FACTUM
ActiveFACTUM has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7.42M and a net result of €-228k. Equity is shrinking by ~15.4% per year across the filed fiscal years. Its solvency ranks better than 95% of 4812 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency100=
Growth47=
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €390k at 30 days acceptable
Liquidity ample (current ratio 58.81 against 46.72 in 2024), and 1.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
98.4%
Return on assets
-3%
Age of the figures
8 mo
raises risk · 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 →
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€228k
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 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
1 d early
2023
13 d late
2022
3 d late
2021
27 d early
2020
17 d early
2019
18 d late
← before the deadline
after the deadline →
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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€583k▲ 13.1%
2018 · €515k
2018: €515k
2018 → 2019
EBIT margin
-61.1%▼ 25.9pp
2018 · -35.1%
2018: -35.1%
2018 → 2019
Net result
€-228k▼ 20.0%
2024 · €-190k
2018: €-173k
2019: €-440k
2020: €-221k
2021: €491k
2022: €-520k
2023: €-2.03M
2024: €-190k
2018 → 2025
Working capital
€3.88M▼ 4.7%
2024 · €4.07M
2018: €3.01M
2019: €4.69M
2020: €6.31M
2021: €6.16M
2022: €7.11M
2023: €4.18M
2024: €4.07M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€19.66M-€9.87M▼ 49.8%€7.84M▼ 20.6%€7.64M▼ 2.4%€7.42M▼ 3.0%
Operating result€539k-€-493k€-1.41M▼ 186%€-202k▲ 85.6%€-237k▼ 17.0%
Net result€491k-€-520k€-2.03M▼ 292%€-190k▲ 90.6%€-228k▼ 20.0%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €237k in 2025 against €202k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €7.54M
Fixed assets
€3.59M▼ 1.0%
Current assets
€3.95M▼ 5.2%
Equity and liabilities €7.54M
Equity
€7.42M▼ 3.0%
Debt
€121k▼ 16.3%
The debt ratio falls from 1.9% to 1.6%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€-90k▼
2024 · €-66k
Cash flow
€-81k▼
2024 · €-54k
Solvency
98.4%▲
2024 · 98.1%
Current ratio
58.81▲
2024 · 46.72
Quick ratio
58.79▲
2024 · 46.65
Debt / equity
0.02▼
2024 · 0.02
ROE
-3.1%▼
2024 · -2.5%
ROA
-3.0%▼
2024 · -2.4%
Interest coverage
-83.78▼
2024 · -55.79
Debt
€121k▼
2024 · €145k
Debt ≤ 1 year
€67k▼
2024 · €89k
Debt > 1 year
€49k=
2024 · €49k
Income taxes
€22k▼
2024 · €36k
Staff costs
€148k▲
2024 · €142k
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€7.79M€7.54M▼
Fixed assets21/28€3.63M€3.59M▼
Tangible fixed assets22/27€3.62M€3.58M▼
Land and buildings22€3.40M€3.31M▼
Plant, machinery and equipment23€114k€184k▲
Furniture and vehicles24€101k€90k▼
Financial fixed assets28€10k€10k=
Current assets29/58€4.16M€3.95M▼
Amounts receivable after more than one year29€1.47M€1.83M▲
Other amounts receivable291€1.47M€1.83M▲
Stocks and contracts in progress3€7k€1k▼
Stocks30/36€7k€1k▼
Amounts receivable within one year40/41€157k€70k▼
Trade receivables40€36k€54k▲
Other amounts receivable41€121k€17k▼
Cash at bank and in hand54/58€2.48M€2.04M▼
Deferred charges and accrued income490/1€41k€9k▼
Equity and liabilities
Total equity and liabilities10/49€7.79M€7.54M▼
Equity10/15€7.64M€7.42M▼
Contributions10/11€72k€72k=
Capital10€72k€72k=
Issued capital100€72k€72k=
Reserves13€7.57M€7.34M▼
Non-distributable reserves130/1€7k€7k=
Legal reserve130€7k€7k=
Distributable reserves133€7.57M€7.34M▼
Amounts payable17/49€145k€121k▼
Amounts payable after more than one year17€49k€49k=
Financial debts170/4€49k€49k=
Amounts payable within one year42/48€89k€67k▼
Financial debts43€34k€15k▼
Credit institutions430/8€34k€15k▼
Trade debts44€36k€33k▼
Suppliers440/4€36k€33k▼
Taxes, remuneration and social security45€18k€19k▲
Taxes450/3€1k€886▼
Remuneration and social security454/9€17k€18k▲
Accrued charges and deferred income492/3€7k€5k▼
Income statement
Code20242025
Remuneration, social security and pensions62€142k€148k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€137k€147k▲
Other operating charges640/8€101k€109k▲
Gross operating margin9900€177k€167k▼
Operating profit (loss)9901€-202k€-237k▼
Financial income75/76B€49k€31k▼
Recurring financial income75€49k€31k▼
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€-154k€-207k▼
Income taxes67/77€36k€22k▼
Profit (loss) for the period9904€-190k€-228k▼
Profit (loss) for the period to be appropriated9905€-190k€-228k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-190k€-228k▼
Transfer from equity791/2€190k€228k▲
Social balance
Average headcount (FTE)90871.81.6▼
The notes to these accounts (7 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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
13-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 13 days late
2023
31-12
Financial
Weakest financial yearnet €-2.03M
Net result drops to €-2.03M, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 43.69
Current ratio from 18.76 to 43.69; short-term debt falls from €400k to €98k.
03-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 3 days late
2022
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Back to profitnet €491k
Net result €491k after 3 loss-making years.
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Liquidity times 7current ratio 33.90
Current ratio from 4.55 to 33.90; short-term debt falls from €1.32M to €192k.
18-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 18 days late
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
12 directors, no change since 2025
GOLDENBERG Stéfania
CurrentManaging director · since 18-04-2025
GOLDENBERG Marcel
CurrentDirector · since 12-01-2024
GOLDENBERG Massimiliano Simone
CurrentDirector · since 12-01-2024
LAMBERT Monique Anne Sabine
CurrentDirector · since 12-01-2024
NEXT BUSINESS
CurrentDirector · since 12-01-2024
Massimiliano Goldenberg
CurrentDirector · since 16-08-2022
+ 6 not shown in this overview
18-04-2025
GOLDENBERG Stéfania: Appointed as Managing director
12-01-2024
GOLDENBERG Marcel: Appointed as Director
12-01-2024
GOLDENBERG Massimiliano Simone: Appointed as Director
12-01-2024
LAMBERT Monique Anne Sabine: Appointed as Director
12-01-2024
NEXT BUSINESS: Appointed as Director
12-01-2024
GOLDENBERG Laurent: Appointed as Director
12-01-2024
GOLDENBERG Silvia: Appointed as Director
16-08-2022
Massimiliano Goldenberg: Appointed as Director
16-08-2022
Stefania Goldenberg: Resigned as Director
16-08-2022
Stefania Goldenberg: Appointed as Director
29-11-2019
Stefania Goldenberg: Appointed as Director
29-11-2019
GOLDENBERG Laurent: Appointed as Director
29-11-2019
GOLDENBERG Silvia: Appointed as Director
29-11-2019
Marcello GOLDENBERG: Appointed as Director
29-11-2019
Monique LAMBERT: Appointed as Director
29-09-2010
T. MEULEMAN: Appointed as Auditor
Location & real-estate footprint
Registered office, Ukkel · 1 establishment unit since 1983
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.
Egide Van Ophemstraat 40C1180 UkkelGround area
2,095 m²
Building footprint
2,233 m²
Volume, LiDAR
25,899 m³
Parcel 21616G0176/00N002, Brussels · tallest building 19.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Egide Van Ophemstraat 40C, 1180 Ukkel
since 19832.037.643.465
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21616G0176/00N002 | Brussels | 2,094 m² | 1 · 2,233 m² | 19.1 m · 4 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
DU PONT
BE 0430.459.769
Grobbendonk · Eq €7.44M
FALCO INVEST
BE 0459.430.503
Kortrijk · Eq €7.49M
GALICO
BE 0453.670.483
Anzegem · Eq €7.64M
SERAX
BE 0430.067.019
Kontich · Eq €7.66M
KNOLL INTERNATIONAL
BE 0424.905.530
Brussel · Eq €7.75M
Of 674 companies in sector 46494 we hold annual accounts for 527. 174 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded23-06-1983
Fiscal year end31-12
Activities, NACEBEL
46494Wholesale of non-electrical household articles
51471
71112Activities of interior architects
55100Hotels and similar accommodation
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 54 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.