Fitz
ActiveFitz has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €401 and a net result of €14k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 23% of 18207 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
62
/ 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
Profitability74▲+17
Solvency25▲+4
Growth58=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
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 · 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
0.1%
Return on assets
4.2%
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 23% of 18207 sector peers (2025).
NBB · sector comparisonPosition among 18207 sector peers
Solvency
better than 23%
← weakest
strongest →
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 29-07-2026, 2 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
2 d early
2024
on the day
2023
1 d early
2022
3 d early
2021
5 d early
2020
38 d early
2019
7 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€401
2024 · €-13k
2018: €13k
2019: €5k
2020: €8k
2021: €-8k
2022: €-25k
2023: €-20k
2024: €-13k
2018 → 2025
Total assets
€325k▼ 4.9%
2024 · €342k
2018: €29k
2019: €44k
2020: €322k
2021: €367k
2022: €363k
2023: €365k
2024: €342k
2018 → 2025
Net result
€14k▲ 83.8%
2024 · €7k
2018: €483
2019: €-8k
2020: €2k
2021: €-15k
2022: €-17k
2023: €4k
2024: €7k
2018 → 2025
Working capital
€-4k▲ 14.2%
2024 · €-5k
2018: €7k
2019: €-7k
2020: €3k
2021: €-159k
2022: €-61k
2023: €-31k
2024: €-5k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-8k-€-25k▼ 213%€-20k▲ 17.8%€-13k▲ 35.9%€401
Operating result€-13k-€-13k▲ 1.4%€14k€18k▲ 23.0%€24k▲ 36.4%
Net result€-15k-€-17k▼ 9.4%€4k€7k▲ 65.8%€14k▲ 83.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 36% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €325k
Fixed assets
€270k▼ 6.6%
Current assets
€55k▲ 4.2%
Equity and liabilities €325k
Equity
€401
Debt
€325k
Debt finances 99.9% of the balance-sheet total.
Key figures and ratios
EBITDA
€51k▲
2024 · €44k
Cash flow
€41k▲
2024 · €34k
Solvency
0.1%▲
2024 · -3.8%
Current ratio
0.92▲
2024 · 0.91
Quick ratio
0.52▲
2024 · 0.45
ROA
4.2%▲
2024 · 2.1%
Interest coverage
6.08▲
2024 · 4.29
Debt
€325k▼
2024 · €355k
Debt ≤ 1 year
€59k▲
2024 · €58k
Debt > 1 year
€266k▼
2024 · €297k
Income taxes
€2k▲
2024 · €170
Staff costs
€46k▲
2024 · €38k
Equity ratios withheld: equity of €401 is too small for a meaningful ratio.
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€342k€325k▼
Fixed assets21/28€289k€270k▼
Intangible fixed assets21€3k€2k▼
Tangible fixed assets22/27€286k€268k▼
Land and buildings22€265k€252k▼
Plant, machinery and equipment23€9k€8k▼
Furniture and vehicles24€12k€8k▼
Current assets29/58€53k€55k▲
Stocks and contracts in progress3€27k€24k▼
Stocks30/36€27k€24k▼
Amounts receivable within one year40/41€6k€2k▼
Trade receivables40€6k€1k▼
Other amounts receivable41€187€1k▲
Cash at bank and in hand54/58€20k€28k▲
Deferred charges and accrued income490/1-€95
Equity and liabilities
Total equity and liabilities10/49€342k€325k▼
Equity10/15€-13k€401▲
Contributions10/11€12k€12k=
Reserves13€24€24=
Distributable reserves133€24€24=
Profit (loss) carried forward14€-26k€-12k▲
Amounts payable17/49€355k€325k▼
Amounts payable after more than one year17€297k€266k▼
Financial debts170/4€297k€266k▼
Amounts payable within one year42/48€58k€59k▲
Current portion of amounts payable after more than one year42-€14k
Trade debts44€5k€6k▲
Suppliers440/4€5k€6k▲
Taxes, remuneration and social security45€9k€12k▲
Taxes450/3€6k€8k▲
Remuneration and social security454/9€2k€4k▲
Other amounts payable47/48€45k€27k▼
Income statement
Code20242025
Remuneration, social security and pensions62€38k€46k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€27k▲
Other operating charges640/8€4k€2k▼
Gross operating margin9900€86k€99k▲
Operating profit (loss)9901€18k€24k▲
Financial income75/76B€23€30▲
Recurring financial income75€23€30▲
Financial charges65/66B€10k€8k▼
Recurring financial charges65€10k€8k▼
Profit (loss) for the period before taxes9903€8k€16k▲
Income taxes67/77€170€2k▲
Profit (loss) for the period9904€7k€14k▲
Profit (loss) for the period to be appropriated9905€7k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-26k€-12k▲
Profit (loss) brought forward from the previous period14P€-33k€-26k▲
The notes to these accounts (11 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €14k ▲83.8%
Operating result €24k, net result €14k, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €4k
Net result €4k after 2 loss-making years.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-17k
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Leuven · 1 establishment unit since 2017
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.
Pakenstraat 38C3001 LeuvenGround area
534 m²
Building footprint
220 m²
Volume, LiDAR
1,433 m³
Parcel 24433E0256/00F009, Flanders · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Socarrat
since 20172.269.352.612
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24433E0256/00F009 | Flanders | 534 m² | 1 · 220 m² | 10.5 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Recognitions · licences · registrations
Food safety, FASFC
1 siteLeuven2.269.352.612
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Of 426 companies in sector 47553 we hold annual accounts for 169. 15 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-10-2017
Fiscal year end31-12
Activities, NACEBEL
47553Retail trade
47593Retail trade
56210Event catering
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.