F & K
ActiveF & K has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €33k and a net result of €6k. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 89% of 36377 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
93
/ 100
Excellent▲ +23 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability87▲+87
Solvency100=
Growth52▲+20
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 6.0 against 7.71 in 2023), and 16.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
83.3%
Return on assets
14.4%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 06-08-2025, 6 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
6 d late
2023
2 d early
2022
89 d late
2021
61 d late
2020
30 d late
2019
91 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€33k▲ 21.0%
2023 · €27k
2018: €28k
2019: €35k
2020: €42k
2021: €55k
2022: €34k
2023: €27k
2018 → 2024
Total assets
€39k▲ 26.3%
2023 · €31k
2018: €37k
2019: €56k
2020: €62k
2021: €71k
2022: €49k
2023: €31k
2018 → 2024
Net result
€6k
2023 · €-7k
2018: €21k
2019: €7k
2020: €17k
2021: €13k
2022: €-20k
2023: €-7k
2018 → 2024
Working capital
€33k▲ 21.0%
2023 · €27k
2018: €28k
2019: €35k
2020: €42k
2021: €55k
2022: €34k
2023: €27k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€42k-€55k▲ 31.9%€34k▼ 37.2%€27k▼ 21.7%€33k▲ 21.0%
Operating result€21k-€21k▼ 0.2%€-19k€-4k▲ 81.2%€8k
Net result€17k-€13k▼ 21.1%€-20k€-7k▲ 63.3%€6k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €8k after a loss of €4k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €39k
Equity
€33k▲ 21.0%
Debt
€7k▲ 62.3%
The debt ratio rises from 13.0% to 16.7%: debt grows faster than equity.
Key figures and ratios
Solvency
83.3%▼
2023 · 87.0%
Current ratio
6.00▼
2023 · 7.71
Quick ratio
6.00▼
2023 · 7.71
Debt / equity
0.20▲
2023 · 0.15
ROE
17.3%▲
2023 · -27.8%
ROA
14.4%▲
2023 · -24.2%
Debt
€7k▲
2023 · €4k
Debt ≤ 1 year
€7k▲
2023 · €4k
Income taxes
€738▲
2023 · €166
Staff costs
€2k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€31k€39k▲
Current assets29/58€31k€39k▲
Amounts receivable within one year40/41€31k€37k▲
Trade receivables40€11k€13k▲
Other amounts receivable41€19k€23k▲
Cash at bank and in hand54/58€352€2k▲
Equity and liabilities
Total equity and liabilities10/49€31k€39k▲
Equity10/15€27k€33k▲
Contributions10/11€6k€6k=
Reserves13€15k€21k▲
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€13k€21k▲
Profit (loss) carried forward14€6k€6k=
Amounts payable17/49€4k€7k▲
Amounts payable within one year42/48€4k€7k▲
Trade debts44€3k€6k▲
Suppliers440/4€3k€6k▲
Advances received on contracts in progress46€411-
Taxes, remuneration and social security45€320€904▲
Taxes450/3€320€904▲
Income statement
Code20232024
Remuneration, social security and pensions62-€2k
Other operating charges640/8€2k€3k▲
Gross operating margin9900€-2k€13k▲
Operating profit (loss)9901€-4k€8k▲
Financial income75/76B€10-
Recurring financial income75€10-
Financial charges65/66B€4k€2k▼
Recurring financial charges65€4k€2k▼
Profit (loss) for the period before taxes9903€-7k€6k▲
Income taxes67/77€166€738▲
Profit (loss) for the period9904€-7k€6k▲
Profit (loss) for the period to be appropriated9905€-7k€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€6k€11k▲
Profit (loss) brought forward from the previous period14P€13k€6k▼
Transfer to equity691/2-€6k
To other reserves6921-€6k
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
2025
06-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 6 days late
2024
31-12
Financial
Back to profitnet €6k
Net result €6k after 2 loss-making years.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 7.71
Current ratio from 3.39 to 7.71; short-term debt falls from €14k to €4k.
28-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 89 days late
2022
31-12
Financial
Weakest financial yearnet €-20k ▼254%
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
2015
26-08
NBB filing
Annual accounts filed
fiscal year 2014 · abbreviated schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Bonheiden · 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.
Plaslei 82820 BonheidenGround area
1,616 m²
Building footprint
264 m²
Volume, LiDAR
1,197 m³
Parcel 12031B0448/00B000, Flanders · tallest building 7.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
F & K
since 20092.177.800.646
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12031B0448/00B000 | Flanders | 1,616 m² | 1 · 264 m² | 7.3 m · 1 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.
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MBOIS-DESIGN
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LABO châssis
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Of 19,947 companies in sector 43320 we hold annual accounts for 9,084. 6,865 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-03-2009
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
43240Other construction installation
43299Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 15 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.