Summary
IDEE FACTO 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 €382k and a net result of €93k. Equity is growing by ~13.8% per year across the filed fiscal years. Its solvency ranks better than 85% of 8023 sector peers (fiscal year 2025). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 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
3 d late
2024
2 d early
2023
22 d early
2022
10 d early
2021
5 d early
2020
21 d late
2019
3 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€382k▲ 5.7%
2024 · €361k
2018: €160k
2019: €207k
2020: €214k
2021: €201k
2022: €255k
2023: €326k
2024: €361k
2018 → 2025
Net result
€93k▲ 13.6%
2024 · €82k
2018: €44k
2019: €71k
2020: €8k
2021: €15k
2022: €75k
2023: €101k
2024: €82k
2018 → 2025
Total assets
€436k▲ 6.2%
2024 · €411k
2018: €170k
2019: €221k
2020: €226k
2021: €210k
2022: €282k
2023: €378k
2024: €411k
2018 → 2025
Solvency
87.5%▼ 0.4pp
2024 · 87.9%
2018: 94.2%
2019: 93.4%
2020: 94.7%
2021: 95.6%
2022: 90.6%
2023: 86.2%
2024: 87.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€201k-€255k▲ 27.3%€326k▲ 27.5%€361k▲ 10.9%€382k▲ 5.7%
Operating result€20k-€104k▲ 422%€144k▲ 38.6%€115k▼ 19.9%€132k▲ 14.7%
Net result€15k-€75k▲ 399%€101k▲ 35.3%€82k▼ 18.9%€93k▲ 13.6%
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 15% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €436k
Fixed assets
€38k ▼ 25.2%
Current assets
€398k ▲ 10.7%
Equity and liabilities €436k
Equity
€382k ▲ 5.7%
Debt
€55k ▲ 9.9%
Debt's share of the balance-sheet total rises from 12.1% to 12.5%. Equity and debt are higher.
Key figures and ratios
ROE
24.4%▲
2024 · 22.7%
ROA
21.3%▲
2024 · 19.9%
Debt ≤ 1 year
€43k▲
2024 · €35k
Debt > 1 year
€10k▼
2024 · €15k
Income taxes
€38k▲
2024 · €32k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€411k€436k▲
Fixed assets21/28€51k€38k▼
Tangible fixed assets22/27€51k€38k▼
Furniture and vehicles24€51k€38k▼
Current assets29/58€360k€398k▲
Amounts receivable after more than one year29€23k€23k=
Other amounts receivable291€23k€23k=
Amounts receivable within one year40/41€6k€10k▲
Trade receivables40-€744
Other amounts receivable41€6k€9k▲
Current investments50/53€157k€188k▲
Cash at bank and in hand54/58€175k€175k=
Deferred charges and accrued income490/1€323€3k▲
Equity and liabilities
Total equity and liabilities10/49€411k€436k▲
Equity10/15€361k€382k▲
Contributions10/11€12k€12k=
Reserves13€349k€369k▲
Distributable reserves133€349k€369k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€50k€55k▲
Amounts payable after more than one year17€15k€10k▼
Financial debts170/4€15k€10k▼
Amounts payable within one year42/48€35k€43k▲
Current portion of amounts payable after more than one year42€4k€5k▲
Financial debts43€10k€12k▲
Credit institutions430/8€10k€12k▲
Trade debts44€3k€7k▲
Suppliers440/4€3k€7k▲
Taxes, remuneration and social security45€4k€4k▼
Taxes450/3€2k€1k▼
Remuneration and social security454/9€3k€3k=
Other amounts payable47/48€13k€16k▲
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Non-recurring operating income76A€3k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k=
Other operating charges640/8€1k€824▼
Gross operating margin9900€129k€146k▲
Operating profit (loss)9901€115k€132k▲
Financial income75/76B€294€2k▲
Recurring financial income75€294€2k▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€113k€131k▲
Income taxes67/77€32k€38k▲
Profit (loss) for the period9904€82k€93k▲
Profit (loss) for the period to be appropriated9905€82k€93k▲
Appropriation of the result
Profit (loss) to be appropriated9906€82k€93k▲
Transfer from equity791/2€44k€71k▲
Transfer to equity691/2€80k€91k▲
To other reserves6921€80k€91k▲
Profit to be distributed694/7€46k€72k▲
Return on contributions (dividend)694€46k€72k▲
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
10-08
State Gazette act
General meeting · Director resignation
Director discharge · Director appointment
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €101k ▲35.3%
Operating result €144k, net result €101k, both a record.
21-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
21-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 21 days late
2020
31-12
Financial
Weakest financial yearnet €8k ▼89.1%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €200kEq €207k ▲28.7%
2 profitable years in a row build equity to €207k.
27-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Hove · 1 establishment unit since 2009
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.
Kasteelstraat 942540 HoveGround area
327 m²
Building footprint
75 m²
Volume, LiDAR
551 m³
Parcel 11021A0262/00Z000, Flanders · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Idee Facto
since 20092.178.604.657
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11021A0262/00Z000 | Flanders | 327 m² | 1 · 75 m² | 10.3 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.
Similar companies · same sector, comparable size
PP INVEST
BE 0833.910.582
Brugge · Eq €381,671
VAN MOSSEL AUTOMOTIVE GROEP 6
BE 0770.675.193
Antwerpen · Eq €381,638
ARCUM LAW
BE 0721.896.566
Antwerpen · Eq €381,517
WILMA VL
BE 0897.822.892
Geel · Eq €381,362
BRUNFAUT & GABRIEL
BE 0474.919.126
Ieper · Eq €381,362
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,773 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-06-2009
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.