FACTO

Active

Private limited companyfounded 20241 yr activeAvenue de Maire(TOU) 44, 7500 Tournai, BelgiumKBO/BCE: BE 1016.915.732

FACTO has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €6k and a net result of €3k. Its solvency ranks better than 53% of 11195 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).

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Checked score

Score 2025

78 / 100

Excellent

The score combines four axes. Every signal that weighs is under Signals.

Axes

Profitability100

Solvency88

Growth-

Stability67

Bankruptcy probability, 12 months

1.2% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €500 at 30 days acceptable

Liquidity ample (current ratio 1.87), but 53.5% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

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 →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 1 filing

Deviation from the deadline

2025

28 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€6k

Total assets

€13k

Net result

€3k

Working capital

€6k

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition

Equity and liabilities €13k

46.5%

53.5%

Equity €6k

Debt €7k

Debt finances 53.5% of the balance-sheet total.

Key figures and ratios

2025 value

Solvency

46.5%

Current ratio

1.87

Quick ratio

1.87

Debt / equity

1.15

ROE

50.7%

ROA

23.6%

Debt

€7k

Debt ≤ 1 year

€7k

Income taxes

€1k

Filed annual accounts

As filed with the NBB · 2025

Balance sheet Code2025

Assets

Total assets20/58€13k

Current assets29/58€13k

Amounts receivable within one year40/41€13k

Trade receivables40€12k

Other amounts receivable41€774

Cash at bank and in hand54/58€539

Equity and liabilities

Total equity and liabilities10/49€13k

Equity10/15€6k

Contributions10/11€3k

Profit (loss) carried forward14€3k

Amounts payable17/49€7k

Amounts payable within one year42/48€7k

Trade debts44€6k

Suppliers440/4€6k

Taxes, remuneration and social security45€1k

Taxes450/3€1k

Income statement Code2025

Other operating charges640/8€387

Gross operating margin9900€5k

Operating profit (loss)9901€5k

Financial charges65/66B€189

Recurring financial charges65€189

Profit (loss) for the period before taxes9903€4k

Income taxes67/77€1k

Profit (loss) for the period9904€3k

Profit (loss) for the period to be appropriated9905€3k

Appropriation of the result

Profit (loss) to be appropriated9906€3k

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 1Filings 1

2026

28-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 28 days late

NBB filing

Directors · office · real estate

Directors

1 act for this company is 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, Tournai · 1 establishment unit since 2024

establishment The establishment unit on the map

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.

Avenue de Maire(TOU) 447500 Tournai

Ground area

2,864 m²

Building footprint

94 m²

Volume, LiDAR

495 m³

Parcel 57463L0182/00D002, Wallonia · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

FACTO

Avenue de Maire(TOU) 44, 7500 TournaiWholesale trade

since 20242.370.522.325

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
57463L0182/00D002	Wallonia	2,864 m²	1 · 94 m²	8.1 m · 2 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.

Similar companies · same sector, comparable size

Of 6,127 companies in sector 46190 we hold annual accounts for 2,554. 1,050 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded03-12-2024

Fiscal year end31-12

Activities, NACEBEL

46190Agents in non-specialised wholesale trade

46492Wholesale trade

46493Wholesale trade

46494Wholesale of non-electrical household articles

Sources

Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers

Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.