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DeFacto

Active
Private limited companyfounded 20241 yr activeMechelsesteenweg 64/8, 2640 Mortsel, BelgiumKBO/BCE: BE 1017.896.125
Summary

DeFacto has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €43,037 and a net result of €59,037. Its solvency ranks better than 49% of 7081 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).

Checked score

Score 2025
Axes
Profitability100
Solvency78
Growth-
Track record67
Bankruptcy probability, 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,000 at 30 days acceptable
Liquidity ample (current ratio 2.11; short-term debt: 47.5% and cash: 8.4% of total assets), and 47.5% of the assets are financed with debt.
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Signals

Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
52.5%
Return on assets
72%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-07-2026, 28 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
28 d early
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · 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

History

On 24 December 2024, DeFacto was incorporated as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€43,037
Total assets
€81,948
Net result
€59,037
Working capital
€43,037

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

Balance-sheet composition
Equity and liabilities €81,948
Equity €43,037
Debt €38,911
Debt finances 47.5% of the balance-sheet total.
Key figures and ratios
2025 value
Current ratio
2.11
Debt to equity
0.90
ROE
137.2%
ROA
72.0%
Debt ≤ 1 year
€38,911
Income taxes
€9,985

Peer companies

Historical observation

Of the 11,279 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 97% are still going.

  • Micro
  • under 2 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
0.7% went bankrupt
2.6% stopped otherwise
97% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.8% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 11,279 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 33 lines
Balance sheet Code2025
Assets
Total assets20/58€81,948
Current assets29/58€81,948
Amounts receivable within one year40/41€72,873
Trade receivables40€72,873
Cash at bank and in hand54/58€6,880
Deferred charges and accrued income490/1€2,194
Equity and liabilities
Total equity and liabilities10/49€81,948
Equity10/15€43,037
Contributions10/11€4,000
Reserves13€39,037
Distributable reserves133€39,037
Profit (loss) carried forward14€0
Amounts payable17/49€38,911
Amounts payable within one year42/48€38,911
Trade debts44€3,622
Suppliers440/4€3,622
Taxes, remuneration and social security45€15,289
Taxes450/3€15,289
Other amounts payable47/48€20,000
Income statement Code2025
Other operating charges640/8€1,116
Gross operating margin9900€70,188
Operating profit (loss)9901€69,072
Financial charges65/66B€50
Recurring financial charges65€50
Profit (loss) for the period before taxes9903€69,022
Income taxes67/77€9,985
Profit (loss) for the period9904€59,037
Profit (loss) for the period to be appropriated9905€59,037
Appropriation of the result
Profit (loss) to be appropriated9906€59,037
Transfer to equity691/2€39,037
To other reserves6921€39,037
Profit to be distributed694/7€20,000
Directors or managers695€20,000

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Other operating charges640/8€1,116
Gross operating margin9900€70,188
Operating profit (loss)9901€69,072
Financial charges65/66B€50
Recurring financial charges65€50
Profit (loss) for the period before taxes9903€69,022
Income taxes67/77€9,985
Profit (loss) for the period9904€59,037
Profit (loss) for the period to be appropriated9905€59,037
Line2025
Assets
Total assets20/58€81,948
Current assets29/58€81,948
Amounts receivable within one year40/41€72,873
Trade receivables40€72,873
Cash at bank and in hand54/58€6,880
Deferred charges and accrued income490/1€2,194
Equity and liabilities
Total equity and liabilities10/49€81,948
Equity10/15€43,037
Contributions10/11€4,000
Reserves13€39,037
Distributable reserves133€39,037
Profit (loss) carried forward14€0
Amounts payable17/49€38,911
Amounts payable within one year42/48€38,911
Trade debts44€3,622
Suppliers440/4€3,622
Taxes, remuneration and social security45€15,289
Taxes450/3€15,289
Other amounts payable47/48€20,000
Line2025
Profit (loss) for the period9904€59,037
Operating cash flow (approximation)€59,037

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
03-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
1 act for this company is 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, Mortsel · 1 establishment unit since 2024
seat establishment The establishment unit on the map
Ground area
809 m²
Building footprint
162 m²
Volume, LiDAR
2,206 m³
Parcel 11513C0120/00N007, Flanders · tallest building 16.0 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
DeFacto
Mechelsesteenweg 64/8, 2640 MortselFinancial service activities, except insurance and pension funding
since 20242.369.176.597
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11513C0120/00N007 Flanders 809 m² 1 · 162 m² 16.0 m · 5 fl.
Linked by address, not proof of ownership
Good to know
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

Of 9,864 companies in sector 73110 we hold annual accounts for 3,752. 2,969 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded24-12-2024
Fiscal year end31-12
Activities, NACEBEL 2025
73110Advertising agencies
E-invoicing
Reachable via Peppol
Peppol ID 0208:1017896125
Also 9925:BE1017896125
Registered 23-09-2025

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.