Finactor
ActiveFinactor has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €40k and a net result of €40k. Equity remains stable across the filed fiscal years (±1.3% per year). Its solvency ranks better than 36% of 31616 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency63▼-18
Growth58=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.48 against 1.78 in 2024; short-term debt: 62.2% and cash: 86.2% of total assets), and 62.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
37.8%
Return on assets
37.8%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €40k
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
9 d early
2023
9 d early
2022
52 d early
2021
30 d late
2020
9 d early
2019
on the day
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€40k▲ 14.3%
2024 · €35k
2018: €41k
2019: €29k
2020: €35k
2021: €39k
2022: €30k
2023: €31k
2024: €35k
2018 → 2025
Total assets
€106k▲ 70.4%
2024 · €62k
2018: €71k
2019: €98k
2020: €104k
2021: €81k
2022: €141k
2023: €81k
2024: €62k
2018 → 2025
Net result
€40k▲ 38.1%
2024 · €29k
2018: €16k
2019: €8k
2020: €31k
2021: €34k
2022: €47k
2023: €26k
2024: €29k
2018 → 2025
Working capital
€32k▲ 49.6%
2024 · €21k
2018: €29k
2019: €-4k
2020: €9k
2021: €18k
2022: €6k
2023: €12k
2024: €21k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€39k-€30k▼ 21.1%€31k▲ 1.9%€35k▲ 12.8%€40k▲ 14.3%
Operating result€45k-€73k▲ 61.2%€36k▼ 50.7%€41k▲ 13.4%€56k▲ 37.3%
Net result€34k-€47k▲ 38.3%€26k▼ 45.4%€29k▲ 13.3%€40k▲ 38.1%
Turnover and EBIT margin not published: the abbreviated or 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 37% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €106k
Fixed assets
€8k▼ 39.2%
Current assets
€97k▲ 102%
Equity and liabilities €106k
Equity
€40k▲ 14.3%
Debt
€66k▲ 143%
The debt ratio rises from 43.6% to 62.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€65k▲
2024 · €50k
Cash flow
€49k▲
2024 · €38k
Solvency
37.8%▼
2024 · 56.4%
Current ratio
1.48▼
2024 · 1.78
Quick ratio
1.48▼
2024 · 1.78
Debt / equity
1.64▲
2024 · 0.77
ROE
100.0%▲
2024 · 82.8%
ROA
37.8%▼
2024 · 46.7%
Interest coverage
94.10▲
2024 · 75.23
Debt
€66k▲
2024 · €27k
Debt ≤ 1 year
€66k▲
2024 · €27k
Income taxes
€15k▲
2024 · €11k
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€62k€106k▲
Fixed assets21/28€14k€8k▼
Intangible fixed assets21€3k€1k▼
Tangible fixed assets22/27€10k€7k▼
Plant, machinery and equipment23€414€370▼
Furniture and vehicles24€4k€4k▼
Other tangible fixed assets26€6k€3k▼
Current assets29/58€48k€97k▲
Amounts receivable within one year40/41€11k€4k▼
Trade receivables40€630€0▼
Other amounts receivable41€11k€4k▼
Cash at bank and in hand54/58€33k€91k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€62k€106k▲
Equity10/15€35k€40k▲
Contributions10/11€9k€9k=
Reserves13€26k€31k▲
Distributable reserves133€26k€31k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€27k€66k▲
Amounts payable within one year42/48€27k€66k▲
Trade debts44€2k€5k▲
Suppliers440/4€2k€5k▲
Taxes, remuneration and social security45€0€833▲
Taxes450/3€0€833▲
Other amounts payable47/48€25k€60k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k▲
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A-€127
Gross operating margin9900€51k€66k▲
Operating profit (loss)9901€41k€56k▲
Financial income75/76B€36€37▲
Recurring financial income75€36€37▲
Financial charges65/66B€658€689▲
Recurring financial charges65€658€689▲
Profit (loss) for the period before taxes9903€40k€55k▲
Income taxes67/77€11k€15k▲
Profit (loss) for the period9904€29k€40k▲
Profit (loss) for the period to be appropriated9905€29k€40k▲
Appropriation of the result
Profit (loss) to be appropriated9906€29k€40k▲
Transfer to equity691/2€4k€5k▲
To other reserves6921€4k€5k▲
Profit to be distributed694/7€25k€35k▲
Return on contributions (dividend)694€25k€35k▲
The notes to these accounts (14 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
09-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €47k ▲38.3%
Operating result €73k, net result €47k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €8k ▼49.4%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
04-07
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.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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Directors · office · real estate
Directors
3 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, Lokeren · 1 establishment unit since 2010
Ground area
3,958 m²
Building footprint
504 m²
Volume, LiDAR
4,788 m³
2 parcels, Flanders · tallest building 15.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Tweebruggenstraat 32, 9160 Lokeren
since 20102.191.285.725
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46014A0642/00X000 | Flanders | 3,280 m² | 1 · 349 m² | 15.7 m · 4 fl. |
| 46014A0972/00B000 | Flanders | 678 m² | 1 · 155 m² | 8.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 965 EUR awarded · 965 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 126 EUR | 126 EUR |
| 2024 | 1 | 311 EUR | 311 EUR |
| 2023 | 1 | 483 EUR | 483 EUR |
| 2022 | 1 | 45 EUR | 45 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 36,687 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-08-2010
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
68310Real estate agency activities
68311Real estate activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.