FDB-INVEST
ActiveFDB-INVEST 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 €2.14M and a net result of €60k. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 52% of 5485 sector peers (fiscal year 2025). The company has been active since 2006 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 · Latest accounts filed on time
The financial year that closed on 31-08-2025 was due by 31-03-2026 and was filed on 27-03-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
25 d early
2023
102 d early
2022
7 d early
2021
121 d early
2020
132 d early
2019
77 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-08-2026 and is due by 31-03-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-08-2026 close11-09-2026 today31-03-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.14M▲ 2.8%
2024 · €2.08M
2019: €1.98M
2020: €1.98M
2021: €1.97M
2022: €2.02M
2023: €2.05M
2024: €2.08M
2019 → 2025
Net result
€60k▲ 59.2%
2024 · €37k
2019: €24k
2020: €412
2021: €-8k
2022: €32k
2023: €31k
2024: €37k
2019 → 2025
Total assets
€3.96M▼ 3.4%
2024 · €4.10M
2019: €4.96M
2020: €4.78M
2021: €4.61M
2022: €4.45M
2023: €4.28M
2024: €4.10M
2019 → 2025
Solvency
54.1%▲ 3.3pp
2024 · 50.9%
2019: 40.1%
2020: 41.4%
2021: 42.8%
2022: 45.3%
2023: 47.8%
2024: 50.9%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€401k-€423k▲ 5.4%€462k▲ 9.1%€502k▲ 8.7%
Equity€1.97M-€2.02M▲ 2.3%€2.05M▲ 1.4%€2.08M▲ 1.7%€2.14M▲ 2.8%
Operating result€18k-€74k▲ 310%€91k▲ 23.7%€125k▲ 37.5%€138k▲ 10.5%
Net result€-8k-€32k€31k▼ 5.3%€37k▲ 22.4%€60k▲ 59.2%
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 10% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.96M
Fixed assets
€3.60M▼ 3.8%
Current assets
€357k▲ 1.0%
Equity and liabilities €3.96M
Equity
€2.14M▲ 2.8%
Provisions
€56k▼ 9.0%
Debt
€1.76M▼ 9.8%
The debt ratio falls from 47.6% to 44.5%: equity grows while debt is paid down.
Key figures and ratios
Solvency
54.1%▲
2024 · 50.9%
ROE
2.8%▲
2024 · 1.8%
ROA
1.5%▲
2024 · 0.9%
Debt
€1.76M▼
2024 · €1.95M
Debt ≤ 1 year
€278k▼
2024 · €278k
Debt > 1 year
€1.48M▼
2024 · €1.67M
Income taxes
€20k▲
2024 · €19k
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€4.10M€3.96M▼
Fixed assets21/28€3.74M€3.60M▼
Tangible fixed assets22/27€3.74M€3.60M▼
Land and buildings22€3.74M€3.60M▼
Current assets29/58€353k€357k▲
Amounts receivable after more than one year29€26k€177k▲
Other amounts receivable291€26k€177k▲
Stocks and contracts in progress3€0-
Amounts receivable within one year40/41€289k€144k▼
Trade receivables40€225k€80k▼
Other amounts receivable41€64k€64k▼
Cash at bank and in hand54/58€11k€8k▼
Deferred charges and accrued income490/1€28k€28k▲
Equity and liabilities
Total equity and liabilities10/49€4.10M€3.96M▼
Equity10/15€2.08M€2.14M▲
Contributions10/11€1.08M€1.08M=
Capital10€1.08M€1.08M=
Issued capital100€1.08M€1.08M=
Reserves13€833k€867k▲
Non-distributable reserves130/1€108k€108k=
Legal reserve130€108k€108k=
Tax-exempt reserves132€186k€169k▼
Distributable reserves133€540k€590k▲
Profit (loss) carried forward14€56k€83k▲
Investment grants15€118k€116k▼
Provisions and deferred taxes16€62k€56k▼
Deferred taxes168€62k€56k▼
Amounts payable17/49€1.95M€1.76M▼
Amounts payable after more than one year17€1.67M€1.48M▼
Financial debts170/4€1.67M€1.47M▼
Credit institutions173€1.67M-
Other amounts payable178/9€2k€2k=
Amounts payable within one year42/48€278k€278k▼
Current portion of amounts payable after more than one year42€192k€192k=
Financial debts43€20k€20k=
Credit institutions430/8€20k€20k=
Trade debts44€51k€53k▲
Suppliers440/4€51k€53k▲
Taxes, remuneration and social security45€4k€224▼
Taxes450/3€4k€224▼
Other amounts payable47/48€12k€13k▲
Accrued charges and deferred income492/3€4k€4k▼
Income statement
Code20242025
Operating income70/76A€519k-
Turnover70€502k-
Other operating income74€18k-
Operating charges60/66A€394k-
Services and other goods61€210k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€143k€143k=
Other operating charges640/8€41k€39k▼
Gross operating margin9900-€321k
Operating profit (loss)9901€125k€138k▲
Financial income75/76B€5k€4k▼
Recurring financial income75€5k€4k▼
Income from financial fixed assets750€2k-
Other financial income752/9€3k-
Financial charges65/66B€80k€68k▼
Recurring financial charges65€80k€68k▼
Debt charges650€79k-
Other financial charges652/9€303-
Profit (loss) for the period before taxes9903€51k€74k▲
Transfer from deferred taxes780€6k€6k=
Income taxes67/77€19k€20k▲
Taxes670/3€19k-
Profit (loss) for the period9904€37k€60k▲
Transfer from tax-exempt reserves789€17k€17k=
Profit (loss) for the period to be appropriated9905€54k€76k▲
Appropriation of the result
Profit (loss) to be appropriated9906€106k€133k▲
Profit (loss) brought forward from the previous period14P€52k€56k▲
Transfer to equity691/2€50k€50k=
To other reserves6921€50k€50k=
The notes to these accounts (13 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
27-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-08
Financial
Highest result since 2019net €60k ▲59.2%
Operating result €138k, net result €60k, both a record.
06-03
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2023
20-12
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
24-03
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-08
Financial
Back to profitnet €32k
Net result €32k after one loss-making year.
31-08
Financial
Equity above €2MEq €2.02M ▲2.3%
Equity rises from €1.97M to €2.02M.
2021
30-11
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
31-08
Financial
Weakest financial yearnet €-8k ▼2087%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
2020
19-11
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
14-01
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
26-11
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
20-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
06-01
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
7 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, Oostkamp · 1 establishment unit since 2006
Ground area
283 m²
Building footprint
89 m²
Volume, LiDAR
425 m³
Parcel 31403H0467/00T000, Flanders · tallest building 8.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
FDB-INVEST
since 20062.156.216.463
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31403H0467/00T000indicative | Flanders | 283 m² | 1 · 89 m² | 8.5 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 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 24,639 companies in sector 64210 we hold annual accounts for 19,694. 10,684 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded21-09-2006
Fiscal year end31-08
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.