Fabena
ActiveSummary
Fabena has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €54k and a net result of €43k. Equity is growing by ~5.6% per year across the filed fiscal years. Its solvency ranks better than 24% of 31791 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability90▲+8
Solvency46▼-22
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity short (current ratio 0.95 against 2.62 in 2024; short-term debt: 39% and cash: 11.3% of total assets), and 79% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← 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
21%
Return on assets
16.7%
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 24% of 31791 sector peers (2025).
NBB · sector comparisonPosition among 31791 sector peers
Solvency
better than 24%
← 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 21-05-2026, 71 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
71 d early
2024
31 d early
2023
20 d early
2022
32 d early
2021
24 d early
2020
29 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€54k▼ 46.7%
2024 · €101k
2020: €52klowest in 6 years
2021: €85k▲ +64.8% vs 2020
2022: €108k▲ +26.5% vs 2021
2023: €127k▲ +17.2% vs 2022highest in 6 years
2024: €101k▼ -20.2% vs 2023
2025: €54k▼ -46.7% vs 2024
2020 → 2025
Total assets
€257k▲ 8.1%
2024 · €238k
2020: €91klowest in 6 years
2021: €240k▲ +163% vs 2020
2022: €273k▲ +13.7% vs 2021
2023: €301k▲ +10.2% vs 2022highest in 6 years
2024: €238k▼ -21.0% vs 2023
2025: €257k▲ +8.1% vs 2024
2020 → 2025
Net result
€43k▲ 75.1%
2024 · €24k
2020: €49khighest in 6 years
2021: €34k▼ -31.2% vs 2020
2022: €23k▼ -32.6% vs 2021
2023: €19k▼ -17.8% vs 2022lowest in 6 years
2024: €24k▲ +31.4% vs 2023
2025: €43k▲ +75.1% vs 2024
2020 → 2025
Working capital
€-5k
2024 · €52k
2020: €45k
2021: €127k▲ +180% vs 2020highest in 6 years
2022: €94k▼ -26.0% vs 2021
2023: €72k▼ -22.8% vs 2022
2024: €52k▼ -28.4% vs 2023
2025: €-5k▼ -109% vs 2024lowest in 6 years
2020 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€85k-€108k▲ 26.5%€127k▲ 17.2%€101k▼ 20.2%€54k▼ 46.7%
2021: €85k
2022: €108k▲ +26.5% vs 2021
2023: €127k▲ +17.2% vs 2022highest in 5 years
2024: €101k▼ -20.2% vs 2023
2025: €54k▼ -46.7% vs 2024lowest in 5 years
Operating result€47k-€34k▼ 27.3%€31k▼ 9.5%€37k▲ 19.3%€58k▲ 56.5%
2021: €47k
2022: €34k▼ -27.3% vs 2021
2023: €31k▼ -9.5% vs 2022lowest in 5 years
2024: €37k▲ +19.3% vs 2023
2025: €58k▲ +56.5% vs 2024highest in 5 years
Net result€34k-€23k▼ 32.6%€19k▼ 17.8%€24k▲ 31.4%€43k▲ 75.1%
2021: €34k
2022: €23k▼ -32.6% vs 2021
2023: €19k▼ -17.8% vs 2022lowest in 5 years
2024: €24k▲ +31.4% vs 2023
2025: €43k▲ +75.1% vs 2024highest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 56% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €257k
Fixed assets
€161k ▲ 5.0%
Current assets
€96k ▲ 13.8%
Equity and liabilities €257k
Equity
€54k ▼ 46.7%
Debt
€203k ▲ 48.7%
Debt's share of the balance-sheet total rises from 57.5% to 79.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€69k▲
2024 · €46k
Cash flow
€54k▲
2024 · €34k
Current ratio
0.95▼
2024 · 2.62
Debt to equity
3.77▲
2024 · 1.35
ROE
79.4%▲
2024 · 24.2%
ROA
16.7%▲
2024 · 10.3%
Interest coverage
23.81▲
2024 · 10.55
Debt ≤ 1 year
€100k▲
2024 · €32k
Debt > 1 year
€100k=
2024 · €100k
Income taxes
€13k▲
2024 · €8k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€238k€257k▲
Fixed assets21/28€154k€161k▲
Tangible fixed assets22/27€154k€161k▲
Land and buildings22€151k€144k▼
Furniture and vehicles24€3k€17k▲
Current assets29/58€84k€96k▲
Amounts receivable within one year40/41€83k€64k▼
Trade receivables40€41k€29k▼
Other amounts receivable41€41k€35k▼
Cash at bank and in hand54/58€1k€29k▲
Deferred charges and accrued income490/1€363€3k▲
Equity and liabilities
Total equity and liabilities10/49€238k€257k▲
Equity10/15€101k€54k▼
Contributions10/11€3k€3k=
Reserves13€98k€51k▼
Distributable reserves133€98k€51k▼
Amounts payable17/49€137k€203k▲
Amounts payable after more than one year17€100k€100k=
Financial debts170/4€100k€100k=
Amounts payable within one year42/48€32k€100k▲
Trade debts44€3k€3k▲
Suppliers440/4€3k€3k▲
Advances received on contracts in progress46-€135
Taxes, remuneration and social security45€2k€5k▲
Taxes450/3€2k€5k▲
Other amounts payable47/48€27k€92k▲
Accrued charges and deferred income492/3€4k€3k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€11k▲
Other operating charges640/8€708€710▲
Gross operating margin9900€47k€69k▲
Operating profit (loss)9901€37k€58k▲
Financial income75/76B€6€1k▲
Recurring financial income75€6€1k▲
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€32k€56k▲
Income taxes67/77€8k€13k▲
Profit (loss) for the period9904€24k€43k▲
Profit (loss) for the period to be appropriated9905€24k€43k▲
Appropriation of the result
Profit (loss) to be appropriated9906€24k€43k▲
Transfer from equity791/2€50k€90k▲
Transfer to equity691/2€24k€43k▲
To other reserves6921€24k€43k▲
Profit to be distributed694/7€50k€90k▲
Return on contributions (dividend)694€50k€90k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4k | €8k | €8k | €9k | €11k | ▲ 20.1% |
| Other operating charges640/8 | €1k | €686 | €1k | €708 | €710 | ▲ 0.2% |
| Non-recurring operating charges66A | €57 | - | - | - | - | - |
| Gross operating margin9900 | €52k | €42k | €40k | €47k | €69k | ▲ 48.4% |
| Operating profit (loss)9901 | €47k | €34k | €31k | €37k | €58k | ▲ 56.5% |
| Financial income75/76B | - | €10 | - | €6 | €1k | ▲ 20,479% |
| Recurring financial income75 | - | €10 | - | €6 | €1k | ▲ 20,479% |
| Financial charges65/66B | €2k | €3k | €4k | €4k | €3k | ▼ 33.9% |
| Recurring financial charges65 | €2k | €3k | €4k | €4k | €3k | ▼ 33.9% |
| Profit (loss) for the period before taxes9903 | €45k | €31k | €27k | €32k | €56k | ▲ 72.6% |
| Income taxes67/77 | €11k | €8k | €8k | €8k | €13k | ▲ 65.0% |
| Profit (loss) for the period9904 | €34k | €23k | €19k | €24k | €43k | ▲ 75.1% |
| Profit (loss) for the period to be appropriated9905 | €34k | €23k | €19k | €24k | €43k | ▲ 75.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €240k | €273k | €301k | €238k | €257k | ▲ 8.1% |
| Fixed assets21/28 | €62k | €117k | €158k | €154k | €161k | ▲ 5.0% |
| Tangible fixed assets22/27 | €62k | €117k | €158k | €154k | €161k | ▲ 5.0% |
| Land and buildings22 | €55k | €113k | €155k | €151k | €144k | ▼ 4.1% |
| Furniture and vehicles24 | €7k | €3k | €3k | €3k | €17k | ▲ 448% |
| Current assets29/58 | €178k | €156k | €143k | €84k | €96k | ▲ 13.8% |
| Amounts receivable within one year40/41 | €26k | €25k | €15k | €83k | €64k | ▼ 22.4% |
| Trade receivables40 | €26k | €25k | €14k | €41k | €29k | ▼ 29.1% |
| Other amounts receivable41 | - | €199 | €904 | €41k | €35k | ▼ 15.6% |
| Cash at bank and in hand54/58 | €151k | €130k | €127k | €1k | €29k | ▲ 2,750% |
| Deferred charges and accrued income490/1 | €888 | €1k | €2k | €363 | €3k | ▲ 591% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €240k | €273k | €301k | €238k | €257k | ▲ 8.1% |
| Equity10/15 | €85k | €108k | €127k | €101k | €54k | ▼ 46.7% |
| Contributions10/11 | €3k | €3k | €3k | €3k | €3k | = |
| Reserves13 | €82k | €105k | €124k | €98k | €51k | ▼ 48.1% |
| Distributable reserves133 | €82k | €105k | €124k | €98k | €51k | ▼ 48.1% |
| Amounts payable17/49 | €155k | €165k | €174k | €137k | €203k | ▲ 48.7% |
| Amounts payable after more than one year17 | €100k | €100k | €100k | €100k | €100k | = |
| Financial debts170/4 | €100k | €100k | €100k | €100k | €100k | = |
| Amounts payable within one year42/48 | €51k | €62k | €70k | €32k | €100k | ▲ 212% |
| Current portion of amounts payable after more than one year42 | €9k | - | - | - | - | - |
| Trade debts44 | €8k | €3k | €5k | €3k | €3k | ▲ 27.5% |
| Suppliers440/4 | €8k | €3k | €5k | €3k | €3k | ▲ 27.5% |
| Advances received on contracts in progress46 | - | - | - | - | €135 | - |
| Taxes, remuneration and social security45 | €10k | €952 | €2k | €2k | €5k | ▲ 130% |
| Taxes450/3 | €10k | €952 | €2k | €2k | €5k | ▲ 130% |
| Other amounts payable47/48 | €25k | €58k | €64k | €27k | €92k | ▲ 236% |
| Accrued charges and deferred income492/3 | €4k | €3k | €4k | €4k | €3k | ▼ 36.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €34k | €23k | €19k | €24k | €43k | ▲ 75.1% |
| + Depreciation and write-downs630 | €4k | €8k | €8k | €9k | €11k | ▲ 20.1% |
| Operating cash flow (approximation) | €37k | €30k | €27k | €34k | €54k | ▲ 59.9% |
| Investment in fixed assets (approximation) | - | €-62k | €-50k | €-5k | €-19k | ▼ 301% |
| Change in cash | - | €-21k | €-3k | €-126k | €28k | ▲ 122% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
21-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €19k ▼17.8%
Net result drops to €19k, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €108k ▲26.5%
3 profitable years in a row build equity to €108k.
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
02-07
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.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Lede · 1 establishment unit since 2020
Ground area
798 m²
Building footprint
199 m²
Volume, LiDAR
157 m³
Parcel 41034F0510/00M000, Flanders · tallest building 9.3 m. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Fabena
since 20202.300.283.239
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41034F0510/00M000 | Flanders | 797 m² | 1 · 199 m² | 9.3 m |
Linked by address, not proof of ownership
Good to know
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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Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 38,473 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded09-03-2020
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
64210Activities of holding companies
Scores and ratios are computed by Checked and are not a credit decision.