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Fona

Active
Private limited companyfounded 2003active for 23 yearsSavoyestraat 5A, 3000 Leuven, BelgiumKBO/BCE: BE 0859.844.523
Summary

Fona has been active since 2003 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €453,201 and a net result of €34,054. Equity has been growing by about 3% per year since 2018. Its solvency ranks better than 59% of 12,775 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Overview

Official details

Source: KBO
Status
Active since 30-07-2003 Normal situation
Activity
Retail sale of women's outerwear NACE 47711and 1 other
Joint committee
201 Paritair Comité voor de zelfstandige kleinhandel · annual accounts 2024
Establishment unit
2.133.188.465 3000 Leuven, since 25-07-2003
Financial year end
31 December
Peppol
Reachable since 17-04-2025

Board and ownership

Financial position

93 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Annual accounts 2025
Gross margin
€260,816
▲ 1.6%
Turnover
≈ €950,000
estimated
Profit
€34,054
▲ 65.9%
Equity
€453,201
▲ 8.1%
Total assets
€1.0m
▼ 6.8%
Employees on 31-12-2025
3
▼ 40.0%
Score breakdownlowers riskFounded in 2003Equity €453,201 (45.1% of total assets)Liquidity: current ratio 1.06, cash €171,480Size: 2.3 FTE, total assets €1.0mShow the evidence

Checked score

Score 2025
93 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 54% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2024
Strong
Solvency 70+6
equity 45.1% of total assets
Liquidity 45-4
short-term debt 52.6% · cash 17.1%
Profitability 73+17
return on assets 3.4%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,272 companies, NACE 47, micro)
Last 24 months 12-2024: 0.5% 01-2025: 0.5%● unchanged vs 12-2024 02-2025: 0.5%● unchanged vs 01-2025 03-2025: 0.5%● unchanged vs 02-2025 04-2025: 0.5%● unchanged vs 03-2025 05-2025: 0.6%▲ +0.1 percentage points vs 04-2025 06-2025: 0.7%▲ +0.1 percentage points vs 05-2025 07-2025: 0.8%▲ +0.1 percentage points vs 06-2025highest value 08-2025: 0.3%▼ -0.5 percentage points vs 07-2025 09-2025: 0.3%● unchanged vs 08-2025 10-2025: 0.3%● unchanged vs 09-2025 11-2025: 0.3%● unchanged vs 10-2025 12-2025: 0.3%● unchanged vs 11-2025 01-2026: 0.3%● unchanged vs 12-2025 02-2026: 0.3%● unchanged vs 01-2026 03-2026: 0.3%● unchanged vs 02-2026 04-2026: 0.3%● unchanged vs 03-2026 05-2026: 0.4%▲ +0.1 percentage points vs 04-2026 06-2026: 0.4%● unchanged vs 05-2026 07-2026: 0.3%▼ -0.1 percentage points vs 06-2026 08-2026: 0.3%● unchanged vs 07-2026 09-2026: 0.3%● unchanged vs 08-2026 10-2026: 0.1%▼ -0.2 percentage points vs 09-2026lowest value 11-2026: 0.1%● unchanged vs 10-2026lowest value
Credit of up to €40,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.06 (0.97 in 2024), below the usual 1.5. Short-term debt is 52.6% and cash 17.1% of total assets. 54.9% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 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 47, micro). It does better than 60% of them on solvency, 43% on liquidity, 57% on profitability and 58% on growth.

The bankruptcy probability was computed on 02-11-2026 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. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskneutral
lowers risk · Founded in 2003
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
lowers risk · Equity €453,201 (45.1% of total assets)
NBB · annual accounts
lowers risk · Liquidity: current ratio 1.06, cash €171,480
NBB · annual accounts
lowers risk · Size: 2.3 FTE, total assets €1.0m
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
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 29-06-2026, 32 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
32 days early
2024
on the day
2023
on the day
2022
29 days late
2021
on the day
2020
19 days late
2019
18 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average on the deadline day. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
03-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Recent changes

  1. · Gazette deed Registered office moved within Leuven
  2. · Gazette deed Change of role: FORTON Nadine Johan Françoise, from manager to statutory director
  3. · Gazette deed Incorporation
All 16 events

Comparable companies

These companies have the same main activity as Fona: retail sale of women's outerwear (NACE 47711). They are comparable in size and age: total assets between €634,000 and €1.2m, founded between 1999 and 2008.

CompanyTotal assetsGross margin
Fona Leuven€1.0m€0.3m
ENES Antwerpen€0.9m€0.3m
FRESH Antwerpen€1.2m€0.3m
CHANIA Chaudfontaine€0.8m€0.2m
E & R Beringen€0.8m€0.3m
BLUE PACIFIC Tremelo€1.2m€0.4m
100% SISTERS Lasne€0.6m€0.3m
Full comparison

Key facts about Fona

What is the company number of Fona?
The company number of Fona is 0859.844.523. The VAT number is the same number with BE in front: BE 0859.844.523.
Where is Fona based?
The registered office is at Savoyestraat 5A, 3000 Leuven.Company details
What does Fona do?
According to the KBO register, the main activity is retail sale of women's outerwear (NACE 47711).
What is the legal form of Fona?
The legal form of Fona is Private limited company (BV).
When was Fona founded?
Fona was founded on 30-07-2003.
Is Fona still active?
Yes, Fona is an active enterprise in the KBO register.
How many employees does Fona have?
Fona had an average of 2.3 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
Which joint committee does Fona fall under?
In its 2024 annual accounts, Fona states joint committee 201 (Paritair Comité voor de zelfstandige kleinhandel).
What is the turnover of Fona?
The turnover in financial year 2025 is ≈ €950,000. This figure is estimated from the gross margin of €260,816 and 47 comparable companies (NACE 477). It probably lies between €740,000 and €1.6m.
Is Fona profitable?
In financial year 2025, Fona made a profit of €34,054.
Where can I find the annual accounts of Fona?
Fona filed 22 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of Fona due?
Fona must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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