Active BE 0766.452.131Private limited company

Factor F

Koningin Astridlaan 134 ·8200 Brugge, Belgium· 5 yrs active

Sector: Activiteiten van holdings (64210)

Conclusion Checked

Factor F is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.08M and a net result of €299k. Equity is growing by ~45.9% per year across the filed fiscal years. Its solvency ranks better than 48% of 498 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Key figures

Equity	€1.08M
Net result	€299k
Better than sector	48%
Active	5 yrs

Snowflake analysis 4 of 5 axes measured · computed by Checked

81 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.

Health -

Profitability 100

Solvency 52

Growth 78

Stability 94

Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2021, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags 0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Health barometer

Model not applicable to financial institutions

The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.

Financial overview4 NBB filings

Annual accounts filed on 30-01-2026 with the NBB · fiscal year 2025 · verkort

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~45.9%/year over 4 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 64, Financial services · compared within the same schema type (abbreviated schema)

Metric	This company	Sector median	Position in the sector
Solvency	41.3%	43.2%	better than 48% of 498 sector peers
Net result	€299k	€68k	better than 80% of 498 sector peers
Equity	€1.08M	€492k	better than 66% of 498 sector peers
Gross operating margin	€61k	€83k	better than 41% of 497 sector peers
Total assets	€2.61M	€1.58M	better than 66% of 498 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Net profit

€299k

+15.7% 22-25

Total assets

€2.61M

+25.7% 22-25

Equity

€1.08M

+38.3% 22-25

Employees (FTE)

0

-87.5% 22-25

Staff costs

€3k

-90.7% 22-25

Income taxes

€9k

+1995.2% 22-25

Debt

€1.53M

+18.2% 22-25

Debt ≤ 1y

€818k

+11.0% 22-25

Debt > 1y

€710k

+27.8% 22-25

Solvency

41.3%

+10.0% 22-25

ROE

27.7%

-16.3% 22-25

ROA

11.4%

-7.9% 22-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	verkort
Revenue	n/a
EBITDA	n/a
Net profit	€299k
Cash flow	n/a
Staff costs	-
Income taxes	€9k
Dividends	-
Total assets	€2.61M
Equity	€1.08M
Debt	€1.53M
of which ≤ 1y	€818k
of which > 1y	€710k
Working capital	n/a
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	n/a
Quick ratio	n/a
Working capital ratio	n/a
Solvency	41.3%
Debt / equity	n/a
Long-term debt ratio	n/a
Interest coverage	n/a
Gross margin	n/a
Net margin	n/a
ROA	11.4%
ROE	27.7%
EBITDA margin	n/a
Days sales outstanding	n/a
Days payable outstanding	n/a
Inventory turnover	n/a
Days inventory (DSI)	n/a

Balance-sheet composition 2025

Assets

Fixed assets €2.23M · 85.5% Current assets €378k · 14.5%

Equity & liabilities

Equity €1.08M · 41.4% Debt €1.53M · 58.7%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€2.61M
Fixed assets	21/28	€2.23M
Financial fixed assets	28	€2.23M
Current assets	29/58	€378k
Amounts receivable within one year	40/41	€363k
Cash & bank	54/58	€13k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€2.61M
Equity	10/15	€1.08M
Contributions / capital	10/11	€75k
Accumulated profits (losses)	14	€1.00M
Amounts payable	17/49	€1.53M
Amounts payable after one year	17	€710k
Amounts payable within one year	42/48	€818k
Trade debts payable within one year	44	€9k
Income statement
Gross operating margin	9900	€61k
Operating result	9901	€59k
Financial income	75	€267k
Financial charges	65	€19k
Result before taxes	9903	€308k
Income taxes	67/77	€9k
Net result for the period	9904	€299k
Result to be appropriated	9905	€299k

You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Legal Structure

NACE primary	Activiteiten van holdings(64210)
Legal form	Private limited company(610)
Incorporation	07-04-2021
Status	Active
Postal code	8200

Establishment units 1 location

Factor F

Koningin Astridlaan 134, 8200 BruggeHoldings

since 20212.316.563.896

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
31030A0168/00Z010	Flanders	1,802 m²	1 · 432 m²	16.6 m · 4 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 5 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026

30-01-2026

NBB filing Annual accounts filed

fiscal year 2025 · verkort

2025

30-01-2025

NBB filing Annual accounts filed

fiscal year 2024 · verkort

2024

31-01-2024

NBB filing Annual accounts filed

fiscal year 2023 · verkort

2023

30-01-2023

NBB filing Annual accounts filed

fiscal year 2022 · verkort

2022

30-09-2022

State Gazette act Capital & shares

Astrid Dobbels

Belgisch Staatsblad, acts 1 acts

Capital history · 1

30-09-2022

Capital change

All acts · 1 updated 3 years ago

2022

30-09-2022 Capital increase of €45,000 Capital & shares·Astrid Dobbels

Inbreng in geld · Apport en numéraire

Notary: Astrid Dobbels · Oostkamp

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

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Company registry (CBE) Crossroads Bank

Activities

Holdings64200Activiteiten van holdings64210Activiteiten van hoofdkantoren70100Activiteiten van hoofdkantoren70100

Primary activity highlighted.

Names & trade names

Legal nameNL

Factor F

Registered office

Koningin Astridlaan 134 bus 1

8200 Brugge, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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