FOJO
ActiveFOJO has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7.82M and a net result of €28k. Equity remains stable across the filed fiscal years (±0.6% per year). Its solvency ranks better than 87% of 13908 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability2▼-2
Solvency100=
Growth52=
Stability94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €550k at 30 days acceptable
Liquidity ample (current ratio 57.94 against 35.81 in 2024), and 17.3% of the assets are financed with debt.
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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
82.7%
Return on assets
0.3%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 3 filingsDeviation from the deadline
2025
28 d late
2024
30 d late
2023
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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€7.82M▲ 0.4%
2024 · €7.80M
2023: €7.73M
2024: €7.80M
2023 → 2025
Total assets
€9.46M▼ 14.4%
2024 · €11.06M
2023: €11.11M
2024: €11.06M
2023 → 2025
Net result
€28k▼ 59.0%
2024 · €68k
2023: €125k
2024: €68k
2023 → 2025
Working capital
€6.94M▼ 1.6%
2024 · €7.06M
2023: €7.26M
2024: €7.06M
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€7.73M-€7.80M▲ 0.9%€7.82M▲ 0.4%
Operating result€62k-€-11k€-17k▼ 64.3%
Net result€125k-€68k▼ 45.6%€28k▼ 59.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €17k in 2025 against €11k in 2024; the loss grows and 2025 is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €9.46M
Fixed assets
€2.40M▼ 36.9%
Current assets
€7.07M▼ 2.7%
Equity and liabilities €9.46M
Equity
€7.82M▲ 0.4%
Debt
€1.64M▼ 49.7%
The debt ratio falls from 29.5% to 17.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€44k▼
2024 · €77k
Cash flow
€89k▼
2024 · €156k
Solvency
82.7%▲
2024 · 70.5%
Current ratio
57.94▲
2024 · 35.81
Quick ratio
57.94▲
2024 · 35.81
Debt / equity
0.21▼
2024 · 0.42
ROE
0.4%▼
2024 · 0.9%
ROA
0.3%▼
2024 · 0.6%
Interest coverage
0.62▼
2024 · 1.02
Debt
€1.64M▼
2024 · €3.26M
Debt ≤ 1 year
€122k▼
2024 · €203k
Debt > 1 year
€1.51M▼
2024 · €3.05M
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€11.06M€9.46M▼
Fixed assets21/28€3.80M€2.40M▼
Tangible fixed assets22/27€3.64M€2.14M▼
Land and buildings22€3.62M€2.12M▼
Furniture and vehicles24€17k€13k▼
Financial fixed assets28€155k€260k▲
Current assets29/58€7.26M€7.07M▼
Amounts receivable after more than one year29€5.45M€5.45M=
Trade receivables290€5.45M€5.45M=
Amounts receivable within one year40/41€344k€662k▲
Trade receivables40€179-
Other amounts receivable41€344k€662k▲
Current investments50/53€1.31M€932k▼
Cash at bank and in hand54/58€133k€26k▼
Deferred charges and accrued income490/1€29k€729▼
Equity and liabilities
Total equity and liabilities10/49€11.06M€9.46M▼
Equity10/15€7.80M€7.82M▲
Contributions10/11€932k€932k=
Reserves13€144k€144k=
Distributable reserves133€144k€144k=
Profit (loss) carried forward14€6.72M€6.75M▲
Amounts payable17/49€3.26M€1.64M▼
Amounts payable after more than one year17€3.05M€1.51M▼
Financial debts170/4€3.05M€1.51M▼
Amounts payable within one year42/48€203k€122k▼
Current portion of amounts payable after more than one year42€170k€94k▼
Trade debts44€10k€5k▼
Suppliers440/4€10k€5k▼
Taxes, remuneration and social security45€644€781▲
Taxes450/3€644€781▲
Other amounts payable47/48€22k€22k▼
Accrued charges and deferred income492/3€9k€12k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€88k€61k▼
Other operating charges640/8€5k€8k▲
Gross operating margin9900€83k€52k▼
Operating profit (loss)9901€-11k€-17k▼
Financial income75/76B€154k€117k▼
Recurring financial income75€154k€117k▼
Financial charges65/66B€76k€72k▼
Recurring financial charges65€76k€72k▼
Profit (loss) for the period before taxes9903€68k€28k▼
Profit (loss) for the period9904€68k€28k▼
Profit (loss) for the period to be appropriated9905€68k€28k▼
Appropriation of the result
Profit (loss) to be appropriated9906€6.72M€6.75M▲
Profit (loss) brought forward from the previous period14P€6.65M€6.72M▲
The notes to these accounts (10 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Weakest financial yearnet €28k ▼59%
Net result drops to €28k, the lowest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 68 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, Maarkedal · 1 establishment unit since 2023
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.
Etikhoveplein 119680 MaarkedalGround area
634 m²
Building footprint
193 m²
Volume, LiDAR
936 m³
Parcel 45011A0496/00M000, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FOJO
since 20232.348.360.991
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45011A0496/00M000 | Flanders | 634 m² | 1 · 193 m² | 8.4 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).
Similar companies · same sector, comparable size
DIONYSIUS
BE 0451.608.145
Gent · Eq €7.83M
IMMODEG
BE 0436.271.356
Gent · Eq €7.84M
TRISINVEST
BE 0442.771.742
Lummen · Eq €7.79M
VANDAMME & CIE
BE 0448.003.309
Brussel · Eq €7.87M
E.C.E.B.
BE 0450.569.057
Merchtem · Eq €7.87M
Of 11,974 companies in sector 68203 we hold annual accounts for 5,947. 2,135 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-08-2023
Fiscal year end31-12
Activities, NACEBEL
68203Renting and operating of own or leased non-residential real estate, excluding land
55204Guest rooms (bed and breakfast)
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.