Fogoma is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €2.75M and a net result of €294k. Equity is growing by ~20.3% per year across the filed fiscal years. Its solvency ranks better than 43% of 5498 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model 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. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
17 d late
2024
44 d early
2023
13 d late
2022
31 d late
2021
80 d late
2020
95 d late
2019
98 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.75M▲ 12.0%
2024 · €2.45M
2018: €59k
2019: €72k
2020: €90k
2021: €1.83M
2022: €2.02M
2023: €2.40M
2024: €2.45M
2018 → 2025
Net result
€294k▲ 433%
2024 · €55k
2018: €14k
2019: €13k
2020: €19k
2021: €1.74M
2022: €184k
2023: €381k
2024: €55k
2018 → 2025
Total assets
€6.26M▲ 1.4%
2024 · €6.18M
2018: €74k
2019: €84k
2020: €6.11M
2021: €6.15M
2022: €6.24M
2023: €6.16M
2024: €6.18M
2018 → 2025
Solvency
43.8%▲ 4.1pp
2024 · 39.7%
2018: 78.8%
2019: 85.1%
2020: 1.5%
2021: 29.8%
2022: 32.3%
2023: 38.9%
2024: 39.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.83M-€2.02M▲ 10.0%€2.40M▲ 18.9%€2.45M▲ 2.3%€2.75M▲ 12.0%
Operating result€29k-€-24k€28k€51k▲ 78.4%€119k▲ 136%
Net result€1.74M-€184k▼ 89.5%€381k▲ 107%€55k▼ 85.5%€294k▲ 433%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 136% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.26M
Fixed assets
€6.09M▲ 1.3%
Current assets
€176k▲ 5.1%
Equity and liabilities €6.26M
Equity
€2.75M▲ 12.0%
Debt
€3.52M▼ 5.5%
The debt ratio falls from 60.3% to 56.2%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
43.8%▲
2024 · 39.7%
ROE
10.7%▲
2024 · 2.2%
ROA
4.7%▲
2024 · 0.9%
Debt
€3.52M▼
2024 · €3.72M
Debt ≤ 1 year
€2.85M▼
2024 · €2.91M
Debt > 1 year
€669k▼
2024 · €817k
Income taxes
€711▲
2024 · €264
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€6.18M€6.26M▲
Fixed assets21/28€6.01M€6.09M▲
Tangible fixed assets22/27€9k€89k▲
Furniture and vehicles24€9k€4k▼
Leasing and similar rights25-€85k
Financial fixed assets28€6.00M€6.00M=
Current assets29/58€167k€176k▲
Amounts receivable within one year40/41€0€83k▲
Trade receivables40€0€83k▲
Cash at bank and in hand54/58€165k€87k▼
Deferred charges and accrued income490/1€2k€5k▲
Equity and liabilities
Total equity and liabilities10/49€6.18M€6.26M▲
Equity10/15€2.45M€2.75M▲
Contributions10/11€20k€20k=
Reserves13€2.43M€2.72M▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€2.43M€2.72M▲
Profit (loss) carried forward14-€0
Amounts payable17/49€3.72M€3.52M▼
Amounts payable after more than one year17€817k€669k▼
Financial debts170/4€817k€669k▼
Amounts payable within one year42/48€2.91M€2.85M▼
Current portion of amounts payable after more than one year42€189k€213k▲
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€61k€58k▼
Taxes450/3€61k€58k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€2.66M€2.58M▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€24k▲
Other operating charges640/8€325€6k▲
Gross operating margin9900€55k€149k▲
Operating profit (loss)9901€51k€119k▲
Financial income75/76B€225k€372k▲
Recurring financial income75€225k€372k▲
Financial charges65/66B€220k€197k▼
Recurring financial charges65€220k€197k▼
Profit (loss) for the period before taxes9903€55k€294k▲
Income taxes67/77€264€711▲
Profit (loss) for the period9904€55k€294k▲
Profit (loss) for the period to be appropriated9905€55k€294k▲
Appropriation of the result
Profit (loss) to be appropriated9906€55k€294k▲
Transfer to equity691/2€55k€293k▲
To other reserves6921€55k€293k▲
Profit to be distributed694/7-€279
Return on contributions (dividend)694-€279
The notes to these accounts (17 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
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 17 days late
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
13-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 13 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
31-12
Financial
Equity above €2MEq €2.02M ▲10%
5 profitable years in a row build equity to €2.02M.
19-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 80 days late
2021
31-12
Financial
Highest result since 2018net €1.74M ▲9204%
Net result €1.74M, the highest in the series.
31-12
Financial
Equity above €1MEq €1.83M ▲1927%
4 profitable years in a row build equity to €1.83M.
03-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 95 days late
2020
06-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 98 days late
2019
31-12
Financial
Weakest financial yearnet €13k ▼8.8%
Net result drops to €13k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
01-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 1 day late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Dessel · 1 establishment unit since 2015
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.
Nieuwedijk 522480 DesselGround area
813 m²
Building footprint
143 m²
Volume, LiDAR
940 m³
Parcel 13006D0139/00T009, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Fogoma
since 20152.238.224.619
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13006D0139/00T009 | Flanders | 813 m² | 1 · 143 m² | 8.6 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.
Similar companies · same sector, comparable size
Dondersgracht
BE 0607.876.432
Gavere · Eq €2.75M
HELDER GROEP
BE 0770.492.279
Hasselt · Eq €2.74M
Tastelink Holding
BE 0477.405.591
Herzele · Eq €2.75M
EMVICO
BE 0879.410.710
Zonnebeke · Eq €2.75M
G.D.P. INVEST
BE 0453.725.517
Damme · Eq €2.75M
Of 24,726 companies in sector 64210 we hold annual accounts for 19,748. 9,948 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-01-2015
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.