MANU - FACT
ActiveMANU - FACT has been active since 1975 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €475k and a net result of €27k. Equity is growing by ~3% per year across the filed fiscal years. Its solvency ranks better than 95% of 2267 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▲+42
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 10.47 against 4.99 in 2024; short-term debt: 1.7% and cash: 9.5% of total assets), and 1.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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
98.3%
Return on assets
5.6%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 23-01-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
1 d early
2023
13 d early
2022
7 d early
2021
6 d early
2020
13 d early
2019
10 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€475k▲ 6.1%
2024 · €447k
2019: €379k
2020: €409k
2021: €449k
2022: €490k
2023: €469k
2024: €447k
2019 → 2025
Total assets
€483k▲ 6.1%
2024 · €455k
2019: €436k
2020: €469k
2021: €508k
2022: €527k
2023: €482k
2024: €455k
2019 → 2025
Net result
€27k
2024 · €-6k
2019: €42k
2020: €30k
2021: €40k
2022: €42k
2023: €-22k
2024: €-6k
2019 → 2025
Working capital
€80k▲ 153%
2024 · €32k
2019: €-2k
2020: €13k
2021: €61k
2022: €69k
2023: €42k
2024: €32k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€449k-€490k▲ 9.2%€469k▼ 4.5%€447k▼ 4.5%€475k▲ 6.1%
Operating result€57k-€51k▼ 10.1%€-23k€-6k▲ 74.5%€27k
Net result€40k-€42k▲ 4.3%€-22k€-6k▲ 72.8%€27k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €27k after a loss of €6k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €483k
Fixed assets
€395k▼ 5.1%
Current assets
€88k▲ 124%
Equity and liabilities €483k
Equity
€475k▲ 6.1%
Debt
€8k▲ 6.7%
The debt ratio stays at 1.7%.
Key figures and ratios
EBITDA
€48k▲
2024 · €16k
Cash flow
€48k▲
2024 · €16k
Solvency
98.3%=
2024 · 98.3%
Current ratio
10.47▲
2024 · 4.99
Quick ratio
9.69▲
2024 · 4.16
Debt / equity
0.02▲
2024 · 0.02
ROE
5.7%▲
2024 · -1.3%
ROA
5.6%▲
2024 · -1.3%
Interest coverage
261.25
Debt
€8k▲
2024 · €8k
Debt ≤ 1 year
€8k▲
2024 · €8k
Income taxes
€289
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€455k€483k▲
Fixed assets21/28€416k€395k▼
Tangible fixed assets22/27€416k€395k▼
Land and buildings22€381k€366k▼
Plant, machinery and equipment23€32k€27k▼
Furniture and vehicles24€3k€2k▼
Financial fixed assets28€76€76=
Current assets29/58€39k€88k▲
Stocks and contracts in progress3€7k€7k=
Stocks30/36€7k€7k=
Amounts receivable within one year40/41€11k€35k▲
Trade receivables40€11k€5k▼
Other amounts receivable41-€29k
Cash at bank and in hand54/58€21k€46k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€455k€483k▲
Equity10/15€447k€475k▲
Contributions10/11€304k€304k=
Reserves13€171k€171k=
Non-distributable reserves130/1€9k€9k=
Reserves not available under the articles1311€9k€9k=
Distributable reserves133€163k€163k=
Profit (loss) carried forward14€-28k€-609▲
Amounts payable17/49€8k€8k▲
Amounts payable within one year42/48€8k€8k▲
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€327€5k▲
Taxes450/3€327€5k▲
Other amounts payable47/48€6k€14▼
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61-€23k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€21k▼
Other operating charges640/8€4k€4k▲
Gross operating margin9900€20k€52k▲
Operating profit (loss)9901€-6k€27k▲
Financial income75/76B€36€1k▲
Recurring financial income75€36€713▲
Non-recurring financial income76B-€347
Financial charges65/66B-€183
Recurring financial charges65-€183
Profit (loss) for the period before taxes9903€-6k€27k▲
Income taxes67/77-€289
Profit (loss) for the period9904€-6k€27k▲
Profit (loss) for the period to be appropriated9905€-6k€27k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-28k€-609▲
Profit (loss) brought forward from the previous period14P€-22k€-28k▼
Transfer from equity791/2€15k-
Profit to be distributed694/7€15k-
Return on contributions (dividend)694€15k-
The notes to these accounts (6 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
23-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Back to profitnet €27k
Net result €27k after 2 loss-making years.
30-06
Financial
Liquidity doublescurrent ratio 10.47
Current ratio from 4.99 to 10.47.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
18-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Weakest financial yearnet €-22k ▼153%
Net result drops to €-22k, the lowest in the series; recovery starts the following year.
24-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Liquidity triplescurrent ratio 40.01
Current ratio from 11.48 to 40.01; short-term debt falls from €6k to €2k.
25-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Liquidity quadruplescurrent ratio 11.48
Current ratio from 2.89 to 11.48; short-term debt falls from €7k to €6k.
18-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Liquidity triplescurrent ratio 2.89
Current ratio from 0.92 to 2.89; short-term debt falls from €23k to €7k.
21-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
17-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
23-01
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
1 act for this company is 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, Bornem · 1 establishment unit since 2001
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.
Klein-Mechelen(BOR) 812880 BornemGround area
1.6 ha
Building footprint
540 m²
Volume, LiDAR
10,657 m³
2 parcels, Flanders · tallest building 31.2 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
Jagersstraat 25, 2140 Antwerpen
since 20012.011.301.235
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11006A0260/00C004 | Flanders | 1.0 ha | 1 · 369 m² | 31.2 m · 8 fl. |
| 12015D0518/00T000 | Flanders | 5,192 m² | 1 · 171 m² | 8.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
2025 · 1 entry · 80 EUR awarded · 80 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 80 EUR | 80 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 4,575 companies in sector 82300 we hold annual accounts for 1,669. 989 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-07-1975
Fiscal year end30-06
Activities, NACEBEL
74872
82300Organisation of conventions and trade shows
41001General construction of residential buildings
43350Other building finishing work
45211
71111Activities of building architects
71121Engineering and related technical consultancy, excluding land surveyors
74201Photography, excluding press photography
74203
Sources
Crossroads Bank for EnterprisesNational Bank · 48 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.