FMO
ActiveSummary
FMO has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-4k) and a net result of €13k. Its solvency ranks better than 17% of 18400 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+34
Solvency9▲+9
Growth78
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.48 against 0.37 in 2024; short-term debt: 80.4% and cash: 23.7% of total assets), and equity is negative.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+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
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
-16.4%
Return on assets
48.3%
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 17% of 18400 sector peers (2025).
NBB · sector comparisonPosition among 18400 sector peers
Solvency
better than 17%
← 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 03-07-2026, 28 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
28 d early
2024
2 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-4k▲ 74.7%
2024 · €-17k
2024: €-17k
2025: €-4k▲ +74.7% vs 2024
2024 → 2025
Total assets
€26k▼ 11.6%
2024 · €30k
2024: €30k
2025: €26k▼ -11.6% vs 2024
2024 → 2025
Net result
€13k
2024 · €-651
2024: €-651
2025: €13k▲ +2052% vs 2024
2024 → 2025
Working capital
€-11k▲ 50.8%
2024 · €-22k
2024: €-22k
2025: €-11k▲ +50.8% vs 2024
2024 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€-17k-€-4k▲ 74.7%
2024: €-17k
2025: €-4k▲ +74.7% vs 2024
Operating result€-416-€16k
2024: €-416
2025: €16k▲ +3875% vs 2024
Net result€-651-€13k
2024: €-651
2025: €13k▲ +2052% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €16k after a loss of €416 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €26k
Fixed assets
€16k ▼ 2.9%
Current assets
€10k ▼ 22.7%
Key figures and ratios
EBITDA
€28k▲
2024 · €9k
Cash flow
€25k▲
2024 · €9k
Solvency
-16.4%▲
2024 · -57.2%
Current ratio
0.48▲
2024 · 0.37
Debt to equity
-7.09▼
2024 · -2.75
ROA
48.3%▲
2024 · -2.2%
Interest coverage
10.36▼
2024 · 101.23
Debt
€31k▼
2024 · €47k
Debt ≤ 1 year
€21k▼
2024 · €36k
Debt > 1 year
€9k▼
2024 · €11k
Income taxes
€330▲
2024 · €143
Staff costs
€20k▼
2024 · €20k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€30k€26k▼
Fixed assets21/28€17k€16k▼
Tangible fixed assets22/27€17k€16k▼
Plant, machinery and equipment23€17k€13k▼
Furniture and vehicles24-€3k
Current assets29/58€13k€10k▼
Amounts receivable within one year40/41€9k€765▼
Trade receivables40€9k€765▼
Cash at bank and in hand54/58€4k€6k▲
Deferred charges and accrued income490/1€107€3k▲
Equity and liabilities
Total equity and liabilities10/49€30k€26k▼
Equity10/15€-17k€-4k▲
Contributions10/11€4k€4k=
Outside capital11€4k-
Other1109/19€4k-
Reserves13€1k€1k=
Distributable reserves133€1k€1k=
Profit (loss) carried forward14€-22k€-9k▲
Amounts payable17/49€47k€31k▼
Amounts payable after more than one year17€11k€9k▼
Financial debts170/4€11k€9k▼
Amounts payable within one year42/48€36k€21k▼
Current portion of amounts payable after more than one year42€3k€5k▲
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Advances received on contracts in progress46€2k€2k=
Taxes, remuneration and social security45€4k€11k▲
Taxes450/3€4k€9k▲
Remuneration and social security454/9€132€2k▲
Other amounts payable47/48€23k€1k▼
Income statement
Code20242025
Remuneration, social security and pensions62€20k€20k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€12k▲
Other operating charges640/8€943€2k▲
Gross operating margin9900€30k€49k▲
Operating profit (loss)9901€-416€16k▲
Financial charges65/66B€92€3k▲
Recurring financial charges65€92€3k▲
Profit (loss) for the period before taxes9903€-508€13k▲
Income taxes67/77€143€330▲
Profit (loss) for the period9904€-651€13k▲
Profit (loss) for the period to be appropriated9905€-651€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-22k€-9k▲
Profit (loss) brought forward from the previous period14P€-21k€-22k▼
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Remuneration, social security and pensions62 | €20k | €20k | ▼ 3.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10k | €12k | ▲ 22.3% |
| Other operating charges640/8 | €943 | €2k | ▲ 91.9% |
| Gross operating margin9900 | €30k | €49k | ▲ 60.8% |
| Operating profit (loss)9901 | €-416 | €16k | ▲ 3,875% |
| Financial charges65/66B | €92 | €3k | ▲ 2,797% |
| Recurring financial charges65 | €92 | €3k | ▲ 2,797% |
| Profit (loss) for the period before taxes9903 | €-508 | €13k | ▲ 2,667% |
| Income taxes67/77 | €143 | €330 | ▲ 131% |
| Profit (loss) for the period9904 | €-651 | €13k | ▲ 2,052% |
| Profit (loss) for the period to be appropriated9905 | €-651 | €13k | ▲ 2,052% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €30k | €26k | ▼ 11.6% |
| Fixed assets21/28 | €17k | €16k | ▼ 2.9% |
| Tangible fixed assets22/27 | €17k | €16k | ▼ 2.9% |
| Plant, machinery and equipment23 | €17k | €13k | ▼ 20.3% |
| Furniture and vehicles24 | - | €3k | - |
| Current assets29/58 | €13k | €10k | ▼ 22.7% |
| Amounts receivable within one year40/41 | €9k | €765 | ▼ 91.2% |
| Trade receivables40 | €9k | €765 | ▼ 91.2% |
| Cash at bank and in hand54/58 | €4k | €6k | ▲ 43.2% |
| Deferred charges and accrued income490/1 | €107 | €3k | ▲ 2,829% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €30k | €26k | ▼ 11.6% |
| Equity10/15 | €-17k | €-4k | ▲ 74.7% |
| Contributions10/11 | €4k | €4k | = |
| Outside capital11 | €4k | - | - |
| Other1109/19 | €4k | - | - |
| Reserves13 | €1k | €1k | = |
| Distributable reserves133 | €1k | €1k | = |
| Profit (loss) carried forward14 | €-22k | €-9k | ▲ 57.7% |
| Amounts payable17/49 | €47k | €31k | ▼ 34.6% |
| Amounts payable after more than one year17 | €11k | €9k | ▼ 16.1% |
| Financial debts170/4 | €11k | €9k | ▼ 16.1% |
| Amounts payable within one year42/48 | €36k | €21k | ▼ 40.5% |
| Current portion of amounts payable after more than one year42 | €3k | €5k | ▲ 49.5% |
| Trade debts44 | €3k | €2k | ▼ 34.7% |
| Suppliers440/4 | €3k | €2k | ▼ 34.7% |
| Advances received on contracts in progress46 | €2k | €2k | = |
| Taxes, remuneration and social security45 | €4k | €11k | ▲ 178% |
| Taxes450/3 | €4k | €9k | ▲ 132% |
| Remuneration and social security454/9 | €132 | €2k | ▲ 1,507% |
| Other amounts payable47/48 | €23k | €1k | ▼ 95.1% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €-651 | €13k | ▲ 2,052% |
| + Depreciation and write-downs630 | €10k | €12k | ▲ 22.3% |
| Operating cash flow (approximation) | €9k | €25k | ▲ 171% |
| Investment in fixed assets (approximation) | - | €-11k | - |
| Change in cash | - | €2k | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 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, Beersel · 1 establishment unit since 2015
Ground area
1,012 m²
Building footprint
297 m²
Volume, LiDAR
1,489 m³
2 parcels, Flanders · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Kerkstraat 107, 1653 Beersel
since 20152.243.391.353
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23017D0264/00K000 | Flanders | 679 m² | 1 · 184 m² | 7.6 m · 1 fl. |
| 23035A0397/00W008 | Flanders | 333 m² | 1 · 113 m² | 11.2 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 2,103 companies in sector 47640 we hold annual accounts for 907. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded28-05-2015
Fiscal year end31-12
Trade name NL
Bumpfun / Tomayto Tomahto
Activities, NACEBEL 2025
47640Retail sale of games and toys
93299Other amusement and recreation activities
77210Renting and leasing of sports and recreation goods
Contact
Phone
0474579340Beersel
Scores and ratios are computed by Checked and are not a credit decision.