Factivity
ActiveSummary
The annual accounts of Factivity for fiscal year 2025 show a net loss of 64% of the equity at the start of that year. The 2025 annual accounts show equity of €4k and a net result of €-7k. Equity is shrinking by ~18.9% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 21% of 1416 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
41
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability18▲+18
Solvency29▼-5
Growth22=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.05 against 1.1 in 2024; short-term debt: 95.5% and cash: 5.5% of total assets), and 95.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← 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
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 2025Solvency, return and age of the figures
Solvency
4.5%
Return on assets
-7.8%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
202122232425
2020 to 2025 · latest year €-7k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 1416 sector peers (2025).
NBB · sector comparisonPosition among 1416 sector peers
Solvency
better than 21%
← weakest
strongest →
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 27-07-2026, 4 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
4 d early
2024
24 d early
2023
14 d late
2022
4 d late
2021
4 d late
2020
19 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€291k▼ 11.0%
2024 · €327k
2020: €514k
2021: €425k
2022: €461k
2023: €354k
2024: €327k
2020 → 2025
EBIT margin
-1.3%▲ 21.2pp
2024 · -22.4%
2020: 15.7%
2021: 6.5%
2022: 4.8%
2023: -5.5%
2024: -22.4%
2020 → 2025
Net result
€-7k▲ 90.4%
2024 · €-76k
2020: €53k
2021: €20k
2022: €15k
2023: €-20k
2024: €-76k
2020 → 2025
Working capital
€4k▼ 63.5%
2024 · €11k
2020: €71k
2021: €90k
2022: €135k
2023: €87k
2024: €11k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€425k-€461k▲ 8.5%€354k▼ 23.2%€327k▼ 7.8%€291k▼ 11.0%
Equity€91k-€107k▲ 16.8%€87k▼ 18.4%€11k▼ 86.9%€4k▼ 63.5%
Operating result€28k-€22k▼ 19.1%€-19k€-73k▼ 278%€-4k▲ 94.9%
Net result€20k-€15k▼ 23.7%€-20k€-76k▼ 284%€-7k▲ 90.4%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €4k in 2025 against €73k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €93k
Equity
€4k ▼ 63.5%
Debt
€89k ▼ 22.0%
Debt's share of the balance-sheet total rises from 90.9% to 95.5%. Equity and debt are lower.
Key figures and ratios
Current ratio
1.05▼
2024 · 1.10
Debt to equity
21.29▲
2024 · 9.96
ROE
-174.2%▲
2024 · -660.5%
ROA
-7.8%▲
2024 · -60.3%
Debt ≤ 1 year
€89k▼
2024 · €114k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€125k€93k▼
Current assets29/58€125k€93k▼
Amounts receivable within one year40/41€119k€87k▼
Trade receivables40€114k€87k▼
Other amounts receivable41€5k-
Cash at bank and in hand54/58€5k€5k=
Deferred charges and accrued income490/1€856€904▲
Equity and liabilities
Total equity and liabilities10/49€125k€93k▼
Equity10/15€11k€4k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€6k€6k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Profit (loss) carried forward14€-57k€-64k▼
Amounts payable17/49€114k€89k▼
Amounts payable within one year42/48€114k€89k▼
Trade debts44€54k€33k▼
Suppliers440/4€54k€33k▼
Taxes, remuneration and social security45€6k€8k▲
Taxes450/3€6k€8k▲
Other amounts payable47/48€54k€48k▼
Income statement
Code20242025
Turnover70€327k€291k▼
Goods, raw materials, services and sundry goods60/61€380k€288k▼
Remuneration, social security and pensions62€20k-
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€6k
Other operating charges640/8€689€659▼
Gross operating margin9900€-53k€3k▲
Operating profit (loss)9901€-73k€-4k▲
Financial charges65/66B€2k€4k▲
Recurring financial charges65€2k€4k▲
Profit (loss) for the period before taxes9903€-76k€-7k▲
Profit (loss) for the period9904€-76k€-7k▲
Profit (loss) for the period to be appropriated9905€-76k€-7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-75k€-64k▲
Profit (loss) brought forward from the previous period14P€643€-57k▼
Transfer from equity791/2€18k-
Social balance
Average headcount (FTE)90870.8-
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-76k
Net result drops to €-76k, the lowest in the series; recovery starts the following year.
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 14 days late
2023
04-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 4 days late
2022
31-12
Financial
Equity above €100kEq €107k ▲16.8%
3 profitable years in a row build equity to €107k.
04-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 4 days late
2021
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Edegem · 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.
Prins Boudewijnlaan 412650 EdegemGround area
1.5 ha
Building footprint
2,155 m²
Volume, LiDAR
22,288 m³
Parcel 11472C0420/00G000, Flanders · tallest building 15.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Factivity
since 20192.287.911.581
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11472C0420/00G000 | Flanders | 1.5 ha | 1 · 2,155 m² | 15.3 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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 (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 29,996 companies in sector 62200 we hold annual accounts for 18,393. 5,358 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded23-01-2019
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.