Equity
€162,180 ▼ 16.9%
FACTER paid out €117,647 in dividends. That is 139% of the 2025 profit.
FACTER
Lifetime
4 annual accounts with figures on one time axispeak €136,655 (2024)
€109,917▼ 19.6%
peak €104,195 (2024)
€84,571▼ 18.8%
peak €195,256 (2024)
€162,180▼ 16.9%
€137,118▲ 403%
Board1 name since 2022
1 directorVAN WYNSBERGHE Frederik
Documentsfilings and deeds
08-06-202653 days before the deadline
2025micro format
Gross margin from €136,655 to €109,917Dividend €117,647Equity from €195,256 to €162,180Debts from €27,284 to €137,118Investments €5,780Cash from €87,056 to €273,651
Key points
from the 2025 annual accountsTurnover
≈ €180,000 estimated
The micro format states no turnover.
Debts
€137,118 ▲ 403%
Debts rose by €109,834 in 2025. A dividend stands under other debts on the balance sheet date until it is paid.
Investments
€5,953 3.3 × depreciation
Green is investment, beige is depreciation.
Liquidity
2.13 was 8.09 in 2024
Short-term debts rose from €27,096 to €136,905.
Position in the sector
€84,571
Higher net result than 81% of companies in head offices and management consultancy. Sector median €27,138 · 39,380 companies.
Checked score
95
Excellent
Financially stronger than 57% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,570 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: 0.1%▲ +0.1 percentage points vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025highest value
08-2025: 0.1%● unchanged vs 07-2025highest value
09-2025: 0.1%● unchanged vs 08-2025highest value
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: < 0.1%▼ -0.1 percentage points vs 06-2026lowest value
08-2026: < 0.1%● unchanged vs 07-2026lowest value
09-2026: < 0.1%● unchanged vs 08-2026lowest value
10-2026: < 0.1%● unchanged vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
lowers risk
Liquidity: current ratio 2.13, cash €273,651
Sector: Activities of head offices; management consultancy activities (NACE 70)
Size: total assets €299,298
Equity €162,180 (54.2% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 50% of them on solvency, 69% on liquidity, 84% on profitability and 24% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as FACTER has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of FACTER itself is lower: < 0.1% within 12 months. It rests on far more data about FACTER than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for FACTER. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €15,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.13 (8.09 in 2024), above the usual 1.5. Short-term debt is 45.7% and cash 91.4% of total assets. 45.8% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
5 signals, none raises the risk
Five signals.
lowers riskneutral
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 08-06-2026, 53 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
53 days early
2024
52 days early
2023
32 days early
2022
32 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 42 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 19 June (4 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0780827828
Registered office moved within Ghent
New registered office: Franklin Rooseveltlaan 432, 9000 Gent · Previous registered office: Korenlei 21a, 9000 Gent, België · Board meeting of 08-04-2024 · Gazette deed
Registered office moved from Destelbergen to Ghent
New registered office: Korenlei 21a, 9000 Gent · Previous registered office: Leenstraat 46, 9070 Destelbergen, België · Board meeting of 01-06-2022 · Gazette deed
Incorporation
Founding capital of €2,500, 100 shares · Founder: VAN WYNSBERGHE Frederik (enige aandeelhouder) · Appointment: VAN WYNSBERGHE Frederik (director) · published on 26-01-2022 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| FACTER Ghent | €299,298 | €109,917 | 54.2% | - |
| Vicarsi Wortegem-Petegem | €298,623 | €107,898 | 16.0% | - |
| BLOOM& CO Lochristi | €263,307 | €125,449 | 54.7% | - |
| RANER Sint-Niklaas | €330,931 | €113,244 | 90.8% | - |
| Samso Edegem | €260,615 | €112,930 | 80.5% | - |
| ENJA BUSINESS Amblève | €291,639 | €98,116 | 50.8% | - |
| EDISON CONSULTING Eupen | €350,543 | €107,111 | 16.0% | - |
These companies have the same main activity as FACTER: activities of head offices (NACE 70100). They are comparable in size and age: total assets between €261,000 and €351,000, founded between 2021 and 2022.
Official details
Source: KBO- Status
- Active since 24-01-2022Normal situation
- Activity
- Activities of head officesNACE 70100and 2 others
- Establishment unit
- 2.327.846.1849000 Ghent, since 24-01-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 05-02-2025
Annual accounts 2025
- €299,298▲ 34.5%
- Filing
- Filed on 08-06-2026, 53 days before the end of the filing period
Insights on FACTER
FACTER files the micro format. That format states no turnover. The gross margin rose from €71,186 in 2022 to €109,917 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about FACTER
- What is the company number of FACTER?
- The company number of FACTER is 0780.827.828. The VAT number is the same number with BE in front: BE 0780.827.828.
- Where is FACTER based?
- The registered office is at Franklin Rooseveltlaan 432, 9000 Ghent.Company details
- What does FACTER do?
- According to the KBO register, the main activity is activities of head offices (NACE 70100).
- What is the legal form of FACTER?
- FACTER is a private limited company (BV).
- When was FACTER founded?
- FACTER was founded on 24-01-2022.
- Is FACTER still active?
- Yes, FACTER is an active enterprise in the KBO register.
- What is the turnover of FACTER?
- The turnover in financial year 2025 is ≈ €180,000. This figure is estimated from the gross margin of €109,917 and 113 comparable companies (NACE 70). It probably lies between €160,000 and €220,000.Financials
- Is FACTER profitable?
- In financial year 2025, FACTER made a profit of €84,571.
- Where can I find the annual accounts of FACTER?
- FACTER filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of FACTER due?
- FACTER must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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