FOR-MY
ActiveThe computed 12-month bankruptcy probability of FOR-MY is 4.6% (elevated). The 2025 annual accounts show equity of €411 and a net result of €34k. Equity is growing by ~14.1% per year across the filed fiscal years. Its solvency ranks better than 26% of 13270 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency26▲+26
Growth78=
Track record100
Bankruptcy probability, 12 months
4.6%
Elevated
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity tight (current ratio 1.17 against 0.74 in 2024; short-term debt: 77.3% and cash: 78.9% of total assets), and 99.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
0.7%
Return on assets
56.7%
Age of the figures
9 mo
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 22-07-2026, 9 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
9 d early
2024
16 d early
2023
30 d late
2022
31 d late
2021
30 d late
2020
31 d late
2019
32 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€411
2024 · €-33k
2019: €-48k
2020: €-60k
2021: €-63k
2022: €-73k
2023: €-49k
2024: €-33k
2019 → 2025
Total assets
€60k▲ 6.2%
2024 · €56k
2019: €151k
2020: €134k
2021: €127k
2022: €107k
2023: €154k
2024: €56k
2019 → 2025
Net result
€34k▲ 118%
2024 · €16k
2019: €-67k
2020: €-11k
2021: €-3k
2022: €-10k
2023: €24k
2024: €16k
2019 → 2025
Working capital
€8k
2024 · €-12k
2019: €-4k
2020: €-852
2021: €-7k
2022: €-11k
2023: €1k
2024: €-12k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-63k-€-73k▼ 16.3%€-49k▲ 32.9%€-33k▲ 31.8%€411
Operating result€2k-€-7k€28k€19k▼ 31.8%€38k▲ 94.9%
Net result€-3k-€-10k▼ 258%€24k€16k▼ 35.3%€34k▲ 118%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 95% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €60k
Fixed assets
€6k▼ 71.7%
Current assets
€54k▲ 51.8%
Equity and liabilities €60k
Equity
€411
Debt
€59k
Debt finances 99.3% of the balance-sheet total.
Key figures and ratios
EBITDA
€52k▲
2024 · €34k
Cash flow
€49k▲
2024 · €30k
Solvency
0.7%▲
2024 · -59.5%
Current ratio
1.17▲
2024 · 0.74
Quick ratio
1.07▲
2024 · 0.68
ROA
56.7%▲
2024 · 27.7%
Interest coverage
14.39▲
2024 · 9.08
Debt
€59k▼
2024 · €90k
Debt ≤ 1 year
€46k▼
2024 · €48k
Debt > 1 year
€13k▼
2024 · €42k
Income taxes
€1▲
2024 · €0
Staff costs
€118k▲
2024 · €114k
Equity ratios withheld: equity of €411 is too small for a meaningful ratio.
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€56k€60k▲
Fixed assets21/28€21k€6k▼
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€20k€5k▼
Plant, machinery and equipment23€20k€5k▼
Furniture and vehicles24€214€14▼
Financial fixed assets28€486€486=
Current assets29/58€35k€54k▲
Stocks and contracts in progress3€3k€5k▲
Stocks30/36€3k€5k▲
Amounts receivable within one year40/41€156€2k▲
Trade receivables40€144-
Other amounts receivable41€12€2k▲
Current investments50/53€3k-
Cash at bank and in hand54/58€27k€47k▲
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€56k€60k▲
Equity10/15€-33k€411▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€-52k€-18k▲
Amounts payable17/49€90k€59k▼
Amounts payable after more than one year17€42k€13k▼
Financial debts170/4€34k€13k▼
Other amounts payable178/9€8k-
Amounts payable within one year42/48€48k€46k▼
Current portion of amounts payable after more than one year42€23k€22k▼
Trade debts44€5k€9k▲
Suppliers440/4€5k€9k▲
Taxes, remuneration and social security45€15k€16k▲
Taxes450/3€2k€3k▲
Remuneration and social security454/9€13k€13k▼
Other amounts payable47/48€5k-
Income statement
Code20242025
Non-recurring operating income76A€275€2k▲
Remuneration, social security and pensions62€114k€118k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€15k▲
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A€13k€375▼
Gross operating margin9900€162k€172k▲
Operating profit (loss)9901€19k€38k▲
Financial income75/76B€40€2▼
Recurring financial income75€40€2▼
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€16k€34k▲
Income taxes67/77€0€1▲
Profit (loss) for the period9904€16k€34k▲
Profit (loss) for the period to be appropriated9905€16k€34k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-52k€-18k▲
Profit (loss) brought forward from the previous period14P€-68k€-52k▲
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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2019net €34k ▲118%
Operating result €38k, net result €34k, both a record.
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Back to profitnet €24k
Net result €24k after 4 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
01-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 32 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, La Louvière · 2 establishment units since 2019
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.
Rue Hamoir(L.L) 77100 La LouvièreGround area
287 m²
Building footprint
125 m²
Volume, LiDAR
1,525 m³
2 parcels, Wallonia · tallest building 16.2 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
MY71
since 20192.283.124.929
Le bruit qui court
since 20232.340.838.741
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55372C0059/00C107 | Wallonia | 156 m² | 1 · 64 m² | 16.2 m · 5 fl. |
| 55022A0473/00B009 | Wallonia | 131 m² | 1 · 62 m² | 12.7 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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 siteLa Louvière2.340.838.741
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Of 21,896 companies in sector 56112 we hold annual accounts for 9,785. 872 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-12-2018
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:my.forgione@skynet.be
Phone:+32476326668