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Complete company report
Generated 10-08-2026
Active BE 0432.414.221Public limited company

FABIOLA

Gen. Notermanlaan(Odk) 22 ·8670 Koksijde, Belgium· 38 yrs active
Sector: Real estate activities (68121)
Conclusion Checked

The computed 12-month bankruptcy probability of FABIOLA is 0.1% (very low). The 2025 annual accounts show equity of €18.06M and a net result of €401k. Equity is growing by ~9.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 528 sector peers (fiscal year 2025). The company has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 8 annual accounts.
Key figures
Equity €18.06M
Net result €401k
Better than sector 95%
Active 38 yrs
Snowflake analysis 5 of 5 axes measured · computed by Checked
Health78Profitability11Solvency100Growth78Stability100
73 / 100

Strong profile, led by solvency.

All 5 axes are computed from data Checked has read.

Health 78
Profitability 11
Solvency 100
Growth 78
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
0.1% Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Long track record −Annual accounts: healthy financial profile −

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

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Long-established
Founded in 1987, 38 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags 0 events
No administrative flags
Health barometer FY 2025 · computed
78 / 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.

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 26-01-2026 with the NBB · fiscal year 2025 · verkort
€-500k€0€500k€1.00M€1.50MOperating result 2021: €-82k€-82kNet result 2021: €120k€120kOperating result 2022: €664k€664kNet result 2022: €930k€930kOperating result 2023: €490k€490kNet result 2023: €1.05M€1.05MOperating result 2024: €749k€749kNet result 2024: €1.72M€1.72MOperating result 2025: €328k€328kNet result 2025: €401k€401k20212022202320242025
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~9.1%/year over 8 fiscal years, indicative, assuming unchanged policy.
€0€10.00M€20.00M2026: €20.00M (€18.55M - €21.44M)2027: €21.31M (€19.67M - €22.94M)2028: €22.61M (€20.37M - €24.86M)2018: €2.23M2019: €2.02M2020: €13.84M2021: €13.96M2022: €14.89M2023: €15.94M2024: €17.66M2025: €18.06M20182019202020212022202320242025202620272028
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2025 · NACE 68, Real estate activities · compared within the same schema type (abbreviated schema)
Metric This company Sector median Position in the sector
Solvency 97.8% 16.2%
better than 95% of 528 sector peers
Net result €401k €6k
better than 92% of 528 sector peers
Equity €18.06M €152k
better than 95% of 528 sector peers
Gross operating margin €329k €78k
better than 76% of 527 sector peers
Employees (FTE) 0.0 0.0
better than 32% of 167 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Revenue
€0
- 18-25
EBITDA
€-446k
- 18-25
Net profit
€401k
-76.7% 18-25
Cash flow
€-525k
- 18-25
Total assets
€18.46M
+2.3% 18-25
Equity
€18.06M
+2.3% 18-25
Working capital
€3.42M
+23.9% 18-25
Employees (FTE)
0
- 18-25
Income taxes
€126k
+92.4% 18-25
Dividends
€0
- 18-25
Debt
€402k
+1.4% 18-25
Debt ≤ 1y
€379k
0.0% 18-25
Debt > 1y
€0
-100.0% 18-25
Current ratio
10.01
+21.1% 18-25
Quick ratio
9.87
+52.0% 18-25
Solvency
97.8%
0.0% 18-25
Debt / equity
0.02
-0.9% 18-25
ROE
2.2%
-77.2% 18-25
ROA
2.2%
-77.2% 18-25
Figures by fiscal year
Fiscal year2025
Depositverkort
Revenue-
EBITDA-
Net profit€401k
Cash flow-
Staff costs-
Income taxes€126k
Dividends-
Total assets€18.46M
Equity€18.06M
Debt€402k
of which ≤ 1y€379k
of which > 1y-
Working capital€3.42M
Employees (FTE)0.0
Ratios (computed)
2025
Current ratio10.01
Quick ratio9.87
Working capital ratio18.5%
Solvency97.8%
Debt / equity0.02
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA2.2%
ROE2.2%
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€18.46M
Fixed assets 21/28€14.67M
Financial fixed assets 28€14.67M
Current assets 29/58€3.80M
Stocks & contracts in progress 3€56k
Amounts receivable within one year 40/41€694k
Investments 50/53€2.50M
Cash & bank 54/58€52k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€18.46M
Equity 10/15€18.06M
Contributions / capital 10/11€10.26M
Reserves 13€7.80M
Amounts payable 17/49€402k
Amounts payable within one year 42/48€379k
Trade debts payable within one year 44€0
Income statement
Gross operating margin 9900€329k
Operating result 9901€328k
Financial income 75€225k
Financial charges 65€23k
Result before taxes 9903€528k
Income taxes 67/77€126k
Net result for the period 9904€401k
Result to be appropriated 9905€401k
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 2 directors
Current directors & mandates
  • BV LALOBA INVESTINGLegal entity
    Director
    State Gazette act 23138220 (30-10-2023)
    Current
    07-04-2023 → present
Former directors (1)
  • Rosalie Declercq
    Director
    State Gazette act 23138220 (30-10-2023)
    Former
    - → 19-01-2023
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary Real estate activities(68121)
Legal form Public limited company(014)
Incorporation01-10-1987
StatusActive
Postal code8670
Establishment units 1 location
FABIOLA
Gen. Notermanlaan(Odk) 22, 8670 Koksijdeprojectontwikkeling voor de nieuwbouw van individuele woningen of voor renovatiewerken
since 19872.031.315.897
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

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.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
38018A1070/00A000 Flanders 1,792 m² 1 · 212 m² 10.2 m · 2 fl.
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.
Updates 12 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
26-01-2026
NBB filing Annual accounts filed
fiscal year 2025 · verkort
2025
25-04-2025
State Gazette act Director changes
03-04-2025
NBB filing Annual accounts filed
fiscal year 2024 · verkort
2024
08-03-2024
NBB filing Annual accounts filed
fiscal year 2023 · verkort
2023
30-10-2023
State Gazette act Director changes
28-03-2023
NBB filing Annual accounts filed
fiscal year 2022 · verkort
2022
07-03-2022
NBB filing Annual accounts filed
fiscal year 2021 · verkort
2021
29-01-2021
NBB filing Annual accounts filed
fiscal year 2020 · verkort
2020
29-05-2020
NBB filing Annual accounts filed
fiscal year 2019 · verkort
2019
25-02-2019
NBB filing Annual accounts filed
fiscal year 2018 · verkort
2018
28-03-2018
NBB filing Annual accounts filed
fiscal year 2017 · verkort
2017
12-06-2017
NBB filing Annual accounts filed
fiscal year 2016 · verkort
Belgisch Staatsblad, acts 2 acts
All acts · 2 updated 1 year ago
2025
25-04-2025 5 reappointed Director changes
  • NV Debofin, Bestuurder
  • BV Laloba Investing, Bestuurder
  • Rita De Ryck, Bestuurder
  • Evelien Declercq, Bestuurder
  • Guido Declercq, Bestuurder
Technical details 
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      "statutory": "statutair",
      "compensated": null,
      "effective_date": "2025-03-25",
      "evidence_quote": "Uit de notulen van de gewone algemene vergadering gehouden op 25/03/2025, blijkt dat de vergadering beslist heeft om om met ingang van 25/03/2025, te herbenoemen als bestuurder voor een hernieuwbare termijn eindigend onmiddellijk na de gewone algemene vergadering te houden in 2030",
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        "name": "Rita De Ryck",
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      "effective_date": "2025-03-25",
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  "act_meta": {
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    "filing_date": "2025-04-17",
    "act_kind_objet": "Onderwerp akte:"
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  "decisions": [
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      "body": "algemene_vergadering",
      "date": "2025-03-25",
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2023
30-10-2023 1 director appointed, 1 resigning Director changes
  • BV LALOBA INVESTING, Bestuurder
  • Rosalie Declercq, Bestuurder
Technical details 
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      "evidence_quote": "de NV NATIONAAL BAANWINKELFONDS, voorheen met zetel te 8670 Koksijde, Gen. Notermanlaan 22 en voorheen ingeschreven in het rechtspersonenregister onder het nummer 0458.561.065, ingevolge fusie door overneming door de NV DEBOFIN op 19 januari 2023 van rechtswege opgehouden heeft te bestaan. Op 19 jan",
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}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Ontwikkeling van residentiële bouwprojecten41101Ontwikkeling van residentiële bouwprojecten68121Projectontwikkeling voor woningbouw70111
Primary activity highlighted.
Names & trade names
Legal nameNL FABIOLA
Registered office
Gen. Notermanlaan(Odk) 22
8670 Koksijde, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative