FACADE EXPRESS
ActiveSummary
FACADE EXPRESS has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €182k and a net result of €46k. Equity remains stable across the filed fiscal years (±1.7% per year). Its solvency ranks better than 85% of 7838 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability93▲+12
Solvency100▲+6
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 8.14 against 11.7 in 2024; short-term debt: 11.8% and cash: 10.9% of total assets), and 23.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
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
76.8%
Return on assets
19.3%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €182k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
on the day
2023
20 d late
2022
22 d late
2021
17 d early
2020
4 d late
2019
58 d late
← 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, abbreviated schema
Equity
€182k▲ 33.7%
2024 · €136k
Total assets
€237k▲ 21.0%
2024 · €196k
Net result
€46k▲ 135%
2024 · €20k
Working capital
€200k▲ 13.4%
2024 · €176k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€-19k▲ 73.7%€29k€-19k€24k€58k▲ 142%
Net result€-20k▲ 72.8%€26k€-22k€20k€46k▲ 135%
Equity€112k▼ 15.0%€138k▲ 22.9%€116k▼ 15.7%€136k▲ 16.8%€182k▲ 33.7%
Total assets€195k▼ 6.5%€212k▲ 8.8%€174k▼ 17.8%€196k▲ 12.1%€237k▲ 21.0%
Debt€56k▲ 12.8%€47k▼ 15.4%€31k▼ 34.2%€33k▲ 5.3%€28k▼ 14.4%
Working capital€127k▼ 10.2%€141k▲ 10.5%€130k▼ 7.8%€176k▲ 35.8%€200k▲ 13.4%
Staff (FTE)11=1=1=
Turnover and EBIT margin not published: the abbreviated or 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 142% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €237k
Fixed assets
€9k ▲ 197%
Current assets
€228k ▲ 18.2%
Equity and liabilities €237k
Equity
€182k ▲ 33.7%
Provisions
€27k =
Debt
€28k ▼ 14.4%
Debt's share of the balance-sheet total falls from 16.7% to 11.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€59k▲
2024 · €27k
Cash flow
€47k▲
2024 · €22k
Current ratio
8.14▼
2024 · 11.70
Quick ratio
7.78▼
2024 · 11.09
Debt to equity
0.15▼
2024 · 0.24
ROE
25.2%▲
2024 · 14.4%
ROA
19.3%▲
2024 · 10.0%
Interest coverage
388.73▲
2024 · 165.43
Debt ≤ 1 year
€28k▲
2024 · €16k
Income taxes
€12k▲
2024 · €4k
Staff costs
€80k▲
2024 · €79k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €91k | €68k | €77k | €79k | €80k | ▲ 1.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6k | €1k | €3k | €3k | €1k | ▼ 49.8% |
| Other operating charges640/8 | €10k | €2k | €5k | €3k | €2k | ▼ 34.2% |
| Non-recurring operating charges66A | - | - | - | - | €3k | - |
| Gross operating margin9900 | €88k | €100k | €66k | €109k | €144k | ▲ 32.2% |
| Operating profit (loss)9901 | €-19k | €29k | €-19k | €24k | €58k | ▲ 142% |
| Financial income75/76B | - | - | - | €70 | €14 | ▼ 79.5% |
| Recurring financial income75 | - | - | - | €70 | €14 | ▼ 79.5% |
| Financial charges65/66B | €202 | €2k | €1k | €161 | €152 | ▼ 5.5% |
| Recurring financial charges65 | €202 | €2k | €1k | €161 | €152 | ▼ 5.5% |
| Profit (loss) for the period before taxes9903 | €-19k | €27k | €-21k | €24k | €58k | ▲ 142% |
| Income taxes67/77 | €919 | €1k | €1k | €4k | €12k | ▲ 176% |
| Profit (loss) for the period9904 | €-20k | €26k | €-22k | €20k | €46k | ▲ 135% |
| Profit (loss) for the period to be appropriated9905 | €-20k | €26k | €-22k | €20k | €46k | ▲ 135% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €195k | €212k | €174k | €196k | €237k | ▲ 21.0% |
| Fixed assets21/28 | €12k | €24k | €14k | €3k | €9k | ▲ 197% |
| Tangible fixed assets22/27 | €1k | €14k | €3k | €286 | €6k | ▲ 1,992% |
| Plant, machinery and equipment23 | €1k | €657 | - | - | €2k | - |
| Furniture and vehicles24 | - | €13k | €3k | €286 | €4k | ▲ 1,399% |
| Financial fixed assets28 | €11k | €11k | €11k | €3k | €3k | ▲ 12.6% |
| Current assets29/58 | €183k | €188k | €161k | €193k | €228k | ▲ 18.2% |
| Stocks and contracts in progress3 | €10k | €10k | €10k | €10k | €10k | = |
| Stocks30/36 | €10k | €10k | €10k | €10k | €10k | = |
| Amounts receivable within one year40/41 | €170k | €170k | €150k | €148k | €182k | ▲ 23.1% |
| Trade receivables40 | €168k | €170k | €147k | €146k | €171k | ▲ 17.2% |
| Other amounts receivable41 | €2k | - | €3k | €2k | €11k | ▲ 463% |
| Current investments50/53 | - | - | - | €0 | €14 | ▲ 47,700% |
| Cash at bank and in hand54/58 | €2k | €8k | €956 | €25k | €26k | ▲ 3.4% |
| Deferred charges and accrued income490/1 | - | - | - | €10k | €10k | = |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €195k | €212k | €174k | €196k | €237k | ▲ 21.0% |
| Equity10/15 | €112k | €138k | €116k | €136k | €182k | ▲ 33.7% |
| Contributions10/11 | €81k | €81k | €81k | €81k | €81k | = |
| Capital10 | €81k | €81k | €81k | €81k | €81k | = |
| Issued capital100 | €81k | €81k | €81k | €81k | €81k | = |
| Reserves13 | €8k | €8k | €8k | €8k | €8k | = |
| Non-distributable reserves130/1 | €8k | €8k | €8k | €8k | €8k | = |
| Legal reserve130 | €8k | €8k | €8k | €8k | €8k | = |
| Profit (loss) carried forward14 | €24k | €50k | €28k | €47k | €93k | ▲ 96.8% |
| Provisions and deferred taxes16 | €27k | €27k | €27k | €27k | €27k | = |
| Provisions for liabilities and charges160/5 | €27k | €27k | €27k | €27k | €27k | = |
| Other liabilities and charges164/5 | €27k | €27k | €27k | €27k | €27k | = |
| Amounts payable17/49 | €56k | €47k | €31k | €33k | €28k | ▼ 14.4% |
| Amounts payable within one year42/48 | €56k | €47k | €31k | €16k | €28k | ▲ 70.0% |
| Trade debts44 | €15k | €17k | €16k | €3k | €6k | ▲ 83.9% |
| Suppliers440/4 | €15k | €17k | €16k | €3k | €6k | ▲ 83.9% |
| Taxes, remuneration and social security45 | €30k | €19k | €13k | €13k | €22k | ▲ 66.8% |
| Taxes450/3 | €5k | €9k | €5k | €9k | €18k | ▲ 110% |
| Remuneration and social security454/9 | €25k | €11k | €7k | €5k | €4k | ▼ 8.4% |
| Other amounts payable47/48 | €11k | €11k | €2k | - | - | - |
| Accrued charges and deferred income492/3 | - | - | - | €16k | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-20k | €26k | €-22k | €20k | €46k | ▲ 135% |
| + Depreciation and write-downs630 | €6k | €1k | €3k | €3k | €1k | ▼ 49.8% |
| Operating cash flow (approximation) | €-14k | €27k | €-18k | €22k | €47k | ▲ 112% |
| Investment in fixed assets (approximation) | - | €-14k | €7k | €8k | €-7k | ▼ 193% |
| Change in cash | - | €5k | €-7k | €24k | €841 | ▼ 96.5% |
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
31-12
Financial
Highest result since 2018net €46k ▲135%
Operating result €58k, net result €46k, both a record.
31-12
Financial
Equity above €150kEq €182k ▲33.7%
2 profitable years in a row build equity to €182k.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 11.70
Current ratio from 5.18 to 11.70; short-term debt falls from €31k to €16k.
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
31-12
Financial
Back to profitnet €26k
Net result €26k after 2 loss-making years.
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
04-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 4 days late
2020
31-12
Financial
Weakest financial yearnet €-73k
Net result drops to €-73k, the lowest in the series; recovery starts the following year.
Show earlier events
27-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 58 days late
2019
16-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 16 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 days late
2017
30-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Evere · 1 establishment unit since 1984
Ground area
3,413 m²
Building footprint
1,154 m²
Volume, LiDAR
16,692 m³
2 parcels, Brussels · tallest building 24.3 m, ±6 floors. Linked by address, not a title deed.
23
companies at this address
See who is registered here
1 establishment unit
Brugmannlaan 216, 1050 Elsene
since 19842.024.442.161
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21372C0132/00W000 | Brussels | 2,237 m² | 1 · 1,024 m² | 24.3 m · 6 fl. |
| 21447B0310/00K043 | Brussels | 1,176 m² | 1 · 130 m² | 19.9 m · 6 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 7,299 companies in sector 43350 we hold annual accounts for 2,360. 1,835 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 (pre-2019)
Founded12-03-1984
Fiscal year end31-12
Activities, NACEBEL 2025
43350Other building finishing work
43990Other specialised construction activities
Scores and ratios are computed by Checked and are not a credit decision.