FICHIBO
ActiveFICHIBO has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €52k and a net result of €-11k. Equity is growing by ~17.3% per year across the filed fiscal years. Its solvency ranks better than 66% of 11209 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
50
/ 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
Profitability3▲+3
Solvency87▼-13
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 2.51 against 3.74 in 2024; short-term debt: 37.9% and cash: 0% of total assets), and 37.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
62.1%
Return on assets
-12.8%
Age of the figures
9 mo
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 · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-11k
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 29-05-2026, 63 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
63 d early
2024
43 d early
2023
9 d late
2022
3 d early
2021
30 d late
2020
39 d early
2019
29 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€52k▼ 17.1%
2024 · €63k
2018: €7k
2019: €10k
2020: €18k
2021: €47k
2022: €84k
2023: €78k
2024: €63k
2018 → 2025
Total assets
€84k▲ 3.5%
2024 · €81k
2018: €115k
2019: €75k
2020: €94k
2021: €237k
2022: €265k
2023: €152k
2024: €81k
2018 → 2025
Net result
€-11k▲ 29.3%
2024 · €-15k
2018: €9k
2019: €12k
2020: €9k
2021: €29k
2022: €37k
2023: €-6k
2024: €-15k
2018 → 2025
Working capital
€48k▼ 3.7%
2024 · €50k
2018: €4k
2019: €7k
2020: €4k
2021: €175k
2022: €190k
2023: €63k
2024: €50k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€47k-€84k▲ 77.0%€78k▼ 6.8%€63k▼ 19.5%€52k▼ 17.1%
Operating result€39k-€57k▲ 44.0%€-6k€-12k▼ 99.1%€-10k▲ 15.0%
Net result€29k-€37k▲ 28.0%€-6k€-15k▼ 167%€-11k▲ 29.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €10k in 2025 against €12k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €84k
Fixed assets
€4k▼ 69.8%
Current assets
€80k▲ 17.2%
Equity and liabilities €84k
Equity
€52k▼ 17.1%
Debt
€32k▲ 74.5%
The debt ratio rises from 22.5% to 37.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-898▼
2024 · €185
Cash flow
€-2k▲
2024 · €-3k
Solvency
62.1%▼
2024 · 77.5%
Current ratio
2.51▼
2024 · 3.74
Quick ratio
1.21▲
2024 · 1.08
Debt / equity
0.61▲
2024 · 0.29
ROE
-20.6%▲
2024 · -24.2%
ROA
-12.8%▲
2024 · -18.8%
Interest coverage
-0.48▼
2024 · 0.04
Debt
€32k▲
2024 · €18k
Debt ≤ 1 year
€32k▲
2024 · €18k
Income taxes
€176▲
2024 · €174
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€81k€84k▲
Fixed assets21/28€13k€4k▼
Tangible fixed assets22/27€12k€3k▼
Land and buildings22€2k€2k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€8k€0▼
Financial fixed assets28€1k€1k=
Current assets29/58€68k€80k▲
Amounts receivable after more than one year29€933€933=
Trade receivables290€933€933=
Stocks and contracts in progress3€48k€41k▼
Stocks30/36€48k€41k▼
Amounts receivable within one year40/41€425€26k▲
Trade receivables40€281€7k▲
Other amounts receivable41€144€19k▲
Current investments50/53€10k€10k=
Cash at bank and in hand54/58€6k€0▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€81k€84k▲
Equity10/15€63k€52k▼
Reserves13€84k€84k=
Distributable reserves133€84k€84k=
Profit (loss) carried forward14€-21k€-32k▼
Amounts payable17/49€18k€32k▲
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€18k€32k▲
Current portion of amounts payable after more than one year42€7k€0▼
Financial debts43-€15k
Credit institutions430/8-€15k
Trade debts44€728€6k▲
Suppliers440/4€728€6k▲
Taxes, remuneration and social security45€2k€351▼
Taxes450/3€2k€351▼
Other amounts payable47/48€9k€11k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€9k▼
Other operating charges640/8€505€520▲
Gross operating margin9900€691€-378▼
Operating profit (loss)9901€-12k€-10k▲
Financial income75/76B€655€1k▲
Recurring financial income75€655€1k▲
Financial charges65/66B€4k€2k▼
Recurring financial charges65€4k€2k▼
Profit (loss) for the period before taxes9903€-15k€-11k▲
Income taxes67/77€174€176▲
Profit (loss) for the period9904€-15k€-11k▲
Profit (loss) for the period to be appropriated9905€-15k€-11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-21k€-32k▼
Profit (loss) brought forward from the previous period14P€-6k€-21k▼
The notes to these accounts (12 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
29-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-15k
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
09-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 9 days late
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €37k ▲28%
Operating result €57k, net result €37k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Liquidity times 8current ratio 8.35
Current ratio from 1.09 to 8.35; short-term debt falls from €41k to €24k.
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
14-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Nijlen · 1 establishment unit since 2014
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.
Landstraat(Kessel) 322560 NijlenGround area
623 m²
Building footprint
167 m²
Parcel 12018A0222/00L002, Flanders. Linked by address, not a title deed.
1 establishment unit
FICHIBO
since 20142.230.421.067
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12018A0222/00L002 | Flanders | 623 m² | 1 · 167 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.
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Of 1,582 companies in sector 46349 we hold annual accounts for 987. 613 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-04-2014
Fiscal year end31-12
Activities, NACEBEL
46349Wholesale of beverages, general range
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.