F.F.M. 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 €349k and a net result of €35k. Equity is growing by ~35.1% per year across the filed fiscal years. Its solvency ranks better than 49% of 5527 sector peers (fiscal year 2025). The company has been active since 2019 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
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 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
5 d early
2022
3 d early
2021
30 d early
2020
27 d late
← before the deadline
after the deadline →
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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€349k▲ 11.2%
2024 · €314k
2020: €94k
2021: €118k
2022: €140k
2023: €231k
2024: €314k
2020 → 2025
Net result
€35k▼ 57.5%
2024 · €83k
2020: €64k
2021: €24k
2022: €23k
2023: €91k
2024: €83k
2020 → 2025
Total assets
€700k▲ 46.2%
2024 · €478k
2020: €309k
2021: €460k
2022: €309k
2023: €390k
2024: €478k
2020 → 2025
Solvency
49.9%▼ 15.7pp
2024 · 65.6%
2020: 30.3%
2021: 25.6%
2022: 45.5%
2023: 59.3%
2024: 65.6%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€118k-€140k▲ 19.1%€231k▲ 64.5%€314k▲ 36.0%€349k▲ 11.2%
Operating result€30k-€31k▲ 2.4%€117k▲ 275%€111k▼ 5.1%€49k▼ 55.3%
Net result€24k-€23k▼ 6.5%€91k▲ 301%€83k▼ 8.3%€35k▼ 57.5%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 55% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €700k
Fixed assets
€264k▲ 11.1%
Current assets
€436k▲ 80.8%
Equity and liabilities €700k
Equity
€349k▲ 11.2%
Debt
€350k▲ 113%
The debt ratio rises from 34.4% to 50.1%. Equity and debt are higher.
Key figures and ratios
Solvency
49.9%▼
2024 · 65.6%
ROE
10.1%▼
2024 · 26.4%
ROA
5.0%▼
2024 · 17.4%
Debt
€350k▲
2024 · €164k
Debt ≤ 1 year
€260k▲
2024 · €94k
Debt > 1 year
€83k▲
2024 · €68k
Income taxes
€14k▼
2024 · €29k
Staff costs
€127k▲
2024 · €75k
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€478k€700k▲
Fixed assets21/28€237k€264k▲
Tangible fixed assets22/27€59k€85k▲
Furniture and vehicles24€59k€85k▲
Financial fixed assets28€178k€178k=
Current assets29/58€241k€436k▲
Amounts receivable within one year40/41€206k€383k▲
Trade receivables40€76k€83k▲
Other amounts receivable41€130k€300k▲
Cash at bank and in hand54/58€24k€33k▲
Deferred charges and accrued income490/1€10k€20k▲
Equity and liabilities
Total equity and liabilities10/49€478k€700k▲
Equity10/15€314k€349k▲
Contributions10/11€30k€30k=
Reserves13€284k€319k▲
Tax-exempt reserves132€53k€53k=
Distributable reserves133€231k€266k▲
Profit (loss) carried forward14€329€647▲
Amounts payable17/49€164k€350k▲
Amounts payable after more than one year17€68k€83k▲
Financial debts170/4€68k€83k▲
Amounts payable within one year42/48€94k€260k▲
Current portion of amounts payable after more than one year42€17k€27k▲
Trade debts44€6k€10k▲
Suppliers440/4€6k€10k▲
Taxes, remuneration and social security45€63k€76k▲
Taxes450/3€49k€53k▲
Remuneration and social security454/9€14k€23k▲
Other amounts payable47/48€8k€147k▲
Accrued charges and deferred income492/3€3k€7k▲
Income statement
Code20242025
Non-recurring operating income76A-€9k
Remuneration, social security and pensions62€75k€127k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€28k▲
Other operating charges640/8€736€804▲
Gross operating margin9900€207k€206k▼
Operating profit (loss)9901€111k€49k▼
Financial income75/76B€5k€9k▲
Recurring financial income75€5k€9k▲
Financial charges65/66B€4k€9k▲
Recurring financial charges65€4k€9k▲
Profit (loss) for the period before taxes9903€112k€49k▼
Income taxes67/77€29k€14k▼
Profit (loss) for the period9904€83k€35k▼
Transfer to tax-exempt reserves689€32k-
Profit (loss) for the period to be appropriated9905€51k€35k▼
Appropriation of the result
Profit (loss) to be appropriated9906€52k€36k▼
Profit (loss) brought forward from the previous period14P€874€329▼
Transfer to equity691/2€52k€35k▼
To other reserves6921€52k€35k▼
Social balance
Average headcount (FTE)90871.01.8▲
The notes to these accounts (12 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2020net €91k ▲301%
Operating result €117k, net result €91k, both a record.
31-12
Financial
Equity above €200kEq €231k ▲64.5%
4 profitable years in a row build equity to €231k.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €23k ▼6.5%
Net result drops to €23k, the lowest in the series; recovery starts the following year.
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €100kEq €118k ▲25.8%
2 profitable years in a row build equity to €118k.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
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, Rumst · 1 establishment unit since 2019
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.
Keelhoevestraat 12840 RumstGround area
3,001 m²
Building footprint
179 m²
Volume, LiDAR
919 m³
Parcel 11036C0035/00G000, Flanders · tallest building 6.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
F.F.M.
since 20192.289.861.182
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11036C0035/00G000 | Flanders | 3,001 m² | 1 · 179 m² | 6.9 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 248 EUR awarded · 248 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 248 EUR | 248 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,764. 13,766 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-05-2019
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.