Fien & Fons
ActiveFien & Fons has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €18k and a net result of €50k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 27% of 18173 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability95▲+1
Solvency33▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.71 against 0.79 in 2024; short-term debt: 53.7% and cash: 7.1% of total assets), and 92.4% 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 · 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 · 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
7.6%
Return on assets
21%
Age of the figures
14 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-07-2025 was due by 28-02-2026 and was filed on 26-02-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
3 d early
2023
on the day
2022
on the day
2021
15 d late
2020
3 d late
2019
32 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-07-2026 and is due by 28-02-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-07-2026 close19-09-2026 today28-02-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€18k▲ 134%
2024 · €8k
2019: €-121k
2020: €-111k
2021: €-61k
2022: €-14k
2023: €39k
2024: €8k
2019 → 2025
Total assets
€240k▼ 8.9%
2024 · €263k
2019: €363k
2020: €305k
2021: €290k
2022: €300k
2023: €329k
2024: €263k
2019 → 2025
Net result
€50k▼ 6.7%
2024 · €54k
2019: €-39k
2020: €10k
2021: €50k
2022: €46k
2023: €53k
2024: €54k
2019 → 2025
Working capital
€-37k▼ 59.1%
2024 · €-23k
2019: €-47k
2020: €-15k
2021: €-23k
2022: €-7k
2023: €26k
2024: €-23k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-61k-€-14k▲ 76.3%€39k€8k▼ 80.0%€18k▲ 134%
Operating result€64k-€61k▼ 5.3%€67k▲ 9.7%€80k▲ 19.6%€73k▼ 8.8%
Net result€50k-€46k▼ 7.4%€53k▲ 14.8%€54k▲ 1.4%€50k▼ 6.7%
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 €240k
Fixed assets
€148k▼ 14.8%
Current assets
€92k▲ 2.6%
Equity and liabilities €240k
Equity
€18k▲ 134%
Debt
€221k▼ 13.2%
The debt ratio falls from 97.1% to 92.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€110k▼
2024 · €116k
Cash flow
€87k▼
2024 · €90k
Solvency
7.6%▲
2024 · 2.9%
Current ratio
0.71▼
2024 · 0.79
Quick ratio
0.71▼
2024 · 0.79
Debt / equity
12.23▼
2024 · 32.93
ROE
278.1%▼
2024 · 696.6%
ROA
21.0%▲
2024 · 20.5%
Interest coverage
11.35▲
2024 · 10.42
Debt
€221k▼
2024 · €255k
Debt ≤ 1 year
€129k▲
2024 · €113k
Debt > 1 year
€88k▼
2024 · €140k
Income taxes
€17k▼
2024 · €20k
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€263k€240k▼
Fixed assets21/28€174k€148k▼
Tangible fixed assets22/27€174k€148k▼
Land and buildings22€173k€148k▼
Furniture and vehicles24€202-
Current assets29/58€89k€92k▲
Amounts receivable after more than one year29€35k€35k=
Other amounts receivable291€35k€35k=
Amounts receivable within one year40/41€46k€36k▼
Trade receivables40€14k€10k▼
Other amounts receivable41€31k€26k▼
Cash at bank and in hand54/58€4k€17k▲
Deferred charges and accrued income490/1€5k€3k▼
Equity and liabilities
Total equity and liabilities10/49€263k€240k▼
Equity10/15€8k€18k▲
Contributions10/11€110k€70k▼
Profit (loss) carried forward14€-102k€-52k▲
Amounts payable17/49€255k€221k▼
Amounts payable after more than one year17€140k€88k▼
Financial debts170/4€83k€31k▼
Other amounts payable178/9€57k€57k=
Amounts payable within one year42/48€113k€129k▲
Current portion of amounts payable after more than one year42€50k€52k▲
Trade debts44€18k€27k▲
Suppliers440/4€18k€27k▲
Taxes, remuneration and social security45€27k€5k▼
Taxes450/3€24k€5k▼
Remuneration and social security454/9€3k-
Other amounts payable47/48€17k€44k▲
Accrued charges and deferred income492/3€2k€4k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€37k▲
Other operating charges640/8€5k€5k▼
Gross operating margin9900€121k€115k▼
Operating profit (loss)9901€80k€73k▼
Financial income75/76B€5k€4k▼
Recurring financial income75€5k€4k▼
Financial charges65/66B€11k€10k▼
Recurring financial charges65€11k€10k▼
Profit (loss) for the period before taxes9903€74k€67k▼
Income taxes67/77€20k€17k▼
Profit (loss) for the period9904€54k€50k▼
Profit (loss) for the period to be appropriated9905€54k€50k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-102k€-52k▲
Profit (loss) brought forward from the previous period14P€-156k€-102k▲
The notes to these accounts (9 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
26-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
Financial
Highest result since 2019net €54k ▲1.4%
Operating result €80k, net result €54k, both a record.
29-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
15-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 15 days late
2021
03-03
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 3 days late
2020
31-07
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
28-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
28-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
20-02
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
4 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, Geel · 1 establishment unit since 2007
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.
Dr.-Van de Perrestraat 312440 GeelGround area
1,061 m²
Building footprint
426 m²
Volume, LiDAR
2,599 m³
Parcel 13374F0663/00C004, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Fien & Fons
since 20072.163.899.358
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13374F0663/00C004 | Flanders | 1,061 m² | 1 · 426 m² | 10.6 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.
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ISMYSTYLE
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MIXING TALES
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Of 3,236 companies in sector 47781 we hold annual accounts for 744. 362 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-07-2007
Fiscal year end31-07
Activities, NACEBEL
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
47990Retail trade
52630
46150Agents in the wholesale of furniture, household goods and hardware
51150
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
74142
74151
74872
82300Organisation of conventions and trade shows
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.