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Generated 11-08-2026
Active BE 0676.618.649Private limited company

Fulcrum

Hallebaan 109 ·2390 Malle, Belgium· 9 yrs active
Sector: Financial services (64210)
Conclusion Checked

Fulcrum is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.

Based on State Gazette and CBE data.
Key figures
Active 9 yrs
Board 2
Locations 1
Publications 2
Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
More than 3 years active
Founded in 2017, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags 0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Financial overview8 NBB filings
Financials being processed
NBB has 8 filing(s) on record for this company, latest fiscal year 2024 (verkort). The annual accounts are being processed.
Filings on record
Fiscal year Type Filed Reference
31-12-2024 verkort 31-07-2025 2025-00349806
31-12-2023 verkort 30-08-2024 2024-00415992
31-12-2022 verkort 06-10-2023 2023-00481030
31-12-2021 verkort 29-08-2022 2022-20337213
31-12-2020 verkort 29-07-2021 2021-42400061
31-12-2019 verkort 31-08-2020 2020-48000289
31-12-2018 micro 30-08-2019 2019-61300199
31-12-2017 micro 18-06-2018 2018-19700401
Directors & mandates 3 directors
Current directors & mandates
  • Steenvoorden, Joannes Maria
    Director
    State Gazette act 23474893 (27-12-2023)
    Current
    27-12-2023 → present
  • UMBRELLA HOLDING BVLegal entity
    Director· perm. rep.: Steenvoorden Delano
    State Gazette act 24171384 (04-12-2024)
    Current
    27-12-2023 → present
    2 events
    • 04-12-2024 Appointed· Director
    • 27-12-2023 Appointed· Director
Former directors (1)
  • Delano Joannes Mathijs Theodorus Steenvoorden
    Director
    State Gazette act 24171384 (04-12-2024)
    Former
    - → 02-05-2018
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary Financial services(64210)
Legal form Private limited company(610)
Incorporation07-06-2017
StatusActive
Postal code2390
Establishment units 1 location
Fulcrum
Hallebaan 109, 2390 MalleHoldings
since 20172.265.240.505
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11049B0314/00M000 Flanders 1,364 m² 1 · 141 m² 11.7 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 10 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
31-07-2025
NBB filing Annual accounts filed
fiscal year 2024 · verkort
2024
04-12-2024
State Gazette act Director changes
17313371 · Eric Laenens · correction
30-08-2024
NBB filing Annual accounts filed
fiscal year 2023 · verkort
2023
27-12-2023
State Gazette act Director changes
Eric Laenens
06-10-2023
NBB filing Annual accounts filed
fiscal year 2022 · verkort
2022
29-08-2022
NBB filing Annual accounts filed
fiscal year 2021 · verkort
2021
29-07-2021
NBB filing Annual accounts filed
fiscal year 2020 · verkort
2020
31-08-2020
NBB filing Annual accounts filed
fiscal year 2019 · verkort
2019
30-08-2019
NBB filing Annual accounts filed
fiscal year 2018 · micro
2018
18-06-2018
NBB filing Annual accounts filed
fiscal year 2017 · micro
Belgisch Staatsblad, acts 2 acts
All acts · 2 updated 1 year ago
2024
04-12-2024 1 director appointed, 1 resigning Director changes·Eric Laenenscorrection
  • Steenvoorden, Joannes Maria, Bestuurder
  • Delano Joannes Mathijs Theodorus Steenvoorden, Bestuurder
Summary: 17313371Notary: Eric Laenens · Zoersel
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Delano Joannes Mathijs Theodorus Steenvoorden",
        "address": null,
        "birth_date": null,
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      },
      "reason": "de_plein_droit_dissolution",
      "subkind": "rectification",
      "via_org": null,
      "statutory": "niet_statutair",
      "compensated": null,
      "effective_date": "2018-05-02",
      "evidence_quote": "Hij had immers reeds ontslag genomen als bestuurder ingevolge bijzondere algemene vergadering van 2 mei 2018, bekendgemaakt in de bijlagen bij het Belgisch Staatsblad van 5 juli daarna onder nummer 18104437 en diende niet herbenoemd te worden.",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "retroactive"
    },
    {
      "kind": "director_in",
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      "person": {
        "rrn": null,
        "name": "Steenvoorden, Joannes Maria",
        "address": "2390 Malle, Hallebaan 109",
        "birth_date": "1960-11-24",
        "profession": null,
        "birth_place": "Mijdrecht"
      },
      "reason": null,
      "subkind": "rectification",
      "via_org": {
        "kbo": "0675.731.890",
        "name": "UMBRELLA HOLDING BV",
        "address": "4803 EX Breda (Nederland), Postbus 4943",
        "country": "NL",
        "legal_form": "BV"
      },
      "statutory": "niet_statutair",
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "De huidige bestuurders, (her)benoemd ingevolge voormelde algemene vergadering van 19 december 2023 zijn derhalve: - \u0022UMBRELLA HOLDING BV\u0022 Besloten Vennootschap naar Nederlands recht, opgericht op 16 februari 2017, ingeschreven in het Handelsregister van de Kamer van Koophandel onder nummer 68097875.",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "indefinite",
        "value": null
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": "Eric Laenens",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Zoersel",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2024-12-04",
    "filing_date": "2024-11-22",
    "act_kind_objet": "rechtzetting"
  },
  "decisions": [
    {
      "body": "buitengewone_algemene_vergadering",
      "date": "2023-12-19",
      "unanimous": null
    },
    {
      "body": "bijzondere_algemene_vergadering",
      "date": "2018-05-02",
      "unanimous": null
    },
    {
      "body": "algemene_vergadering",
      "date": "2023-12-19",
      "unanimous": null
    }
  ],
  "is_correction": true,
  "subject_company": {
    "kbo": "0676.618.649",
    "name_full": "Fulcrum",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "org",
    "org_kbo": "0675.731.890",
    "org_name": "Umbrella Holding BV",
    "person_name": null,
    "org_rep_person_name": "Delano Steenvoorden",
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "corrected_publication_numac": "17313371"
}
2023
27-12-2023 2 directors appointed Director changes·Eric Laenens
  • Steenvoorden Delano, Bestuurder
  • Steenvoorden, Joannes Maria, Bestuurder
Notary: Eric Laenens · Zoersel
Technical details 
{
  "events": [
    {
      "kind": "decharge_pending",
      "role": "zaakvoerder",
      "person": {
        "rrn": null,
        "name": "Steenvoorden Delano Joannes Mathijs Theodorus",
        "address": "4251 VS Werkendam (Nederland), Raadhuislaan 2-119",
        "birth_date": "1994-05-06",
        "profession": null,
        "birth_place": "Werkendam, NL"
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "De algemene vergadering zal op de volgende jaarvergadering beslissen over de kwijting aan de ontslagnemende zaakvoerder(s) voor de uitoefening van zijn mandaat.",
      "decharge_status": "pending_next_agm",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
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      "effective_date_qualifier": null
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    {
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      "reason": null,
      "subkind": null,
      "via_org": {
        "kbo": "0675.731.890",
        "name": "UMBRELLA HOLDING BV",
        "address": "4803 EX Breda (Nederland), Postbus 4943",
        "country": "NL",
        "legal_form": "BV"
      },
      "statutory": "niet_statutair",
      "compensated": false,
      "effective_date": null,
      "evidence_quote": "De algemene vergadering besluit de huidige zaakvoerder(s), hierna vermeld, ontslag te geven uit zijn functie en gaat onmiddellijk over tot zijn herbenoeming als niet-statutair bestuurder voor een onbepaalde duur",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "indefinite",
        "value": null
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Steenvoorden, Joannes Maria",
        "address": "2390 Malle, Hallebaan 109",
        "birth_date": "1960-11-24",
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        "birth_place": "Mijdrecht, NL"
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": "niet_statutair",
      "compensated": false,
      "effective_date": null,
      "evidence_quote": "De algemene vergadering besluit de huidige zaakvoerder(s), hierna vermeld, ontslag te geven uit zijn functie en gaat onmiddellijk over tot zijn herbenoeming als niet-statutair bestuurder voor een onbepaalde duur",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "indefinite",
        "value": null
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "decharge_pending",
      "role": "zaakvoerder",
      "person": {
        "rrn": null,
        "name": "Steenvoorden Delano Joannes Mathijs Theodorus",
        "address": "4251 VS Werkendam (Nederland), Raadhuislaan 2-119",
        "birth_date": "1994-05-06",
        "profession": null,
        "birth_place": "Werkendam, NL"
      },
      "reason": null,
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      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "De algemene vergadering zal op de volgende jaarvergadering beslissen over de kwijting aan de ontslagnemende zaakvoerder(s) voor de uitoefening van zijn mandaat.",
      "decharge_status": "pending_next_agm",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": "Eric Laenens",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Zoersel",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2023-12-27",
    "filing_date": "2023-12-21",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "buitengewone_algemene_vergadering",
      "date": "2023-12-19",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0676.618.649",
    "name_full": "Fulcrum",
    "legal_form": "BV"
  },
  "publication_proxy": {
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    "org_name": null,
    "person_name": "Eric Laenens",
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [
    "Afschrift van de akte",
    "Historiek"
  ],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Holdings64200Activiteiten van holdings64210Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Reclamebureaus73110Activiteiten van reclamebureaus73110Administratieve en ondersteunende activiteiten ten behoeve van kantoren82100Diverse administratieve activiteiten ten behoeve van kantoren82110Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
Legal nameNL Fulcrum
Registered office
Hallebaan 109
2390 Malle, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative