Folia
ActiveThe computed 12-month bankruptcy probability of Folia is 3.9% (moderate). The 2025 annual accounts show equity of €77k and a net result of €11k. Its solvency ranks better than 78% of 13204 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▲+80
Solvency88▼-1
Growth78
Track record94
Bankruptcy probability, 12 months
3.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 1.54 against 1.03 in 2024; short-term debt: 36.6% and cash: 48.6% of total assets), and 36.6% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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 · 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
63.4%
Return on assets
9.1%
Age of the figures
9 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 25-08-2026, 25 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 · 2 filingsDeviation from the deadline
2025
25 d late
2024
15 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€77k▲ 16.7%
2024 · €66k
2024: €66k
2024 → 2025
Total assets
€122k▲ 18.4%
2024 · €103k
2024: €103k
2024 → 2025
Net result
€11k
2024 · €-24k
2024: €-24k
2024 → 2025
Working capital
€24k▲ 2,365%
2024 · €983
2024: €983
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€66k-€77k▲ 16.7%
Operating result€-22k-€15k
Net result€-24k-€11k
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: €15k after a loss of €22k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €122k
Fixed assets
€53k▼ 18.6%
Current assets
€69k▲ 82.7%
Equity and liabilities €122k
Equity
€77k▲ 16.7%
Debt
€45k▲ 21.5%
The debt ratio rises from 35.6% to 36.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€27k▲
2024 · €-7k
Cash flow
€23k▲
2024 · €-9k
Solvency
63.4%▼
2024 · 64.4%
Current ratio
1.54▲
2024 · 1.03
Quick ratio
1.33▲
2024 · 0.85
Debt / equity
0.58▲
2024 · 0.55
ROE
14.3%▲
2024 · -35.6%
ROA
9.1%▲
2024 · -22.9%
Interest coverage
12.70▲
2024 · -2.91
Debt
€45k▲
2024 · €37k
Debt ≤ 1 year
€45k▲
2024 · €37k
Income taxes
€1k
Staff costs
€42k▼
2024 · €47k
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€103k€122k▲
Fixed assets21/28€65k€53k▼
Intangible fixed assets21€1k€638▼
Tangible fixed assets22/27€61k€49k▼
Plant, machinery and equipment23€59k€48k▼
Furniture and vehicles24€2k€1k▼
Financial fixed assets28€3k€3k=
Current assets29/58€38k€69k▲
Stocks and contracts in progress3€7k€9k▲
Stocks30/36€7k€9k▲
Amounts receivable within one year40/41€9k-
Trade receivables40€9k-
Cash at bank and in hand54/58€21k€59k▲
Deferred charges and accrued income490/1€1k€202▼
Equity and liabilities
Total equity and liabilities10/49€103k€122k▲
Equity10/15€66k€77k▲
Contributions10/11€90k€90k=
Profit (loss) carried forward14€-24k€-13k▲
Amounts payable17/49€37k€45k▲
Amounts payable within one year42/48€37k€45k▲
Trade debts44€14k€14k▼
Suppliers440/4€14k€14k▼
Advances received on contracts in progress46€6k€7k▲
Taxes, remuneration and social security45€12k€20k▲
Taxes450/3€9k€14k▲
Remuneration and social security454/9€4k€6k▲
Other amounts payable47/48€4k€4k▲
Income statement
Code20242025
Remuneration, social security and pensions62€47k€42k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€12k▼
Other operating charges640/8€3k€1k▼
Gross operating margin9900€43k€70k▲
Operating profit (loss)9901€-22k€15k▲
Financial income75/76B€260€19▼
Recurring financial income75€260€19▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€-24k€13k▲
Income taxes67/77-€1k
Profit (loss) for the period9904€-24k€11k▲
Profit (loss) for the period to be appropriated9905€-24k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-24k€-13k▲
Profit (loss) brought forward from the previous period14P-€-24k
The notes to these accounts (8 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
16-07
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.
Directors · office · real estate
Directors
1 act for this company is 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, Antwerpen · 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.
Mechelsesteenweg 1122018 AntwerpenGround area
266 m²
Building footprint
176 m²
Volume, LiDAR
1,946 m³
Parcel 11810K1520/00Y016, Flanders · tallest building 19.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Folia
since 20232.349.501.336
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11810K1520/00Y016 | Flanders | 266 m² | 1 · 176 m² | 19.1 m · 4 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteAntwerpen2.349.501.336
Similar companies · same sector, comparable size
TOMALEX
BE 0717.654.005
Sint-Pieters-Leeuw · Eq €77k
MATUVI CONCEPTS
BE 0881.018.831
Rochefort · Eq €77k
LE JARDINET
BE 0810.356.113
Walcourt · Eq €77k
JOSKE
BE 1006.101.618
Sint-Pieters-Leeuw · Eq €77k
EURO SIM
BE 0700.453.628
Rixensart · Eq €77k
Of 20,495 companies in sector 56111 we hold annual accounts for 11,455. 9,789 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-08-2023
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
56210Event catering
56220Contract catering and other food service activities
56290Food and beverage service activities
56301Cafés and bars
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.