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FROMAGICIEN

Active
Rue Derrière les Jardins 8 ·4610 Beyne-Heusay, Belgium
KBO/BCE: BE 1003.902.092
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Age2 yrs
Connections1
Real estate1 parcel · 53 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of FROMAGICIEN is 0.4% (very low). The 2025 annual accounts show equity of €71k and a net result of €25k. Its solvency ranks better than 85% of 4723 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Signals

1 signal · with evidence
Strong solvency vs sector
Solvency is in the sector's strongest quartile: better than 85% of 4723 peers (2025). A comfortable equity buffer.
View the sector comparison

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-04-2026, 102 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
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.
How we compute the deadline
The year end is derived from 3 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 20-04-2026 102 d early 2026-00082596
31-12-2024 31-07-2025 15-07-2025 16 d early 2025-00269966
31-12-2023 31-07-2024 12-07-2024 19 d early 2024-00239098

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Young company
Founded in 2023, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No administrative flags

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
0.4% Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Young company +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€25k
Working capital€6k

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 20-04-2026 with the NBB · fiscal year 2025 · micro
Sector comparison
Fiscal year 2025 · NACE 70, Head offices & management consulting · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 85.6% 55.5%
better than 85% of 4723 sector peers
Net result €25k €38k
better than 39% of 4722 sector peers
Equity €71k €64k
better than 53% of 4723 sector peers
Gross operating margin €34k €61k
better than 32% of 4715 sector peers
Total assets €83k €146k
better than 28% of 4723 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2025
Depositmicro
Revenue-
EBITDA€34k
Net profit€25k
Cash flow€25k
Staff costs-
Income taxes€9k
Dividends-
Total assets€83k
Equity€71k
Debt€12k
of which ≤ 1y€12k
of which > 1y-
Working capital€6k
Employees (FTE)-
Ratios (computed)
2025
Current ratio1.48
Quick ratio1.48
Working capital ratio6.9%
Solvency85.6%
Debt / equity0.17
Long-term debt ratio-
Interest coverage274.93
Gross margin-
Net margin-
ROA29.8%
ROE34.8%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€83k
Fixed assets 21/28€65k
Tangible fixed assets 22/27€13k
Financial fixed assets 28€52k
Current assets 29/58€18k
Amounts receivable within one year 40/41€14k
Cash & bank 54/58€4k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€83k
Equity 10/15€71k
Contributions / capital 10/11€3k
Reserves 13€68k
Amounts payable 17/49€12k
Amounts payable within one year 42/48€12k
Trade debts payable within one year 44€545
Income statement
Gross operating margin 9900€34k
Operating result 9901€33k
Financial income 75€207
Financial charges 65€123
Result before taxes 9903€33k
Income taxes 67/77€9k
Net result for the period 9904€25k
Result to be appropriated 9905€25k
Ratios computed by Checked.

Health barometer

FY 2025 · computed
88 / 100 Excellent
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

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Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Connections & network

1 connected company
Group structure
FROMAGERIE REGAL
Subsidiary · 1 location
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.

Locations & real estate

Establishment units

1 location
FROMAGICIEN
Rue Derrière les Jardins 8, 4610 Beyne-HeusayOverige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering
since 20232.354.960.357
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area53 m²
Buildings1
Building footprint59 m²

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
62082A0381/00A000 Wallonia 53 m² 1 · 59 m² -
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source and are complete.

Analysis

Snowflake analysis

financial profile on 5 axes
Health88Profitability100Solvency88Growth-Stability67
86 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 88
Profitability 100
Solvency 88
Growth -
Stability 67

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AI due-diligence brief

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Credit advice

verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

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Company registry

Company registry (CBE)

Crossroads Bank
Activities
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220
Primary activity highlighted.
Names & trade names
Legal nameFR FROMAGICIEN
Registered office
Rue Derrière les Jardins 8
4610 Beyne-Heusay, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.