
47812Retail trade
45402
47830Retail sale of motorcycles and motorcycle parts and accessories
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.