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FIËL

Active
Private limited companyfounded 20224 yrs activeFrans Raatsstraat (Dp) 92, 2920 Kalmthout, BelgiumKBO/BCE: BE 0789.376.397
Summary

The computed 12-month bankruptcy probability of FIËL is 4.6% (elevated). The 2024 annual accounts show equity of €14,984 and a net result of €16,141. Equity is growing by ~88.5% per year across the filed fiscal years. Its solvency ranks better than 32% of 18932 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2024
Axes · tick = 2023
Profitability56▲+39
Solvency32▲+8
Growth78▲+46
Track record94
Bankruptcy probability, 12 months
4.6% Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity tight (current ratio 1.07 against 0.99 in 2023; short-term debt: 93.2% and cash: 21.5% of total assets), and 93.2% of the assets are financed with debt.
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Signals

Four 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
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← 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 date
Age against the risk zone
highest failure risk from 2 to 8 years 4 years 0 10 y
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 2024
Solvency, return and age of the figures
Solvency
6.8%
Return on assets
7.4%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-09-2025, 56 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 · 3 filings
Deviation from the deadline
2025
not confirmed
2024
56 d late
2023
34 d early
2022
67 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 30 days after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 52% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

FIËL was incorporated on 4 August 2022 as a Private limited company.1 Total assets rose from EUR 165,274 in 2022 to EUR 218,767 in 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2022 and 2024

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Financials · fiscal year 2024, micro schema

Equity
€14,984
2023 · -€1,157
Total assets
€218,767▲ 173%
2023 · €80,196
Net result
€16,141
2023 · -€6,565
Working capital
€14,984
2023 · -€1,157
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line202220232024
Operating result€1,681--€6,538€20,093
Net result€1,407--€6,565€16,141
Equity€5,407--€1,157€14,984
Total assets€165,274-€80,196▼ 51.5%€218,767▲ 173%
Debt€159,867-€81,353▼ 49.1%€203,784▲ 150%
Working capital€5,407--€1,157€14,984
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€10,000€0€10,000€20,000Operating result 2022: €1,681€1,681Net result 2022: €1,407€1,407Operating result 2023: -€6,538-€6,538Net result 2023: -€6,565-€6,565Operating result 2024: €20,093€20,093Net result 2024: €16,141€16,141202220232024-€10,000€0€10,000€20,000Operating result 2022: €1,681€1,680Net result 2022: €1,407€1,410Operating result 2023: -€6,538-€6,540Net result 2023: -€6,565-€6,560Operating result 2024: €20,093€20,100Net result 2024: €16,141€16,100202220232024
The operating result returns to profit in 2024: €20,093 after a loss of €6,538 in 2023, the highest result in the available series.
Balance-sheet composition
Equity and liabilities €218,767
Equity €14,984
Debt €203,784
Debt finances 93.2% of the balance-sheet total.
Key figures and ratios
2024 value · change against 2023
Current ratio
1.07▲
2023 · 0.99
Debt to equity
13.60▲
2023 · -70.30
ROE
107.7%
ROA
7.4%▲
2023 · -8.2%
Debt ≤ 1 year
€203,784▲
2023 · €81,353
Income taxes
€3,562
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2024 against 2023 · 37 lines
Balance sheet Code20232024
Assets
Total assets20/58€80,196€218,767▲
Current assets29/58€80,196€218,767▲
Amounts receivable within one year40/41€53,554€171,690▲
Trade receivables40€51,341€164,972▲
Other amounts receivable41€2,214€6,718▲
Cash at bank and in hand54/58€26,642€47,077▲
Equity and liabilities
Total equity and liabilities10/49€80,196€218,767▲
Equity10/15-€1,157€14,984▲
Contributions10/11€4,000€4,000=
Reserves13€1,407€10,984▲
Distributable reserves133€1,407€10,984▲
Profit (loss) carried forward14-€6,565-
Amounts payable17/49€81,353€203,784▲
Amounts payable within one year42/48€81,353€203,784▲
Financial debts43-€5
Credit institutions430/8-€5
Trade debts44€5,303€9,126▲
Suppliers440/4€5,303€9,126▲
Advances received on contracts in progress46€54,421€182,684▲
Taxes, remuneration and social security45€13,507€4,870▼
Taxes450/3€13,507€4,870▼
Other amounts payable47/48€8,123€7,099▼
Income statement Code20232024
Other operating charges640/8€50€118▲
Gross operating margin9900-€6,488€20,211▲
Operating profit (loss)9901-€6,538€20,093▲
Financial income75/76B€70€17▼
Recurring financial income75€70€17▼
Financial charges65/66B€96€407▲
Recurring financial charges65€96€407▲
Profit (loss) for the period before taxes9903-€6,565€19,703▲
Income taxes67/77-€3,562
Profit (loss) for the period9904-€6,565€16,141▲
Profit (loss) for the period to be appropriated9905-€6,565€16,141▲
Appropriation of the result
Profit (loss) to be appropriated9906-€6,565€9,576▲
Profit (loss) brought forward from the previous period14P--€6,565
Transfer to equity691/2-€9,576
To other reserves6921-€9,576

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line202220232024Change
Other operating charges640/8-€50€118▲ 136%
Gross operating margin9900€1,681-€6,488€20,211▲ 412%
Operating profit (loss)9901€1,681-€6,538€20,093▲ 407%
Financial income75/76B€106€70€17▼ 76.3%
Recurring financial income75€106€70€17▼ 76.3%
Financial charges65/66B€28€96€407▲ 324%
Recurring financial charges65€28€96€407▲ 324%
Profit (loss) for the period before taxes9903€1,759-€6,565€19,703▲ 400%
Income taxes67/77€352-€3,562-
Profit (loss) for the period9904€1,407-€6,565€16,141▲ 346%
Profit (loss) for the period to be appropriated9905€1,407-€6,565€16,141▲ 346%
Line202220232024Change
Assets
Total assets20/58€165,274€80,196€218,767▲ 173%
Current assets29/58€165,274€80,196€218,767▲ 173%
Amounts receivable within one year40/41€164,788€53,554€171,690▲ 221%
Trade receivables40€140,177€51,341€164,972▲ 221%
Other amounts receivable41€24,611€2,214€6,718▲ 203%
Cash at bank and in hand54/58€486€26,642€47,077▲ 76.7%
Equity and liabilities
Total equity and liabilities10/49€165,274€80,196€218,767▲ 173%
Equity10/15€5,407-€1,157€14,984▲ 1,395%
Contributions10/11€4,000€4,000€4,000=
Reserves13€1,407€1,407€10,984▲ 680%
Distributable reserves133€1,407€1,407€10,984▲ 680%
Profit (loss) carried forward14--€6,565--
Amounts payable17/49€159,867€81,353€203,784▲ 150%
Amounts payable within one year42/48€159,867€81,353€203,784▲ 150%
Financial debts43--€5-
Credit institutions430/8--€5-
Trade debts44€23,419€5,303€9,126▲ 72.1%
Suppliers440/4€23,419€5,303€9,126▲ 72.1%
Advances received on contracts in progress46€133,951€54,421€182,684▲ 236%
Taxes, remuneration and social security45€352€13,507€4,870▼ 63.9%
Taxes450/3€352€13,507€4,870▼ 63.9%
Other amounts payable47/48€2,146€8,123€7,099▼ 12.6%
Line202220232024Change
Profit (loss) for the period9904€1,407-€6,565€16,141▲ 346%
Operating cash flow (approximation)€1,407-€6,565€16,141▲ 346%
Change in cash-€26,155€20,436▼ 21.9%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2025
25-09
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 56 days late
2024
31-12
Financial Back to profitnet €16,141
Net result €16,141 after one loss-making year.
27-06
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial Weakest financial yearnet -€6,565
Net result drops to -€6,565, the lowest in the series; recovery starts the following year.
06-10
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 67 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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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, Kalmthout · 1 establishment unit since 2022
seat establishment The establishment unit on the map
Ground area
1,330 m²
Building footprint
107 m²
Volume, LiDAR
587 m³
Parcel 11022B0487/00W013, Flanders · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FIËL
Frans Raatsstraat (Dp) 92, 2920 KalmthoutFinancial service activities, except insurance and pension funding
since 20222.339.987.418
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11022B0487/00W013 Flanders 1,330 m² 1 · 107 m² 7.3 m · 2 fl.
Linked by address, not proof of ownership
Good to know
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 site
Kalmthout2.339.987.418
1 permission
Toelating · Traiteur · since 02-02-2023

Similar companies · same sector, comparable size

Of 7,501 companies in sector 56210 we hold annual accounts for 2,448. 1,708 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded04-08-2022
Fiscal year end31-12
Activities, NACEBEL 2025
56210Event catering
64210Activities of holding companies
70200Business and other management consultancy
82300Organisation of conventions and trade shows
82990Other business support services
93299Other amusement and recreation activities

Scores and ratios are computed by Checked and are not a credit decision.