FABERFIN
ActiveSummary
FABERFIN has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1,000 and a net result of €75,006. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 32023 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency27=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
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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 →
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
2.1%
Return on assets
157.7%
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 10% of 32023 sector peers (2025).
NBB · sector comparisonPosition among 32023 sector peers
Solvency
better than 10%
← 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 04-06-2026, 57 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
57 d early
2024
28 d late
2023
15 d early
2022
on the day
2021
4 d late
2020
30 d late
2019
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 3 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
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. Usually files around 31 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
€0
2021 · €0
Total assets
€47,556▼ 17.6%
2024 · €57,730
Net result
€75,006▲ 64.2%
2024 · €45,667
Working capital
-€7,670▲ 15.3%
2024 · -€9,056
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€0€0
Operating result€47,871▼ 14.4%€63,846▲ 33.4%€73,937▲ 15.8%€66,335▼ 10.3%€100,565▲ 51.6%
Net result€35,750within the sector's middle half▼ 5.3%€44,778within the sector's middle half▲ 25.3%€57,646within the sector's middle half▲ 28.7%€45,667within the sector's middle half▼ 20.8%€75,006above the sector's middle half▲ 64.2%
Equity€1,000below the sector's middle half▼ 95.1%€1,000below the sector's middle half=€1,000below the sector's middle half=€1,000below the sector's middle half=€1,000below the sector's middle half=
Total assets€85,459within the sector's middle half▼ 10.4%€77,176below the sector's middle half▼ 9.7%€62,420below the sector's middle half▼ 19.1%€57,730below the sector's middle half▼ 7.5%€47,556below the sector's middle half▼ 17.6%
Debt€84,459▲ 12.7%€76,176▼ 9.8%€61,420▼ 19.4%€56,730▼ 7.6%€46,556▼ 17.9%
Working capital-€3,448below the sector's middle half-€18,460below the sector's middle half▼ 435%-€12,604below the sector's middle half▲ 31.7%-€9,056below the sector's middle half▲ 28.2%-€7,670below the sector's middle half▲ 15.3%
Solvency1.2%below the sector's middle half▼ 20.3pp1.3%below the sector's middle half▲ 0.1pp1.6%below the sector's middle half▲ 0.3pp1.7%below the sector's middle half▲ 0.1pp2.1%below the sector's middle half▲ 0.4pp
Current ratio0.96below the sector's middle half▼ 0.310.76below the sector's middle half▼ 0.200.79below the sector's middle half▲ 0.040.84below the sector's middle half▲ 0.050.84below the sector's middle half▼ 0.01
Return on assets (ROA)41.8%above the sector's middle half▲ 2.3pp58.0%above the sector's middle half▲ 16.2pp92.4%above the sector's middle half▲ 34.3pp79.1%above the sector's middle half▼ 13.2pp157.7%above the sector's middle half▲ 78.6pp
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
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 52% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €47,556
Fixed assets
€8,681 ▼ 13.7%
Current assets
€38,875 ▼ 18.5%
Equity and liabilities €47,556
Equity
€1,000 =
Debt
€46,556 ▼ 17.9%
Debt's share of the balance-sheet total falls from 98.3% to 97.9%. Debt is lower.
Key figures and ratios
EBITDA
€103,016▲
2024 · €71,871
Cash flow
€77,457▲
2024 · €51,203
Debt to equity
46.56▼
2024 · 56.73
Interest coverage
96.38▲
2024 · 53.04
Debt ≤ 1 year
€46,545▼
2024 · €56,730
Income taxes
€24,528▲
2024 · €19,318
A ratio outside any meaningful range has been withheld (balance sheet total €47,556, equity €1,000).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,325 companies that looked in July 2024 the way this one looks now, 1.4% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency under 10%
- a profit of 5% of the balance sheet or more
1.4%
went bankrupt
3.2%
stopped otherwise
95%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 1,325 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €0 | - | - | €0 | - | - |
| Goods, raw materials, services and sundry goods60/61 | €0 | - | - | €0 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,771 | €3,702 | €6,230 | €5,535 | €2,451 | ▼ 55.7% |
| Other operating charges640/8 | €456 | €1,147 | €991 | €852 | €409 | ▼ 52.0% |
| Non-recurring operating charges66A | €299 | €392 | €889 | €694 | €953 | ▲ 37.3% |
| Gross operating margin9900 | €50,397 | €69,087 | €82,047 | €73,417 | €104,378 | ▲ 42.2% |
| Operating profit (loss)9901 | €47,871 | €63,846 | €73,937 | €66,335 | €100,565 | ▲ 51.6% |
| Financial income75/76B | €15 | €1 | €12 | €5 | €38 | ▲ 658% |
| Recurring financial income75 | €15 | €1 | €12 | €5 | €38 | ▲ 658% |
| Financial charges65/66B | €461 | €1,282 | €1,977 | €1,355 | €1,069 | ▼ 21.1% |
| Recurring financial charges65 | €461 | €1,282 | €1,977 | €1,355 | €1,069 | ▼ 21.1% |
| Profit (loss) for the period before taxes9903 | €47,425 | €62,565 | €71,971 | €64,985 | €99,534 | ▲ 53.2% |
| Income taxes67/77 | €11,675 | €17,787 | €14,325 | €19,318 | €24,528 | ▲ 27.0% |
| Profit (loss) for the period9904 | €35,750 | €44,778 | €57,646 | €45,667 | €75,006 | ▲ 64.2% |
| Profit (loss) for the period to be appropriated9905 | €35,750 | €44,778 | €57,646 | €45,667 | €75,006 | ▲ 64.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €85,459 | €77,176 | €62,420 | €57,730 | €47,556 | ▼ 17.6% |
| Formation expenses20 | €0 | €0 | €0 | €0 | €0 | - |
| Fixed assets21/28 | €4,448 | €19,460 | €13,604 | €10,056 | €8,681 | ▼ 13.7% |
| Tangible fixed assets22/27 | €4,448 | €19,460 | €13,604 | €10,056 | €8,681 | ▼ 13.7% |
| Land and buildings22 | - | €0 | - | - | - | - |
| Plant, machinery and equipment23 | - | €6,065 | €5,189 | €3,860 | €3,196 | ▼ 17.2% |
| Furniture and vehicles24 | €4,448 | €13,395 | €8,415 | €6,195 | €5,485 | ▼ 11.5% |
| Current assets29/58 | €81,011 | €57,716 | €48,816 | €47,674 | €38,875 | ▼ 18.5% |
| Amounts receivable after more than one year29 | €15,950 | €15,950 | €0 | - | - | - |
| Trade receivables290 | €15,950 | €15,950 | €0 | - | - | - |
| Amounts receivable within one year40/41 | €18,787 | €19,240 | €13,890 | €131 | €16 | ▼ 88.1% |
| Trade receivables40 | €16,809 | €12,133 | €12,951 | €126 | - | - |
| Other amounts receivable41 | €1,978 | €7,106 | €939 | €4 | €16 | ▲ 272% |
| Current investments50/53 | - | - | - | - | €15,503 | - |
| Cash at bank and in hand54/58 | €45,711 | €20,419 | €33,809 | €46,139 | €22,148 | ▼ 52.0% |
| Deferred charges and accrued income490/1 | €563 | €2,108 | €1,117 | €1,404 | €1,208 | ▼ 14.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €85,459 | €77,176 | €62,420 | €57,730 | €47,556 | ▼ 17.6% |
| Equity10/15 | €1,000 | €1,000 | €1,000 | €1,000 | €1,000 | = |
| Contributions10/11 | €1,000 | €1,000 | €1,000 | €1,000 | €1,000 | = |
| Reserves13 | €0 | - | - | - | - | - |
| Non-distributable reserves130/1 | €0 | - | - | - | - | - |
| Reserves not available under the articles1311 | €0 | - | - | - | - | - |
| Distributable reserves133 | €0 | - | - | - | - | - |
| Amounts payable17/49 | €84,459 | €76,176 | €61,420 | €56,730 | €46,556 | ▼ 17.9% |
| Amounts payable after more than one year17 | €0 | - | - | - | - | - |
| Financial debts170/4 | €0 | - | - | - | - | - |
| Amounts payable within one year42/48 | €84,459 | €76,176 | €61,420 | €56,730 | €46,545 | ▼ 18.0% |
| Current portion of amounts payable after more than one year42 | €2,686 | €0 | €0 | - | - | - |
| Trade debts44 | €7,026 | €3,356 | €0 | €0 | €361 | - |
| Suppliers440/4 | €7,026 | €3,356 | - | €0 | €361 | - |
| Advances received on contracts in progress46 | €14,912 | €0 | - | - | - | - |
| Taxes, remuneration and social security45 | €8,182 | €19,060 | €12,421 | €16,531 | €22,501 | ▲ 36.1% |
| Taxes450/3 | €8,182 | €19,060 | €12,421 | €16,531 | €22,488 | ▲ 36.0% |
| Remuneration and social security454/9 | - | - | - | €0 | €13 | - |
| Other amounts payable47/48 | €51,653 | €53,760 | €48,999 | €40,199 | €23,683 | ▼ 41.1% |
| Accrued charges and deferred income492/3 | - | - | - | - | €11 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €35,750 | €44,778 | €57,646 | €45,667 | €75,006 | ▲ 64.2% |
| + Depreciation and write-downs630 | €1,771 | €3,702 | €6,230 | €5,535 | €2,451 | ▼ 55.7% |
| Operating cash flow (approximation) | €37,521 | €48,480 | €63,876 | €51,203 | €77,457 | ▲ 51.3% |
| Investment in fixed assets (approximation) | - | -€18,714 | -€374 | -€1,987 | -€1,076 | ▲ 45.8% |
| Change in cash | - | -€25,292 | €13,390 | €12,330 | -€23,991 | ▼ 295% |
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
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
21-05
State Gazette act
Founder · Power of attorney
Other statement · Incorporation
2025
31-12
Financial
Highest result since 2018net €75,006 ▲64.2%
Operating result €100,565, net result €75,006, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
04-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 4 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Weakest financial yearnet €5,915 ▼63.4%
Net result drops to €5,915, the lowest in the series; recovery starts the following year.
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 14 days late
20-06
State Gazette act
Board meeting · Power of attorney
Show earlier events
09-01
State Gazette act
Board meeting · Power of attorney
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
18-07
State Gazette act
Decision · Power of attorney
18-07
State Gazette act
General meeting · Director appointment
Permanent representative · Mandate compensation
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB 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, Oreye · 1 establishment unit since 2015
Ground area
1,142 m²
Building footprint
134 m²
Volume, LiDAR
1,282 m³
Parcel 64442A0304/00P000, Wallonia · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
DIDIER SMET
since 20152.247.204.245
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64442A0304/00P000 | Wallonia | 1,142 m² | 1 · 134 m² | 11.6 m · 3 fl. |
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.
Structure & network
Connections & network
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Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
11 locations
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Of 82,601 companies in sector 70200 we hold annual accounts for 52,615. 4,951 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
Founded29-09-2015
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
68322Real estate appraisal on a fee or contract basis
E-invoicing
Reachable via Peppol
Peppol ID
0208:0638934149
Registered
07-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.