FACTOR DC
ActiveFACTOR DC has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €140k and a net result of €-9k. Equity is shrinking by ~8.4% per year across the filed fiscal years. Its solvency ranks better than 78% of 31584 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability12▼-54
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
short-term debt: 0.8% and cash: 3.8% of total assets, and 18.4% of the assets are financed with debt.
Credit advice for your own amount and term
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
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
1819202122232425
2018 to 2025 · latest year €-9k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
1 d early
2022
2 d late
2021
2 d early
2020
on the day
2019
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
18-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€140k▼ 6.0%
2024 · €148k
2018: €236k
2019: €242k
2020: €219k
2021: €182k
2022: €164k
2023: €153k
2024: €148k
2018 → 2025
Total assets
€171k▼ 6.1%
2024 · €182k
2018: €303k
2019: €284k
2020: €261k
2021: €217k
2022: €202k
2023: €189k
2024: €182k
2018 → 2025
Net result
€-9k▼ 116%
2024 · €-4k
2018: €97k
2019: €6k
2020: €-22k
2021: €-37k
2022: €-18k
2023: €-11k
2024: €-4k
2018 → 2025
Working capital
€138k=
2024 · €138k
2018: €154k
2019: €203k
2020: €198k
2021: €152k
2022: €138k
2023: €134k
2024: €138k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€182k-€164k▼ 10.0%€153k▼ 7.0%€148k▼ 2.7%€140k▼ 6.0%
Operating result€-37k-€-18k▲ 51.8%€-11k▲ 37.6%€-5k▲ 58.3%€-9k▼ 90.3%
Net result€-37k-€-18k▲ 51.3%€-11k▲ 37.2%€-4k▲ 63.8%€-9k▼ 116%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €9k in 2025 against €5k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €171k
Fixed assets
€32k▼ 21.7%
Current assets
€139k▼ 1.6%
Equity and liabilities €171k
Equity
€140k▼ 6.0%
Debt
€31k▼ 6.4%
The debt ratio falls from 18.4% to 18.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-3k▼
2024 · €3k
Cash flow
€-3k▼
2024 · €3k
Solvency
81.6%▲
2024 · 81.6%
Debt / equity
0.22▼
2024 · 0.23
ROE
-6.4%▼
2024 · -2.8%
ROA
-5.2%▼
2024 · -2.3%
Interest coverage
-13.50▼
2024 · 9.02
Debt
€31k▼
2024 · €34k
Debt ≤ 1 year
€1k▼
2024 · €4k
A ratio outside any meaningful range has been withheld (balance sheet total €171k, equity €140k).
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€182k€171k▼
Fixed assets21/28€41k€32k▼
Tangible fixed assets22/27€41k€32k▼
Land and buildings22€29k€29k▼
Furniture and vehicles24€12k€3k▼
Current assets29/58€141k€139k▼
Amounts receivable within one year40/41€716€749▲
Trade receivables40-€571
Other amounts receivable41€716€178▼
Current investments50/53-€65k
Cash at bank and in hand54/58€74k€7k▼
Deferred charges and accrued income490/1€66k€66k=
Equity and liabilities
Total equity and liabilities10/49€182k€171k▼
Equity10/15€148k€140k▼
Contributions10/11€6k€6k=
Reserves13€195k€195k=
Non-distributable reserves130/1€8k€8k=
Reserves not available under the articles1311€8k€5k▼
Other1319-€4k
Tax-exempt reserves132€66€66=
Distributable reserves133€186k€186k=
Profit (loss) carried forward14€-52k€-61k▼
Amounts payable17/49€34k€31k▼
Amounts payable within one year42/48€4k€1k▼
Financial debts43-€23
Credit institutions430/8-€23
Trade debts44€66€0▼
Suppliers440/4€66€0▼
Taxes, remuneration and social security45€91€91=
Taxes450/3€91€91=
Other amounts payable47/48€3k€1k▼
Accrued charges and deferred income492/3€30k€30k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€6k▼
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A€64-
Gross operating margin9900€5k€-928▼
Operating profit (loss)9901€-5k€-9k▼
Financial income75/76B€829€182▼
Recurring financial income75€829€182▼
Financial charges65/66B€311€243▼
Recurring financial charges65€311€243▼
Profit (loss) for the period before taxes9903€-4k€-9k▼
Profit (loss) for the period9904€-4k€-9k▼
Profit (loss) for the period to be appropriated9905€-4k€-9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-52k€-61k▼
Profit (loss) brought forward from the previous period14P€-48k€-52k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Liquidity triplescurrent ratio 101.46
Current ratio from 40.22 to 101.46; short-term debt falls from €4k to €1k.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
02-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
2022
28-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Weakest financial yearnet €-37k
Net result drops to €-37k, the lowest in the series; recovery starts the following year.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Liquidity times 5current ratio 17.49
Current ratio from 3.29 to 17.49; short-term debt falls from €67k to €12k.
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
03-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
05-04
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Mechelen · 1 establishment unit since 1998
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.
Arsenaalstraat 62800 MechelenGround area
135 m²
Building footprint
75 m²
Parcel 12403D0089/00B004, Flanders. Linked by address, not a title deed.
1 establishment unit
Arsenaalstraat 6, 2800 Mechelen
since 19982.086.273.426
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12403D0089/00B004 | Flanders | 135 m² | 1 · 75 m² | - |
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.
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Of 82,546 companies in sector 70200 we hold annual accounts for 52,574. 40,882 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded12-02-1998
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.