F&L
ActiveF&L has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.40M and a net result of €284k. Equity is growing by ~11.9% per year across the filed fiscal years. Its solvency ranks better than 55% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▲+4
Solvency86▼-14
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100k at 30 days acceptable
Liquidity tight (current ratio 1.38 against 1.97 in 2024; short-term debt: 26.5% and cash: 9.9% of total assets), and 39.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers 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 →
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
60.9%
Return on assets
12.4%
Age of the figures
9 mo
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
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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
26 d late
2023
20 d early
2022
7 d early
2021
26 d early
2020
30 d late
2019
11 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.40M▼ 14.0%
2024 · €1.63M
2018: €742k
2019: €850k
2020: €994k
2021: €1.15M
2022: €1.30M
2023: €1.57M
2024: €1.63M
2018 → 2025
Total assets
€2.30M▲ 16.8%
2024 · €1.97M
2018: €878k
2019: €959k
2020: €1.11M
2021: €1.30M
2022: €1.44M
2023: €1.75M
2024: €1.97M
2018 → 2025
Net result
€284k▲ 64.3%
2024 · €173k
2018: €159k
2019: €109k
2020: €146k
2021: €161k
2022: €145k
2023: €310k
2024: €173k
2018 → 2025
Working capital
€234k▲ 21.5%
2024 · €193k
2018: €251k
2019: €378k
2020: €271k
2021: €470k
2022: €622k
2023: €1.10M
2024: €193k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.15M-€1.30M▲ 12.4%€1.57M▲ 20.6%€1.63M▲ 4.1%€1.40M▼ 14.0%
Operating result€244k-€242k▼ 1.1%€450k▲ 86.1%€250k▼ 44.4%€415k▲ 66.1%
Net result€161k-€145k▼ 10.0%€310k▲ 114%€173k▼ 44.2%€284k▲ 64.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 66% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.30M
Fixed assets
€1.46M▼ 7.6%
Current assets
€844k▲ 115%
Equity and liabilities €2.30M
Equity
€1.40M▼ 14.0%
Provisions
€67k▲ 299%
Debt
€832k▲ 158%
The debt ratio rises from 16.4% to 36.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€463k▲
2024 · €274k
Cash flow
€332k▲
2024 · €197k
Solvency
60.9%▼
2024 · 82.8%
Current ratio
1.38▼
2024 · 1.97
Quick ratio
1.38▼
2024 · 1.97
Debt / equity
0.59▲
2024 · 0.20
ROE
20.3%▲
2024 · 10.6%
ROA
12.4%▲
2024 · 8.8%
Interest coverage
42.80▲
2024 · 42.36
Debt
€832k▲
2024 · €323k
Debt ≤ 1 year
€609k▲
2024 · €200k
Debt > 1 year
€207k▲
2024 · €114k
Income taxes
€71k▼
2024 · €88k
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€1.97M€2.30M▲
Fixed assets21/28€1.58M€1.46M▼
Tangible fixed assets22/27€1.58M€1.46M▼
Land and buildings22€1.57M€1.42M▼
Furniture and vehicles24€5k€33k▲
Financial fixed assets28-€600
Current assets29/58€393k€844k▲
Amounts receivable within one year40/41€149k€105k▼
Trade receivables40€149k€105k▼
Current investments50/53€947€502k▲
Cash at bank and in hand54/58€237k€229k▼
Deferred charges and accrued income490/1€6k€8k▲
Equity and liabilities
Total equity and liabilities10/49€1.97M€2.30M▲
Equity10/15€1.63M€1.40M▼
Contributions10/11€25k€25k=
Reserves13€1.15M€923k▼
Tax-exempt reserves132€51k€202k▲
Distributable reserves133€1.10M€721k▼
Profit (loss) carried forward14€455k€454k▼
Provisions and deferred taxes16€17k€67k▲
Deferred taxes168€17k€67k▲
Amounts payable17/49€323k€832k▲
Amounts payable after more than one year17€114k€207k▲
Other amounts payable178/9€114k€207k▲
Amounts payable within one year42/48€200k€609k▲
Trade debts44€3k€879▼
Suppliers440/4€3k€879▼
Taxes, remuneration and social security45€88k€95k▲
Taxes450/3€88k€95k▲
Other amounts payable47/48€108k€513k▲
Accrued charges and deferred income492/3€9k€15k▲
Income statement
Code20242025
Non-recurring operating income76A€0€214k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€48k▲
Other operating charges640/8€32k€11k▼
Gross operating margin9900€307k€474k▲
Operating profit (loss)9901€250k€415k▲
Financial income75/76B€17k€1k▼
Recurring financial income75€17k€1k▼
Non-recurring financial income76B€0-
Financial charges65/66B€6k€11k▲
Recurring financial charges65€6k€11k▲
Profit (loss) for the period before taxes9903€261k€406k▲
Transfer from deferred taxes780€60€509▲
Transfer to deferred taxes680-€51k
Income taxes67/77€88k€71k▼
Profit (loss) for the period9904€173k€284k▲
Transfer from tax-exempt reserves789€180€2k▲
Transfer to tax-exempt reserves689€0€153k▲
Profit (loss) for the period to be appropriated9905€173k€133k▼
Appropriation of the result
Profit (loss) to be appropriated9906€630k€588k▼
Profit (loss) brought forward from the previous period14P€457k€455k▼
Transfer from equity791/2€107k€512k▲
Transfer to equity691/2€173k€133k▼
To other reserves6921€173k€133k▼
Profit to be distributed694/7€108k€513k▲
Return on contributions (dividend)694€108k€513k▲
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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €310k ▲114%
Operating result €450k, net result €310k, both a record.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €1MEq €1.15M ▲16.1%
4 profitable years in a row build equity to €1.15M.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
20-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €109k ▼31.3%
Net result drops to €109k, the lowest in the series; recovery starts the following year.
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Beringen · 1 establishment unit since 2008
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.
Kegelstraat 203582 BeringenGround area
779 m²
Building footprint
183 m²
Volume, LiDAR
902 m³
Parcel 71522C0003/00X069, Flanders · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
F & L
since 20082.173.436.339
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71522C0003/00X069 | Flanders | 779 m² | 1 · 183 m² | 7.1 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.
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CHV REFLEXION
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Strobbe
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TEN TUYNE
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Assenede · Eq €1.40M
Of 82,570 companies in sector 70200 we hold annual accounts for 52,574. 24,127 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-09-2008
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.