VOS FABIAN
ActiveVOS FABIAN has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €34k and a net result of €-990. Equity is growing by ~13.1% per year across the filed fiscal years. Its solvency ranks better than 36% of 18040 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
43
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability18▼-53
Solvency43▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity tight (current ratio 1.22 against 1.22 in 2024; short-term debt: 81.6% and cash: 5.9% of total assets), and 81.6% 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
18.4%
Return on assets
-0.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
26 d late
2023
26 d late
2022
31 d late
2021
12 d early
2020
30 d late
2019
52 d late
← 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, micro schema
Equity
€34k▼ 2.8%
2024 · €35k
2018: €13k
2019: €11k
2020: €20k
2021: €27k
2022: €29k
2023: €31k
2024: €35k
2018 → 2025
Total assets
€186k▼ 0.5%
2024 · €187k
2018: €168k
2019: €162k
2020: €169k
2021: €173k
2022: €178k
2023: €182k
2024: €187k
2018 → 2025
Net result
€-990
2024 · €4k
2018: €-9k
2019: €-3k
2020: €9k
2021: €7k
2022: €2k
2023: €3k
2024: €4k
2018 → 2025
Working capital
€33k▼ 2.6%
2024 · €34k
2018: €8k
2019: €8k
2020: €18k
2021: €25k
2022: €27k
2023: €30k
2024: €34k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€27k-€29k▲ 6.7%€31k▲ 9.4%€35k▲ 11.9%€34k▼ 2.8%
Operating result€6k-€1k▼ 79.6%€2k▲ 66.1%€4k▲ 81.5%€-1k
Net result€7k-€2k▼ 74.7%€3k▲ 50.5%€4k▲ 38.9%€-990
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €1k after €4k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €186k
Fixed assets
€1k▼ 7.6%
Current assets
€185k▼ 0.4%
Equity and liabilities €186k
Equity
€34k▼ 2.8%
Debt
€152k▲ 0.1%
The debt ratio rises from 81.2% to 81.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-1k▼
2024 · €4k
Cash flow
€-902▼
2024 · €4k
Solvency
18.4%▼
2024 · 18.8%
Current ratio
1.22▼
2024 · 1.22
Quick ratio
0.07▲
2024 · 0.06
Debt / equity
4.44▲
2024 · 4.31
ROE
-2.9%▼
2024 · 10.7%
ROA
-0.5%▼
2024 · 2.0%
Interest coverage
-26.72▼
2024 · 91.75
Debt
€152k▲
2024 · €152k
Debt ≤ 1 year
€152k▲
2024 · €152k
Income taxes
€379▼
2024 · €588
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€187k€186k▼
Fixed assets21/28€1k€1k▼
Tangible fixed assets22/27€1k€1k▼
Plant, machinery and equipment23€1k€1k▼
Current assets29/58€186k€185k▼
Stocks and contracts in progress3€177k€174k▼
Stocks30/36€177k€174k▼
Amounts receivable within one year40/41€118-
Other amounts receivable41€118-
Cash at bank and in hand54/58€9k€11k▲
Deferred charges and accrued income490/1€50-
Equity and liabilities
Total equity and liabilities10/49€187k€186k▼
Equity10/15€35k€34k▼
Contributions10/11€6k€6k=
Reserves13€29k€28k▼
Distributable reserves133€29k€28k▼
Amounts payable17/49€152k€152k▲
Amounts payable within one year42/48€152k€152k▲
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€970€2k▲
Taxes450/3€970€2k▲
Other amounts payable47/48€149k€148k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€88€88=
Other operating charges640/8€449€612▲
Gross operating margin9900€4k€-534▼
Operating profit (loss)9901€4k€-1k▼
Financial income75/76B€483€666▲
Recurring financial income75€483€666▲
Financial charges65/66B€44€43▼
Recurring financial charges65€44€43▼
Profit (loss) for the period before taxes9903€4k€-611▼
Income taxes67/77€588€379▼
Profit (loss) for the period9904€4k€-990▼
Profit (loss) for the period to be appropriated9905€4k€-990▼
Appropriation of the result
Profit (loss) to be appropriated9906€4k€-990▼
Transfer from equity791/2-€990
Transfer to equity691/2€4k-
To other reserves6921€4k-
The notes to these accounts (7 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Back to profitnet €9k
Net result €9k after 2 loss-making years.
21-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 52 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
17-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are 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, Herk-de-Stad · 1 establishment unit since 2001
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.
Kerkstraat 693540 Herk-de-StadGround area
4,878 m²
Building footprint
235 m²
Volume, LiDAR
1,332 m³
Parcel 71051B0447/00L000, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LINGERIE REENA & REEFA RELAX
since 20012.116.253.552
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71051B0447/00L000 | Flanders | 4,878 m² | 1 · 235 m² | 9.6 m · 2 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.
Similar companies · same sector, comparable size
MeB Invest
BE 0844.480.218
Anzegem · Eq €34k
STEEGMANS PETRA
BE 0457.936.307
Heusden-Zolder · Eq €36k
HUIS JEANNE
BE 0838.015.167
Ninove · Eq €37k
FUR-ORE
BE 0754.994.550
Dilbeek · Eq €37k
Dag & Nacht
BE 1003.429.564
Langemark-Poelkapelle · Eq €37k
Of 519 companies in sector 47714 we hold annual accounts for 263. 209 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-12-2000
Fiscal year end31-12
Activities, NACEBEL
47714Retail trade
52425
93040
96040Personal service activities
96230Day spas, saunas and steam baths
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.