Age3 yrs
Real estate1 parcel · 1,219 m²
Summary
Conclusion
the dossier summarised in one paragraphFIGARO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (€-21k) and a net result of €2k. Its solvency ranks better than 5% of 1204 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 2 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneThis is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
Trust signals
3 signalsMore than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags
0 events
No administrative flags
Financials
Equity€-21k+6.9%
Net result€2k
Total assets€58k-47.1%
Solvency-36.0%-15.5pp
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 19-03-2026 with the NBB · fiscal year 2025 · micro
Sector comparison
Fiscal year 2025 · NACE 64, Financial services · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -36.0% | 47.4% | |
| Net result | €2k | €44k | |
| Equity | €-21k | €84k | |
| Gross operating margin | €14k | €70k | |
| Total assets | €58k | €211k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€2k
-
-99% vs sector
€58k
-47.1%
-99% vs sector
€-21k
+6.9%
far below sector median
€145
-73.9%
-100% vs sector
€80k
-40.3%
-95% vs sector
€61k
-41.8%
-91% vs sector
€19k
-34.8%
-98% vs sector
-36.0%
-76.0%
far below sector median
-7.4%
-
far below sector median
2.7%
-
+8% vs sector
Figures by fiscal year
| Fiscal year | 2025 |
|---|---|
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €2k |
| Cash flow | n/a |
| Staff costs | - |
| Income taxes | €145 |
| Dividends | - |
| Total assets | €58k |
| Equity | €-21k |
| Debt | €80k |
| of which ≤ 1y | €61k |
| of which > 1y | €19k |
| Working capital | n/a |
| Employees (FTE) | - |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | -36.0% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | 2.7% |
| ROE | -7.4% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €58k |
| Fixed assets | 21/28 | €45k |
| Tangible fixed assets | 22/27 | €45k |
| Current assets | 29/58 | €13k |
| Amounts receivable within one year | 40/41 | €4k |
| Cash & bank | 54/58 | €2k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €58k |
| Equity | 10/15 | €-21k |
| Contributions / capital | 10/11 | €3k |
| Accumulated profits (losses) | 14 | €-24k |
| Amounts payable | 17/49 | €80k |
| Amounts payable after one year | 17 | €19k |
| Amounts payable within one year | 42/48 | €61k |
| Trade debts payable within one year | 44 | €9k |
| Income statement | ||
| Gross operating margin | 9900 | €14k |
| Operating result | 9901 | €7k |
| Financial income | 75 | €35 |
| Financial charges | 65 | €5k |
| Result before taxes | 9903 | €2k |
| Income taxes | 67/77 | €145 |
| Net result for the period | 9904 | €2k |
| Result to be appropriated | 9905 | €2k |
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan.
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Ratios computed by Checked.
Health barometer
FY 2025 · computedModel not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.
Structure & network
Locations & real estate
Establishment units
1 locationFigaro
since 20222.334.128.618
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,219 m²
Buildings1
Building footprint241 m²
Volume (LiDAR)1,589 m³
Tallest building10.3 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71048A0048/00R002 | Flanders | 1,218 m² | 1 · 241 m² | 10.3 m · 2 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Analysis
Snowflake analysis
financial profile on 5 axes41
/ 100
Fragile profile, watch health in particular.
Health
0
Profitability
0
Solvency
33
Growth
78
Stability
94
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Credit advice
verdict per customer and amountSimilar
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Company registry (CBE)
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Primary activity highlighted.
Names & trade names
| Legal nameNL | FIGARO |
Registered office
Horionlaan 37
3800 Sint-Truiden, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.