FACTER
ActiveSummary
FACTER has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €162k and a net result of €85k. Equity is growing by ~29.2% per year across the filed fiscal years. Its solvency ranks better than 49% of 31791 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency79▼-21
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 2.13 against 8.09 in 2024; short-term debt: 45.7% and cash: 91.4% of total assets), and 45.8% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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
54.2%
Return on assets
28.3%
Age of the figures
9 mo
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 d early
2024
52 d early
2023
32 d early
2022
32 d early
← 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
History
Financials · fiscal year 2025, micro schema
Equity
€162k▼ 16.9%
2024 · €195k
Total assets
€299k▲ 34.5%
2024 · €223k
Net result
€85k▼ 18.8%
2024 · €104k
Working capital
€155k▼ 19.3%
2024 · €192k
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
Line2022202320242025
Operating result€67k-€50k▼ 25.2%€134k▲ 165%€107k▼ 20.1%
Net result€52k-€39k▼ 25.5%€104k▲ 168%€85k▼ 18.8%
Equity€54k-€92k▲ 70.6%€195k▲ 112%€162k▼ 16.9%
Total assets€72k-€115k▲ 61.3%€223k▲ 92.9%€299k▲ 34.5%
Debt€18k-€23k▲ 33.2%€27k▲ 16.4%€137k▲ 403%
Working capital€45k-€86k▲ 93.1%€192k▲ 122%€155k▼ 19.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 20% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €299k
Fixed assets
€7k ▲ 120%
Current assets
€292k ▲ 33.2%
Equity and liabilities €299k
Equity
€162k ▼ 16.9%
Debt
€137k ▲ 403%
Debt's share of the balance-sheet total rises from 12.3% to 45.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€109k▼
2024 · €136k
Cash flow
€86k▼
2024 · €106k
Current ratio
2.13▼
2024 · 8.09
Debt to equity
0.85▲
2024 · 0.14
ROE
52.1%▼
2024 · 53.4%
ROA
28.3%▼
2024 · 46.8%
Interest coverage
139.22▲
2024 · 138.26
Debt ≤ 1 year
€137k▲
2024 · €27k
Income taxes
€23k▼
2024 · €30k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3k | €2k | €2k | €2k | ▼ 19.6% |
| Other operating charges640/8 | €201 | €1k | €391 | €804 | ▲ 105% |
| Non-recurring operating charges66A | - | €5k | - | €173 | - |
| Gross operating margin9900 | €71k | €59k | €137k | €110k | ▼ 19.6% |
| Operating profit (loss)9901 | €67k | €50k | €134k | €107k | ▼ 20.1% |
| Financial income75/76B | €0 | €23 | €715 | €1k | ▲ 94.2% |
| Recurring financial income75 | €0 | €23 | €715 | €1k | ▲ 94.2% |
| Financial charges65/66B | €1k | €967 | €986 | €782 | ▼ 20.6% |
| Recurring financial charges65 | €1k | €967 | €986 | €782 | ▼ 20.6% |
| Profit (loss) for the period before taxes9903 | €66k | €50k | €134k | €108k | ▼ 19.4% |
| Income taxes67/77 | €14k | €11k | €30k | €23k | ▼ 21.6% |
| Profit (loss) for the period9904 | €52k | €39k | €104k | €85k | ▼ 18.8% |
| Profit (loss) for the period to be appropriated9905 | €52k | €39k | €104k | €85k | ▼ 18.8% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €72k | €115k | €223k | €299k | ▲ 34.5% |
| Formation expenses20 | €162 | - | - | - | - |
| Fixed assets21/28 | €9k | €6k | €3k | €7k | ▲ 120% |
| Tangible fixed assets22/27 | €9k | €6k | €3k | €7k | ▲ 120% |
| Furniture and vehicles24 | €4k | €4k | €2k | €4k | ▲ 95.9% |
| Other tangible fixed assets26 | €5k | €1k | €1k | €3k | ▲ 170% |
| Current assets29/58 | €62k | €110k | €219k | €292k | ▲ 33.2% |
| Amounts receivable within one year40/41 | €17k | €11k | €30k | €17k | ▼ 43.8% |
| Trade receivables40 | €17k | €11k | €30k | €17k | ▼ 44.3% |
| Other amounts receivable41 | - | €3 | - | €139 | - |
| Current investments50/53 | - | - | €100k | - | - |
| Cash at bank and in hand54/58 | €45k | €97k | €87k | €274k | ▲ 214% |
| Deferred charges and accrued income490/1 | €1k | €1k | €2k | €1k | ▼ 27.2% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €72k | €115k | €223k | €299k | ▲ 34.5% |
| Equity10/15 | €54k | €92k | €195k | €162k | ▼ 16.9% |
| Contributions10/11 | €3k | €3k | €3k | €3k | = |
| Reserves13 | €51k | €89k | €193k | €160k | ▼ 17.2% |
| Distributable reserves133 | €51k | €89k | €193k | €160k | ▼ 17.2% |
| Amounts payable17/49 | €18k | €23k | €27k | €137k | ▲ 403% |
| Amounts payable within one year42/48 | €18k | €23k | €27k | €137k | ▲ 405% |
| Financial debts43 | €24 | €152 | €37 | €38 | ▲ 1.6% |
| Credit institutions430/8 | €24 | €152 | €37 | €38 | ▲ 1.6% |
| Trade debts44 | €2k | €1k | €2k | €3k | ▲ 52.6% |
| Suppliers440/4 | €2k | €1k | €2k | €3k | ▲ 52.6% |
| Taxes, remuneration and social security45 | €13k | €18k | €19k | €9k | ▼ 56.0% |
| Taxes450/3 | €13k | €18k | €18k | €9k | ▼ 53.4% |
| Remuneration and social security454/9 | - | - | €1k | - | - |
| Other amounts payable47/48 | €3k | €4k | €6k | €125k | ▲ 2,157% |
| Accrued charges and deferred income492/3 | - | - | €188 | €213 | ▲ 13.3% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €52k | €39k | €104k | €85k | ▼ 18.8% |
| + Depreciation and write-downs630 | €3k | €2k | €2k | €2k | ▼ 19.6% |
| Operating cash flow (approximation) | €56k | €41k | €106k | €86k | ▼ 18.9% |
| Investment in fixed assets (approximation) | - | €2k | €0 | €-6k | - |
| Change in cash | - | €53k | €-10k | €187k | ▲ 1,899% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
09-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €104k ▲168%
Operating result €134k, net result €104k, both a record.
31-12
Financial
Equity above €150kEq €195k ▲112%
3 profitable years in a row build equity to €195k.
29-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €39k ▼25.5%
Net result drops to €39k, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Gent · 1 establishment unit since 2022
Ground area
1,228 m²
Building footprint
1,049 m²
Volume, LiDAR
6,968 m³
2 parcels, Flanders · tallest building 30.0 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
FACTER
since 20222.327.846.184
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44815F1249/00L000 | Flanders | 756 m² | 1 · 577 m² | - |
| 44804D2709/00F009 | Flanders | 472 m² | 1 · 472 m² | 29.9 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.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
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Of 5,710 companies in sector 70100 we hold annual accounts for 3,495. 2,366 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
Founded24-01-2022
Fiscal year end31-12
Activities, NACEBEL 2025
70100Activities of head offices
64210Activities of holding companies
82990Other business support services
Scores and ratios are computed by Checked and are not a credit decision.