FIRMITAS
ActiveFIRMITAS 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 €148k and a net result of €58k. Equity is growing by ~21.9% per year across the filed fiscal years. Its solvency ranks better than 58% of 7962 sector peers (fiscal year 2025). The company has been active since 2018 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 27-07-2026, 4 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
4 d early
2024
35 d early
2023
15 d early
2022
25 d early
2021
6 d early
2020
2 d early
2019
17 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€148k▼ 6.2%
2024 · €158k
2018: €22k
2019: €42k
2020: €66k
2021: €90k
2022: €118k
2023: €168k
2024: €158k
2018 → 2025
Net result
€58k▲ 103%
2024 · €29k
2018: €10k
2019: €20k
2020: €24k
2021: €24k
2022: €29k
2023: €43k
2024: €29k
2018 → 2025
Total assets
€242k▲ 22.6%
2024 · €197k
2018: €27k
2019: €52k
2020: €87k
2021: €96k
2022: €121k
2023: €176k
2024: €197k
2018 → 2025
Solvency
61.3%▼ 18.8pp
2024 · 80.1%
2018: 80.9%
2019: 79.7%
2020: 75.5%
2021: 93.7%
2022: 97.7%
2023: 95.3%
2024: 80.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€90k-€118k▲ 31.7%€168k▲ 41.4%€158k▼ 5.8%€148k▼ 6.2%
Operating result€35k-€42k▲ 18.0%€61k▲ 47.3%€37k▼ 39.0%€74k▲ 97.9%
Net result€24k-€29k▲ 19.1%€43k▲ 50.3%€29k▼ 33.4%€58k▲ 103%
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 98% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €242k
Fixed assets
€8k▲ 318%
Current assets
€234k▲ 19.8%
Equity and liabilities €242k
Equity
€148k▼ 6.2%
Debt
€94k▲ 139%
The debt ratio rises from 19.9% to 38.7%: debt grows while equity shrinks.
Key figures and ratios
Solvency
61.3%▼
2024 · 80.1%
ROE
39.2%▲
2024 · 18.1%
ROA
24.0%▲
2024 · 14.5%
Debt
€94k▲
2024 · €39k
Debt ≤ 1 year
€94k▲
2024 · €39k
Income taxes
€16k▲
2024 · €9k
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€197k€242k▲
Fixed assets21/28€2k€8k▲
Tangible fixed assets22/27€2k€8k▲
Plant, machinery and equipment23€607€384▼
Other tangible fixed assets26€1k€8k▲
Current assets29/58€195k€234k▲
Amounts receivable within one year40/41€9k€26k▲
Trade receivables40€0€21k▲
Other amounts receivable41€9k€4k▼
Cash at bank and in hand54/58€184k€207k▲
Deferred charges and accrued income490/1€3k€1k▼
Equity and liabilities
Total equity and liabilities10/49€197k€242k▲
Equity10/15€158k€148k▼
Contributions10/11€19k€19k=
Reserves13€139k€71k▼
Distributable reserves133€139k€71k▼
Profit (loss) carried forward14€0€58k▲
Amounts payable17/49€39k€94k▲
Amounts payable within one year42/48€39k€94k▲
Trade debts44€854€2k▲
Suppliers440/4€854€2k▲
Taxes, remuneration and social security45€14k€4k▼
Taxes450/3€14k€4k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€24k€88k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€223€506▲
Other operating charges640/8€1k€858▼
Gross operating margin9900€39k€75k▲
Operating profit (loss)9901€37k€74k▲
Financial income75/76B€0€2▲
Recurring financial income75€0€2▲
Financial charges65/66B€154€233▲
Recurring financial charges65€154€233▲
Profit (loss) for the period before taxes9903€37k€74k▲
Income taxes67/77€9k€16k▲
Profit (loss) for the period9904€29k€58k▲
Profit (loss) for the period to be appropriated9905€29k€58k▲
Appropriation of the result
Profit (loss) to be appropriated9906€29k€58k▲
Transfer from equity791/2€10k€68k▲
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7€38k€68k▲
Return on contributions (dividend)694€38k€68k▲
The notes to these accounts (5 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
31-12
Financial
Highest result since 2018net €58k ▲103%
Operating result €74k, net result €58k, both a record.
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150kEq €168k ▲41.4%
6 profitable years in a row build equity to €168k.
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity triplescurrent ratio 42.51
Current ratio from 15.55 to 42.51; short-term debt falls from €6k to €3k.
31-12
Financial
Equity above €100kEq €118k ▲31.7%
5 profitable years in a row build equity to €118k.
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity quadruplescurrent ratio 15.55
Current ratio from 3.97 to 15.55; short-term debt falls from €21k to €6k.
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
14-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2023
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
19-12-2023
Resigned as Managing director
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 2018
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.
Sint-Lucaslaan 292180 AntwerpenGround area
886 m²
Building footprint
150 m²
Volume, LiDAR
969 m³
Parcel 11363E0142/00B009, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FIRMITAS
since 20182.278.291.062
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11363E0142/00B009 | Flanders | 886 m² | 1 · 150 m² | 9.2 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 24,640 companies in sector 64210 we hold annual accounts for 19,693. 13,169 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-07-2018
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.