F.I.L.
ActiveF.I.L. has been active since 1982 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (€-76k) and a net result of €474. Equity is shrinking by ~10.9% per year across the filed fiscal years. Its solvency ranks better than 8% of 9017 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability0=
Solvency33=
Growth58=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.0 against 0.03 in 2023), and equity is negative.
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 · 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
-10.4%
Return on assets
0.1%
Age of the figures
27 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 8% of 9017 sector peers (2024).
NBB · sector comparisonPosition among 9017 sector peers
Solvency
better than 8%
← weakest
strongest →
raises risk · Annual accounts not filed
The financial year that closed on 30-06-2025 was due at the National Bank by 31-01-2026. Nothing is on record, 227 days later.
NBB · 10 filingsPosition against the passed deadline
30-06-2025 close31-01-2026 deadline15-09-2026 today
raises risk · Filed more than 90 days late
The financial year that closed on 30-06-2024 was due by 31-01-2025 and was filed on 29-12-2025, 332 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not filed
2024
332 d late
2023
27 d late
2022
21 d late
2021
56 d late
2020
417 d late
2019
782 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€-76k▲ 0.6%
2023 · €-77k
2019: €-22k
2020: €-52k
2021: €-79k
2022: €-78k
2023: €-77k
2019 → 2024
Total assets
€731k▼ 4.2%
2023 · €764k
2019: €856k
2020: €817k
2021: €789k
2022: €786k
2023: €764k
2019 → 2024
Net result
€474▼ 51.8%
2023 · €984
2019: €-29k
2020: €-29k
2021: €-27k
2022: €1k
2023: €984
2019 → 2024
Working capital
€-805k▲ 1.6%
2023 · €-818k
2019: €-870k
2020: €-866k
2021: €-860k
2022: €-830k
2023: €-818k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-52k-€-79k▼ 52.3%€-78k▲ 1.5%€-77k▲ 1.3%€-76k▲ 0.6%
Operating result€-28k-€-26k▲ 6.3%€2k€1k▼ 11.0%€583▼ 59.1%
Net result€-29k-€-27k▲ 7.5%€1k€984▼ 15.3%€474▼ 51.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 59% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €731k
Fixed assets
€729k▼ 1.9%
Current assets
€3k▼ 86.2%
Key figures and ratios
EBITDA
€21k▼
2023 · €21k
Cash flow
€21k▼
2023 · €21k
Solvency
-10.4%▼
2023 · -10.0%
Current ratio
0.00▼
2023 · 0.03
Quick ratio
0.00▼
2023 · 0.03
Debt / equity
-10.59▲
2023 · -10.95
ROE
-0.6%▲
2023 · -1.3%
ROA
0.1%▼
2023 · 0.1%
Interest coverage
171.36▲
2023 · 48.39
Debt
€808k▼
2023 · €841k
Debt ≤ 1 year
€808k▼
2023 · €839k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€764k€731k▼
Fixed assets21/28€743k€729k▼
Tangible fixed assets22/27€131k€117k▼
Land and buildings22€76k€66k▼
Plant, machinery and equipment23€55k€51k▼
Financial fixed assets28€612k€612k=
Current assets29/58€21k€3k▼
Amounts receivable within one year40/41€17k€3k▼
Trade receivables40-€1k
Other amounts receivable41€17k€1k▼
Cash at bank and in hand54/58€5k€115▼
Equity and liabilities
Total equity and liabilities10/49€764k€731k▼
Equity10/15€-77k€-76k▲
Contributions10/11€19k€19k=
Capital10-€19k
Issued capital100-€19k
Reserves13€20k€20k=
Non-distributable reserves130/1€7k€7k=
Legal reserve130-€7k
Reserves not available under the articles1311€7k-
Tax-exempt reserves132€13k€13k=
Profit (loss) carried forward14€-115k€-115k▲
Amounts payable17/49€841k€808k▼
Amounts payable within one year42/48€839k€808k▼
Trade debts44€2k-
Suppliers440/4€2k-
Advances received on contracts in progress46-€2k
Other amounts payable47/48€837k€806k▼
Accrued charges and deferred income492/3€2k-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€20k▲
Other operating charges640/8€5k€3k▼
Gross operating margin9900€26k€24k▼
Operating profit (loss)9901€1k€583▼
Financial income75/76B-€13
Recurring financial income75-€13
Financial charges65/66B€443€122▼
Recurring financial charges65€443€122▼
Profit (loss) for the period before taxes9903€984€474▼
Profit (loss) for the period9904€984€474▼
Profit (loss) for the period to be appropriated9905€984€474▼
Appropriation of the result
Profit (loss) to be appropriated9906€-115k€-115k▲
Profit (loss) brought forward from the previous period14P€-116k€-115k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 332 days late
2024
27-02
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 27 days late
2023
21-02
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 21 days late
2022
30-06
Financial
Back to profitnet €1k
Net result €1k after 3 loss-making years.
28-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 56 days late
24-03
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 417 days late
23-03
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 782 days late
2020
30-06
Financial
Weakest financial yearnet €-29k
Net result drops to €-29k, the lowest in the series; recovery starts the following year.
2019
25-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 53 days late
23-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 416 days late
2017
15-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
26-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 147 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Gent · 1 establishment unit since 1982
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.
Katwilgenstraat 49032 GentGround area
748 m²
Building footprint
250 m²
Volume, LiDAR
947 m³
Parcel 44074C0271/00H000, Flanders · tallest building 5.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
LEKKERBEK
since 19822.020.208.211
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44074C0271/00H000 | Flanders | 748 m² | 1 · 250 m² | 5.4 m · 1 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.
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CARMI
BE 0472.678.228
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Chef's Signature
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VAN GINDER
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Of 694 companies in sector 46392 we hold annual accounts for 483. 111 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-03-1982
Fiscal year end30-06
Activities, NACEBEL
46392Non-specialised wholesale
51392
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
52112
Sources
Crossroads Bank for EnterprisesNational Bank · 29 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.