FORTIOR
ActiveFORTIOR 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 €6.26M and a net result of €481k. Equity is growing by ~11.6% per year across the filed fiscal years. Its solvency ranks better than 51% of 5495 sector peers (fiscal year 2025). The company has been active since 2002 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 · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 07-05-2026, 7 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
7 d late
2024
30 d early
2023
6 d early
2022
10 d early
2021
4 d early
2020
16 d early
2019
6 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
14-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€6.26M▼ 20.6%
2024 · €7.89M
2018: €777k
2019: €4.27M
2020: €5.63M
2021: €6.08M
2022: €6.47M
2023: €7.57M
2024: €7.89M
2018 → 2025
Net result
€481k▲ 49.8%
2024 · €321k
2018: €21k
2019: €3.49M
2020: €1.36M
2021: €450k
2022: €394k
2023: €1.09M
2024: €321k
2018 → 2025
Total assets
€11.78M▲ 1.2%
2024 · €11.64M
2018: €2.79M
2019: €4.99M
2020: €7.23M
2021: €7.44M
2022: €7.65M
2023: €8.54M
2024: €11.64M
2018 → 2025
Solvency
53.1%▼ 14.6pp
2024 · 67.7%
2018: 27.9%
2019: 85.6%
2020: 77.8%
2021: 81.7%
2022: 84.7%
2023: 88.6%
2024: 67.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€6.08M-€6.47M▲ 6.5%€7.57M▲ 16.9%€7.89M▲ 4.2%€6.26M▼ 20.6%
Operating result€549k-€483k▼ 12.0%€604k▲ 24.9%€404k▼ 33.0%€253k▼ 37.5%
Net result€450k-€394k▼ 12.4%€1.09M▲ 177%€321k▼ 70.6%€481k▲ 49.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 38% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €11.78M
Fixed assets
€6.39M▼ 1.4%
Current assets
€5.39M▲ 4.5%
Equity and liabilities €11.78M
Equity
€6.26M▼ 20.6%
Debt
€5.52M▲ 47.0%
The debt ratio rises from 32.3% to 46.9%: debt grows while equity shrinks.
Key figures and ratios
Solvency
53.1%▼
2024 · 67.7%
ROE
7.7%▲
2024 · 4.1%
ROA
4.1%▲
2024 · 2.8%
Debt
€5.52M▲
2024 · €3.76M
Debt ≤ 1 year
€3.49M▲
2024 · €1.39M
Debt > 1 year
€1.88M▼
2024 · €2.33M
Income taxes
€163k▲
2024 · €149k
Staff costs
€55k▲
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€11.64M€11.78M▲
Fixed assets21/28€6.48M€6.39M▼
Tangible fixed assets22/27€105k€100k▼
Land and buildings22€72k€72k=
Furniture and vehicles24€33k€28k▼
Financial fixed assets28€6.38M€6.29M▼
Current assets29/58€5.16M€5.39M▲
Amounts receivable within one year40/41€1.03M€3.28M▲
Other amounts receivable41€1.03M€3.28M▲
Current investments50/53€2.79M€1.82M▼
Cash at bank and in hand54/58€370k€191k▼
Deferred charges and accrued income490/1€965k€100k▼
Equity and liabilities
Total equity and liabilities10/49€11.64M€11.78M▲
Equity10/15€7.89M€6.26M▼
Contributions10/11€745k€745k=
Capital10€745k€745k=
Issued capital100€745k€745k=
Reserves13€7.14M€5.52M▼
Non-distributable reserves130/1€75k€30k▼
Legal reserve130€75k€30k▼
Distributable reserves133€7.07M€5.49M▼
Profit (loss) carried forward14€1k€1k=
Amounts payable17/49€3.76M€5.52M▲
Amounts payable after more than one year17€2.33M€1.88M▼
Financial debts170/4€2.33M€1.88M▼
Amounts payable within one year42/48€1.39M€3.49M▲
Current portion of amounts payable after more than one year42€399k€438k▲
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€2k€8k▲
Suppliers440/4€2k€8k▲
Taxes, remuneration and social security45€39k€50k▲
Taxes450/3€39k€41k▲
Remuneration and social security454/9-€9k
Other amounts payable47/48€946k€3.00M▲
Accrued charges and deferred income492/3€35k€146k▲
Income statement
Code20242025
Remuneration, social security and pensions62€9k€55k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€5k▼
Other operating charges640/8€2k€10k▲
Non-recurring operating charges66A€5k€0▼
Gross operating margin9900€435k€323k▼
Operating profit (loss)9901€404k€253k▼
Financial income75/76B€204k€729k▲
Recurring financial income75€204k€729k▲
Financial charges65/66B€138k€337k▲
Recurring financial charges65€138k€337k▲
Profit (loss) for the period before taxes9903€470k€644k▲
Income taxes67/77€149k€163k▲
Profit (loss) for the period9904€321k€481k▲
Profit (loss) for the period to be appropriated9905€321k€481k▲
Appropriation of the result
Profit (loss) to be appropriated9906€323k€483k▲
Profit (loss) brought forward from the previous period14P€1k€1k=
Transfer from equity791/2-€2.11M
Transfer to equity691/2€321k€481k▲
To other reserves6921€321k€481k▲
Profit to be distributed694/7-€2.11M
Return on contributions (dividend)694-€2.11M
Social balance
Average headcount (FTE)90870.20.6▲
The notes to these accounts (17 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
07-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 7 days late
2025
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
24-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
20-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
26-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
14-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial
Equity above €5MEq €5.63M ▲31.8%
3 profitable years in a row build equity to €5.63M.
24-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-09
Financial
Highest result since 2018net €3.49M ▲16261%
Net result €3.49M, the highest in the series.
30-09
Financial
Liquidity times 25current ratio 3.94
Current ratio from 0.15 to 3.94; short-term debt falls from €1.92M to €632k.
30-09
Financial
Equity above €2MEq €4.27M ▲450%
2 profitable years in a row build equity to €4.27M.
18-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
26-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-03
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
7 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, Wichelen · 1 establishment unit since 2002
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.
Hulst 419260 WichelenGround area
658 m²
Building footprint
272 m²
Volume, LiDAR
1,634 m³
Parcel 42026B0729/00G000, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Hulst 41, 9260 Wichelen
since 20022.096.144.165
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42026B0729/00G000 | Flanders | 658 m² | 1 · 272 m² | 10.6 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.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 2,340 EUR awarded · 2,340 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 682 EUR | 682 EUR |
| 2024 | 1 | 1,658 EUR | 1,658 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Individueel Maatwerk
Recognitions · licences · registrations
Legal Entity Identifier
875500FCVK5OK46K2A51
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Of 24,640 companies in sector 64210 we hold annual accounts for 19,693. 7,422 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded04-04-2002
Fiscal year end30-09
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.