Alto Fageto
ActiveAlto Fageto is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (€-233k) and a net result of €-254k. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 5% of 1463 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 1463 sector peers (2025).
NBB · sector comparisonPosition among 1463 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
2 d early
2024
2 d early
2023
7 d early
2022
on the day
2021
5 d early
2020
4 d early
2019
11 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€-233k
2024 · €21k
2019: €19k
2021: €20k
2022: €20k
2023: €21k
2024: €21k
2019 → 2025
Net result
€-254k
2024 · €253k
2019: €100k
2021: €472k
2022: €519k
2023: €168k
2024: €253k
2019 → 2025
Total assets
€277k▼ 49.6%
2024 · €551k
2019: €379k
2021: €638k
2022: €632k
2023: €366k
2024: €551k
2019 → 2025
Solvency
-83.8%▼ 87.7pp
2024 · 3.9%
2019: 5.0%
2021: 3.2%
2022: 3.2%
2023: 5.7%
2024: 3.9%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€20k-€20k▲ 0.9%€21k▲ 2.2%€21k▲ 2.7%€-233k
Operating result€491k-€545k▲ 11.0%€198k▼ 63.7%€288k▲ 45.5%€-240k
Net result€472k-€519k▲ 10.0%€168k▼ 67.7%€253k▲ 51.2%€-254k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €240k after €288k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €277k
Fixed assets
€92k▼ 21.4%
Current assets
€185k▼ 57.3%
Key figures and ratios
Solvency
-83.8%▼
2024 · 3.9%
ROA
-91.5%▼
2024 · 46.0%
Debt
€510k▼
2024 · €530k
Debt ≤ 1 year
€443k▲
2024 · €437k
Debt > 1 year
€68k▼
2024 · €91k
Income taxes
€1k▼
2024 · €23k
Staff costs
€724k▲
2024 · €563k
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€551k€277k▼
Fixed assets21/28€117k€92k▼
Tangible fixed assets22/27€117k€92k▼
Plant, machinery and equipment23€2k€939▼
Furniture and vehicles24€114k€89k▼
Other tangible fixed assets26€2k€2k=
Current assets29/58€433k€185k▼
Amounts receivable within one year40/41-€2k
Trade receivables40-€528
Other amounts receivable41-€1k
Cash at bank and in hand54/58€284k€29k▼
Deferred charges and accrued income490/1€150k€155k▲
Equity and liabilities
Total equity and liabilities10/49€551k€277k▼
Equity10/15€21k€-233k▼
Contributions10/11€19k€19k=
Reserves13€3k€3k=
Non-distributable reserves130/1€389€389=
Reserves not available under the articles1311€389€389=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14-€-254k
Amounts payable17/49€530k€510k▼
Amounts payable after more than one year17€91k€68k▼
Financial debts170/4€91k€68k▼
Amounts payable within one year42/48€437k€443k▲
Current portion of amounts payable after more than one year42€37k€320k▲
Trade debts44€85k€52k▼
Suppliers440/4€85k€52k▼
Taxes, remuneration and social security45€83k€70k▼
Taxes450/3€3k-
Remuneration and social security454/9€79k€70k▼
Other amounts payable47/48€232k-
Accrued charges and deferred income492/3€1k-
Income statement
Code20242025
Remuneration, social security and pensions62€563k€724k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€25k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€862k€511k▼
Operating profit (loss)9901€288k€-240k▼
Financial income75/76B€488€2k▲
Recurring financial income75€488€2k▲
Financial charges65/66B€12k€15k▲
Recurring financial charges65€12k€15k▲
Profit (loss) for the period before taxes9903€277k€-253k▼
Income taxes67/77€23k€1k▼
Profit (loss) for the period9904€253k€-254k▼
Profit (loss) for the period to be appropriated9905€253k€-254k▼
Appropriation of the result
Profit (loss) to be appropriated9906€253k€-254k▼
Transfer to equity691/2€552-
To other reserves6921€552-
Profit to be distributed694/7€253k-
Directors or managers695€232k-
Employees696€21k-
Social balance
Average headcount (FTE)90879.09.2▲
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
24-03
State Gazette act
Registered officeGeneral meeting · Registered-office move · Permanent representative3 facts ▸
State Gazette act
Registered office
General meeting · Registered-office move · Permanent representative3 facts ▸
- General meeting, 22/01/2026
- Registered-office move, Hofdreef 1, 2970 's Gravenwezel
- Permanent representative, Benjamin Heirbaut
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Weakest financial yearnet €-254k ▼200%
Net result drops to €-254k, the lowest in the series.
29-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
24-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
Financial
Highest result since 2019net €519k ▲10%
Operating result €545k, net result €519k, both a record.
26-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
27-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
11-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 11 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
12-03-2025
LaSuperba: Resigned as Director
12-03-2025
MABECO: Resigned as Director
12-03-2025
TOPCATH: Resigned as Director
12-03-2025
VIERHOEK CONSULTING: Resigned as Director
Location & real-estate footprint
Registered office, Schilde · 2 establishment units since 2018
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.
Hofdreef 12970 SchildeGround area
922 m²
Building footprint
903 m²
Volume, LiDAR
7,643 m³
2 parcels, Flanders · tallest building 22.9 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
Alto Fageto
since 20182.276.601.084
Alto Fageto
since 20222.337.446.414
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11382C0066/00Y008 | Flanders | 503 m² | 1 · 503 m² | 16.1 m · 4 fl. |
| 11041C0241/00E002 | Flanders | 419 m² | 1 · 400 m² | 22.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 1,941 EUR awarded · 1,941 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,021 EUR | 1,021 EUR |
| 2024 | 1 | 920 EUR | 920 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 1,681 companies in sector 66191 we hold annual accounts for 1,229. 574 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-05-2018
Fiscal year end30-06
Activities, NACEBEL
66191Agents and brokers in banking services
64200Holdings
64210Activities of holding companies
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.