Active BE 0423.552.973Non-profit association

FairFin

Vooruitgangstraat 323 ·1030 Schaarbeek, Belgium· 44 yrs active

Sector: Overige verenigingen, neg (94999)

Conclusion Checked

The computed 12-month bankruptcy probability of FairFin is < 0.1% (very low). The 2023 annual accounts show equity of €245k and a net result of €-21k. Equity is shrinking by ~38.6% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2024. Its solvency ranks better than 67% of 81 sector peers (fiscal year 2023). The company has been active since 1982 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 6 annual accounts.

Key figures

Equity	€245k
Net result	€-21k
Staff (FTE)	7.3
Better than sector	67%

Financial profile 5 of 5 axes measured · computed by Checked

62 / 100

Strong profile, led by solvency.

All 5 axes are computed from data Checked has read.

Health 52

Profitability 0

Solvency 100

Growth 58

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

< 0.1% Very low

0%0,5%1,5%4%10%≥25%

Lower-risk legal form −Lower-failure-rate sector −Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Long-established

Founded in 1982, 44 years in business.

No legal incidents

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

Administrative Flags0 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 FY 2023 · computed

52 / 100 Fair

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2023. Indicative, not credit advice.

Financial overview10 NBB filings

Annual accounts filed on 29-03-2024 with the NBB · fiscal year 2023 · micro

Operating resultNet result

Trajectory (indicative)

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

declining At this pace, equity would indicatively turn negative around fiscal year 2024, 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 2023 · NACE 94 · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	81.0%	63.5%	better than 67% of 81 sector peers
Net result	€-21k	€4k	better than 14% of 80 sector peers
Equity	€245k	€82k	better than 71% of 81 sector peers
Gross operating margin	€338k	€90k	better than 80% of 82 sector peers
Staff costs	€349k	€132k	higher than 79% of 49 sector peers

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

EBITDA

€-11k

-660.2% 18-23

Net profit

€-21k

-92.8% 18-23

Cash flow

€-11k

-435.1% 18-23

Total assets

€303k

-13.9% 18-23

Equity

€245k

-8.0% 18-23

Working capital

€230k

-15.7% 18-23

Employees (FTE)

7

-16.1% 18-23

Staff costs

€349k

-19.7% 18-23

Show 9 other metrics

Debt

€58k

-32.5% 18-23

Debt ≤ 1y

€58k

+16.1% 18-23

Current ratio

4.99

-23.2% 18-23

Quick ratio

4.99

-23.2% 18-23

Solvency

81.0%

+6.9% 18-23

Debt / equity

0.24

-26.7% 18-23

ROE

-8.7%

-109.5% 18-23

ROA

-7.0%

-124.0% 18-23

Interest coverage

-18.32

-789.4% 18-23

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2023
Deposit	micro
Revenue	-
EBITDA	€-11k
Net profit	€-21k
Cash flow	€-11k
Staff costs	€349k
Income taxes	-
Dividends	-
Total assets	€303k
Equity	€245k
Debt	€58k
of which ≤ 1y	€58k
of which > 1y	-
Working capital	€230k
Employees (FTE)	7.3

Ratios (computed)

	2023
Current ratio	4.99
Quick ratio	4.99
Working capital ratio	76.0%
Solvency	81.0%
Debt / equity	0.24
Long-term debt ratio	-
Interest coverage	-18.32
Gross margin	-
Net margin	-
ROA	-7.0%
ROE	-8.7%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2023

Assets

Fixed assets €15k · 5.0% Current assets €288k · 95.1%

Equity & liabilities

Equity €245k · 81.0% Debt €58k · 19.0%

Full annual accounts (21 line items)

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

Line item	Code	2023
Balance sheet, Assets
TOTAL ASSETS	20/58	€303k
Fixed assets	21/28	€15k
Intangible fixed assets	21	€9k
Tangible fixed assets	22/27	€6k
Current assets	29/58	€288k
Amounts receivable within one year	40/41	€31k
Cash & bank	54/58	€218k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€303k
Equity	10/15	€245k
Reserves	13	€279k
Accumulated profits (losses)	14	€-33k
Amounts payable	17/49	€58k
Amounts payable within one year	42/48	€58k
Trade debts payable within one year	44	€16k
Income statement
Gross operating margin	9900	€338k
Operating result	9901	€-21k
Financial income	75	€200
Financial charges	65	€599
Result before taxes	9903	€-21k
Net result for the period	9904	€-21k
Result to be appropriated	9905	€-21k

This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Directors & mandates 20 directors

Directors derived from a single State Gazette act, under verification

All 9 current directors first appear in the same act (23062637). Founders or capital subscribers may have been counted as directors here; the real board composition is being verified.

Current directors & mandates

Bollen Yelter
Director
State Gazette act 23062637 (10-05-2023)

Current
10-05-2023 → present
Conix Bartholomeus
Director
State Gazette act 23062637 (10-05-2023)

Current
10-05-2023 → present
Madry Frédéric
Director
State Gazette act 23062637 (10-05-2023)

Current
10-05-2023 → present
Van Elsen Greg
Director
State Gazette act 23062637 (10-05-2023)

Current
10-05-2023 → present
Van Laecke Erk
Director
State Gazette act 23062637 (10-05-2023)

Current
10-05-2023 → present
Vanderkelen Jana
Director
State Gazette act 23062637 (10-05-2023)

Current
10-05-2023 → present

Show 3 more sitting directors

Deruytter Laura
Director
State Gazette act 23062637 (10-05-2023)

Current
08-01-2019 → present
4 events
- 10-05-2023 Appointed· Director
- 06-06-2019 Appointed· Director
- 08-01-2019 Appointed· Raad van bestuur
- 08-01-2019 Appointed· Director
Verbraeken Floris
Director
State Gazette act 23062637 (10-05-2023)

Current
08-01-2019 → present
4 events
- 10-05-2023 Appointed· Director
- 06-06-2019 Appointed· Director
- 08-01-2019 Appointed· Raad van bestuur
- 08-01-2019 Appointed· Director
Mulder Joost
Chair
State Gazette act 23062637 (10-05-2023)

Current
14-07-2016 → present
5 events
- 10-05-2023 Appointed· Chair
- 06-06-2019 Appointed· Director
- 08-01-2019 Appointed· Director
- 08-03-2017 Appointed· Raad van bestuur
- 14-07-2016 Appointed· Raad van bestuur

Historic, not recently confirmed (6)

These mandates remain open in the register but have not been confirmed by a new act in over six years. They do not count as active directors.

Erik Baelus
Director
State Gazette act 19076231 (06-06-2019)

Not recently confirmed
last confirmed in an act from 2019
4 events
- 10-05-2023 Resigned· Director
- 06-06-2019 Appointed· Director
- 08-01-2019 Appointed· Director
- 08-03-2017 Appointed· Raad van bestuur
Pieter-Jan Van de Velde
Director
State Gazette act 19076231 (06-06-2019)

Not recently confirmed
last confirmed in an act from 2019
5 events
- 10-05-2023 Resigned· Director
- 06-06-2019 Appointed· Director
- 08-01-2019 Appointed· Director
- 08-03-2017 Appointed· Raad van bestuur
- 26-05-2015 Appointed· Director
Van Laecke Erik
Director
State Gazette act 19076231 (06-06-2019)

Not recently confirmed
last confirmed in an act from 2019
3 events
- 06-06-2019 Appointed· Director
- 08-01-2019 Appointed· Director
- 08-03-2017 Appointed· Raad van bestuur
Isabel Bombeke
Director
State Gazette act 19004007 (08-01-2019)

Not recently confirmed
last confirmed in an act from 2019
3 events
- 08-01-2019 Appointed· Director
- 08-03-2017 Appointed· Raad van bestuur
- 26-05-2015 Appointed· Director
Van Damme Robert
Raad van bestuur
State Gazette act 17036587 (08-03-2017)

Not recently confirmed
last confirmed in an act from 2017
3 events
- 08-01-2019 Resigned· Director
- 08-03-2017 Appointed· Raad van bestuur
- 26-05-2015 Appointed· Director
Fafchamps Pierre
Director
State Gazette act 14145897 (29-07-2014)

Not recently confirmed
last confirmed in an act from 2014
2 events
- 23-02-2015 Resigned· Director
- 29-07-2014 Appointed· Director

Former directors (5)

Van Der Kelen Jana
Director
State Gazette act 25087847 (10-07-2025)

Former
- → 10-07-2025
De Vriendt Johan
Raad van bestuur
State Gazette act 17036587 (08-03-2017)

Former
08-03-2017 → 08-01-2019
2 events
- 08-01-2019 Resigned· Raad van bestuur
- 08-03-2017 Appointed· Raad van bestuur
Desmedt Luc
Raad van bestuur
State Gazette act 17036587 (08-03-2017)

Former
23-02-2015 → 08-01-2019
3 events
- 08-01-2019 Resigned· Raad van bestuur
- 08-03-2017 Appointed· Raad van bestuur
- 23-02-2015 Appointed· Director
Vervliet Emiel
Raad van bestuur
State Gazette act 17036587 (08-03-2017)

Former
26-05-2015 → 08-01-2019
3 events
- 08-01-2019 Resigned· Director
- 08-03-2017 Appointed· Raad van bestuur
- 26-05-2015 Appointed· Director
Tijskens Tjeu
Raad van bestuur
State Gazette act 17036587 (08-03-2017)

Former
- → 08-03-2017

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Legal Structure

NACE primary	Overige verenigingen, neg(94999)
Legal form	Non-profit association(017)
Incorporation	27-06-1982
Status	Active
Postal code	1030

Establishment units 1 location

FairFin

Vooruitgangstraat 323, 1030 SchaarbeekOverige verenigingen, n.e.g.

since 20062.155.718.793

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.

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21910E0038/00B009	Brussels	1,633 m²	1 · 1,570 m²	17.3 m · 2 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 20 events

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

2025

10-07-2025

State Gazette act Registered-office change

Joost Mulder

2024

29-03-2024

NBB filing Annual accounts filed

fiscal year 2023 · micro

2023

29-06-2023

NBB filing Annual accounts filed

fiscal year 2022 · micro

10-05-2023

State Gazette act Director changes

v3.2

2022

23-06-2022

NBB filing Annual accounts filed

fiscal year 2021 · micro

2021

25-06-2021

NBB filing Annual accounts filed

fiscal year 2020 · micro

2020

02-07-2020

NBB filing Annual accounts filed

fiscal year 2019 · verkort

2019

03-07-2019

NBB filing Annual accounts filed

fiscal year 2018 · verkort

06-06-2019

State Gazette act Director changes

v3.2

08-01-2019

State Gazette act Director changes

v3.2

08-01-2019

State Gazette act Director changes

v3.2

2018

30-07-2018

NBB filing Annual accounts filed

fiscal year 2017 · verkort

2017

26-07-2017

NBB filing Annual accounts filed

fiscal year 2016 · verkort

08-03-2017

State Gazette act Director changes

v3.2

2016

14-07-2016

State Gazette act Director changes

v3.2

04-07-2016

NBB filing Annual accounts filed

fiscal year 2015 · verkort

2015

26-05-2015

State Gazette act Director changes

v3.2

05-05-2015

NBB filing Annual accounts filed

fiscal year 2014 · verkort

23-02-2015

State Gazette act Statutes amendment

v3.2

2014

29-07-2014

State Gazette act Director changes

v3.2

Belgian State Gazette reading coverage 0 of 14 acts read

We know of 14 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 10 acts

Address history · 1

10-07-2025

Registered-office move

All acts · 10 updated 1 year ago

2025

10-07-2025 Registered office moved within Schaarbeek Registered-office change·Joost Mulder

Vooruitgangstraat 333/9, 1030 Schaarbeek → Vooruitgangstraat 323/10, 1030 Schaarbeek

Notary: Joost Mulder · Brussel

Original publication ↗

Technical details

{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_social",
      "new_address": {
        "raw": "Vooruitgangstraat 323/10, 1030 Schaarbeek",
        "city": "Schaarbeek",
        "region": "brussels_hoofdstedelijk_gewest",
        "street": "Vooruitgangstraat",
        "country": "BE",
        "postcode": "1030",
        "box_number": "10",
        "street_number": "323",
        "locality_suffix": "(SCH)"
      },
      "old_address": {
        "raw": "Vooruitgangstraat 333/9, 1030 Schaarbeek",
        "city": "Schaarbeek",
        "region": "brussels_hoofdstedelijk_gewest",
        "street": "Vooruitgangstraat",
        "country": "BE",
        "postcode": "1030",
        "box_number": "9",
        "street_number": "333",
        "locality_suffix": "(SCH)"
      },
      "effective_date": "2025-05-20",
      "evidence_quote": "Het bestuur van FairFin heeft in haar zitting van 20 mei 2025 tevens beslist om de maatschappelijke zetel van de vereniging zonder winstoogmerk te verplaatsen. Oud adres: Vooruitgangstraat 333/9, 1030 Schaarbeek",
      "region_changed": false,
      "is_statute_change": false,
      "nationality_change": false,
      "old_address_source": "act_body",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "absolute",
      "statutaire_vs_werkelijke": "statutaire",
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": "Joost Mulder",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Brussel",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2025-07-10",
    "filing_date": "2025-07-02",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
    "body": "raad_van_bestuur",
    "date": "2025-05-20",
    "unanimous": true
  },
  "subject_company": {
    "kbo": "0423.552.973",
    "name_full": "FairFin",
    "legal_form": "VZW"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Joost Mulder",
    "org_rep_person_name": null,
    "person_role_at_subject": "bestuurder"
  },
  "co_filed_documents": [
    "betalingsbewijs aan het Belgisch Staatsblad",
    "ondertekend verslag van de notulen van de bestuursvergadering van 20 mei 2025",
    "drie exemplaren van formulier I",
    "twee exemplaren van formulier II"
  ]
}

2023

10-05-2023 9 directors appointed, 2 resigning Director changes

Mulder Joost, Voorzitter
Conix Bartholomeus, Bestuurder
Van Laecke Erk, Bestuurder
Verbraeken Floris, Bestuurder
Madry Frédéric, Bestuurder
Van Elsen Greg, Bestuurder
Vanderkelen Jana, Bestuurder
Deruytter Laura, Bestuurder

Summary: v3.2

Original publication ↗

Technical details

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        "address": null,
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      }
    },
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      "kind": "director_in",
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        "address": null,
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      }
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        "rrn": null,
        "name": "Vanderkelen Jana",
        "address": null,
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      }
    },
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      "role": "bestuurder",
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      }
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Bollen Yelter",
        "address": null,
        "birth_date": null
      }
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "extractor": "qwen3-30b-a3b"
  },
  "subject_company": {
    "kbo": "0423.552.973",
    "name_full": "FairFin vzw"
  }
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2019

06-06-2019 6 directors appointed Director changes

Baelus Erik, Bestuurder
Deruytter Laura, Bestuurder
Mulder Joost, Bestuurder
Van de Velde Pieter-Jan, Bestuurder
Van Laecke Erik, Bestuurder
Verbraeken Floris, Bestuurder

Summary: v3.2

Original publication ↗

Technical details

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  "events": [
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      "kind": "director_in",
      "role": "bestuurder",
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        "name": "Baelus Erik",
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      "role": "bestuurder",
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      }
    },
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      }
    },
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        "rrn": null,
        "name": "Van de Velde Pieter-Jan",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
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        "address": null,
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      }
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Verbraeken Floris",
        "address": null,
        "birth_date": null
      }
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "extractor": "qwen3-30b-a3b"
  },
  "subject_company": {
    "kbo": "0423.552.973",
    "name_full": "FairFin"
  }
}

08-01-2019 2 directors appointed, 2 resigning Director changes

Deruytter Laura, Raad van bestuur
Verbraeken Floris, Raad van bestuur
De Vriendt Johan, Raad van bestuur
Desmedt Luc, Raad van bestuur

Summary: v3.2

Original publication ↗

Technical details

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  "events": [
    {
      "kind": "director_out",
      "role": "raad van bestuur",
      "person": {
        "rrn": null,
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    },
    {
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      }
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08-01-2019 7 directors appointed, 2 resigning Director changes

Erik Baelus, Bestuurder
Isabel Bombeke, Bestuurder
Laura Deruytter, Bestuurder
Joost Mulder, Bestuurder
Pieter-Jan Van de Velde, Bestuurder
Erik Van Laecke, Bestuurder
Floris Verbraeken, Bestuurder
Robert Van Damme, Bestuurder

Summary: v3.2

Original publication ↗

Technical details

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2017

08-03-2017 9 directors appointed, 1 resigning Director changes

Baelus Erik, Raad van bestuur
Bombeke Isabel, Raad van bestuur
De Vriendt Johan, Raad van bestuur
Desmedt Luc, Raad van bestuur
Mulder Joost, Raad van bestuur
Van Damme Robert, Raad van bestuur
Van de Velde Pieter-Jan, Raad van bestuur
Van Laecke Erik, Raad van bestuur

Summary: v3.2

Original publication ↗

Technical details

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2016

14-07-2016 Mulder Joost appointed as raad van bestuur Director changes

Mulder Joost, Raad van bestuur

Summary: v3.2

Original publication ↗

Technical details

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2015

26-05-2015 4 directors appointed Director changes

Bombeke Isabel, Bestuurder
Van Damme Robert, Bestuurder
Van de Velde Pieter-Jan, Bestuurder
Vervliet Emiel, Bestuurder

Summary: v3.2

Original publication ↗

Technical details

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23-02-2015 Articles of association amended Statutes amendment

Summary: v3.2

Original publication ↗

Technical details

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2014

29-07-2014 Fafchamps Pierre appointed as director Director changes

Fafchamps Pierre, Bestuurder

Summary: v3.2

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Overige verenigingen, neg94999Markt- en opinieonderzoek73200Overige zakelijke dienstverlening, neg82990

Primary activity highlighted.

Names & trade names

Legal nameNL

FairFin

Registered office

Vooruitgangstraat 323 bus 10

1030 Schaarbeek, Belgium

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

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