FANOLAM

Active

Private limited companyfounded 200917 yrs activeRue Bertaux(LEE) 46, 6142 Fontaine-l'Evêque, BelgiumKBO/BCE: BE 0810.245.255

FANOLAM has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €103k and a net result of €2k. Its solvency ranks better than 46% of 4828 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).

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Checked score

Score 2024

89 / 100

Excellent▲ +8 vs 2023

The score combines four axes.Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability11▲+3

Solvency98=

Growth78

Stability100

Bankruptcy probability, 12 months

0.1% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €9k at 30 days acceptable

Liquidity ample (current ratio 3.92 against 4.49 in 2023), and 42.5% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

5 signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 69

Relative position

BE, all sectors

reference

Sector 69

lower

← fewer bankruptcies more bankruptcies →

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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 filings

Deviation from the deadline

2025

not confirmed

2024

29 d late

2023

30 d late

2022

31 d late

2021

23 d late

2020

31 d late

2019

28 d late

← before the deadline after the deadline →

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

Financials · fiscal year 2024, micro schema

Equity

€103k▲ 2.2%

2023 · €101k

2023: €101k

2023 → 2024

Total assets

€179k▲ 1.9%

2023 · €175k

2023: €175k

2023 → 2024

Net result

€2k▲ 33.5%

2023 · €2k

2023: €2k

2023 → 2024

Working capital

€133k▼ 1.9%

2023 · €135k

2023: €135k

2023 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20232024Trend

Equity€101k-€103k▲ 2.2%

Operating result€12k-€12k▲ 3.0%

Net result€2k-€2k▲ 33.5%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result rises in 2024; 2024 is 3% above 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €179k

99.8%

Fixed assets €436▼ 63.0%

Current assets €178k▲ 2.4%

Equity and liabilities €179k

57.5%

42.5%

Equity €103k▲ 2.2%

Debt €76k▲ 1.6%

The debt ratio falls from 42.6% to 42.5%: equity grows faster than debt.

Key figures and ratios

2024 value · change against 2023

EBITDA

€13k▲

2023 · €12k

Cash flow

€3k▲

2023 · €2k

Solvency

57.5%▲

2023 · 57.4%

Current ratio

3.92▼

2023 · 4.49

Quick ratio

3.92▼

2023 · 4.49

Debt / equity

0.74▼

2023 · 0.74

ROE

2.1%▲

2023 · 1.6%

ROA

1.2%▲

2023 · 0.9%

Interest coverage

1.54▼

2023 · 1.57

Debt

€76k▲

2023 · €75k

Debt ≤ 1 year

€45k▲

2023 · €39k

Debt > 1 year

€30k▼

2023 · €36k

Income taxes

€2k▼

2023 · €3k

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 · 2024

Balance sheet Code2024

Total assets 20/58€179k

Fixed assets 21/28€436

Tangible fixed assets 22/27€436

Current assets 29/58€178k

Amounts receivable within one year 40/41€690

Cash & bank 54/58€786

Total equity & liabilities 10/49€179k

Equity 10/15€103k

Contributions / capital 10/11€19k

Reserves 13€2k

Accumulated profits (losses) 14€82k

Amounts payable 17/49€76k

Amounts payable after one year 17€30k

Amounts payable within one year 42/48€45k

Trade debts payable within one year 44€6k

Income statement Code2024

Gross operating margin 9900€17k

Operating result 9901€12k

Financial income 75€52

Financial charges 65€8k

Result before taxes 9903€4k

Income taxes 67/77€2k

Net result for the period 9904€2k

Result to be appropriated 9905€2k

This is the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →

Timeline · acts, filings and financial milestones

All 12Gazette 2Filings 10

2025

29-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 29 days late

06-08

State Gazette act Registered-office change

2024

30-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 30 days late

2023

20-12

State Gazette act Director changes

Muriel DE ROOSE

31-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 31 days late

2022

23-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 23 days late

2021

31-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 31 days late

2020

28-08

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 28 days late

2019

29-08

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 29 days late

2018

31-08

NBB filing Annual accounts filed

fiscal year 2017 · micro schema · 31 days late

2017

31-08

NBB filing Annual accounts filed

fiscal year 2016 · micro schema · 31 days late

2016

31-08

NBB filing Annual accounts filed

fiscal year 2015 · full schema · 31 days late

State Gazette actNBB filing

2 of 4 acts read

About the unread acts

Of the 4 Belgian State Gazette acts we know for this company, 2 have been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.

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