FOTOMARKT
ActiveFOTOMARKT has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €171k and a net result of €53k. Equity is shrinking by ~11.2% per year across the filed fiscal years. Its solvency ranks better than 45% of 10145 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
73
/ 100
Healthy▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency59▼-6
Growth32=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity tight (current ratio 1.31 against 1.43 in 2024), and 66.8% 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 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 · 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
33.2%
Return on assets
10.2%
Age of the figures
17 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
1 d early
2023
29 d late
2022
30 d late
2021
24 d late
2020
24 d late
2019
23 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close10-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€171k▲ 44.5%
2024 · €118k
2019: €309k
2020: €245k
2021: €280k
2022: €336k
2023: €184k
2024: €118k
2019 → 2025
Total assets
€514k▲ 54.9%
2024 · €332k
2019: €523k
2020: €477k
2021: €525k
2022: €541k
2023: €437k
2024: €332k
2019 → 2025
Net result
€53k▼ 28.7%
2024 · €74k
2019: €77k
2020: €116k
2021: €35k
2022: €56k
2023: €-151k
2024: €74k
2019 → 2025
Working capital
€107k▲ 23.2%
2024 · €87k
2019: €268k
2020: €214k
2021: €245k
2022: €314k
2023: €134k
2024: €87k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€280k-€336k▲ 19.8%€184k▼ 45.0%€118k▼ 35.9%€171k▲ 44.5%
Operating result€78k-€69k▼ 12.1%€-136k€101k€79k▼ 21.8%
Net result€35k-€56k▲ 57.9%€-151k€74k€53k▼ 28.7%
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 2025; 2025 is 22% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €514k
Fixed assets
€64k▲ 43.7%
Current assets
€450k▲ 56.6%
Equity and liabilities €514k
Equity
€171k▲ 44.5%
Debt
€343k▲ 60.7%
The debt ratio rises from 64.4% to 66.8%: debt grows faster than equity.
Key figures and ratios
EBITDA
€89k▼
2024 · €112k
Cash flow
€62k▼
2024 · €85k
Solvency
33.2%▼
2024 · 35.6%
Current ratio
1.31▼
2024 · 1.43
Quick ratio
0.74▲
2024 · 0.68
Debt / equity
2.01▲
2024 · 1.81
ROE
30.8%▼
2024 · 62.4%
ROA
10.2%▼
2024 · 22.2%
Interest coverage
39.06▲
2024 · 13.63
Debt
€343k▲
2024 · €214k
Debt ≤ 1 year
€343k▲
2024 · €200k
Income taxes
€24k▲
2024 · €23k
Staff costs
€209k▲
2024 · €163k
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€332k€514k▲
Fixed assets21/28€44k€64k▲
Intangible fixed assets21€3k€2k▼
Tangible fixed assets22/27€31k€52k▲
Land and buildings22€27k€32k▲
Plant, machinery and equipment23€2k€8k▲
Furniture and vehicles24€2k€12k▲
Financial fixed assets28€10k€10k=
Current assets29/58€288k€450k▲
Amounts receivable after more than one year29€12k€33k▲
Other amounts receivable291€12k€33k▲
Stocks and contracts in progress3€151k€198k▲
Stocks30/36€151k€198k▲
Amounts receivable within one year40/41€45k€205k▲
Trade receivables40€19k€180k▲
Other amounts receivable41€26k€25k▼
Cash at bank and in hand54/58€76k€10k▼
Deferred charges and accrued income490/1€2k€5k▲
Equity and liabilities
Total equity and liabilities10/49€332k€514k▲
Equity10/15€118k€171k▲
Contributions10/11€6k€6k=
Reserves13€21k€73k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€19k€19k=
Distributable reserves133-€53k
Profit (loss) carried forward14€91k€91k=
Amounts payable17/49€214k€343k▲
Amounts payable within one year42/48€200k€343k▲
Financial debts43€50k€0▼
Credit institutions430/8€50k€0▼
Other loans439-€0
Trade debts44€98k€275k▲
Suppliers440/4€98k€275k▲
Taxes, remuneration and social security45€53k€68k▲
Taxes450/3€22k€34k▲
Remuneration and social security454/9€31k€34k▲
Accrued charges and deferred income492/3€13k€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€163k€209k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€10k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€277k€299k▲
Operating profit (loss)9901€101k€79k▼
Financial income75/76B€4k€64▼
Recurring financial income75€4k€64▼
Financial charges65/66B€8k€2k▼
Recurring financial charges65€8k€2k▼
Profit (loss) for the period before taxes9903€96k€77k▼
Income taxes67/77€23k€24k▲
Profit (loss) for the period9904€74k€53k▼
Profit (loss) for the period to be appropriated9905€74k€53k▼
Appropriation of the result
Profit (loss) to be appropriated9906€231k€144k▼
Profit (loss) brought forward from the previous period14P€158k€91k▼
Transfer to equity691/2-€53k
To other reserves6921-€53k
Profit to be distributed694/7€140k€0▼
Return on contributions (dividend)694€140k€0▼
Social balance
Average headcount (FTE)90873.24.5▲
The notes to these accounts (16 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
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-03
Financial
Equity above €150kEq €171k ▲44.5%
2 profitable years in a row build equity to €171k.
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-03
Financial
Back to profitnet €74k
Net result €74k after one loss-making year.
2023
29-11
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
31-03
Financial
Weakest financial yearnet €-151k ▼372%
Net result drops to €-151k, the lowest in the series; recovery starts the following year.
2022
30-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2021
24-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 24 days late
2020
24-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
31-03
Financial
Highest result since 2019net €116k ▲50.3%
Operating result €128k, net result €116k, both a record.
2019
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
24-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
07-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 127 days late
2016
26-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Tienen · 1 establishment unit since 2009
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.
Leuvensestraat 343300 TienenGround area
319 m²
Building footprint
179 m²
Volume, LiDAR
1,398 m³
Parcel 24593G0191/00M002, Flanders · tallest building 17.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
FOTOMARKT
since 20092.178.489.049
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24593G0191/00M002 | Flanders | 319 m² | 1 · 179 m² | 17.2 m · 1 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.
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Of 3,211 companies in sector 47400 we hold annual accounts for 1,795. 1,374 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded27-04-2009
Fiscal year end31-03
Activities, NACEBEL
47400Retail sale of information and communication equipment
47420Retail trade
47430Retail trade
47742Retail sale of prescription glasses, lenses and sunglasses
47782Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.