Summary
F. BAL 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 €269k and a net result of €-13k. Equity is growing by ~12% per year across the filed fiscal years. Its solvency ranks better than 86% of 8023 sector peers (fiscal year 2025). The company has been active since 2001 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 31-08-2026, 31 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
31 d late
2024
96 d late
2023
30 d late
2022
14 d early
2021
38 d early
2020
115 d late
2019
32 d early
← 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
€269k▼ 4.7%
2024 · €282k
2018: €141k
2019: €153k
2020: €171k
2021: €196k
2022: €235k
2023: €256k
2024: €282k
2018 → 2025
Net result
€-13k
2024 · €26k
2018: €-3k
2019: €12k
2020: €18k
2021: €25k
2022: €40k
2023: €21k
2024: €26k
2018 → 2025
Total assets
€304k▲ 0.8%
2024 · €301k
2018: €244k
2019: €265k
2020: €273k
2021: €281k
2022: €291k
2023: €283k
2024: €301k
2018 → 2025
Solvency
88.5%▼ 5.1pp
2024 · 93.7%
2018: 57.7%
2019: 57.9%
2020: 62.6%
2021: 69.7%
2022: 80.9%
2023: 90.5%
2024: 93.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€196k-€235k▲ 20.2%€256k▲ 8.8%€282k▲ 10.2%€269k▼ 4.7%
Operating result€25k-€41k▲ 59.6%€19k▼ 53.4%€22k▲ 17.4%€-13k
Net result€25k-€40k▲ 61.5%€21k▼ 47.4%€26k▲ 25.3%€-13k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €13k after €22k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €304k
Fixed assets
€105k ▲ 10.8%
Current assets
€199k ▼ 3.7%
Equity and liabilities €304k
Equity
€269k ▼ 4.7%
Debt
€35k ▲ 82.5%
Debt's share of the balance-sheet total rises from 6.3% to 11.5%. Equity is lower and debt is higher.
Key figures and ratios
ROE
-4.9%▼
2024 · 9.2%
ROA
-4.3%▼
2024 · 8.7%
Debt ≤ 1 year
€35k▲
2024 · €19k
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€301k€304k▲
Fixed assets21/28€95k€105k▲
Tangible fixed assets22/27-€10k
Furniture and vehicles24-€10k
Financial fixed assets28€95k€95k=
Current assets29/58€206k€199k▼
Amounts receivable after more than one year29€160k€160k=
Trade receivables290€160k-
Other amounts receivable291-€160k
Amounts receivable within one year40/41€38k€39k▲
Other amounts receivable41€38k€39k▲
Cash at bank and in hand54/58€8k€0▼
Equity and liabilities
Total equity and liabilities10/49€301k€304k▲
Equity10/15€282k€269k▼
Contributions10/11€6k€6k=
Reserves13€250k€250k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€248k€248k=
Profit (loss) carried forward14€26k€13k▼
Amounts payable17/49€19k€35k▲
Amounts payable within one year42/48€19k€35k▲
Financial debts43-€10k
Credit institutions430/8-€10k
Trade debts44-€8k
Suppliers440/4-€8k
Taxes, remuneration and social security45€5k€3k▼
Taxes450/3€5k€3k▼
Other amounts payable47/48€14k€14k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€808
Other operating charges640/8€1k€560▼
Gross operating margin9900€23k€-11k▼
Operating profit (loss)9901€22k€-13k▼
Financial income75/76B€6k-
Recurring financial income75€6k-
Financial charges65/66B€1k€625▼
Recurring financial charges65€1k€625▼
Profit (loss) for the period before taxes9903€27k€-13k▼
Income taxes67/77€914-
Profit (loss) for the period9904€26k€-13k▼
Profit (loss) for the period to be appropriated9905€26k€-13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€26k€13k▼
Profit (loss) brought forward from the previous period14P-€26k
The notes to these accounts (6 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-13k ▼150%
Net result drops to €-13k, the lowest in the series.
04-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 96 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €40k ▲61.5%
Operating result €41k, net result €40k, both a record.
31-12
Financial
Equity above €200kEq €235k ▲20.2%
4 profitable years in a row build equity to €235k.
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
23-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 115 days late
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
31-12
Financial
Equity above €150kEq €153k ▲8.8%
Equity rises from €141k to €153k.
Show earlier events
08-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 8 days late
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 57 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
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, Antwerpen · 1 establishment unit since 2001
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.
Falco de Lampageplein 402000 AntwerpenGround area
2,025 m²
Building footprint
51 m²
Parcel 11802B0150/00C002, Flanders. Linked by address, not a title deed.
1 establishment unit
F.BAL
since 20012.116.188.721
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11802B0150/00C002 | Flanders | 2,025 m² | 1 · 51 m² | - |
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.
Recognitions · licences · registrations
Legal Entity Identifier
9845008540CCD3DF9639
Similar companies · same sector, comparable size
ZKM
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KANTOOR DE KEZEL
BE 0538.746.710
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V & V FINANCE
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Oostende · Eq €286,897
BRAEM SPAAR-, BEHEER- EN ADVIESBURO
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Of 232 companies in sector 64190 we hold annual accounts for 109. 80 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 (pre-2019)
Founded13-02-2001
Fiscal year end31-12
Activities, NACEBEL 2025
64190Financial service activities, except insurance and pension funding
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.