F&F - Invest
ActiveSummary
F&F - Invest has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €256k and a net result of €44k. Equity is growing by ~29.2% per year across the filed fiscal years. Its solvency ranks better than 23% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability39▼-39
Solvency45▼-10
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 2.18 against 1.43 in 2024; short-term debt: 28.3% and cash: 7.1% of total assets), but 80.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
19.6%
Return on assets
3.4%
Age of the figures
12 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 31694 sector peers (2025).
NBB · sector comparisonPosition among 31694 sector peers
Solvency
better than 23%
← weakest
strongest →
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 20-04-2026, 10 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
10 d early
2024
14 d early
2023
4 d early
2022
3 d early
2021
1 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€256k▲ 20.8%
2024 · €212k
2021: €46k
2022: €63k
2023: €185k
2024: €212k
2021 → 2025
Total assets
€1.31M▲ 84.8%
2024 · €709k
2021: €308k
2022: €126k
2023: €227k
2024: €709k
2021 → 2025
Net result
€44k▼ 18.3%
2024 · €54k
2021: €41k
2022: €17k
2023: €122k
2024: €54k
2021 → 2025
Working capital
€437k▲ 389%
2024 · €89k
2021: €4k
2022: €50k
2023: €182k
2024: €89k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€46k-€63k▲ 37.9%€185k▲ 195%€212k▲ 14.6%€256k▲ 20.8%
Operating result€55k-€25k▼ 55.2%€45k▲ 79.8%€73k▲ 63.3%€90k▲ 22.9%
Net result€41k-€17k▼ 57.4%€122k▲ 609%€54k▼ 55.8%€44k▼ 18.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 23% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.31M
Fixed assets
€502k ▲ 22.8%
Current assets
€808k ▲ 169%
Equity and liabilities €1.31M
Equity
€256k ▲ 20.8%
Debt
€1.05M ▲ 112%
Debt's share of the balance-sheet total rises from 70.1% to 80.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€100k▼
2024 · €136k
Cash flow
€55k▼
2024 · €117k
Current ratio
2.18▲
2024 · 1.43
Quick ratio
2.02▲
2024 · 1.43
Debt to equity
4.11▲
2024 · 2.34
ROE
17.2%▼
2024 · 25.5%
ROA
3.4%▼
2024 · 7.6%
Interest coverage
1.95▼
2024 · 10.10
Debt ≤ 1 year
€371k▲
2024 · €210k
Debt > 1 year
€683k▲
2024 · €286k
Income taxes
€13k▲
2024 · €9k
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 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€709k€1.31M▲
Fixed assets21/28€409k€502k▲
Tangible fixed assets22/27€409k€406k▼
Land and buildings22€407k€397k▼
Furniture and vehicles24€2k€8k▲
Financial fixed assets28-€96k
Current assets29/58€300k€808k▲
Amounts receivable after more than one year29-€320k
Other amounts receivable291-€320k
Stocks and contracts in progress3-€59k
Contracts in progress37-€59k
Amounts receivable within one year40/41€292k€335k▲
Trade receivables40€28k€42k▲
Other amounts receivable41€264k€294k▲
Cash at bank and in hand54/58€7k€92k▲
Deferred charges and accrued income490/1€725€652▼
Equity and liabilities
Total equity and liabilities10/49€709k€1.31M▲
Equity10/15€212k€256k▲
Contributions10/11€5k€5k=
Reserves13€207k€251k▲
Distributable reserves133€207k€251k▲
Amounts payable17/49€497k€1.05M▲
Amounts payable after more than one year17€286k€683k▲
Financial debts170/4€286k€683k▲
Amounts payable within one year42/48€210k€371k▲
Current portion of amounts payable after more than one year42€165k€345k▲
Trade debts44€2k€5k▲
Suppliers440/4€2k€5k▲
Taxes, remuneration and social security45€17k€20k▲
Taxes450/3€17k€20k▲
Other amounts payable47/48€27k-
Accrued charges and deferred income492/3€661€93▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€63k€10k▼
Other operating charges640/8€1k€5k▲
Gross operating margin9900€138k€106k▼
Operating profit (loss)9901€73k€90k▲
Financial income75/76B€3k€19k▲
Recurring financial income75€3k€19k▲
Financial charges65/66B€13k€51k▲
Recurring financial charges65€13k€51k▲
Profit (loss) for the period before taxes9903€63k€58k▼
Income taxes67/77€9k€13k▲
Profit (loss) for the period9904€54k€44k▼
Profit (loss) for the period to be appropriated9905€54k€44k▼
Appropriation of the result
Profit (loss) to be appropriated9906€54k€44k▼
Transfer to equity691/2€27k€44k▲
To other reserves6921€27k€44k▲
Profit to be distributed694/7€27k-
Directors or managers695€27k-
The notes to these accounts (13 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
20-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Equity above €200kEq €212k ▲14.6%
4 profitable years in a row build equity to €212k.
26-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Highest result since 2021net €122k ▲609%
Net result €122k, the highest in the series.
30-09
Financial
Liquidity triplescurrent ratio 5.31
Current ratio from 1.78 to 5.31; short-term debt falls from €64k to €42k.
30-09
Financial
Equity above €150kEq €185k ▲195%
3 profitable years in a row build equity to €185k.
27-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Weakest financial yearnet €17k ▼57.4%
Net result drops to €17k, the lowest in the series; recovery starts the following year.
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro 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, Herentals · 1 establishment unit since 2020
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.
Schommestraat(MRH) 72200 HerentalsGround area
750 m²
Building footprint
120 m²
Parcel 13027C0201/00B000, Flanders. Linked by address, not a title deed.
1 establishment unit
F&F - Invest
since 20202.300.069.839
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13027C0201/00B000 | Flanders | 750 m² | 1 · 120 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.
Similar companies · same sector, comparable size
Meto
BE 0404.309.163
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TOTR
BE 0795.830.065
Tielt · Eq €256,379
Evolynx
BE 0829.139.370
Heuvelland · Eq €256,376
BH & PARTNERS
BE 0885.975.927
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BURENDUEL
BE 0875.093.418
Bertem · Eq €256,410
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 38,832 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
Founded22-01-2020
Fiscal year end30-09
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.