FIL & CO
ActiveFIL & CO has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €34k and a net result of €102. Equity is growing by ~22.4% per year across the filed fiscal years. Its solvency ranks better than 57% of 13044 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
62
/ 100
Healthy▲ +18 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability1▲+1
Solvency56▲+11
Growth52=
Stability100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.85 against 0.31 in 2024), and 61.8% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
38.2%
Return on assets
0.1%
Age of the figures
8 mo
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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
37 d early
2023
35 d early
2022
14 d early
2021
3 d early
2020
2 d early
2019
1 d early
← 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, micro schema
Equity
€34k▲ 0.3%
2024 · €34k
2018: €-9k
2019: €-2k
2020: €8k
2021: €42k
2022: €37k
2023: €24k
2024: €34k
2018 → 2025
Total assets
€89k▼ 5.8%
2024 · €95k
2018: €24k
2019: €38k
2020: €33k
2021: €68k
2022: €63k
2023: €76k
2024: €95k
2018 → 2025
Net result
€102
2024 · €-3k
2018: €3k
2019: €7k
2020: €10k
2021: €34k
2022: €-4k
2023: €-13k
2024: €-3k
2018 → 2025
Working capital
€-6k▲ 86.5%
2024 · €-42k
2018: €-9k
2019: €-27k
2020: €-5k
2021: €18k
2022: €2k
2023: €-26k
2024: €-42k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€42k-€37k▼ 10.7%€24k▼ 34.4%€34k▲ 38.9%€34k▲ 0.3%
Operating result€42k-€675▼ 98.4%€-7k€2k€6k▲ 187%
Net result€34k-€-4k€-13k▼ 188%€-3k▲ 77.7%€102
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 187% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €89k
Fixed assets
€58k▼ 24.0%
Current assets
€31k▲ 68.8%
Equity and liabilities €89k
Equity
€34k▲ 0.3%
Debt
€55k▼ 9.2%
The debt ratio falls from 64.1% to 61.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€24k▲
2024 · €9k
Cash flow
€18k▲
2024 · €4k
Solvency
38.2%▲
2024 · 35.9%
Current ratio
0.85▲
2024 · 0.31
Quick ratio
0.74▲
2024 · 0.26
Debt / equity
1.62▼
2024 · 1.78
ROE
0.3%▲
2024 · -8.4%
ROA
0.1%▲
2024 · -3.0%
Interest coverage
10.90▲
2024 · 4.75
Debt
€55k▼
2024 · €61k
Debt ≤ 1 year
€37k▼
2024 · €61k
Income taxes
€4k▲
2024 · €3k
Staff costs
€59k▲
2024 · €55k
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€95k€89k▼
Fixed assets21/28€76k€58k▼
Tangible fixed assets22/27€76k€58k▼
Land and buildings22€52k€41k▼
Plant, machinery and equipment23€22k€15k▼
Furniture and vehicles24€2k€1k▼
Financial fixed assets28€150€150=
Current assets29/58€19k€31k▲
Stocks and contracts in progress3€3k€4k▲
Stocks30/36€3k€4k▲
Amounts receivable within one year40/41€9k€13k▲
Trade receivables40€6k€8k▲
Other amounts receivable41€3k€4k▲
Cash at bank and in hand54/58€7k€9k▲
Deferred charges and accrued income490/1-€5k
Equity and liabilities
Total equity and liabilities10/49€95k€89k▼
Equity10/15€34k€34k▲
Contributions10/11€19k€19k=
Reserves13€36k€36k=
Tax-exempt reserves132€4k€4k=
Distributable reserves133€32k€32k=
Profit (loss) carried forward14€-20k€-20k▲
Amounts payable17/49€61k€55k▼
Amounts payable within one year42/48€61k€37k▼
Trade debts44€12k€17k▲
Suppliers440/4€12k€17k▲
Advances received on contracts in progress46€2k€7k▲
Taxes, remuneration and social security45€6k€9k▲
Taxes450/3€3k€6k▲
Remuneration and social security454/9€4k€3k▼
Other amounts payable47/48€41k€4k▼
Accrued charges and deferred income492/3-€18k
Income statement
Code20242025
Remuneration, social security and pensions62€55k€59k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€18k▲
Other operating charges640/8€6k€3k▼
Gross operating margin9900€70k€86k▲
Operating profit (loss)9901€2k€6k▲
Financial income75/76B€1€1▲
Recurring financial income75€1€1▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€208€4k▲
Income taxes67/77€3k€4k▲
Profit (loss) for the period9904€-3k€102▲
Profit (loss) for the period to be appropriated9905€-3k€102▲
Appropriation of the result
Profit (loss) to be appropriated9906€-20k€-20k▲
Profit (loss) brought forward from the previous period14P€-17k€-20k▼
The notes to these accounts (8 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €102
Net result €102 after 3 loss-making years.
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-13k
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €34k ▲222%
Operating result €42k, net result €34k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 1.70
Current ratio from 0.79 to 1.70; short-term debt falls from €25k to €25k.
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Keerbergen · 1 establishment unit since 2006
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.
Putsebaan 393140 KeerbergenGround area
445 m²
Building footprint
162 m²
Volume, LiDAR
1,114 m³
Parcel 24048B0108/00C004, Flanders · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
-
since 20062.154.869.747
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24048B0108/00C004 | Flanders | 445 m² | 1 · 162 m² | 11.0 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteKeerbergen2.154.869.747
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Of 13,834 companies in sector 56301 we hold annual accounts for 4,807. 4,035 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-06-2006
Fiscal year end31-12
Activities, NACEBEL
55401
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.