F.B. FINANCES
ActiveF.B. FINANCES 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 €1.15M and a net result of €327k. Equity is growing by ~11.5% per year across the filed fiscal years. Its solvency ranks better than 81% of 486 sector peers (fiscal year 2025). The company has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 07-04-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
36 d early
2023
19 d early
2022
33 d early
2021
59 d early
2020
3 d late
2019
43 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
15-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€1.15M▼ 15.9%
2024 · €1.37M
2018: €1.06M
2019: €429k
2020: €702k
2021: €624k
2022: €558k
2023: €921k
2024: €1.37M
2018 → 2025
Net result
€327k▼ 26.8%
2024 · €446k
2018: €152k
2019: €-298k
2020: €273k
2021: €255k
2022: €299k
2023: €363k
2024: €446k
2018 → 2025
Total assets
€1.53M▼ 16.4%
2024 · €1.83M
2018: €1.30M
2019: €890k
2020: €880k
2021: €1.14M
2022: €1.07M
2023: €1.34M
2024: €1.83M
2018 → 2025
Solvency
75.3%▲ 0.5pp
2024 · 74.8%
2018: 81.7%
2019: 48.3%
2020: 79.8%
2021: 54.6%
2022: 52.3%
2023: 68.7%
2024: 74.8%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€624k-€558k▼ 10.6%€921k▲ 65.1%€1.37M▲ 48.4%€1.15M▼ 15.9%
Operating result€335k-€428k▲ 27.7%€523k▲ 22.2%€622k▲ 18.9%€558k▼ 10.3%
Net result€255k-€299k▲ 17.4%€363k▲ 21.4%€446k▲ 22.7%€327k▼ 26.8%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 10% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.53M
Fixed assets
€206k▼ 8.2%
Current assets
€1.32M▼ 17.6%
Equity and liabilities €1.53M
Equity
€1.15M▼ 15.9%
Debt
€378k▼ 18.0%
The debt ratio falls from 25.2% to 24.7%: debt falls faster than equity shrinks.
Key figures and ratios
Solvency
75.3%▲
2024 · 74.8%
ROE
28.4%▼
2024 · 32.6%
ROA
21.4%▼
2024 · 24.4%
Debt
€378k▼
2024 · €461k
Debt ≤ 1 year
€303k▼
2024 · €343k
Debt > 1 year
€74k▼
2024 · €117k
Income taxes
€161k▼
2024 · €214k
Staff costs
€361k▲
2024 · €296k
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€1.83M€1.53M▼
Fixed assets21/28€224k€206k▼
Tangible fixed assets22/27€224k€206k▼
Plant, machinery and equipment23€34k€27k▼
Furniture and vehicles24€188k€177k▼
Other tangible fixed assets26€2k€1k▼
Financial fixed assets28€177€177=
Current assets29/58€1.60M€1.32M▼
Amounts receivable after more than one year29€1.27M€998k▼
Other amounts receivable291€1.27M€998k▼
Amounts receivable within one year40/41€181k€176k▼
Trade receivables40€134k€129k▼
Other amounts receivable41€47k€47k=
Current investments50/53€14k€14k=
Cash at bank and in hand54/58€135k€129k▼
Deferred charges and accrued income490/1€5k€5k▼
Equity and liabilities
Total equity and liabilities10/49€1.83M€1.53M▼
Equity10/15€1.37M€1.15M▼
Contributions10/11€12k€12k=
Reserves13€1.35M€1.14M▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€1.35M€1.14M▼
Amounts payable17/49€461k€378k▼
Amounts payable after more than one year17€117k€74k▼
Financial debts170/4€117k€74k▼
Amounts payable within one year42/48€343k€303k▼
Current portion of amounts payable after more than one year42€75k€70k▼
Financial debts43€87k€104k▲
Credit institutions430/8€87k€104k▲
Trade debts44€24k€57k▲
Suppliers440/4€24k€57k▲
Taxes, remuneration and social security45€158k€72k▼
Taxes450/3€94k€9k▼
Remuneration and social security454/9€64k€63k▼
Accrued charges and deferred income492/3-€53
Income statement
Code20242025
Remuneration, social security and pensions62€296k€361k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€75k€83k▲
Other operating charges640/8€14k€18k▲
Gross operating margin9900€1.01M€1.02M▲
Operating profit (loss)9901€622k€558k▼
Financial income75/76B€47k€27k▼
Recurring financial income75€47k€27k▼
Financial charges65/66B€9k€98k▲
Recurring financial charges65€9k€98k▲
Profit (loss) for the period before taxes9903€660k€487k▼
Income taxes67/77€214k€161k▼
Profit (loss) for the period9904€446k€327k▼
Profit (loss) for the period to be appropriated9905€446k€327k▼
Appropriation of the result
Profit (loss) to be appropriated9906€446k€327k▼
Transfer from equity791/2-€544k
Transfer to equity691/2€446k€327k▼
To other reserves6921€446k€327k▼
Profit to be distributed694/7-€544k
Return on contributions (dividend)694-€544k
Social balance
Average headcount (FTE)90874.44.9▲
The notes to these accounts (9 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
07-04
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
25-03
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
30-09
Financial
Highest result since 2018net €446k ▲22.7%
Operating result €622k, net result €446k, both a record.
30-09
Financial
Equity above €1MEq €1.37M ▲48.4%
5 profitable years in a row build equity to €1.37M.
11-04
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
28-03
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
02-03
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
03-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 3 days late
2020
30-09
Financial
Back to profitnet €273k
Net result €273k after one loss-making year.
30-09
Financial
Liquidity quadruplescurrent ratio 6.64
Current ratio from 1.75 to 6.64; short-term debt falls from €432k to €108k.
30-09
Financial
Equity above €500kEq €702k ▲63.6%
Equity rises from €429k to €702k.
18-03
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
30-09
Financial
Weakest financial yearnet €-298k ▼297%
Net result drops to €-298k, the lowest in the series; recovery starts the following year.
28-03
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
28-03
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
24-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Sint-Jans-Molenbeek · 2 establishment units since 2003
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.
Gentsesteenweg 3871080 Sint-Jans-MolenbeekGround area
397 m²
Building footprint
250 m²
Volume, LiDAR
2,535 m³
2 parcels, Brussels · tallest building 17.9 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
F.B. FINANCES
since 20032.133.430.965
Eugène Keymplein 14, 1170 Watermaal-Bosvoorde
since 20102.207.516.694
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21526D0117/02F003 | Brussels | 214 m² | 1 · 190 m² | 17.9 m · 4 fl. |
| 21017D0164/00Y006 | Brussels | 182 m² | 1 · 60 m² | 13.2 m · 4 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.
Recognitions · licences · registrations
Legal Entity Identifier
9845006F940785A45D23
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Of 1,678 companies in sector 66191 we hold annual accounts for 1,227. 829 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-07-2003
Fiscal year end30-09
Activities, NACEBEL
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.