FACOS · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of FACOS is 0.7% (low). The 2025 annual accounts show equity of €51k and a net result of €51k. Its solvency ranks better than 10% of 513 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Signals

1 signal · with evidence

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 513 sector peers (2025).

View the sector comparison

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-07-2026, 14 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

How we compute the deadline

There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	17-07-2026	14 d early	2026-00305210

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Young company

Founded in 2025, under 3 years, statistically higher risk.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.7% Low

0%0,5%1,5%4%10%≥25%

Lower-risk legal form −Higher-failure-rate region +Higher-failure-rate sector +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

Turnover€9.52M

EBIT margin1.2%

Net result€51k

Working capital€-64k

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 17-07-2026 with the NBB · fiscal year 2025 · volledig

Sector comparison

Fiscal year 2025 · NACE 81, Cleaning & landscape services · compared across all schema types (micro, abbreviated and full combined)

Metric	This company	Sector median	Position in the sector
Solvency	1.7%	38.6%	better than 10% of 513 sector peers
Net result	€51k	€13k	better than 83% of 508 sector peers
Equity	€51k	€42k	better than 54% of 513 sector peers
Staff costs	€8.54M	€50k	higher than 95% of 245 sector peers
Employees (FTE)	187.1	4.7	better than 95% of 42 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	volledig
Revenue	€9.52M
EBITDA	€151k
Net profit	€51k
Cash flow	€85k
Staff costs	€8.54M
Income taxes	€47k
Dividends	-
Total assets	€2.94M
Equity	€51k
Debt	€2.88M
of which ≤ 1y	€2.88M
of which > 1y	-
Working capital	€-64k
Employees (FTE)	187.1

Ratios (computed)

	2025
Current ratio	0.98
Quick ratio	0.98
Working capital ratio	-2.2%
Solvency	1.7%
Debt / equity	56.70
Long-term debt ratio	-
Interest coverage	8.42
Gross margin	98.7%
Net margin	0.5%
ROA	1.7%
ROE	100.0%
EBITDA margin	1.6%
Days sales outstanding	66d
Days payable outstanding	473d
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €114k · 3.9% Current assets €2.82M · 96.1%

Equity & liabilities

Equity €51k · 1.7% Debt €2.88M · 98.3%

Full annual accounts (21 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€2.94M
Fixed assets	21/28	€114k
Tangible fixed assets	22/27	€114k
Current assets	29/58	€2.82M
Amounts receivable within one year	40/41	€1.73M
Cash & bank	54/58	€988k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€2.94M
Equity	10/15	€51k
Contributions / capital	10/11	€4
Accumulated profits (losses)	14	€51k
Amounts payable	17/49	€2.88M
Amounts payable within one year	42/48	€2.88M
Trade debts payable within one year	44	€160k
Income statement
Turnover	70	€9.52M
Operating result	9901	€116k
Financial income	75	€216
Financial charges	65	€18k
Result before taxes	9903	€98k
Income taxes	67/77	€47k
Net result for the period	9904	€51k
Result to be appropriated	9905	€51k

Ratios computed by Checked.

Health barometer

FY 2025 · computed

50 / 100 Fair

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Directors

Directors & mandates

No directors on record

No directors or mandates are on record for this company in the CBE. Not every legal form publishes directors; if they appear in the Belgian State Gazette later, they show up here automatically.

Statutory auditor

1 auditor

Statutory auditor	IRE/IBR number	Tenure
Groupe Audit BelgiumCurrent Statutory auditor · represented by Werner Claeys	-	16-10-2025 → present

Appointed statutory auditor from the Belgian State Gazette. The IRE/IBR number refers to the register of the Institute of Registered Auditors.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary	Algemene reiniging van gebouwen(81210)
Legal form	Cooperative company(706)
Incorporation	16-01-2025
Status	Active
Postal code	1090

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

35 companies at this address See who is registered here

Establishment units

1 location

FACOS

Laarbeeklaan 101, 1090 JetteAlgemene reiniging van gebouwen

since 20252.370.173.818

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area21.7 ha

Buildings1

Building footprint1,070 m²

Volume (LiDAR)3,422 m³

Tallest building9.6 m · ±1 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Brussels 1 (100%)