Fectum
ActiveFectum has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €275k and a net result of €60k. Equity is growing by ~28.3% per year across the filed fiscal years. Its solvency ranks better than 87% of 9438 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability93▲+4
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 6.88 against 9.76 in 2024; short-term debt: 13% and cash: 66.1% of total assets), and 13.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
86.9%
Return on assets
19.1%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-03-2026, 31 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
31 d early
2024
22 d early
2023
22 d early
2022
2 d early
2021
50 d early
2020
53 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
20-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€275k▲ 27.7%
2024 · €215k
2020: €42k
2021: €97k
2022: €136k
2023: €179k
2024: €215k
2020 → 2025
Total assets
€316k▲ 34.8%
2024 · €235k
2020: €155k
2021: €189k
2022: €215k
2023: €225k
2024: €235k
2020 → 2025
Net result
€60k▲ 60.6%
2024 · €38k
2020: €38k
2021: €55k
2022: €46k
2023: €43k
2024: €38k
2020 → 2025
Working capital
€241k▲ 48.9%
2024 · €162k
2020: €-10k
2021: €12k
2022: €108k
2023: €97k
2024: €162k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€97k-€136k▲ 41.0%€179k▲ 30.9%€215k▲ 20.6%€275k▲ 27.7%
Operating result€78k-€73k▼ 7.1%€57k▼ 21.0%€54k▼ 5.9%€84k▲ 55.4%
Net result€55k-€46k▼ 17.7%€43k▼ 5.4%€38k▼ 12.6%€60k▲ 60.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 55% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €316k
Fixed assets
€34k▼ 37.3%
Current assets
€282k▲ 56.4%
Equity and liabilities €316k
Equity
€275k▲ 27.7%
Debt
€41k▲ 114%
The debt ratio rises from 8.2% to 13.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€96k▲
2024 · €84k
Cash flow
€73k▲
2024 · €68k
Solvency
86.9%▼
2024 · 91.8%
Current ratio
6.88▼
2024 · 9.76
Quick ratio
6.88▼
2024 · 9.76
Debt / equity
0.15▲
2024 · 0.09
ROE
22.0%▲
2024 · 17.5%
ROA
19.1%▲
2024 · 16.0%
Interest coverage
167.76▼
2024 · 208.17
Debt
€41k▲
2024 · €19k
Debt ≤ 1 year
€41k▲
2024 · €18k
Income taxes
€24k▲
2024 · €16k
Staff costs
€415▲
2024 · €365
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€235k€316k▲
Fixed assets21/28€54k€34k▼
Intangible fixed assets21€88€0▼
Tangible fixed assets22/27€54k€34k▼
Plant, machinery and equipment23-€1k
Furniture and vehicles24€47k€28k▼
Other tangible fixed assets26€7k€5k▼
Current assets29/58€181k€282k▲
Amounts receivable within one year40/41€12k€39k▲
Trade receivables40€10k€39k▲
Other amounts receivable41€2k€0▼
Current investments50/53€0-
Cash at bank and in hand54/58€130k€209k▲
Deferred charges and accrued income490/1€39k€34k▼
Equity and liabilities
Total equity and liabilities10/49€235k€316k▲
Equity10/15€215k€275k▲
Reserves13€215k€275k▲
Distributable reserves133€215k€275k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€19k€41k▲
Amounts payable within one year42/48€18k€41k▲
Financial debts43€23€0▼
Other loans439€23€0▼
Trade debts44€8k€3k▼
Suppliers440/4€8k€3k▼
Taxes, remuneration and social security45€5k€30k▲
Taxes450/3€2k€27k▲
Remuneration and social security454/9€3k€3k=
Other amounts payable47/48€6k€8k▲
Accrued charges and deferred income492/3€842€383▼
Income statement
Code20242025
Non-recurring operating income76A-€18k
Remuneration, social security and pensions62€365€415▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€13k▼
Other operating charges640/8€3k€2k▼
Non-recurring operating charges66A€797€0▼
Gross operating margin9900€88k€98k▲
Operating profit (loss)9901€54k€84k▲
Financial income75/76B€2€950▲
Recurring financial income75€2€950▲
Financial charges65/66B€406€575▲
Recurring financial charges65€406€575▲
Profit (loss) for the period before taxes9903€54k€84k▲
Income taxes67/77€16k€24k▲
Profit (loss) for the period9904€38k€60k▲
Profit (loss) for the period to be appropriated9905€38k€60k▲
Appropriation of the result
Profit (loss) to be appropriated9906€38k€60k▲
Transfer to equity691/2€37k€60k▲
To other reserves6921€37k€60k▲
Profit to be distributed694/7€913€913=
Return on contributions (dividend)694€913€913=
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
30-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2020net €60k ▲60.6%
Operating result €84k, net result €60k, both a record.
08-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Weakest financial yearnet €38k ▼12.6%
Net result drops to €38k, the lowest in the series; recovery starts the following year.
30-09
Financial
Liquidity triplescurrent ratio 9.76
Current ratio from 3.10 to 9.76; short-term debt falls from €46k to €18k.
30-09
Financial
Equity above €200kEq €215k ▲20.6%
5 profitable years in a row build equity to €215k.
08-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Equity above €150kEq €179k ▲30.9%
4 profitable years in a row build equity to €179k.
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Liquidity triplescurrent ratio 3.66
Current ratio from 1.13 to 3.66; short-term debt falls from €89k to €41k.
30-09
Financial
Equity above €100kEq €136k ▲41%
3 profitable years in a row build equity to €136k.
11-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
08-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Herenthout · 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.
Bouwelse Steenweg 632270 HerenthoutGround area
872 m²
Building footprint
120 m²
Volume, LiDAR
677 m³
Parcel 13012E0257/00R011, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Fectum
since 20192.294.724.743
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13012E0257/00R011 | Flanders | 872 m² | 1 · 120 m² | 9.8 m · 2 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.
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Of 11,555 companies in sector 71121 we hold annual accounts for 6,561. 4,933 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-10-2019
Fiscal year end30-09
Activities, NACEBEL
71121Engineering and related technical consultancy, excluding land surveyors
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:y.vermeulen@telenet.be