F.N.af
ActiveF.N.af has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €14k and a net result of €9k. Equity is growing by ~42.9% per year across the filed fiscal years. Its solvency ranks better than 17% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▼-10
Solvency36▼-59
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 1.79 against 2.47 in 2024; short-term debt: 55.8% and cash: 56.5% of total assets), but 88.9% 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 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
11.1%
Return on assets
7.2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 31662 sector peers (2025).
NBB · sector comparisonPosition among 31662 sector peers
Solvency
better than 17%
← weakest
strongest →
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 · 6 filingsDeviation from the deadline
2025
16 d early
2024
21 d early
2023
28 d early
2022
14 d early
2021
48 d early
2020
52 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€14k▼ 91.2%
2024 · €163k
2020: €17k
2021: €60k
2022: €93k
2023: €126k
2024: €163k
2020 → 2025
Total assets
€129k▼ 44.9%
2024 · €234k
2020: €90k
2021: €162k
2022: €188k
2023: €209k
2024: €234k
2020 → 2025
Net result
€9k▼ 74.9%
2024 · €37k
2020: €13k
2021: €44k
2022: €34k
2023: €34k
2024: €37k
2020 → 2025
Working capital
€57k▼ 22.6%
2024 · €74k
2020: €-2k
2021: €31k
2022: €56k
2023: €32k
2024: €74k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€60k-€93k▲ 54.7%€126k▲ 35.3%€163k▲ 29.4%€14k▼ 91.2%
Operating result€61k-€47k▼ 23.2%€47k▼ 0.6%€51k▲ 8.5%€19k▼ 61.7%
Net result€44k-€34k▼ 23.9%€34k▼ 0.1%€37k▲ 9.3%€9k▼ 74.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 62% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €129k
Equity
€14k▼ 91.2%
Provisions
€28k
Debt
€86k▲ 20.8%
The debt ratio rises from 30.5% to 66.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€30k▼
2024 · €62k
Cash flow
€20k▼
2024 · €49k
Solvency
11.1%▼
2024 · 69.5%
Current ratio
1.79▼
2024 · 2.47
Quick ratio
1.79▼
2024 · 2.47
Debt / equity
6.04▲
2024 · 0.44
ROE
65.0%▲
2024 · 22.7%
ROA
7.2%▼
2024 · 15.8%
Interest coverage
173.51▲
2024 · 114.28
Debt
€86k▲
2024 · €71k
Debt ≤ 1 year
€72k▲
2024 · €50k
Debt > 1 year
€14k▼
2024 · €21k
Income taxes
€10k▼
2024 · €13k
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€234k€129k▼
Fixed assets21/28€111k€0▼
Tangible fixed assets22/27€11k€0▼
Furniture and vehicles24€11k€0▼
Financial fixed assets28€100k€0▼
Current assets29/58€124k€129k▲
Amounts receivable within one year40/41€64k€56k▼
Trade receivables40€61k€48k▼
Other amounts receivable41€4k€7k▲
Cash at bank and in hand54/58€59k€73k▲
Deferred charges and accrued income490/1€420€491▲
Equity and liabilities
Total equity and liabilities10/49€234k€129k▼
Equity10/15€163k€14k▼
Contributions10/11€5k€5k=
Reserves13-€9k
Distributable reserves133-€9k
Profit (loss) carried forward14€158k€0▼
Provisions and deferred taxes16-€28k
Provisions for liabilities and charges160/5-€28k
Other liabilities and charges164/5-€28k
Amounts payable17/49€71k€86k▲
Amounts payable after more than one year17€21k€14k▼
Financial debts170/4€21k€14k▼
Amounts payable within one year42/48€50k€72k▲
Current portion of amounts payable after more than one year42€7k€7k▼
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€357€6k▲
Taxes450/3€357€6k▲
Other amounts payable47/48€41k€56k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€11k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8-€28k
Other operating charges640/8€819€706▼
Gross operating margin9900€63k€59k▼
Operating profit (loss)9901€51k€19k▼
Financial charges65/66B€546€172▼
Recurring financial charges65€546€172▼
Profit (loss) for the period before taxes9903€50k€19k▼
Income taxes67/77€13k€10k▼
Profit (loss) for the period9904€37k€9k▼
Profit (loss) for the period to be appropriated9905€37k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€158k€167k▲
Profit (loss) brought forward from the previous period14P€121k€158k▲
Transfer to equity691/2-€9k
To other reserves6921-€9k
Profit to be distributed694/7€0€158k▲
Return on contributions (dividend)694€0€158k▲
The notes to these accounts (11 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 €9k ▼74.9%
Net result drops to €9k, the lowest in the series.
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150kEq €163k ▲29.4%
5 profitable years in a row build equity to €163k.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €126k ▲35.3%
4 profitable years in a row build equity to €126k.
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
13-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2020net €44k ▲252%
Operating result €61k, net result €44k, both a record.
09-06
NBB filing
Annual accounts filed
fiscal year 2020 · 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, Oosterzele · 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.
Rollebaan 259860 OosterzeleGround area
1,123 m²
Building footprint
152 m²
Volume, LiDAR
670 m³
Parcel 44046A0658/00A002, Flanders · tallest building 8.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
F.N.af
since 20202.306.258.736
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44046A0658/00A002 | Flanders | 1,123 m² | 1 · 152 m² | 8.6 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.
Recognitions · licences · registrations
Legal Entity Identifier
9845003EE99EE3AF8R47
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 26,928 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-08-2020
Fiscal year end31-12
Activities, NACEBEL
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 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.