F&M Properties
ActiveF&M Properties has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €29k and a net result of €-37k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 94% of 13898 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency100=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 5.93 against 6.54 in 2024), and 5.9% of the assets are financed with debt.
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
94.1%
Return on assets
-121.6%
Age of the figures
8 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€37k
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 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
13 d early
2023
12 d early
2022
17 d early
2021
18 d early
2020
11 d early
2019
35 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€29k▼ 56.4%
2024 · €66k
2018: €9k
2019: €-10k
2020: €-16k
2021: €12k
2022: €38k
2023: €73k
2024: €66k
2018 → 2025
Total assets
€31k▼ 58.3%
2024 · €74k
2018: €11k
2019: €138k
2020: €97k
2021: €123k
2022: €124k
2023: €110k
2024: €74k
2018 → 2025
Net result
€-37k▼ 478%
2024 · €-6k
2018: €-31k
2019: €-19k
2020: €-7k
2021: €28k
2022: €26k
2023: €34k
2024: €-6k
2018 → 2025
Working capital
€9k▼ 78.4%
2024 · €41k
2018: €141
2019: €20k
2020: €13k
2021: €26k
2022: €51k
2023: €45k
2024: €41k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€12k-€38k▲ 218%€73k▲ 89.3%€66k▼ 8.9%€29k▼ 56.4%
Operating result€30k-€34k▲ 11.0%€53k▲ 56.7%€-6k€-37k▼ 515%
Net result€28k-€26k▼ 6.4%€34k▲ 30.2%€-6k€-37k▼ 478%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €37k in 2025 against €6k in 2024; the loss grows and 2025 is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €31k
Fixed assets
€20k▼ 20.6%
Current assets
€11k▼ 77.9%
Equity and liabilities €31k
Equity
€29k▼ 56.4%
Debt
€2k▼ 75.7%
The debt ratio falls from 10.1% to 5.9%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€-29k▼
2024 · €2k
Cash flow
€-29k▼
2024 · €2k
Solvency
94.1%▲
2024 · 89.9%
Current ratio
5.93▼
2024 · 6.54
Quick ratio
4.77▼
2024 · 6.29
Debt / equity
0.06▼
2024 · 0.11
ROE
-129.2%▼
2024 · -9.7%
ROA
-121.6%▼
2024 · -8.8%
Interest coverage
-131.11▼
2024 · 5.52
Debt
€2k▼
2024 · €7k
Debt ≤ 1 year
€2k▼
2024 · €7k
Income taxes
€145▲
2024 · €112
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€74k€31k▼
Fixed assets21/28€25k€20k▼
Intangible fixed assets21€347€247▼
Tangible fixed assets22/27€25k€20k▼
Plant, machinery and equipment23€14k€14k▼
Furniture and vehicles24€11k€6k▼
Current assets29/58€48k€11k▼
Stocks and contracts in progress3€2k€2k▲
Stocks30/36€2k€2k▲
Amounts receivable within one year40/41€8k€929▼
Trade receivables40€2k€150▼
Other amounts receivable41€7k€779▼
Cash at bank and in hand54/58€36k€6k▼
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€74k€31k▼
Equity10/15€66k€29k▼
Contributions10/11€19k€19k=
Reserves13€52k€52k=
Distributable reserves133€52k€52k=
Profit (loss) carried forward14€-4k€-41k▼
Amounts payable17/49€7k€2k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€7k€2k▼
Current portion of amounts payable after more than one year42€4k€0▼
Trade debts44€3k€1k▼
Suppliers440/4€3k€1k▼
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€262€365▲
Taxes450/3€262€365▲
Other amounts payable47/48€0-
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k▼
Other operating charges640/8€621€2k▲
Non-recurring operating charges66A-€673
Gross operating margin9900€3k€-27k▼
Operating profit (loss)9901€-6k€-37k▼
Financial income75/76B€100€205▲
Recurring financial income75€100€205▲
Financial charges65/66B€399€223▼
Recurring financial charges65€399€223▼
Profit (loss) for the period before taxes9903€-6k€-37k▼
Income taxes67/77€112€145▲
Profit (loss) for the period9904€-6k€-37k▼
Profit (loss) for the period to be appropriated9905€-6k€-37k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-6k€-41k▼
Profit (loss) brought forward from the previous period14P-€-4k
Transfer from equity791/2€2k€0▼
Transfer to equity691/2€0-
To other reserves6921€0-
The notes to these accounts (10 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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-37k
Net result drops to €-37k, the lowest in the series.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 6.54
Current ratio from 2.37 to 6.54; short-term debt falls from €33k to €7k.
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €34k ▲30.2%
Operating result €53k, net result €34k, both a record.
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €28k
Net result €28k after 3 loss-making years.
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
05-07
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
no sitting director, no change since 2024
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
31-12-2024
Frederic Deveen: Resigned as Director
05-04-2023
Frederic Deveen: Appointed as Director
05-04-2023
Mia De Sutter: Resigned as Manager
Location & real-estate footprint
Registered office, Bierbeek · 1 establishment unit since 1994
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.
Pimberg 1273360 BierbeekGround area
472 m²
Building footprint
111 m²
Volume, LiDAR
724 m³
Parcel 24053B0144/00W000, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
F&M Properties
since 19942.065.991.419
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24053B0144/00W000 | Flanders | 472 m² | 1 · 111 m² | 9.3 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
2023 to 2025 · 3 entries · 2,121 EUR awarded · 2,213 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 159 EUR | 159 EUR |
| 2024 | 1 | 285 EUR | 285 EUR |
| 2023 | 1 | 1,677 EUR | 1,769 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 11,700 companies in sector 68310 we hold annual accounts for 6,875. 4,333 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-02-1994
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
96022Beauty treatment
96220Beauty care and other beauty treatments
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.