Financials
- Fiscal year
- 2025
- Total assets
- €634,940
- Loss
- -€4,006
- Solvency
- 35.2%
Total assets▼ 7.9%
Net result
20182025
FOTORAMA
ActiveSummary
FOTORAMA has been active since 1980 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €223,781 and a net result of -€4,006. Equity is growing by ~7.7% per year across the filed fiscal years. Its solvency ranks better than 35% of 1041 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
Activity
Pre-press and pre-media services
NACE 18130
2 sites
Size
€634,940total assets 2025
- Equity
- €223,781
- Loss
- -€4,006
Turnover not published (abridged schema)
Structure
Accounts 18 d early0 of 3 deeds read
Why 93- Sector Printing and reproduction of recorded media (NACE 18)+ Founded in 1980+ Size: total assets €634,940+ Liquidity: current ratio 2.94, cash €94,621Show the evidence
Checked score
Score 2025
93
/ 100
Excellent
Probability in this band: under 0.55%
Better than 45% of its sector peers (NACE 18, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
60+2
equity 35.2% of total assets
Liquidity
68+1
short-term debt 10.9% · cash 14.9%
Profitability
68+1
return on assets -0.6%
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 12 months
11-2025: 0.1%
12-2025: 0.1%● 0.0% vs 11-2025
01-2026: 0.1%● 0.0% vs 12-2025
02-2026: 0.1%▲ +1.3% vs 01-2026
03-2026: 0.1%▲ +5.1% vs 02-2026
04-2026: 0.1%▲ +17.1% vs 03-2026
05-2026: 0.1%▲ +8.3% vs 04-2026
06-2026: 0.1%▲ +2.9% vs 05-2026
07-2026: 0.1%▲ +14.0% vs 06-2026highest value
08-2026: 0.1%▼ -41.8% vs 07-2026lowest value
09-2026: 0.1%● 0.0% vs 08-2026lowest value
10-2026: 0.1%● 0.0% vs 09-2026lowest value
- Founded in 1980 lowers the probability for this profile
- Size: total assets €634,940 lowers the probability for this profile
- Liquidity: current ratio 2.94, cash €94,621 lowers the probability
- Sector Printing and reproduction of recorded media (NACE 18) raises the probability
Credit up to €20,000 at 30 days acceptable
Liquidity ample (current ratio 2.94 against 3.09 in 2024; short-term debt: 10.9% and cash: 14.9% of total assets), but 64.8% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 18, micro). Better than this share of them on solvency 37%, liquidity 64%, profitability 41%, growth against the median 37%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€4,006
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 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
27 d late
2023
15 d early
2022
4 d early
2021
26 d early
2020
26 d early
2019
17 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 11 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
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. Usually files around 17 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Annual accounts filedfiscal year 2024 · micro…
- Weakest financial yearnet -€7,493
Key points
By topic
Timeline
- Events
- 15
- Since
- 2017
- Next accounts
- by 31-07-2027
- 13-07-2026Annual accounts filed
- 27-08-2025Annual accounts filed
- 31-12-2024Weakest financial year
Company details
- Sites
- 2
- Legal form
- Private limited company
- Activity
- Pre-press and pre-media servicesNACE 18130
- Founded
- 23-04-1980
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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