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FRIT & ZO

Active
Private limited company (pre-2019)founded 20178 yrs activeHertzstraat (Armand) 19, 1800 Vilvoorde, BelgiumKBO/BCE: BE 0682.418.655
Summary

The computed 12-month bankruptcy probability of FRIT & ZO is 2.3% (moderate). The 2025 annual accounts show equity of €158,353 and a net result of €5,698. Equity is growing by ~41.8% per year across the filed fiscal years. Its solvency ranks better than 77% of 15408 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
FRIT & ZOActiveChecked score 54/100
Risk analysis ReportCompare

Overview

Activity
Limited-service restaurants, excluding mobile food services
NACE 56112Limited-service restaurants NACE 56102
#7 company by equity in Vilvoorde, Accommodation and food service sector1 site
Size
€253,566total assets 2025
Staff
5.9 FTE
Equity
€158,353
Profit
€5,698
Turnover not published (abridged schema)
Financial health
54 Fair Checked score 2025
Bankruptcy chance 12 m
2.3%
Structure
Accounts filed 25 d late0 of 2 deeds read
Why 54- Latest accounts 25 days late; 2 of the last 3 late- Sector Food and beverage service activities (NACE 56)- Size: total assets €253,566+ Equity €158,353 (62.5% of total assets)Show the evidence

Checked score

Score 2025
54 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 58% of its sector peers (NACE 56, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 87-5
equity 62.5% of total assets
Liquidity 51+9
short-term debt 23.0% · cash 7.4%
Profitability 72-20
return on assets 2.2%
Bankruptcy probability, 12 months
2.3% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.9% (23,482 companies)
Last 24 months 11-2024: 6.1% 12-2024: 6.9%▲ +12.0% vs 11-2024 01-2025: 9.2%▲ +33.9% vs 12-2024 02-2025: 9.2%● 0.0% vs 01-2025 03-2025: 9.4%▲ +2.6% vs 02-2025 04-2025: 8.7%▼ -7.9% vs 03-2025 05-2025: 8.7%● 0.0% vs 04-2025 06-2025: 8.6%▼ -1.6% vs 05-2025 07-2025: 8.5%▼ -0.5% vs 06-2025 08-2025: 10.2%▲ +19.5% vs 07-2025 09-2025: 10.2%● 0.0% vs 08-2025 10-2025: 9.6%▼ -5.2% vs 09-2025 11-2025: 10.2%▲ +6.2% vs 10-2025 12-2025: 9.6%▼ -6.1% vs 11-2025 01-2026: 11.4%▲ +19.0% vs 12-2025 02-2026: 11.4%● 0.0% vs 01-2026 03-2026: 11.8%▲ +2.7% vs 02-2026 04-2026: 10.9%▼ -7.4% vs 03-2026 05-2026: 10.9%● 0.0% vs 04-2026 06-2026: 10.7%▼ -1.4% vs 05-2026 07-2026: 10.7%● +0.0% vs 06-2026 08-2026: 12.7%▲ +18.4% vs 07-2026highest value 09-2026: 2.3%▼ -82.2% vs 08-2026lowest value 10-2026: 2.3%● 0.0% vs 09-2026lowest value
  • Latest accounts 25 days late; 2 of the last 3 late raises the probability
  • Sector Food and beverage service activities (NACE 56) raises the probability
  • Size: total assets €253,566 raises the probability for this profile
  • Equity €158,353 (62.5% of total assets) lowers the probability
Credit up to €8,000 at 30 days acceptable
Liquidity ample (current ratio 4.29 against 2.96 in 2024; short-term debt: 23% and cash: 7.4% of total assets), and 37.5% 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 56, micro). Better than this share of them on solvency 78%, liquidity 53%, profitability 52%, growth against the median 48%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. 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

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Latest accounts 25 days late; 2 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
raises risk · Sector Food and beverage service activities (NACE 56)
In the bankruptcy model this factor raises the probability.
KBO
raises risk · Size: total assets €253,566
In the bankruptcy model this factor raises the probability for this profile.
NBB · annual accounts
lowers risk · Equity €158,353 (62.5% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 8 filings
Deviation from the deadline
2025
25 d late
2024
375 d late
2023
481 d late
2022
77 d late
2021
77 d late
2020
92 d late
2019
92 d late
← 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 174 days after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 53% 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 16 October (4 of the last 5 filed years within 298 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Annual accounts filedfiscal year 2023 · micro…

Key points

  • Positive: Among the best 14% on equitysector median €29,468 · 15,439 companies €158,353 View
  • Positive: 7 profitable years in a rowprofit 2025: €5,698 7 years View
  • Total assets 20256 fiscal years filed €253,566 View

By topic

Financials

Fiscal year
2025
Total assets
€253,566
Profit
€5,698
Solvency
62.5%
Total assets▲ 11.3%
Net result
20182025
Go to Financials

Timeline

Events
12
Since
2019
Next accounts
by 31-07-2027
  1. 25-08-2026Annual accounts filed
  2. 10-08-2026Annual accounts filed
  3. 24-11-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company (pre-2019)
Activity
Limited-service restaurants, excluding mobile food servicesNACE 56112
Founded
03-10-2017
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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