Le Figuier
ActiveLe Figuier has been active since 1977 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €72k and a net result of €2k. Equity is growing by ~37.5% per year across the filed fiscal years. Its solvency ranks better than 43% of 529 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability67▼-33
Solvency62▲+2
Growth85▲+7
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.62 against 1.09 in 2024; short-term debt: 21.9% and cash: 33.6% of total assets), but 63.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 87
Relative position
BE, all sectors
reference
Sector 87
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
36.6%
Return on assets
1.2%
Age of the figures
9 mo
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 09-06-2026, 52 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
52 d early
2024
34 d early
2023
71 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€95k▲ 266%
2023 · €26k
2023: €26k
2023 → 2025
EBIT margin
4.3%▲ 197.8pp
2023 · -193.5%
2023: -193.5%
2023 → 2025
Net result
€2k▼ 95.1%
2024 · €50k
2023: €-36k
2024: €50k
2023 → 2025
Working capital
€70k▲ 705%
2024 · €9k
2023: €15k
2024: €9k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Turnover€26k-€95k
Equity€20k-€70k▲ 252%€72k▲ 3.5%
Operating result€-50k-€51k€4k▼ 92.0%
Net result€-36k-€50k€2k▼ 95.1%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 92% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €197k
Fixed assets
€83k▼ 6.5%
Current assets
€113k▲ 2.8%
Equity and liabilities €197k
Equity
€72k▲ 3.5%
Provisions
€71k▲ 238%
Debt
€54k▼ 50.7%
The debt ratio falls from 54.6% to 27.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€10k▼
2024 · €58k
Cash flow
€8k▼
2024 · €57k
Solvency
36.6%▲
2024 · 34.9%
Current ratio
2.62▲
2024 · 1.09
Quick ratio
2.62▲
2024 · 1.09
Debt / equity
0.75▼
2024 · 1.56
ROE
3.4%▼
2024 · 71.6%
ROA
1.2%▼
2024 · 25.0%
Interest coverage
6.04▼
2024 · 72.34
Debt
€54k▼
2024 · €109k
Debt ≤ 1 year
€43k▼
2024 · €102k
Debt > 1 year
€2k▼
2024 · €6k
Staff costs
€347k▲
2024 · €344k
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€199k€197k▼
Fixed assets21/28€89k€83k▼
Tangible fixed assets22/27€89k€83k▼
Land and buildings22€88k€83k▼
Plant, machinery and equipment23€272€217▼
Furniture and vehicles24€1k-
Financial fixed assets28€71€71=
Current assets29/58€110k€113k▲
Amounts receivable within one year40/41€57k€37k▼
Trade receivables40€10k€11k▲
Other amounts receivable41€47k€26k▼
Current investments50/53€329€10k▲
Cash at bank and in hand54/58€53k€66k▲
Equity and liabilities
Total equity and liabilities10/49€199k€197k▼
Equity10/15€70k€72k▲
Profit (loss) carried forward14€70k€72k▲
Provisions and deferred taxes16€21k€71k▲
Provisions for liabilities and charges160/5€21k€71k▲
Pensions and similar obligations160€21k€21k=
Major repairs and maintenance162-€50k
Amounts payable17/49€109k€54k▼
Amounts payable after more than one year17€6k€2k▼
Other amounts payable178/9€6k€2k▼
Amounts payable within one year42/48€102k€43k▼
Trade debts44€2k-
Suppliers440/4€2k-
Taxes, remuneration and social security45€57k€43k▼
Taxes450/3€7k€4k▼
Remuneration and social security454/9€50k€39k▼
Accrued charges and deferred income492/3€2k€8k▲
Income statement
Code20242025
Turnover70-€95k
Goods, raw materials, services and sundry goods60/61€18k€30k▲
Remuneration, social security and pensions62€344k€347k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€6k▼
Other operating charges640/8€4k€410▼
Gross operating margin9900€407k€408k▲
Operating profit (loss)9901€51k€4k▼
Financial income75/76B€131€18▼
Recurring financial income75€131€18▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€808€2k▲
Non-recurring financial charges66B€939€34▼
Profit (loss) for the period before taxes9903€50k€2k▼
Profit (loss) for the period9904€50k€2k▼
Profit (loss) for the period to be appropriated9905€50k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€70k€72k▲
Profit (loss) brought forward from the previous period14P€20k€70k▲
Social balance
Average headcount (FTE)90875.05.0=
The notes to these accounts (10 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
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Liquidity doublescurrent ratio 2.62
Current ratio from 1.09 to 2.62; short-term debt falls from €102k to €43k.
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Back to profitnet €50k
Net result €50k after one loss-making year.
21-05
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
Financial milestoneNBB 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, Charleroi · 1 establishment unit since 2008
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.
Rue Aurélien Thibaut 126001 CharleroiGround area
83 m²
Building footprint
82 m²
Volume, LiDAR
786 m³
Parcel 52045A0468/00A005, Wallonia · tallest building 12.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Le Figuier
since 20082.195.628.157
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52045A0468/00A005 | Wallonia | 83 m² | 1 · 82 m² | 12.6 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
PIERRE D'ANGLE - HOEKSTEEN
BE 0434.138.346
Brussel · Eq €74k
Espoir
BE 0424.206.635
Mons · Eq €86k
LE TREMPLIN
BE 0473.894.983
Arlon · Eq €60k
Les Frangines
BE 0460.339.036
Fleurus · Eq €56k
REsidence La ForEt
BE 0451.026.541
Sint-Pieters-Woluwe · Eq €110k
Of 142 companies in sector 87992 we hold annual accounts for 89. 43 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded10-10-1977
Fiscal year end31-12
Activities, NACEBEL
85316
87992Residential care activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.