FICHRISTI
ActiveFICHRISTI has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €175k and a net result of €40k. Equity is growing by ~43.9% per year across the filed fiscal years. Its solvency ranks better than 57% of 3619 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-1
Solvency61▲+10
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity short (current ratio 0.5 against 0.48 in 2024; short-term debt: 45.2% and cash: 8.5% of total assets), and 63.6% 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 · 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
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
36.4%
Return on assets
8.3%
Age of the figures
9 mo
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 28-05-2026, 64 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
64 d early
2024
23 d early
2023
50 d early
2022
56 d early
2021
41 d early
2020
60 d early
2019
72 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€878k
EBIT margin
3.7%
Net result
€40k▼ 14.6%
2024 · €47k
2018: €8k
2019: €6k
2020: €-47k
2021: €94k
2022: €22k
2023: €18k
2024: €47k
2018 → 2025
Working capital
€-109k▲ 21.2%
2024 · €-139k
2018: €-397k
2019: €-342k
2020: €-354k
2021: €-259k
2022: €-215k
2023: €-182k
2024: €-139k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€878k
Equity€49k-€70k▲ 44.1%€88k▲ 25.6%€135k▲ 52.9%€175k▲ 29.6%
Operating result€114k-€32k▼ 71.6%€39k▲ 20.2%€79k▲ 103%€72k▼ 9.2%
Net result€94k-€22k▼ 77.1%€18k▼ 16.4%€47k▲ 160%€40k▼ 14.6%
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 falls in 2025; 2025 is 9% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €481k
Fixed assets
€373k▼ 6.9%
Current assets
€108k▼ 16.0%
Equity and liabilities €481k
Equity
€175k▲ 29.6%
Debt
€306k▼ 22.3%
The debt ratio falls from 74.5% to 63.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€119k▼
2024 · €126k
Cash flow
€87k▼
2024 · €94k
Solvency
36.4%▲
2024 · 25.5%
Current ratio
0.50▲
2024 · 0.48
Quick ratio
0.39▼
2024 · 0.40
Debt / equity
1.75▼
2024 · 2.92
ROE
22.8%▼
2024 · 34.6%
ROA
8.3%▼
2024 · 8.8%
Interest coverage
10.24▼
2024 · 16.07
Debt
€306k▼
2024 · €394k
Debt ≤ 1 year
€218k▼
2024 · €268k
Debt > 1 year
€59k▼
2024 · €90k
Income taxes
€20k▼
2024 · €26k
Staff costs
€341k▲
2024 · €319k
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€529k€481k▼
Fixed assets21/28€400k€373k▼
Tangible fixed assets22/27€397k€370k▼
Land and buildings22€337k€320k▼
Plant, machinery and equipment23€19k€22k▲
Furniture and vehicles24€41k€28k▼
Financial fixed assets28€3k€3k=
Current assets29/58€129k€108k▼
Stocks and contracts in progress3€20k€23k▲
Stocks30/36€20k€23k▲
Amounts receivable within one year40/41€47k€38k▼
Trade receivables40€25k€12k▼
Other amounts receivable41€22k€26k▲
Cash at bank and in hand54/58€56k€41k▼
Deferred charges and accrued income490/1€5k€6k▲
Equity and liabilities
Total equity and liabilities10/49€529k€481k▼
Equity10/15€135k€175k▲
Contributions10/11€19k€19k=
Reserves13€237k€276k▲
Distributable reserves133€237k€276k▲
Profit (loss) carried forward14€-121k€-120k▲
Amounts payable17/49€394k€306k▼
Amounts payable after more than one year17€90k€59k▼
Financial debts170/4€90k€59k▼
Amounts payable within one year42/48€268k€218k▼
Current portion of amounts payable after more than one year42€34k€36k▲
Trade debts44€37k€26k▼
Suppliers440/4€37k€26k▼
Taxes, remuneration and social security45€93k€102k▲
Taxes450/3€51k€54k▲
Remuneration and social security454/9€42k€48k▲
Other amounts payable47/48€103k€54k▼
Accrued charges and deferred income492/3€36k€29k▼
Income statement
Code20242025
Remuneration, social security and pensions62€319k€341k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€48k€48k▲
Other operating charges640/8€14k€12k▼
Gross operating margin9900€459k€472k▲
Operating profit (loss)9901€79k€72k▼
Financial income75/76B€2k€402▼
Recurring financial income75€2k€402▼
Financial charges65/66B€8k€12k▲
Recurring financial charges65€8k€12k▲
Profit (loss) for the period before taxes9903€73k€60k▼
Income taxes67/77€26k€20k▼
Profit (loss) for the period9904€47k€40k▼
Profit (loss) for the period to be appropriated9905€47k€40k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-75k€-81k▼
Profit (loss) brought forward from the previous period14P€-122k€-121k▲
Transfer to equity691/2€46k€39k▼
To other reserves6921€46k€39k▼
The notes to these accounts (15 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
28-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €150kEq €175k ▲29.6%
5 profitable years in a row build equity to €175k.
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €135k ▲52.9%
4 profitable years in a row build equity to €135k.
11-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
05-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €94k
Net result €94k after one loss-making year.
01-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €-47k ▼897%
Net result drops to €-47k, the lowest in the series; recovery starts the following year.
20-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
20-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
23-05
NBB filing
Annual accounts filed
fiscal year 2016 · 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 1995
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.
Eiermarkt 128000 BruggeGround area
132 m²
Building footprint
132 m²
Volume, LiDAR
1,158 m³
Parcel 31805E1369/00A000, Flanders · tallest building 14.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
TAVERNE PICK
since 19952.035.142.053
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31805E1369/00A000 | Flanders | 132 m² | 1 · 132 m² | 14.1 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Food safety, FASFC
1 siteBrugge2.035.142.053
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Of 14,028 companies in sector 56301 we hold annual accounts for 4,894. 3,243 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-09-1986
Fiscal year end31-12
Activities, NACEBEL
55401
56101Full-service restaurants
56111Full-service restaurants
56301Cafés and bars
47640Retail sale of games and toys
47650Retail trade
52489
Sources
Crossroads Bank for EnterprisesNational Bank · 39 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.