FACOBEL
ActiveThe computed 12-month bankruptcy probability of FACOBEL is 2.0% (moderate). The 2024 annual accounts show equity of €98k and a net result of €8k. Equity is growing by ~19.8% per year across the filed fiscal years. Its solvency ranks better than 63% of 9981 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability74▲+5
Solvency80▼-17
Growth35=
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days only on tighter terms
Liquidity ample (current ratio 2.49 against 5.26 in 2023; short-term debt: 38.8% and cash: 64.3% of total assets), and 45.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
54.6%
Return on assets
4.4%
Age of the figures
21 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-10-2025, 91 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
91 d late
2023
55 d late
2022
253 d late
2021
251 d late
2020
201 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€290k▼ 37.1%
2020 · €461k
2020: €461k
2020 → 2021
EBIT margin
10.6%▼ 0.8pp
2020 · 11.4%
2020: 11.4%
2020 → 2021
Net result
€8k▼ 50.0%
2023 · €16k
2020: €39k
2021: €22k
2022: €10k
2023: €16k
2020 → 2024
Working capital
€104k▲ 1.7%
2023 · €102k
2020: €127k
2021: €87k
2022: €98k
2023: €102k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€461k-€290k▼ 37.1%
Equity€42k-€64k▲ 53.9%€74k▲ 15.7%€90k▲ 21.2%€98k▲ 8.7%
Operating result€53k-€31k▼ 41.5%€13k▼ 58.3%€20k▲ 55.5%€11k▼ 43.5%
Net result€39k-€22k▼ 42.7%€10k▼ 55.2%€16k▲ 56.2%€8k▼ 50.0%
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 43% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €179k
Fixed assets
€6k
Current assets
€173k
Equity and liabilities €179k
Equity
€98k▲ 8.7%
Provisions
€12k=
Debt
€70k▲ 191%
The debt ratio rises from 19.0% to 38.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€12k
Cash flow
€8k
Solvency
54.6%▼
2023 · 71.6%
Current ratio
2.49▼
2023 · 5.26
Quick ratio
2.49▼
2023 · 5.26
Debt / equity
0.71▲
2023 · 0.27
ROE
8.0%▼
2023 · 17.5%
ROA
4.4%▼
2023 · 12.5%
Interest coverage
30.22
Debt
€70k▲
2023 · €24k
Debt ≤ 1 year
€70k▲
2023 · €24k
Income taxes
€3k▼
2023 · €4k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€126k€179k▲
Fixed assets21/28-€6k
Tangible fixed assets22/27-€6k
Furniture and vehicles24-€6k
Current assets29/58€126k€173k▲
Amounts receivable within one year40/41€104k€58k▼
Trade receivables40€104k€43k▼
Other amounts receivable41-€15k
Cash at bank and in hand54/58€21k€115k▲
Equity and liabilities
Total equity and liabilities10/49€126k€179k▲
Equity10/15€90k€98k▲
Contributions10/11€3k€3k=
Reserves13-€8k
Distributable reserves133-€8k
Profit (loss) carried forward14€87k€87k=
Provisions and deferred taxes16€12k€12k=
Provisions for liabilities and charges160/5€12k€12k=
Other liabilities and charges164/5€12k€12k=
Amounts payable17/49€24k€70k▲
Amounts payable within one year42/48€24k€70k▲
Trade debts44€16k€62k▲
Suppliers440/4€16k€62k▲
Taxes, remuneration and social security45€8k€7k▼
Taxes450/3€8k€7k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€558
Other operating charges640/8€743€387▼
Non-recurring operating charges66A€165€232▲
Gross operating margin9900€21k€13k▼
Operating profit (loss)9901€20k€11k▼
Financial income75/76B-€383
Recurring financial income75-€383
Financial charges65/66B€330€394▲
Recurring financial charges65€330€394▲
Profit (loss) for the period before taxes9903€20k€11k▼
Income taxes67/77€4k€3k▼
Profit (loss) for the period9904€16k€8k▼
Profit (loss) for the period to be appropriated9905€16k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€87k€95k▲
Profit (loss) brought forward from the previous period14P€72k€87k▲
Transfer to equity691/2-€8k
To other reserves6921-€8k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 91 days late
2024
31-12
Financial
Weakest financial yearnet €8k ▼50%
Net result drops to €8k, the lowest in the series.
24-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 55 days late
09-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 253 days late
2023
31-12
Financial
Liquidity triplescurrent ratio 5.26
Current ratio from 1.85 to 5.26; short-term debt falls from €115k to €24k.
08-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 251 days late
2022
17-02
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 201 days late
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, Dilbeek · 1 establishment unit since 2019
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.
Pastoor Cooremansstraat 31702 DilbeekGround area
7,295 m²
Building footprint
4,041 m²
Volume, LiDAR
15,759 m³
2 parcels, Brussels, Flanders · tallest building 40.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
FACOBEL
since 20192.292.999.331
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23026A0132/00G006 | Flanders | 4,983 m² | 1 · 2,316 m² | - |
| 21306D0325/00F000 | Brussels | 2,312 m² | 1 · 1,725 m² | 40.0 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
NELZAK
BE 0769.416.866
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SCHACHT STIJN
BE 0836.933.816
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HALL-IN
BE 0763.343.577
Beauraing · Eq €98k
EUROCONCEPT CONSTRUCT
BE 0899.721.124
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BOUWBEDRIJF COOLS
BE 0882.869.947
Mol · Eq €98k
Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 13,161 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-09-2019
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
81210General cleaning of buildings
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:facobelsprl@gmail.com
Phone:+32465137606