FACYFLO
ActiveFACYFLO 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 €875k and a net result of €95k. Equity is growing by ~21.3% per year across the filed fiscal years. Its solvency ranks better than 47% of 2382 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
31 d late
2023
31 d late
2022
5 d early
2021
29 d late
2020
30 d late
2019
46 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€875k▼ 8.5%
2024 · €956k
2019: €222k
2020: €359k
2021: €486k
2022: €615k
2023: €748k
2024: €956k
2019 → 2025
Net result
€95k▼ 54.4%
2024 · €208k
2019: €82k
2020: €137k
2021: €127k
2022: €129k
2023: €134k
2024: €208k
2019 → 2025
Total assets
€1.51M▲ 1.9%
2024 · €1.48M
2019: €1.38M
2020: €1.43M
2021: €1.46M
2022: €1.42M
2023: €1.40M
2024: €1.48M
2019 → 2025
Solvency
58.0%▼ 6.6pp
2024 · 64.6%
2019: 16.1%
2020: 25.1%
2021: 33.3%
2022: 43.4%
2023: 53.6%
2024: 64.6%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€486k-€615k▲ 26.6%€748k▲ 21.8%€956k▲ 27.8%€875k▼ 8.5%
Operating result€160k-€163k▲ 1.4%€181k▲ 11.3%€282k▲ 55.6%€143k▼ 49.2%
Net result€127k-€129k▲ 1.7%€134k▲ 3.6%€208k▲ 55.5%€95k▼ 54.4%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 49% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.51M
Fixed assets
€1.26M▲ 0.6%
Current assets
€251k▲ 8.6%
Equity and liabilities €1.51M
Equity
€875k▼ 8.5%
Debt
€634k▲ 20.9%
The debt ratio rises from 35.4% to 42.0%: debt grows while equity shrinks.
Key figures and ratios
Solvency
58.0%▼
2024 · 64.6%
ROE
10.8%▼
2024 · 21.8%
ROA
6.3%▼
2024 · 14.0%
Debt
€634k▲
2024 · €525k
Debt ≤ 1 year
€459k▲
2024 · €209k
Debt > 1 year
€175k▼
2024 · €316k
Income taxes
€41k▼
2024 · €64k
Staff costs
€38k▲
2024 · €36k
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€1.48M€1.51M▲
Fixed assets21/28€1.25M€1.26M▲
Tangible fixed assets22/27€238€8k▲
Plant, machinery and equipment23-€3k
Furniture and vehicles24€238€6k▲
Financial fixed assets28€1.25M€1.25M=
Current assets29/58€231k€251k▲
Amounts receivable within one year40/41€79k€61k▼
Trade receivables40€59k€40k▼
Other amounts receivable41€20k€21k▲
Current investments50/53€70k€70k=
Cash at bank and in hand54/58€80k€116k▲
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€1.48M€1.51M▲
Equity10/15€956k€875k▼
Contributions10/11€140k€140k=
Capital10€140k€140k=
Issued capital100€140k€140k=
Reserves13€205k€163k▼
Non-distributable reserves130/1€84k€84k=
Legal reserve130€14k€14k=
Reserves not available under the articles1311-€70k
Own shares acquired1312€70k-
Tax-exempt reserves132€114k€72k▼
Distributable reserves133€8k€8k=
Profit (loss) carried forward14€611k€571k▼
Amounts payable17/49€525k€634k▲
Amounts payable after more than one year17€316k€175k▼
Financial debts170/4€316k€175k▼
Amounts payable within one year42/48€209k€459k▲
Current portion of amounts payable after more than one year42€149k€149k=
Trade debts44€5k€101k▲
Suppliers440/4€5k€101k▲
Taxes, remuneration and social security45€37k€64k▲
Taxes450/3€32k€59k▲
Remuneration and social security454/9€4k€4k▲
Other amounts payable47/48€19k€146k▲
Income statement
Code20242025
Remuneration, social security and pensions62€36k€38k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€83€964▲
Other operating charges640/8€514€5k▲
Non-recurring operating charges66A€35€245▲
Gross operating margin9900€319k€186k▼
Operating profit (loss)9901€282k€143k▼
Financial income75/76B€440€973▲
Recurring financial income75€440€973▲
Financial charges65/66B€10k€8k▼
Recurring financial charges65€10k€8k▼
Non-recurring financial charges66B-€335
Profit (loss) for the period before taxes9903€272k€136k▼
Income taxes67/77€64k€41k▼
Profit (loss) for the period9904€208k€95k▼
Transfer from tax-exempt reserves789-€42k
Transfer to tax-exempt reserves689€72k-
Profit (loss) for the period to be appropriated9905€136k€137k▲
Appropriation of the result
Profit (loss) to be appropriated9906€611k€748k▲
Profit (loss) brought forward from the previous period14P€475k€611k▲
Profit to be distributed694/7-€177k
Return on contributions (dividend)694-€177k
Social balance
Average headcount (FTE)90870.50.5=
The notes to these accounts (9 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 31 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 31 days late
2024
31-12
Financial
Highest result since 2019net €208k ▲55.5%
Operating result €282k, net result €208k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 31 days late
2023
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Equity above €500kEq €615k ▲26.6%
4 profitable years in a row build equity to €615k.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 29 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 30 days late
2020
15-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 46 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Tinlot · 1 establishment unit since 2019
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.
Rue d'Abée 714557 TinlotGround area
3,478 m²
Building footprint
264 m²
Volume, LiDAR
731 m³
2 parcels, Wallonia · tallest building 10.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
FACYFLO
since 20192.289.621.949
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61001A0256/00H000 | Wallonia | 2,813 m² | 1 · 173 m² | - |
| 61031B0685/00A006 | Wallonia | 665 m² | 1 · 91 m² | 10.6 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Shelanu
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KANNUNIKEN HOEVE
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BENOIT LACHAPELLE
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Of 24,640 companies in sector 64210 we hold annual accounts for 19,693. 12,955 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded29-04-2019
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.