F 13
ActiveF 13 has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €54k and a net result of €21k. Equity is shrinking by ~5.2% per year across the filed fiscal years. Its solvency ranks better than 17% of 31523 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency7▲+3
Growth58=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity short (current ratio 0.12 against 0.17 in 2024), and 90.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 31523 sector peers (2025).
NBB · sector comparisonPosition among 31523 sector peers
Solvency
better than 17%
← weakest
strongest →
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €54k
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 24-10-2025, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
27 d early
2023
4 d early
2022
3 d early
2021
25 d late
2020
9 d late
2019
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close14-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€54k▲ 63.9%
2024 · €33k
2019: €74k
2020: €70k
2021: €67k
2022: €70k
2023: €26k
2024: €33k
2019 → 2025
Total assets
€545k▲ 3.5%
2024 · €527k
2019: €237k
2020: €240k
2021: €229k
2022: €230k
2023: €560k
2024: €527k
2019 → 2025
Net result
€21k▲ 202%
2024 · €7k
2019: €-2k
2020: €-3k
2021: €3k
2022: €3k
2023: €-44k
2024: €7k
2019 → 2025
Working capital
€-152k▼ 24.5%
2024 · €-122k
2019: €7k
2020: €664
2021: €-5k
2022: €-648
2023: €-102k
2024: €-122k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€67k-€70k▲ 4.1%€26k▼ 62.9%€33k▲ 26.9%€54k▲ 63.9%
Operating result€15k-€16k▲ 4.0%€-26k€26k€43k▲ 67.3%
Net result€3k-€3k▼ 9.8%€-44k€7k€21k▲ 202%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 67% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €545k
Fixed assets
€525k▲ 4.6%
Current assets
€20k▼ 18.6%
Equity and liabilities €545k
Equity
€54k▲ 63.9%
Debt
€491k▼ 0.5%
The debt ratio falls from 93.8% to 90.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€62k▲
2024 · €43k
Cash flow
€40k▲
2024 · €25k
Solvency
9.9%▲
2024 · 6.2%
Current ratio
0.12▼
2024 · 0.17
Quick ratio
0.12▼
2024 · 0.17
Debt / equity
9.11▼
2024 · 15.01
ROE
39.0%▲
2024 · 21.2%
ROA
3.9%▲
2024 · 1.3%
Interest coverage
3.54▲
2024 · 2.42
Debt
€491k▼
2024 · €494k
Debt ≤ 1 year
€173k▲
2024 · €147k
Debt > 1 year
€315k▼
2024 · €344k
Income taxes
€4k▲
2024 · €897
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€527k€545k▲
Fixed assets21/28€502k€525k▲
Tangible fixed assets22/27€502k€525k▲
Land and buildings22€502k€525k▲
Current assets29/58€25k€20k▼
Amounts receivable within one year40/41€4k€1k▼
Trade receivables40€2k€470▼
Other amounts receivable41€1k€573▼
Cash at bank and in hand54/58€17k€14k▼
Deferred charges and accrued income490/1€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€527k€545k▲
Equity10/15€33k€54k▲
Contributions10/11€6k€6k=
Reserves13€27k€48k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€27k€48k▲
Amounts payable17/49€494k€491k▼
Amounts payable after more than one year17€344k€315k▼
Financial debts170/4€344k€315k▼
Amounts payable within one year42/48€147k€173k▲
Current portion of amounts payable after more than one year42€30k€30k▲
Financial debts43€5k€5k▲
Credit institutions430/8€5k€5k▲
Trade debts44€4k€5k▲
Suppliers440/4€4k€5k▲
Taxes, remuneration and social security45€3k€4k▲
Taxes450/3€248€2k▲
Remuneration and social security454/9€3k€3k=
Other amounts payable47/48€106k€128k▲
Accrued charges and deferred income492/3€2k€3k▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€19k▲
Other operating charges640/8€4k€4k▲
Gross operating margin9900€47k€66k▲
Operating profit (loss)9901€26k€43k▲
Financial income75/76B€74€13▼
Recurring financial income75€74€13▼
Financial charges65/66B€18k€17k▼
Recurring financial charges65€18k€17k▼
Profit (loss) for the period before taxes9903€8k€25k▲
Income taxes67/77€897€4k▲
Profit (loss) for the period9904€7k€21k▲
Profit (loss) for the period to be appropriated9905€7k€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€7k€21k▲
Transfer from equity791/2€0-
Transfer to equity691/2€7k€21k▲
To other reserves6921€7k€21k▲
The notes to these accounts (10 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
2025
24-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Highest result since 2019net €21k ▲202%
Operating result €43k, net result €21k, both a record.
2024
04-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
2023
27-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Weakest financial yearnet €-44k ▼1687%
Net result drops to €-44k, the lowest in the series; recovery starts the following year.
2022
28-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
25-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
31-03
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
2020
09-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 9 days late
2019
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
30-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
27-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
20-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2023
VERBEEMEN Rik
CurrentDirector · since 21-11-2023
21-11-2023
Appointed as Director
Location & real-estate footprint
Registered office, Lummen · 1 establishment unit since 2007
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.
Oostereindestraat 203560 LummenGround area
852 m²
Building footprint
201 m²
Volume, LiDAR
1,165 m³
Parcel 71542D1590/00N000, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
F13
since 20072.168.347.007
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71542D1590/00N000 | Flanders | 852 m² | 1 · 201 m² | 9.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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
Fabena
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AMALPHI
BE 0880.748.419
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HS-LIVE
BE 0828.846.489
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MF Consult
BE 0568.678.831
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ADUNG
BE 0502.410.609
Court-Saint-Etienne · Eq €54k
Of 82,218 companies in sector 70200 we hold annual accounts for 52,396. 38,346 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-12-2007
Fiscal year end31-03
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.