FIFI
ActiveThe computed 12-month bankruptcy probability of FIFI is 2.1% (moderate). The 2025 annual accounts show equity of €14k and a net result of €20k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 18% of 7757 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency42▲+27
Growth78▲+46
Track record94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.03 against 0.61 in 2024; short-term debt: 66.7% and cash: 0.5% of total assets), and 82.5% 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 · 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
17.5%
Return on assets
25.5%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 7757 sector peers (2025).
NBB · sector comparisonPosition among 7757 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-08-2026, 23 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 4 filingsDeviation from the deadline
2025
23 d late
2024
33 d early
2023
29 d early
2022
8 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, abbreviated schema
Equity
€14k
2024 · €-6k
2022: €11k
2023: €24k
2024: €-6k
2022 → 2025
Total assets
€77k▲ 24.7%
2024 · €62k
2022: €63k
2023: €43k
2024: €62k
2022 → 2025
Net result
€20k
2024 · €-30k
2022: €10k
2023: €13k
2024: €-30k
2022 → 2025
Working capital
€2k
2024 · €-18k
2022: €907
2023: €9k
2024: €-18k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€11k-€24k▲ 118%€-6k€14k
Operating result€12k-€17k▲ 39.1%€-29k€68k
Net result€10k-€13k▲ 36.2%€-30k€20k
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 returns to profit in 2025: €68k after a loss of €29k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €77k
Fixed assets
€24k▼ 29.3%
Current assets
€53k▲ 90.5%
Equity and liabilities €77k
Equity
€14k
Debt
€64k
Debt finances 82.5% of the balance-sheet total.
Key figures and ratios
EBITDA
€78k▲
2024 · €-19k
Cash flow
€30k▲
2024 · €-20k
Solvency
17.5%▲
2024 · -10.0%
Current ratio
1.03▲
2024 · 0.61
Quick ratio
1.03▲
2024 · 0.61
Debt / equity
4.72▲
2024 · -11.00
ROE
145.8%
ROA
25.5%▲
2024 · -48.7%
Interest coverage
27.97▲
2024 · -13.19
Debt
€64k▼
2024 · €68k
Debt ≤ 1 year
€51k▲
2024 · €46k
Debt > 1 year
€12k▼
2024 · €22k
Income taxes
€45k
Staff costs
€8k▼
2024 · €37k
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€62k€77k▲
Fixed assets21/28€34k€24k▼
Tangible fixed assets22/27€34k€24k▼
Plant, machinery and equipment23€8k€5k▼
Furniture and vehicles24€26k€19k▼
Current assets29/58€28k€53k▲
Amounts receivable within one year40/41€27k€50k▲
Trade receivables40€27k€46k▲
Other amounts receivable41-€4k
Cash at bank and in hand54/58€1k€416▼
Deferred charges and accrued income490/1-€3k
Equity and liabilities
Total equity and liabilities10/49€62k€77k▲
Equity10/15€-6k€14k▲
Contributions10/11€2k€2k=
Capital10€2k€2k=
Issued capital100€2k€2k=
Reserves13€150€150=
Non-distributable reserves130/1€150€150=
Legal reserve130€150€150=
Profit (loss) carried forward14€-8k€12k▲
Amounts payable17/49€68k€64k▼
Amounts payable after more than one year17€22k€12k▼
Financial debts170/4€22k€12k▼
Amounts payable within one year42/48€46k€51k▲
Financial debts43€10k€10k▲
Credit institutions430/8€10k€10k▲
Trade debts44€908€838▼
Suppliers440/4€908€838▼
Taxes, remuneration and social security45€16k€16k▲
Taxes450/3€16k€16k▲
Other amounts payable47/48€19k€24k▲
Income statement
Code20242025
Remuneration, social security and pensions62€37k€8k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k▼
Other operating charges640/8€180€782▲
Gross operating margin9900€18k€87k▲
Operating profit (loss)9901€-29k€68k▲
Financial charges65/66B€1k€3k▲
Recurring financial charges65€1k€3k▲
Profit (loss) for the period before taxes9903€-30k€65k▲
Income taxes67/77-€45k
Profit (loss) for the period9904€-30k€20k▲
Profit (loss) for the period to be appropriated9905€-30k€20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-8k€12k▲
Profit (loss) brought forward from the previous period14P€22k€-8k▼
The notes to these accounts (4 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
23-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 23 days late
2025
31-12
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
28-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-30k ▼333%
Net result drops to €-30k, the lowest in the series; recovery starts the following year.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Tongeren-Borgloon · 1 establishment unit since 2021
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.
Bilzersteenweg 1003700 Tongeren-BorgloonGround area
632 m²
Building footprint
223 m²
Volume, LiDAR
1,004 m³
Parcel 73347A0429/00A004, Flanders · tallest building 6.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FIFI
since 20212.312.812.669
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73347A0429/00A004 | Flanders | 632 m² | 1 · 223 m² | 6.2 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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CRYS CONSTRUCT
BE 0537.612.008
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BE 0794.389.517
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MIKHAEL RENOVATOR
BE 1002.570.917
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Of 8,563 companies in sector 43410 we hold annual accounts for 4,355. 2,622 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-02-2021
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.