Summary
BUREAU FILLÉE D’HERBAIS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €55k and a net result of €323. Equity is growing by ~18.7% per year across the filed fiscal years. Its solvency ranks better than 84% of 2435 sector peers (fiscal year 2025). The company has been active since 2006 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
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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
26 d late
2024
29 d late
2023
26 d late
2022
24 d late
2021
24 d late
2020
27 d late
2019
26 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€55k▲ 0.6%
2024 · €54k
2018: €-15k
2019: €21k
2020: €21k
2021: €33k
2022: €40k
2023: €41k
2024: €54k
2018 → 2025
Net result
€323▼ 97.5%
2024 · €13k
2018: €-22k
2019: €24k
2020: €35k
2021: €62k
2022: €35k
2023: €23k
2024: €13k
2018 → 2025
Total assets
€63k▼ 8.5%
2024 · €69k
2018: €123k
2019: €106k
2020: €110k
2021: €116k
2022: €89k
2023: €78k
2024: €69k
2018 → 2025
Solvency
86.4%▲ 7.8pp
2024 · 78.6%
2018: -12.1%
2019: 20.2%
2020: 19.0%
2021: 28.4%
2022: 44.6%
2023: 52.9%
2024: 78.6%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€298k-€277k▼ 7.0%€255k▼ 8.0%€233k▼ 8.8%
Equity€33k-€40k▲ 20.2%€41k▲ 4.6%€54k▲ 30.7%€55k▲ 0.6%
Operating result€90k-€48k▼ 47.3%€35k▼ 26.8%€22k▼ 37.5%€5k▼ 77.6%
Net result€62k-€35k▼ 43.2%€23k▼ 34.0%€13k▼ 45.2%€323▼ 97.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 78% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €63k
Fixed assets
€37k ▼ 15.3%
Current assets
€26k ▲ 3.6%
Equity and liabilities €63k
Equity
€55k ▲ 0.6%
Debt
€9k ▼ 41.7%
Debt's share of the balance-sheet total falls from 21.4% to 13.6%. Equity is higher and debt is lower.
Key figures and ratios
ROE
0.6%▼
2024 · 23.5%
ROA
0.5%▼
2024 · 18.5%
Debt ≤ 1 year
€9k▼
2024 · €15k
Income taxes
€4k▼
2024 · €9k
Staff costs
€24k▼
2024 · €26k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€69k€63k▼
Fixed assets21/28€44k€37k▼
Tangible fixed assets22/27€44k€37k▼
Furniture and vehicles24€15k€12k▼
Other tangible fixed assets26€29k€26k▼
Financial fixed assets28€30€30=
Current assets29/58€25k€26k▲
Amounts receivable within one year40/41€19k€15k▼
Trade receivables40€17k€13k▼
Other amounts receivable41€1k€3k▲
Cash at bank and in hand54/58€4k€8k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€69k€63k▼
Equity10/15€54k€55k▲
Contributions10/11€20k€20k=
Reserves13€12k€12k=
Tax-exempt reserves132€112€112=
Distributable reserves133€12k€12k=
Profit (loss) carried forward14€22k€22k▲
Amounts payable17/49€15k€9k▼
Amounts payable within one year42/48€15k€9k▼
Trade debts44€7k€7k▼
Suppliers440/4€7k€7k▼
Taxes, remuneration and social security45€7k€2k▼
Taxes450/3€4k€2k▼
Remuneration and social security454/9€3k€246▼
Other amounts payable47/48€214-
Income statement
Code20242025
Turnover70€233k-
Goods, raw materials, services and sundry goods60/61€171k-
Remuneration, social security and pensions62€26k€24k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k▼
Other operating charges640/8€1k€1k▲
Non-recurring operating charges66A€3k€262▼
Gross operating margin9900€64k€41k▼
Operating profit (loss)9901€22k€5k▼
Financial income75/76B-€20
Recurring financial income75-€20
Financial charges65/66B€328€455▲
Recurring financial charges65€328€455▲
Profit (loss) for the period before taxes9903€21k€4k▼
Income taxes67/77€9k€4k▼
Profit (loss) for the period9904€13k€323▼
Transfer to tax-exempt reserves689€110-
Profit (loss) for the period to be appropriated9905€13k€323▼
Appropriation of the result
Profit (loss) to be appropriated9906€34k€22k▼
Profit (loss) brought forward from the previous period14P€21k€22k▲
Transfer to equity691/2€12k-
To other reserves6921€12k-
The notes to these accounts (8 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Liquidity doublescurrent ratio 1.69
Current ratio from 0.70 to 1.69; short-term debt falls from €37k to €15k.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
31-12
Financial
Highest result since 2018net €62k ▲76%
Operating result €90k, net result €62k, both a record.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
2019
31-12
Financial
Back to profitnet €24k
Net result €24k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
11-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 11 days late
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Waterloo · 2 establishment units since 2006
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.
Avenue de la Roseraie 191410 WaterlooGround area
921 m²
Building footprint
288 m²
Volume, LiDAR
1,013 m³
3 parcels, Wallonia · tallest building 13.5 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
IMMOTHEKER-FILLEE
since 20062.154.996.441
IMMOTHEKER-FILLEE
since 20102.193.963.024
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25764N0833/00C007 | Wallonia | 783 m² | 1 · 167 m² | - |
| 25763K0695/00_000 | Wallonia | 86 m² | 1 · 93 m² | 9.6 m · 3 fl. |
| 25112M0823/00L000 | Wallonia | 52 m² | 1 · 28 m² | 13.5 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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NB CONSULT
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Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,360 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-06-2006
Fiscal year end31-12
Abbreviation FR
BFH
Activities, NACEBEL 2025
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:02/3518636