FACT _
ActiveFACT _ has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €503k and a net result of €66k. Equity is shrinking by ~8.4% per year across the filed fiscal years. Its solvency ranks better than 70% of 11209 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80=
Solvency92▲+4
Growth32=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 3.5 against 3.28 in 2024; short-term debt: 20.6% and cash: 27.9% of total assets), and 32.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
67.3%
Return on assets
8.8%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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
27 d late
2024
29 d early
2023
35 d early
2022
30 d late
2021
48 d early
2020
39 d early
2019
23 d early
← before the deadline
after the deadline →
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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€503k▲ 15.0%
2024 · €438k
2018: €618k
2019: €871k
2020: €682k
2021: €642k
2022: €538k
2023: €475k
2024: €438k
2018 → 2025
Total assets
€748k▲ 7.1%
2024 · €698k
2018: €771k
2019: €962k
2020: €823k
2021: €981k
2022: €804k
2023: €708k
2024: €698k
2018 → 2025
Net result
€66k▲ 5.7%
2024 · €62k
2018: €194k
2019: €253k
2020: €-11k
2021: €-40k
2022: €34k
2023: €-62k
2024: €62k
2018 → 2025
Working capital
€385k▲ 17.9%
2024 · €326k
2018: €500k
2019: €758k
2020: €561k
2021: €484k
2022: €392k
2023: €344k
2024: €326k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€642k-€538k▼ 16.2%€475k▼ 11.6%€438k▼ 8.0%€503k▲ 15.0%
Operating result€-37k-€40k€-60k€69k€74k▲ 6.2%
Net result€-40k-€34k€-62k€62k€66k▲ 5.7%
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 6% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €748k
Fixed assets
€209k▼ 8.6%
Current assets
€539k▲ 14.7%
Equity and liabilities €748k
Equity
€503k▲ 15.0%
Debt
€245k▼ 6.2%
The debt ratio falls from 37.4% to 32.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€95k▼
2024 · €109k
Cash flow
€87k▼
2024 · €102k
Solvency
67.3%▲
2024 · 62.6%
Current ratio
3.50▲
2024 · 3.28
Quick ratio
3.45▲
2024 · 3.26
Debt / equity
0.49▼
2024 · 0.60
ROE
13.1%▼
2024 · 14.2%
ROA
8.8%▼
2024 · 8.9%
Interest coverage
42.93▼
2024 · 84.51
Debt
€245k▼
2024 · €261k
Debt ≤ 1 year
€154k▲
2024 · €143k
Debt > 1 year
€91k▼
2024 · €118k
Income taxes
€7k▲
2024 · €6k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€698k€748k▲
Fixed assets21/28€229k€209k▼
Tangible fixed assets22/27€229k€209k▼
Land and buildings22€201k€189k▼
Plant, machinery and equipment23€3k€1k▼
Furniture and vehicles24€23k€19k▼
Other tangible fixed assets26€2k€260▼
Current assets29/58€470k€539k▲
Stocks and contracts in progress3€2k€7k▲
Stocks30/36€2k€7k▲
Amounts receivable within one year40/41€64k€91k▲
Trade receivables40€57k€89k▲
Other amounts receivable41€6k€1k▼
Current investments50/53€150k€225k▲
Cash at bank and in hand54/58€247k€209k▼
Deferred charges and accrued income490/1€7k€8k▲
Equity and liabilities
Total equity and liabilities10/49€698k€748k▲
Equity10/15€438k€503k▲
Contributions10/11€19k€19k=
Reserves13€419k€485k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€417k€483k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€261k€245k▼
Amounts payable after more than one year17€118k€91k▼
Financial debts170/4€118k€91k▼
Amounts payable within one year42/48€143k€154k▲
Current portion of amounts payable after more than one year42€11k€19k▲
Trade debts44€3k€12k▲
Suppliers440/4€3k€12k▲
Taxes, remuneration and social security45€11k€14k▲
Taxes450/3€11k€14k▲
Other amounts payable47/48€118k€109k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€22k▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€110k€97k▼
Operating profit (loss)9901€69k€74k▲
Financial income75/76B€573€1k▲
Recurring financial income75€573€1k▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€69k€72k▲
Income taxes67/77€6k€7k▲
Profit (loss) for the period9904€62k€66k▲
Transfer from tax-exempt reserves789€0-
Profit (loss) for the period to be appropriated9905€62k€66k▲
Appropriation of the result
Profit (loss) to be appropriated9906€62k€66k▲
Transfer from equity791/2€100k€0▼
Transfer to equity691/2€62k€66k▲
To other reserves6921€62k€66k▲
Profit to be distributed694/7€100k€0▼
Return on contributions (dividend)694€100k€0▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Equity above €500kEq €503k ▲15%
2 profitable years in a row build equity to €503k.
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €62k
Net result €62k after one loss-making year.
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-62k ▼283%
Net result drops to €-62k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Back to profitnet €34k
Net result €34k after 2 loss-making years.
13-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
08-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Highest result since 2018net €253k ▲30.8%
Operating result €371k, net result €253k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 9.36
Current ratio from 4.28 to 9.36; short-term debt falls from €152k to €91k.
27-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 58 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
10-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Diest · 1 establishment unit since 2004
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.
Mariëndaalstraat 363290 DiestGround area
1.3 ha
Building footprint
2,904 m²
Volume, LiDAR
7,831 m³
2 parcels, Flanders · tallest building 17.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
FACT_BVBA
since 20042.134.899.427
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24002I0007/00Y002 | Flanders | 1.1 ha | 1 · 2,648 m² | 17.5 m |
| 24020A0336/00P004 | Flanders | 1,369 m² | 1 · 256 m² | 13.4 m · 3 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
CHARLY WILLEMS
BE 0898.300.568
Diepenbeek · Eq €502k
Logibel en-of Belgische Logistiek
BE 0402.122.606
Boom · Eq €501k
ELLE & LUI FASHION
BE 0476.272.869
Knokke-Heist · Eq €516k
INTENS
BE 0469.464.657
Kontich · Eq €519k
The Factory
BE 0446.777.644
Wetteren · Eq €487k
Of 1,276 companies in sector 46160 we hold annual accounts for 686. 408 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-11-2005
Fiscal year end31-12
Activities, NACEBEL
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
51160
46180Agents specialised in the wholesale of other particular products
51180
70200Business and other management consultancy
70220Business consulting
74142
92340
93299Other amusement and recreation activities
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.