FEMAVEST
ActiveFEMAVEST 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 €1.17M and a net result of €279k. Equity is growing by ~98.6% per year across the filed fiscal years. Its solvency ranks better than 43% of 31510 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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-07-2026, 25 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
25 d early
2024
28 d early
2023
15 d early
2022
41 d early
2021
37 d early
2020
5 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.17M▲ 34.5%
2024 · €868k
2020: €51k
2021: €75k
2022: €266k
2023: €418k
2024: €868k
2020 → 2025
Net result
€279k▼ 38.5%
2024 · €454k
2020: €1k
2021: €25k
2022: €192k
2023: €154k
2024: €454k
2020 → 2025
Total assets
€2.43M▲ 3.5%
2024 · €2.34M
2020: €2.28M
2021: €2.23M
2022: €2.21M
2023: €2.35M
2024: €2.34M
2020 → 2025
Solvency
48.1%▲ 11.1pp
2024 · 37.0%
2020: 2.2%
2021: 3.4%
2022: 12.0%
2023: 17.8%
2024: 37.0%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€75k-€266k▲ 254%€418k▲ 57.3%€868k▲ 108%€1.17M▲ 34.5%
Operating result€52k-€90k▲ 74.3%€142k▲ 56.5%€184k▲ 29.6%€228k▲ 24.5%
Net result€25k-€192k▲ 680%€154k▼ 20.0%€454k▲ 195%€279k▼ 38.5%
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 24% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.43M
Fixed assets
€2.28M▼ 1.0%
Current assets
€148k▲ 251%
Equity and liabilities €2.43M
Equity
€1.17M▲ 34.5%
Debt
€1.26M▼ 14.7%
The debt ratio falls from 63.0% to 51.9%: equity grows while debt is paid down.
Key figures and ratios
Solvency
48.1%▲
2024 · 37.0%
ROE
23.9%▼
2024 · 52.3%
ROA
11.5%▼
2024 · 19.4%
Debt
€1.26M▼
2024 · €1.48M
Debt ≤ 1 year
€144k▲
2024 · €129k
Debt > 1 year
€1.10M▼
2024 · €1.33M
Income taxes
€51k▲
2024 · €30k
Staff costs
€51k▲
2024 · €50k
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€2.34M€2.43M▲
Fixed assets21/28€2.30M€2.28M▼
Tangible fixed assets22/27€883k€861k▼
Land and buildings22€461k€452k▼
Plant, machinery and equipment23€221k€210k▼
Furniture and vehicles24€7k€4k▼
Other tangible fixed assets26€195k€195k=
Financial fixed assets28€1.42M€1.42M=
Current assets29/58€42k€148k▲
Amounts receivable within one year40/41€29k€31k▲
Trade receivables40€29k€31k▲
Cash at bank and in hand54/58€10k€113k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€2.34M€2.43M▲
Equity10/15€868k€1.17M▲
Contributions10/11€50k€75k▲
Reserves13€25k€25k=
Distributable reserves133€25k€25k=
Profit (loss) carried forward14€794k€1.07M▲
Amounts payable17/49€1.48M€1.26M▼
Amounts payable after more than one year17€1.33M€1.10M▼
Financial debts170/4€1.33M€1.10M▼
Other amounts payable178/9€1k€1k=
Amounts payable within one year42/48€129k€144k▲
Current portion of amounts payable after more than one year42€112k€114k▲
Trade debts44€2k€5k▲
Suppliers440/4€2k€5k▲
Taxes, remuneration and social security45€11k€23k▲
Taxes450/3€2k€14k▲
Remuneration and social security454/9€9k€9k▲
Other amounts payable47/48€3k€2k▼
Accrued charges and deferred income492/3€21k€13k▼
Income statement
Code20242025
Remuneration, social security and pensions62€50k€51k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€54k€54k▲
Other operating charges640/8€4k€4k▲
Gross operating margin9900€291k€339k▲
Operating profit (loss)9901€184k€228k▲
Financial income75/76B€350k€135k▼
Recurring financial income75€350k€135k▼
Financial charges65/66B€49k€33k▼
Recurring financial charges65€49k€33k▼
Profit (loss) for the period before taxes9903€484k€330k▼
Income taxes67/77€30k€51k▲
Profit (loss) for the period9904€454k€279k▼
Profit (loss) for the period to be appropriated9905€454k€279k▼
Appropriation of the result
Profit (loss) to be appropriated9906€797k€1.07M▲
Profit (loss) brought forward from the previous period14P€343k€789k▲
Profit to be distributed694/7€3k-
Return on contributions (dividend)694€3k-
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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity triplescurrent ratio 1.03
Current ratio from 0.33 to 1.03.
31-12
Financial
Equity above €1MEq €1.17M ▲34.5%
6 profitable years in a row build equity to €1.17M.
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · unclassified schema
2024
31-12
Financial
Highest result since 2020net €454k ▲195%
Net result €454k, the highest in the series.
31-12
Financial
Equity above €500kEq €868k ▲108%
5 profitable years in a row build equity to €868k.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · unclassified schema
2023
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · unclassified schema
2022
31-12
Financial
Equity above €200kEq €266k ▲254%
3 profitable years in a row build equity to €266k.
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · unclassified schema
2021
05-08
NBB filing
Annual accounts filed
fiscal year 2020 · unclassified schema · 5 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Büllingen · 2 establishment units 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.
Hergersberg 604760 Büllingen2 establishment units
FEMAVEST
since 20192.296.700.672
FEMAVEST
since 20192.296.700.771
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ZAKENKANTOOR VANRUSSELT
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Of 4,666 companies in sector 66220 we hold annual accounts for 3,215. 2,060 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-12-2019
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
70100Activities of head offices
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filings
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.