II Fioretto
ActiveII Fioretto has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €90k and a net result of €5k. Equity remains stable across the filed fiscal years (±1.6% per year). Its solvency ranks better than 95% of 429 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▲+2
Solvency100=
Growth62▲+10
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
short-term debt: 0.2% and cash: 6.7% of total assets, and 0.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 77
Relative position
BE, all sectors
reference
Sector 77
higher
← fewer bankruptcies
more bankruptcies →
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
99.8%
Return on assets
5.5%
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 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
21 d early
2023
34 d early
2022
32 d early
2021
25 d early
2020
36 d early
2019
39 d early
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€14k▼ 11.4%
2024 · €16k
2020: €9k
2021: €3k
2022: €10k
2023: €16k
2024: €16k
2020 → 2025
EBIT margin
31.0%▲ 16.8pp
2024 · 14.2%
2020: -83.9%
2021: -554.7%
2022: 40.3%
2023: 5.8%
2024: 14.2%
2020 → 2025
Net result
€5k▲ 66.8%
2024 · €3k
2018: €4k
2019: €3k
2020: €-7k
2021: €-14k
2022: €4k
2023: €1k
2024: €3k
2018 → 2025
Working capital
€88k▲ 8.4%
2024 · €81k
2018: €70k
2019: €77k
2020: €72k
2021: €62k
2022: €71k
2023: €77k
2024: €81k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€3k-€10k▲ 303%€16k▲ 57.4%€16k▲ 3.2%€14k▼ 11.4%
Equity€77k-€81k▲ 5.3%€82k▲ 1.5%€85k▲ 3.6%€90k▲ 5.8%
Operating result€-14k-€4k€917▼ 77.4%€2k▲ 153%€4k▲ 93.8%
Net result€-14k-€4k€1k▼ 70.5%€3k▲ 147%€5k▲ 66.8%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 94% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €90k
Fixed assets
€2k▼ 50.0%
Current assets
€88k▲ 6.2%
Equity and liabilities €90k
Equity
€90k▲ 5.8%
Debt
€193▼ 90.0%
The debt ratio falls from 2.2% to 0.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€6k▲
2024 · €5k
Cash flow
€7k▲
2024 · €5k
Solvency
99.8%▲
2024 · 97.8%
Debt / equity
0.00▼
2024 · 0.02
ROE
5.5%▲
2024 · 3.5%
ROA
5.5%▲
2024 · 3.4%
Interest coverage
32.05▲
2024 · 25.82
Debt
€193▼
2024 · €2k
Debt ≤ 1 year
€155▼
2024 · €2k
A ratio outside any meaningful range has been withheld (balance sheet total €90k, equity €90k).
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€87k€90k▲
Fixed assets21/28€4k€2k▼
Tangible fixed assets22/27€4k€2k▼
Furniture and vehicles24€4k€2k▼
Current assets29/58€83k€88k▲
Current investments50/53€79k€82k▲
Cash at bank and in hand54/58€4k€6k▲
Deferred charges and accrued income490/1€216€126▼
Equity and liabilities
Total equity and liabilities10/49€87k€90k▲
Equity10/15€85k€90k▲
Contributions10/11€50k€50k=
Capital10€50k€50k=
Profit (loss) carried forward14€35k€40k▲
Amounts payable17/49€2k€193▼
Amounts payable within one year42/48€2k€155▼
Trade debts44€2k-
Suppliers440/4€2k-
Taxes, remuneration and social security45€9€155▲
Taxes450/3€9€155▲
Accrued charges and deferred income492/3€64€38▼
Income statement
Code20242025
Turnover70€16k€14k▼
Goods, raw materials, services and sundry goods60/61€12k€8k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-252-
Other operating charges640/8€493€182▼
Gross operating margin9900€5k€7k▲
Operating profit (loss)9901€2k€4k▲
Financial income75/76B€805€618▼
Recurring financial income75€805€618▼
Financial charges65/66B€180€201▲
Recurring financial charges65€180€201▲
Profit (loss) for the period before taxes9903€3k€5k▲
Profit (loss) for the period9904€3k€5k▲
Profit (loss) for the period to be appropriated9905€3k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€35k€40k▲
Profit (loss) brought forward from the previous period14P€32k€35k▲
The notes to these accounts (4 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
04-09
State Gazette act
Director resignation · Member admissionDirector resignation · Member admission · Director appointment9 facts ▸
State Gazette act
Director resignation · Member admission
Director resignation · Member admission · Director appointment9 facts ▸
- Director resignation, Linda Van Cauwenbergh (lid en bestuurder)
- Director resignation, Jeroen Coosemans (lid en bestuurder)
- Director resignation, Piet Vanthemsche (lid en bestuurder)
- Director resignation, Luk Zelderloo (lid en bestuurder)
- Director resignation, Hans Vanackere (lid en bestuurder)
- Member admission, Lieve Malfait
- Director appointment, Lieve Malfait (bestuurder)
- Board composition, Voorzitter, 2026-06-29
- Board composition, Bestuurder, 2026-06-29
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Highest result since 2018net €5k ▲66.8%
Operating result €4k, net result €5k, both a record.
31-12
Financial
Liquidity times 13current ratio 568.54
Current ratio from 44.53 to 568.54; short-term debt falls from €2k to €155.
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €4k
Net result €4k after 2 loss-making years.
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €-14k
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 directors, no change since 2026
Lieve Malfait
CurrentDirector · since 29-06-2026
29-06-2026
Lieve Malfait: Appointed as Director
29-06-2026
Hans Vanackere: Resigned as Lid en bestuurder
29-06-2026
Jeroen Coosemans: Resigned as Lid en bestuurder
29-06-2026
Linda Van Cauwenbergh: Resigned as Lid en bestuurder
29-06-2026
Luk Zelderloo: Resigned as Lid en bestuurder
29-06-2026
Piet VANTHEMSCHE: Resigned as Lid en bestuurder
Location & real-estate footprint
Registered office, Lennik
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.
Kroonstraat 461750 LennikGround area
1.3 ha
Building footprint
4,070 m²
Volume, LiDAR
35,586 m³
Parcel 23072E0444/00K000, Flanders · tallest building 26.1 m, ±3 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23072E0444/00K000indicative | Flanders | 1.3 ha | 1 · 4,070 m² | 26.1 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
WSL Techniek
BE 0795.487.201
Lummen · Eq €90k
SV-Events
BE 0797.800.056
Lille · Eq €89k
RALV
BE 0770.395.081
Antwerpen · Eq €91k
AXALL
BE 0479.760.119
Villers-la-Ville · Eq €88k
PROTRACTOR
BE 0842.317.712
Bilzen-Hoeselt · Eq €94k
Of 517 companies in sector 77222 we hold annual accounts for 165. 132 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded17-12-1996
Fiscal year end31-12
Activities, NACEBEL
71403
77222Rental and leasing activities
94999Other membership organisations
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.