FACTO
ActiveSummary
FACTO has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€1,731) and a net result of €24,096. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 31942 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency23▲+23
Growth58=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.33 against 0.39 in 2024; short-term debt: 102.2% and cash: 3.5% of total assets), and equity is negative.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six 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
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
-2.2%
Return on assets
30%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 31942 sector peers (2025).
NBB · sector comparisonPosition among 31942 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 · 7 filingsDeviation from the deadline
2025
25 d late
2024
27 d late
2023
28 d late
2022
31 d late
2021
31 d late
2020
3 d early
2019
53 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 27 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
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. Usually files around 29 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
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Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€24,096▼ 33.1%
2024 · €36,012
Working capital
-€55,010▲ 20.5%
2024 · -€69,188
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€13,622€17,137▲ 25.8%€78,881▲ 360%€37,622▼ 52.3%€44,382▲ 18.0%
Net result-€136,675below the sector's middle half▼ 675%€10,954within the sector's middle half€60,647within the sector's middle half▲ 454%€36,012within the sector's middle half▼ 40.6%€24,096within the sector's middle half▼ 33.1%
Equity-€133,439below the sector's middle half-€122,485below the sector's middle half▲ 8.2%-€61,838below the sector's middle half▲ 49.5%-€25,826below the sector's middle half▲ 58.2%-€1,731below the sector's middle half▲ 93.3%
Total assets€32,885below the sector's middle half▼ 86.7%€54,422below the sector's middle half▲ 65.5%€68,915below the sector's middle half▲ 26.6%€87,608within the sector's middle half▲ 27.1%€80,259within the sector's middle half▼ 8.4%
Debt€166,324▼ 31.9%€176,907▲ 6.4%€130,753▼ 26.1%€113,435▼ 13.2%€81,989▼ 27.7%
Working capital-€142,069below the sector's middle half▲ 39.0%-€143,448below the sector's middle half▼ 1.0%-€101,869below the sector's middle half▲ 29.0%-€69,188below the sector's middle half▲ 32.1%-€55,010below the sector's middle half▲ 20.5%
Solvency-405.8%below the sector's middle half▼ 407.1pp-225.1%below the sector's middle half▲ 180.7pp-89.7%below the sector's middle half▲ 135.3pp-29.5%below the sector's middle half▲ 60.3pp-2.2%below the sector's middle half▲ 27.3pp
Current ratio0.15below the sector's middle half▲ 0.100.19below the sector's middle half▲ 0.040.22below the sector's middle half▲ 0.030.39below the sector's middle half▲ 0.170.33below the sector's middle half▼ 0.06
Return on assets (ROA)-415.6%below the sector's middle half▼ 408.5pp20.1%within the sector's middle half▲ 435.7pp88.0%above the sector's middle half▲ 67.9pp41.1%above the sector's middle half▼ 46.9pp30.0%within the sector's middle half▼ 11.1pp
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 18% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €80,259
Fixed assets
€53,279 ▲ 22.9%
Current assets
€26,979 ▼ 39.0%
Key figures and ratios
EBITDA
€52,775▲
2024 · €44,621
Cash flow
€32,489▼
2024 · €43,010
Debt to equity
-47.37▼
2024 · -4.39
Interest coverage
-1049.20▼
2024 · 176.75
Debt ≤ 1 year
€81,989▼
2024 · €113,435
Income taxes
€20,337▲
2024 · €1,358
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,178 companies that looked in July 2024 the way this one looks now, 4.3% went bankrupt within 24 months and 89% are still going.
- Micro
- 5 to 10 years old
- negative equity
- a profit of 5% of the balance sheet or more
4.3%
went bankrupt
5.6%
stopped otherwise
89%
still going
A further 1.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.7% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,178 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,658 | €4,204 | €5,667 | €6,999 | €8,393 | ▲ 19.9% |
| Other operating charges640/8 | €348 | €348 | €547 | €387 | €1,094 | ▲ 182% |
| Gross operating margin9900 | €16,628 | €21,688 | €85,096 | €45,008 | €53,869 | ▲ 19.7% |
| Operating profit (loss)9901 | €13,622 | €17,137 | €78,881 | €37,622 | €44,382 | ▲ 18.0% |
| Financial income75/76B | €71,546 | - | - | - | - | - |
| Recurring financial income75 | €71,546 | - | - | - | - | - |
| Financial charges65/66B | €220,844 | €683 | €184 | €252 | -€50 | ▼ 120% |
| Recurring financial charges65 | €1,069 | €683 | €184 | €252 | -€50 | ▼ 120% |
| Non-recurring financial charges66B | €219,775 | - | - | - | - | - |
| Profit (loss) for the period before taxes9903 | -€135,675 | €16,454 | €78,697 | €37,370 | €44,432 | ▲ 18.9% |
| Income taxes67/77 | €1,000 | €5,500 | €18,050 | €1,358 | €20,337 | ▲ 1,397% |
| Profit (loss) for the period9904 | -€136,675 | €10,954 | €60,647 | €36,012 | €24,096 | ▼ 33.1% |
| Profit (loss) for the period to be appropriated9905 | -€136,675 | €10,954 | €60,647 | €36,012 | €24,096 | ▼ 33.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €32,885 | €54,422 | €68,915 | €87,608 | €80,259 | ▼ 8.4% |
| Fixed assets21/28 | €8,630 | €20,963 | €40,031 | €43,361 | €53,279 | ▲ 22.9% |
| Tangible fixed assets22/27 | €8,630 | €20,963 | €40,031 | €43,361 | €53,279 | ▲ 22.9% |
| Land and buildings22 | - | €11,724 | €11,384 | €11,044 | €10,704 | ▼ 3.1% |
| Furniture and vehicles24 | €8,630 | €9,239 | €6,085 | €8,900 | €21,809 | ▲ 145% |
| Other tangible fixed assets26 | - | - | €22,562 | €23,417 | €20,766 | ▼ 11.3% |
| Financial fixed assets28 | €0 | - | - | - | - | - |
| Current assets29/58 | €24,255 | €33,459 | €28,884 | €44,247 | €26,979 | ▼ 39.0% |
| Amounts receivable within one year40/41 | €770 | €12,299 | €15,541 | €25,996 | €24,022 | ▼ 7.6% |
| Trade receivables40 | - | €6,550 | €6,222 | €6,388 | €6,619 | ▲ 3.6% |
| Other amounts receivable41 | €770 | €5,749 | €9,318 | €19,608 | €17,403 | ▼ 11.2% |
| Cash at bank and in hand54/58 | €23,485 | €21,161 | €13,343 | €18,251 | €2,770 | ▼ 84.8% |
| Deferred charges and accrued income490/1 | - | - | - | - | €187 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €32,885 | €54,422 | €68,915 | €87,608 | €80,259 | ▼ 8.4% |
| Equity10/15 | -€133,439 | -€122,485 | -€61,838 | -€25,826 | -€1,731 | ▲ 93.3% |
| Contributions10/11 | €20,000 | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Profit (loss) carried forward14 | -€153,439 | -€142,485 | -€81,838 | -€45,826 | -€21,731 | ▲ 52.6% |
| Amounts payable17/49 | €166,324 | €176,907 | €130,753 | €113,435 | €81,989 | ▼ 27.7% |
| Amounts payable within one year42/48 | €166,324 | €176,907 | €130,753 | €113,435 | €81,989 | ▼ 27.7% |
| Trade debts44 | €2,699 | €12,122 | €16,255 | €21,825 | €17,549 | ▼ 19.6% |
| Suppliers440/4 | €2,699 | €12,122 | €16,255 | €21,825 | €17,549 | ▼ 19.6% |
| Taxes, remuneration and social security45 | €1,650 | €1,000 | €12,763 | €7,693 | €696 | ▼ 91.0% |
| Taxes450/3 | €1,650 | €1,000 | €12,763 | €7,693 | €696 | ▼ 91.0% |
| Other amounts payable47/48 | €161,974 | €163,785 | €101,735 | €83,917 | €63,744 | ▼ 24.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€136,675 | €10,954 | €60,647 | €36,012 | €24,096 | ▼ 33.1% |
| + Depreciation and write-downs630 | €2,658 | €4,204 | €5,667 | €6,999 | €8,393 | ▲ 19.9% |
| Operating cash flow (approximation) | -€134,017 | €15,158 | €66,314 | €43,010 | €32,489 | ▼ 24.5% |
| Investment in fixed assets (approximation) | - | -€16,537 | -€24,736 | -€10,329 | -€18,311 | ▼ 77.3% |
| Change in cash | - | -€2,325 | -€7,817 | €4,908 | -€15,481 | ▼ 415% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Highest result since 2019net €60,647 ▲454%
Operating result €78,881, net result €60,647, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Back to profitnet €10,954
Net result €10,954 after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
31-12
Financial
Weakest financial yearnet -€136,675
Net result drops to -€136,675, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
22-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 53 days late
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, Elsene · 1 establishment unit since 2018
Ground area
234 m²
Building footprint
86 m²
Volume, LiDAR
1,059 m³
Parcel 21447B0313/00G015, Brussels · tallest building 22.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
FACTO
since 20182.282.333.289
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21447B0313/00G015 | Brussels | 234 m² | 1 · 86 m² | 22.6 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,642 companies in sector 70200 we hold annual accounts for 52,626. 11,834 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
Founded28-11-2018
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
74111Design of textile patterns, clothing, jewellery, furniture and decorative items
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0713987108
Registered
03-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.