FOSMAL
ActiveSummary
The computed 12-month bankruptcy probability of FOSMAL is 1.8% (moderate). The 2025 annual accounts show equity of €275k and a net result of €21k. Equity is growing by ~17.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 13305 sector peers (fiscal year 2025). The company has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77=
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 10.13 against 5.99 in 2024; short-term debt: 8.9% and cash: 74.2% of total assets), and 8.9% 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 56
Relative position
BE, all sectors
reference
Sector 56
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 · 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
91.1%
Return on assets
6.9%
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
21 d late
2023
7 d late
2022
19 d late
2021
5 d late
2020
27 d late
2019
14 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€275k▲ 8.2%
2024 · €254k
2018: €120k
2019: €90k
2020: €117k
2021: €153k
2022: €196k
2023: €235k
2024: €254k
2018 → 2025
Total assets
€302k=
2024 · €302k
2018: €152k
2019: €105k
2020: €135k
2021: €208k
2022: €253k
2023: €285k
2024: €302k
2018 → 2025
Net result
€21k▲ 5.0%
2024 · €20k
2018: €31k
2019: €-30k
2020: €28k
2021: €42k
2022: €43k
2023: €39k
2024: €20k
2018 → 2025
Working capital
€244k▲ 14.9%
2024 · €213k
2018: €94k
2019: €62k
2020: €110k
2021: €141k
2022: €186k
2023: €221k
2024: €213k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€153k-€196k▲ 27.9%€235k▲ 19.6%€254k▲ 8.5%€275k▲ 8.2%
Operating result€50k-€62k▲ 24.6%€53k▼ 14.0%€30k▼ 44.2%€31k▲ 5.0%
Net result€42k-€43k▲ 2.3%€39k▼ 10.0%€20k▼ 48.3%€21k▲ 5.0%
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 5% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €302k
Fixed assets
€31k ▼ 33.9%
Current assets
€271k ▲ 6.2%
Equity and liabilities €302k
Equity
€275k ▲ 8.2%
Debt
€27k ▼ 44.0%
Debt's share of the balance-sheet total falls from 15.8% to 8.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€48k▲
2024 · €41k
Cash flow
€38k▲
2024 · €31k
Current ratio
10.13▲
2024 · 5.99
Quick ratio
10.10▲
2024 · 5.96
Debt to equity
0.10▼
2024 · 0.19
ROE
7.6%▼
2024 · 7.8%
ROA
6.9%▲
2024 · 6.6%
Interest coverage
22.25▲
2024 · 16.96
Debt ≤ 1 year
€27k▼
2024 · €43k
Debt > 1 year
€0▼
2024 · €5k
Income taxes
€9k▼
2024 · €10k
Staff costs
€37k▼
2024 · €43k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€302k€302k=
Fixed assets21/28€47k€31k▼
Tangible fixed assets22/27€47k€31k▼
Land and buildings22€3k€3k▼
Plant, machinery and equipment23€968€341▼
Furniture and vehicles24€38k€25k▼
Other tangible fixed assets26€4k€3k▼
Financial fixed assets28€500€500=
Current assets29/58€255k€271k▲
Amounts receivable after more than one year29€31k€21k▼
Other amounts receivable291€31k€21k▼
Stocks and contracts in progress3€1k€712▼
Stocks30/36€1k€712▼
Amounts receivable within one year40/41€18k€20k▲
Other amounts receivable41€18k€20k▲
Cash at bank and in hand54/58€200k€224k▲
Deferred charges and accrued income490/1€5k€6k▲
Equity and liabilities
Total equity and liabilities10/49€302k€302k=
Equity10/15€254k€275k▲
Contributions10/11€19k€19k=
Reserves13€232k€253k▲
Distributable reserves133€232k€253k▲
Profit (loss) carried forward14€4k€4k=
Amounts payable17/49€48k€27k▼
Amounts payable after more than one year17€5k€0▼
Financial debts170/4€5k€0▼
Amounts payable within one year42/48€43k€27k▼
Current portion of amounts payable after more than one year42€6k€5k▼
Trade debts44€9k€1k▼
Suppliers440/4€9k€1k▼
Taxes, remuneration and social security45€20k€19k▼
Taxes450/3€17k€18k▲
Remuneration and social security454/9€3k€2k▼
Other amounts payable47/48€7k€682▼
Income statement
Code20242025
Remuneration, social security and pensions62€43k€37k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€17k▲
Other operating charges640/8€3k€293▼
Gross operating margin9900€87k€85k▼
Operating profit (loss)9901€30k€31k▲
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€29k€30k▲
Income taxes67/77€10k€9k▼
Profit (loss) for the period9904€20k€21k▲
Profit (loss) for the period to be appropriated9905€20k€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€24k€25k▲
Profit (loss) brought forward from the previous period14P€4k€4k=
Transfer to equity691/2€20k€21k▲
To other reserves6921€20k€21k▲
The notes to these accounts (7 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
07-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 7 days late
2023
31-12
Financial
Equity above €200kEq €235k ▲19.6%
4 profitable years in a row build equity to €235k.
19-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 19 days late
2022
31-12
Financial
Highest result since 2018net €43k ▲2.3%
Operating result €62k, net result €43k, both a record.
05-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 5 days late
2021
31-12
Financial
Equity above €150kEq €153k ▲30.5%
2 profitable years in a row build equity to €153k.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Back to profitnet €28k
Net result €28k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 15.30
Current ratio from 5.89 to 15.30; short-term debt falls from €13k to €8k.
31-12
Financial
Equity above €100kEq €117k ▲30.7%
Equity rises from €90k to €117k.
Show earlier events
14-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 14 days late
2019
31-12
Financial
Weakest financial yearnet €-30k ▼196%
Net result drops to €-30k, the lowest in the series; recovery starts the following year.
09-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 9 days late
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
11-07
NBB filing
Annual accounts filed
fiscal year 2016 · full 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, Brussel · 1 establishment unit since 2002
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.
Houba de Strooperlaan 1641020 BrusselGround area
235 m²
Building footprint
179 m²
Volume, LiDAR
1,663 m³
Parcel 21816H0105/00D011, Brussels · tallest building 14.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
DYNASTIE
since 20022.098.970.033
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21816H0105/00D011 | Brussels | 235 m² | 1 · 179 m² | 14.7 m · 3 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 siteBrussel2.098.970.033
Similar companies · same sector, comparable size
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DE CARRÉ
BE 0472.959.429
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BINBOGA
BE 0811.494.080
Brecht · Eq €275,194
CHEZ M
BE 0861.538.459
Herstal · Eq €275,042
DARON
BE 0863.046.810
Sint-Niklaas · Eq €274,984
Of 20,493 companies in sector 56111 we hold annual accounts for 11,461. 7,873 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-03-2002
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.