FAYANA
ActiveThe computed 12-month bankruptcy probability of FAYANA is 2.0% (moderate). The 2025 annual accounts show equity of €167k and a net result of €-50k. Equity is growing by ~15.3% per year across the filed fiscal years. Its solvency ranks better than 66% of 13270 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
46
/ 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
Profitability0▼-33
Solvency74▼-26
Growth52=
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 11.24 against 9.81 in 2024; short-term debt: 2.8% and cash: 11% of total assets), but 51.5% 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 · 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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-07-2026, 28 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
28 d early
2024
13 d early
2023
27 d early
2022
25 d early
2021
11 d early
2020
32 d early
2019
1 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€167k▼ 23.2%
2024 · €217k
2019: €91k
2020: €98k
2021: €142k
2022: €164k
2023: €206k
2024: €217k
2019 → 2025
Total assets
€343k▲ 42.0%
2024 · €242k
2019: €486k
2020: €325k
2021: €427k
2022: €397k
2023: €357k
2024: €242k
2019 → 2025
Net result
€-50k
2024 · €11k
2019: €41k
2020: €6k
2021: €44k
2022: €22k
2023: €43k
2024: €11k
2019 → 2025
Working capital
€97k▼ 54.1%
2024 · €211k
2019: €-3k
2020: €18k
2021: €81k
2022: €113k
2023: €131k
2024: €211k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€142k-€164k▲ 15.3%€206k▲ 26.0%€217k▲ 5.2%€167k▼ 23.2%
Operating result€56k-€39k▼ 30.0%€71k▲ 80.9%€7k▼ 89.7%€-46k
Net result€44k-€22k▼ 51.1%€43k▲ 96.1%€11k▼ 74.9%€-50k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €46k after €7k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €343k
Fixed assets
€237k▲ 3,150%
Current assets
€106k▼ 54.7%
Equity and liabilities €343k
Equity
€167k▼ 23.2%
Debt
€177k▲ 612%
The debt ratio rises from 10.3% to 51.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-39k▼
2024 · €10k
Cash flow
€-43k▼
2024 · €13k
Solvency
48.5%▼
2024 · 89.7%
Current ratio
11.24▲
2024 · 9.81
Quick ratio
10.98▲
2024 · 9.81
Debt / equity
1.06▲
2024 · 0.11
ROE
-30.2%▼
2024 · 4.9%
ROA
-14.7%▼
2024 · 4.4%
Interest coverage
-10.19▼
2024 · 1.08
Debt
€177k▲
2024 · €25k
Debt ≤ 1 year
€9k▼
2024 · €24k
Debt > 1 year
€165k
Income taxes
€274▲
2024 · €-3k
Staff costs
€-7k▼
2024 · €267k
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€242k€343k▲
Fixed assets21/28€7k€237k▲
Intangible fixed assets21€0€63k▲
Tangible fixed assets22/27€7k€174k▲
Land and buildings22-€17k
Plant, machinery and equipment23€0€152k▲
Furniture and vehicles24€7k€6k▼
Current assets29/58€235k€106k▼
Stocks and contracts in progress3€0€2k▲
Stocks30/36€0€2k▲
Amounts receivable within one year40/41€39k€59k▲
Other amounts receivable41€39k€59k▲
Cash at bank and in hand54/58€191k€38k▼
Deferred charges and accrued income490/1€5k€7k▲
Equity and liabilities
Total equity and liabilities10/49€242k€343k▲
Equity10/15€217k€167k▼
Contributions10/11€50k€50k=
Reserves13€162k€117k▼
Distributable reserves133€162k€117k▼
Profit (loss) carried forward14€5k€0▼
Amounts payable17/49€25k€177k▲
Amounts payable after more than one year17-€165k
Financial debts170/4-€165k
Amounts payable within one year42/48€24k€9k▼
Trade debts44€10k€8k▼
Suppliers440/4€10k€8k▼
Taxes, remuneration and social security45€14k€1k▼
Taxes450/3€1k€33▼
Remuneration and social security454/9€13k€1k▼
Accrued charges and deferred income492/3€906€2k▲
Income statement
Code20242025
Remuneration, social security and pensions62€267k€-7k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€7k▲
Other operating charges640/8€1k€1k▲
Non-recurring operating charges66A€65k€0▼
Gross operating margin9900€344k€-44k▼
Operating profit (loss)9901€7k€-46k▼
Financial income75/76B€10k€4▼
Recurring financial income75€10k€4▼
Financial charges65/66B€9k€4k▼
Recurring financial charges65€9k€4k▼
Profit (loss) for the period before taxes9903€8k€-50k▼
Income taxes67/77€-3k€274▲
Profit (loss) for the period9904€11k€-50k▼
Profit (loss) for the period to be appropriated9905€11k€-50k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€-46k▼
Profit (loss) brought forward from the previous period14P€4k€5k▲
Transfer from equity791/2-€46k
Transfer to equity691/2€10k€0▼
To other reserves6921€10k€0▼
The notes to these accounts (11 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-50k ▼571%
Net result drops to €-50k, the lowest in the series.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 5current ratio 9.81
Current ratio from 1.87 to 9.81; short-term debt falls from €150k to €24k.
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €206k ▲26%
5 profitable years in a row build equity to €206k.
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €164k ▲15.3%
4 profitable years in a row build equity to €164k.
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2019net €44k ▲621%
Net result €44k, the highest in the series.
31-12
Financial
Equity above €100kEq €142k ▲45.5%
3 profitable years in a row build equity to €142k.
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · 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, Brugge · 1 establishment unit since 2018
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.
Merelstraat 68000 BruggeGround area
340 m²
Building footprint
171 m²
Volume, LiDAR
489 m³
2 parcels, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Let's Crave
since 20182.278.446.163
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31807H0508/00K002 | Flanders | 270 m² | 1 · 102 m² | - |
| 31804D0795/00A000 | Flanders | 69 m² | 1 · 69 m² | 9.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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 siteBrugge2.278.446.163
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Of 21,896 companies in sector 56112 we hold annual accounts for 9,785. 7,068 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-08-2018
Fiscal year end31-12
Activities, NACEBEL
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.