FIM ADVICE
ActiveFIM ADVICE has been active since 1976 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €95k and a net result of €-15k. Equity is growing by ~17.2% per year across the filed fiscal years. Its solvency ranks better than 60% of 3674 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
61
/ 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
Profitability61▼-12
Solvency65▼-3
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.99 against 1.04 in 2024; short-term debt: 42.5% and cash: 14.4% of total assets), and 60.5% 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 · 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
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 2025Solvency, return and age of the figures
Solvency
39.5%
Return on assets
-6%
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 05-06-2026, 56 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
56 d early
2024
22 d early
2023
55 d early
2022
50 d late
2021
60 d late
2020
88 d late
2019
68 d late
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€95k▼ 13.2%
2024 · €110k
2018: €-13k
2019: €-10k
2020: €45k
2021: €120k
2022: €100k
2023: €101k
2024: €110k
2018 → 2025
Total assets
€241k▼ 6.0%
2024 · €257k
2018: €157k
2019: €164k
2020: €175k
2021: €249k
2022: €194k
2023: €203k
2024: €257k
2018 → 2025
Net result
€-15k
2024 · €9k
2018: €-10k
2019: €3k
2020: €55k
2021: €75k
2022: €-20k
2023: €292
2024: €9k
2018 → 2025
Working capital
€-1k
2024 · €4k
2018: €-63k
2019: €-60k
2020: €6k
2021: €63k
2022: €56k
2023: €47k
2024: €4k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€120k-€100k▼ 16.4%€101k▲ 0.3%€110k▲ 9.0%€95k▼ 13.2%
Operating result€69k-€-16k€5k€12k▲ 152%€-12k
Net result€75k-€-20k€292€9k▲ 2,999%€-15k
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 turns negative in 2025: a loss of €12k after €12k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €241k
Fixed assets
€140k▼ 13.8%
Current assets
€101k▲ 7.4%
Equity and liabilities €241k
Equity
€95k▼ 13.2%
Debt
€146k▼ 0.6%
The debt ratio rises from 57.2% to 60.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€34k▼
2024 · €55k
Cash flow
€31k▼
2024 · €52k
Solvency
39.5%▼
2024 · 42.8%
Current ratio
0.99▼
2024 · 1.04
Quick ratio
0.74▼
2024 · 0.78
Debt / equity
1.53▲
2024 · 1.34
ROE
-15.3%▼
2024 · 8.2%
ROA
-6.0%▼
2024 · 3.5%
Interest coverage
10.92▼
2024 · 17.05
Debt
€146k▼
2024 · €147k
Debt ≤ 1 year
€102k▲
2024 · €91k
Debt > 1 year
€43k▼
2024 · €56k
Income taxes
€211▼
2024 · €308
Staff costs
€443k▲
2024 · €409k
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€257k€241k▼
Fixed assets21/28€162k€140k▼
Intangible fixed assets21€7k-
Tangible fixed assets22/27€154k€139k▼
Plant, machinery and equipment23€48k€45k▼
Furniture and vehicles24€13k€13k▲
Leasing and similar rights25€55k€42k▼
Other tangible fixed assets26€38k€39k▲
Financial fixed assets28€1k€1k=
Current assets29/58€94k€101k▲
Stocks and contracts in progress3€23k€25k▲
Stocks30/36€23k€25k▲
Amounts receivable within one year40/41€28k€37k▲
Trade receivables40€4k€3k▼
Other amounts receivable41€24k€34k▲
Cash at bank and in hand54/58€41k€35k▼
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€257k€241k▼
Equity10/15€110k€95k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€9k€9k=
Non-distributable reserves130/1€9k€9k=
Legal reserve130€6k€6k=
Reserves not available under the articles1311€3k€3k=
Profit (loss) carried forward14€40k€25k▼
Amounts payable17/49€147k€146k▼
Amounts payable after more than one year17€56k€43k▼
Financial debts170/4€56k€43k▼
Amounts payable within one year42/48€91k€102k▲
Current portion of amounts payable after more than one year42€14k€19k▲
Trade debts44€18k€24k▲
Suppliers440/4€18k€24k▲
Taxes, remuneration and social security45€38k€40k▲
Taxes450/3€10k€14k▲
Remuneration and social security454/9€28k€26k▼
Other amounts payable47/48€21k€20k▼
Income statement
Code20242025
Remuneration, social security and pensions62€409k€443k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€43k€45k▲
Other operating charges640/8€3k€2k▼
Non-recurring operating charges66A€3k-
Gross operating margin9900€470k€478k▲
Operating profit (loss)9901€12k€-12k▼
Financial income75/76B€518€469▼
Recurring financial income75€518€469▼
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€9k€-14k▼
Income taxes67/77€308€211▼
Profit (loss) for the period9904€9k€-15k▼
Profit (loss) for the period to be appropriated9905€9k€-15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€40k€25k▼
Profit (loss) brought forward from the previous period14P€30k€40k▲
Social balance
Average headcount (FTE)90877.58.6▲
The notes to these accounts (12 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
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
06-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €292
Net result €292 after one loss-making year.
19-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 50 days late
2022
31-12
Financial
Weakest financial yearnet €-20k ▼126%
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 60 days late
2021
31-12
Financial
Highest result since 2018net €75k ▲36.6%
Operating result €69k, net result €75k, both a record.
31-12
Financial
Equity above €100kEq €120k ▲167%
3 profitable years in a row build equity to €120k.
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 88 days late
2020
31-12
Financial
Liquidity doublescurrent ratio 1.09
Current ratio from 0.47 to 1.09; short-term debt falls from €113k to €66k.
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 68 days late
2019
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 57 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
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, Ternat · 1 establishment unit since 1991
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.
Klapscheutstraat 41A1741 TernatGround area
743 m²
Building footprint
299 m²
Volume, LiDAR
1,900 m³
Parcel 23091B0651/00L000, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DE VOET VAN KEIZER KAREL
since 19912.130.725.457
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23091B0651/00L000 | Flanders | 743 m² | 1 · 299 m² | 9.9 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Food safety, FASFC
1 siteTernat2.130.725.457
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CHICKEN CONCEPT
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ANIMA ITALIANA
BE 0749.752.788
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888 CAIYI
BE 1002.808.368
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MAAKBAR
BE 0746.589.105
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SISU CRUZ
BE 1009.422.283
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Of 20,495 companies in sector 56111 we hold annual accounts for 11,462. 9,629 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded07-07-1976
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 48 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.