FOJO
ActiveSummary
FOJO has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7.8m and a net result of €27,824. Equity remains stable across the filed financial years (±0.6% per year). Its solvency ranks better than 87% of 17,080 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Overview
- Equity
- €7.8m
- Profit
- €27,824
- CREAPLATEDirector · permanent representative TOOTEN Fons Ilse Philip Jozef
Why 84raises riskLiquidity: current ratio 57.94, cash €25,633, halvedLast filed accounts filed 28 days late; 1 of the last 3 latelowers riskSector: Real estate activities (NACE 68)Size: total assets €9.5mShow the evidence
Checked score
About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, small): better than 92% on solvency, 59% on liquidity, 17% on profitability and 45% on growth.
The bankruptcy probability was computed on 28-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
This company filed its last 3 accounts on average 42 days after the deadline; the sector median (NACE 68) for financial year 2024 is 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · micro…
- Weakest financial yearnet €27,824 ▼59%
- Annual accounts filedfinancial year 2024 · micro…
Financials · financial year 2025, micro format
2025 annual accounts filed late (28 days) Filed on 28 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00446409.
2023 to 2025, 3 financial years
The operating result stays negative: a loss of €17,493 in 2025 against €10,649 in 2024; the loss grows and 2025 has the lowest result in the available series.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 68, Real estate activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Peer companies
Historical observationOf the 2,686 companies that looked in July 2024 the way this one looks now, 0.1% went bankrupt within 24 months and 96.9% are still going.
- Medium-sized
- solvency 30% or more
- a profit under 5% of the balance sheet
- without age
For this company itself Checked computes a bankruptcy probability of 0.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,686 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €78,886 | €88,122 | €61,493 | ▼ 30.2% |
| Other operating charges640/8 | €49,726 | €5,261 | €8,347 | ▲ 58.7% |
| Non-recurring operating charges66A | €53,863 | - | - | - |
| Gross operating margin9900 | €244,334 | €82,734 | €52,348 | ▼ 36.7% |
| Operating profit (loss)9901 | €61,860 | -€10,649 | -€17,493 | ▼ 64.3% |
| Financial income75/76B | €194,047 | €154,283 | €116,825 | ▼ 24.3% |
| Recurring financial income75 | €194,047 | €154,283 | €116,825 | ▼ 24.3% |
| Financial charges65/66B | €127,053 | €75,713 | €71,508 | ▼ 5.6% |
| Recurring financial charges65 | €127,053 | €75,713 | €71,508 | ▼ 5.6% |
| Profit (loss) for the period before taxes9903 | €128,854 | €67,921 | €27,824 | ▼ 59.0% |
| Income taxes67/77 | €4,026 | - | - | - |
| Profit (loss) for the period9904 | €124,828 | €67,921 | €27,824 | ▼ 59.0% |
| Profit (loss) for the period to be appropriated9905 | €124,828 | €67,921 | €27,824 | ▼ 59.0% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €11.1m | €11.1m | €9.5m | ▼ 14.4% |
| Fixed assets21/28 | €3.7m | €3.8m | €2.4m | ▼ 36.9% |
| Tangible fixed assets22/27 | €3.5m | €3.6m | €2.1m | ▼ 41.3% |
| Land and buildings22 | €3.5m | €3.6m | €2.1m | ▼ 41.4% |
| Furniture and vehicles24 | €0.02m | €0.02m | €0.01m | ▼ 24.8% |
| Financial fixed assets28 | €0.2m | €0.2m | €0.3m | ▲ 67.7% |
| Current assets29/58 | €7.4m | €7.3m | €7.1m | ▼ 2.7% |
| Amounts receivable after more than one year29 | €5.6m | €5.4m | €5.4m | = |
| Trade receivables290 | €5.6m | €5.4m | €5.4m | = |
| Amounts receivable within one year40/41 | €0.04m | €0.3m | €0.7m | ▲ 92.1% |
| Trade receivables40 | - | €179 | - | - |
| Other amounts receivable41 | €0.04m | €0.3m | €0.7m | ▲ 92.2% |
| Current investments50/53 | €1.6m | €1.3m | €0.9m | ▼ 28.7% |
| Cash at bank and in hand54/58 | €0.2m | €0.1m | €0.03m | ▼ 80.7% |
| Deferred charges and accrued income490/1 | €0.001m | €0.03m | €0.001m | ▼ 97.5% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €11.1m | €11.1m | €9.5m | ▼ 14.4% |
| Equity10/15 | €7.7m | €7.8m | €7.8m | ▲ 0.4% |
| Contributions10/11 | €0.9m | €0.9m | €0.9m | = |
| Reserves13 | €0.1m | €0.1m | €0.1m | = |
| Distributable reserves133 | €0.1m | €0.1m | €0.1m | = |
| Profit (loss) carried forward14 | €6.7m | €6.7m | €6.7m | ▲ 0.4% |
| Amounts payable17/49 | €3.4m | €3.3m | €1.6m | ▼ 49.7% |
| Amounts payable after more than one year17 | €3.2m | €3.0m | €1.5m | ▼ 50.6% |
| Financial debts170/4 | €3.2m | €3.0m | €1.5m | ▼ 50.6% |
| Amounts payable within one year42/48 | €0.2m | €0.2m | €0.1m | ▼ 39.9% |
| Current portion of amounts payable after more than one year42 | €0.1m | €0.2m | €0.09m | ▼ 44.8% |
| Trade debts44 | €0.001m | €0.01m | €0.005m | ▼ 44.2% |
| Suppliers440/4 | €0.001m | €0.01m | €0.005m | ▼ 44.2% |
| Taxes, remuneration and social security45 | €0.001m | €0.001m | €0.001m | ▲ 21.3% |
| Taxes450/3 | €0.001m | €0.001m | €0.001m | ▲ 21.3% |
| Other amounts payable47/48 | €0.05m | €0.02m | €0.02m | ▼ 0.9% |
| Accrued charges and deferred income492/3 | €0.001m | €0.009m | €0.01m | ▲ 22.3% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €0.1m | €0.07m | €0.03m | ▼ 59.0% |
| + Depreciation and write-downs630 | €0.08m | €0.09m | €0.06m | ▼ 30.2% |
| Operating cash flow (approximation) | €0.2m | €0.2m | €0.09m | ▼ 42.8% |
| Investment in fixed assets (approximation) | - | -€0.2m | €1.3m | - |
| Change in cash | - | -€0.07m | -€0.1m | ▼ 60.6% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (3)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 28-08-2026 | 2026-00446409 |
| 31-12-2024 | micro format | 30-08-2025 | 2025-00472564 |
| 31-12-2023 | micro format | 07-10-2024 | 2024-00504011 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Board 1
Permanent representatives 1
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| CREAPLATE |
|
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
Group and network
Connections & network
2 connected companiesAcquisitions and mergers
1 transactionHistory
Acts, filings and financial milestones
27-11
Gazette deed
Purpose · Amendment of the articlesPurpose change2 facts ▸
- General meeting, “verslag van het bestuursorgaan met betrekking tot de voorgestelde wijziging het voorwerp van de vennootschap, artikel 5:101 van het Wetboek van vennootschappen…” (deed in Dutch)
- Purpose change
16-08
Gazette deed
IncorporationAppointment: CREAPLATE (director) · Permanent representative: TOOTEN Fons Ilse Philip Jozef · Demerger11 facts ▸
- Demerger, “ontbinding zonder vereffening door splitsing door oprichting, geheel vermogen,activa en passiva,niets uitgezonderd” (deed in Dutch) (4 times)
- Incorporation, 31-07-2023
- Share issue, “inbrengen”, 1000 (deed in Dutch)
- Other provision, “statutair onbeschikbaar eigen vermogen” (deed in Dutch)
- Registered office clause, “9680 Maarkedal,Etikhoveplein 11” (deed in Dutch)
- Director appointment, CREAPLATE (director)
- Permanent representative, TOOTEN Fons Ilse Philip Jozef
- Accounting effect, 01-01-2023
- Share issue, 1000, “zonder vermelding van waarde” (deed in Dutch)
- Auditor report, EUR, “beschrijving;waardering;methodes;geen bevindingen van materieel belang behoudens voorbehouden” (deed in Dutch)
- Other provision, “bijzonder verslag van de oprichters, niet afgeweken van conclusies verslag bedrijfsrevisor” (deed in Dutch)
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 45011A0496/00M000 | Flanders | 634 m² | 1 · 193 m² | 8.4 m · 2 |
How the parcels are linked
Articles of association
What the company does
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- FOJO
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Vlaams Gewest” (deed in Dutch)
Who represents it, and how
- Board ruleHow the board is made up, meets and takes decisions.
- “1, natuurlijke personen of rechtspersonen, al dan niet aandeelhouder” (deed in Dutch)
Capital, shares and profit
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- “In de statuten opgelegde regelingen gelden” (deed in Dutch)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Last Friday of June at 17:00
Oversight and winding up
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- One provision in the deed