Fona
ActiveFona has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €419k and a net result of €21k. Equity remains stable across the filed fiscal years (±2.2% per year). Its solvency ranks better than 50% of 9623 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
65
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability56▼-17
Solvency64▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity short (current ratio 0.97 against 0.94 in 2023; short-term debt: 56.6% and cash: 22.5% of total assets), and 61.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €419k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-07-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
on the day
2023
on the day
2022
29 d late
2021
on the day
2020
19 d late
2019
18 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€419k▲ 5.2%
2023 · €399k
2018: €350k
2019: €382k
2020: €374k
2021: €358k
2022: €364k
2023: €399k
2018 → 2024
Total assets
€1.08M▼ 1.8%
2023 · €1.10M
2018: €719k
2019: €703k
2020: €662k
2021: €1.21M
2022: €1.17M
2023: €1.10M
2018 → 2024
Net result
€21k▼ 42.7%
2023 · €36k
2018: €14k
2019: €32k
2020: €-8k
2021: €-16k
2022: €6k
2023: €36k
2018 → 2024
Working capital
€-21k▲ 40.1%
2023 · €-35k
2018: €213k
2019: €201k
2020: €206k
2021: €-113k
2022: €-90k
2023: €-35k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€374k-€358k▼ 4.3%€364k▲ 1.7%€399k▲ 9.6%€419k▲ 5.2%
Operating result€484-€-9k€24k€64k▲ 169%€49k▼ 23.9%
Net result€-8k-€-16k▼ 92.9%€6k€36k▲ 502%€21k▼ 42.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 24% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.08M
Fixed assets
€489k▼ 3.9%
Current assets
€589k=
Equity and liabilities €1.08M
Equity
€419k▲ 5.2%
Debt
€659k▼ 5.7%
The debt ratio falls from 63.7% to 61.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€95k▼
2023 · €110k
Cash flow
€67k▼
2023 · €81k
Solvency
38.9%▲
2023 · 36.3%
Current ratio
0.97▲
2023 · 0.94
Quick ratio
0.43▲
2023 · 0.32
Debt / equity
1.57▼
2023 · 1.75
ROE
4.9%▼
2023 · 9.0%
ROA
1.9%▼
2023 · 3.3%
Interest coverage
4.13▼
2023 · 7.24
Debt
€659k▼
2023 · €699k
Debt ≤ 1 year
€610k▼
2023 · €624k
Debt > 1 year
€49k▼
2023 · €75k
Income taxes
€10k▼
2023 · €13k
Staff costs
€154k▲
2023 · €150k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.10M€1.08M▼
Fixed assets21/28€509k€489k▼
Tangible fixed assets22/27€506k€486k▼
Land and buildings22€498k€459k▼
Plant, machinery and equipment23-€986
Furniture and vehicles24€8k€8k▼
Other tangible fixed assets26-€19k
Financial fixed assets28€3k€3k=
Current assets29/58€589k€589k=
Stocks and contracts in progress3€391k€329k▼
Stocks30/36€391k€329k▼
Amounts receivable within one year40/41€5k€9k▲
Trade receivables40€4k€3k▼
Other amounts receivable41€2k€6k▲
Current investments50/53€80k€0▼
Cash at bank and in hand54/58€98k€243k▲
Deferred charges and accrued income490/1€14k€8k▼
Equity and liabilities
Total equity and liabilities10/49€1.10M€1.08M▼
Equity10/15€399k€419k▲
Contributions10/11€19k€19k=
Reserves13€173k€194k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132€38k€38k=
Distributable reserves133€136k€156k▲
Profit (loss) carried forward14€207k€207k=
Amounts payable17/49€699k€659k▼
Amounts payable after more than one year17€75k€49k▼
Financial debts170/4€75k€49k▼
Amounts payable within one year42/48€624k€610k▼
Current portion of amounts payable after more than one year42€26k€26k=
Financial debts43-€12k
Credit institutions430/8-€12k
Trade debts44€90k€108k▲
Suppliers440/4€90k€108k▲
Taxes, remuneration and social security45€28k€23k▼
Taxes450/3€13k€14k▲
Remuneration and social security454/9€15k€9k▼
Other amounts payable47/48€480k€441k▼
Income statement
Code20232024
Remuneration, social security and pensions62€150k€154k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€45k€47k▲
Other operating charges640/8€6k€7k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€266k€257k▼
Operating profit (loss)9901€64k€49k▼
Financial income75/76B€260€4k▲
Recurring financial income75€260€4k▲
Financial charges65/66B€15k€23k▲
Recurring financial charges65€15k€23k▲
Profit (loss) for the period before taxes9903€49k€30k▼
Income taxes67/77€13k€10k▼
Profit (loss) for the period9904€36k€21k▼
Profit (loss) for the period to be appropriated9905€36k€21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€242k€227k▼
Profit (loss) brought forward from the previous period14P€207k€207k=
Transfer to equity691/2€35k€21k▼
To contributions691€35k€0▼
To other reserves6921€0€21k▲
Profit to be distributed694/7€1k€0▼
Directors or managers695€1k€0▼
Social balance
Average headcount (FTE)90873.03.0=
The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €36k ▲502%
Operating result €64k, net result €36k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Back to profitnet €6k
Net result €6k after 2 loss-making years.
31-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €-16k
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 19 days late
2020
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 26 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 29 days late
2016
08-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Leuven · 1 establishment unit since 2003
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.
Savoyestraat 5A3000 LeuvenGround area
161 m²
Building footprint
161 m²
Volume, LiDAR
1,718 m³
Parcel 24502B0829/00Y000, Flanders · tallest building 15.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
XANDRES
since 20032.133.188.465
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24502B0829/00Y000 | Flanders | 161 m² | 1 · 161 m² | 15.6 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.
Similar companies · same sector, comparable size
YANNUCCI
BE 0435.333.426
Turnhout · Eq €421k
CHANIA
BE 0897.796.465
Chaudfontaine · Eq €414k
MAXLI
BE 0452.395.627
Tubize · Eq €412k
LIEVENS KLEDING
BE 0436.669.056
Geel · Eq €411k
Infinite Styles Ecommerce-Belgium
BE 0782.808.311
Brussel · Eq €430k
Of 2,212 companies in sector 47711 we hold annual accounts for 890. 545 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-07-2003
Fiscal year end31-12
Activities, NACEBEL
47711Retail sale of women's outerwear
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
52421
52423
Sources
Crossroads Bank for EnterprisesNational Bank · 21 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.