F&V BROKERS
ActiveF&V BROKERS has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €239k and a net result of €40k. Equity is growing by ~37.1% per year across the filed fiscal years. Its solvency ranks better than 50% of 9518 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability86▼-2
Solvency76▲+10
Growth61▲+4
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity short (current ratio 0.13 against 0.15 in 2023; short-term debt: 13.9% and cash: 1.8% of total assets), and 49.1% 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
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 · 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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
61 d late
2023
41 d late
2022
115 d late
2021
122 d late
2020
23 d late
2019
52 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€205k▲ 9.7%
2023 · €187k
2020: €219k
2021: €155k
2022: €165k
2023: €187k
2020 → 2024
EBIT margin
32.7%▼ 2.2pp
2023 · 34.9%
2020: 22.0%
2021: 38.5%
2022: 36.9%
2023: 34.9%
2020 → 2024
Net result
€40k▼ 20.6%
2023 · €51k
2018: €11k
2019: €27k
2020: €32k
2021: €39k
2022: €39k
2023: €51k
2018 → 2024
Working capital
€-57k▲ 21.1%
2023 · €-72k
2018: €-38k
2019: €-49k
2020: €-55k
2021: €-58k
2022: €-55k
2023: €-72k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€219k-€155k▼ 29.4%€165k▲ 6.5%€187k▲ 13.4%€205k▲ 9.7%
Equity€70k-€106k▲ 51.6%€148k▲ 40.1%€199k▲ 34.5%€239k▲ 20.3%
Operating result€48k-€59k▲ 23.6%€61k▲ 2.1%€65k▲ 7.1%€67k▲ 2.7%
Net result€32k-€39k▲ 20.5%€39k▲ 1.1%€51k▲ 29.7%€40k▼ 20.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2024 is 3% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €471k
Fixed assets
€462k▼ 3.5%
Current assets
€8k▼ 32.6%
Equity and liabilities €471k
Equity
€239k▲ 20.3%
Debt
€231k▼ 20.9%
The debt ratio falls from 59.5% to 49.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€83k▲
2023 · €69k
Cash flow
€57k▲
2023 · €55k
Solvency
50.9%▲
2023 · 40.5%
Current ratio
0.13▼
2023 · 0.15
Quick ratio
0.13▼
2023 · 0.15
Debt / equity
0.97▼
2023 · 1.47
ROE
16.9%▼
2023 · 25.6%
ROA
8.6%▼
2023 · 10.4%
Interest coverage
13.62▼
2023 · 13.68
Debt
€231k▼
2023 · €292k
Debt ≤ 1 year
€65k▼
2023 · €85k
Debt > 1 year
€166k▼
2023 · €208k
Income taxes
€20k▲
2023 · €9k
Staff costs
€21k▲
2023 · €18k
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€491k€471k▼
Fixed assets21/28€479k€462k▼
Tangible fixed assets22/27€79k€62k▼
Furniture and vehicles24€79k€62k▼
Financial fixed assets28€400k€400k=
Current assets29/58€12k€8k▼
Cash at bank and in hand54/58€12k€8k▼
Equity and liabilities
Total equity and liabilities10/49€491k€471k▼
Equity10/15€199k€239k▲
Contributions10/11€6k€6k=
Reserves13€82k€102k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€80k€100k▲
Profit (loss) carried forward14€111k€131k▲
Amounts payable17/49€292k€231k▼
Amounts payable after more than one year17€208k€166k▼
Financial debts170/4€208k€166k▼
Amounts payable within one year42/48€85k€65k▼
Current portion of amounts payable after more than one year42€52k€41k▼
Trade debts44€11k€6k▼
Suppliers440/4€11k€6k▼
Taxes, remuneration and social security45€17k€8k▼
Taxes450/3€17k€8k▼
Other amounts payable47/48€5k€10k▲
Income statement
Code20232024
Turnover70€187k€205k▲
Goods, raw materials, services and sundry goods60/61€93k€100k▲
Remuneration, social security and pensions62€18k€21k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€17k▲
Other operating charges640/8€6k€995▼
Gross operating margin9900€93k€105k▲
Operating profit (loss)9901€65k€67k▲
Financial charges65/66B€5k€6k▲
Recurring financial charges65€5k€6k▲
Profit (loss) for the period before taxes9903€60k€61k▲
Income taxes67/77€9k€20k▲
Profit (loss) for the period9904€51k€40k▼
Profit (loss) for the period to be appropriated9905€51k€40k▼
Appropriation of the result
Profit (loss) to be appropriated9906€131k€151k▲
Profit (loss) brought forward from the previous period14P€80k€111k▲
Transfer to equity691/2€20k€20k=
To other reserves6921€20k€20k=
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Equity above €200kEq €239k ▲20.3%
7 profitable years in a row build equity to €239k.
10-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 41 days late
2023
31-12
Financial
Highest result since 2018net €51k ▲29.7%
Net result €51k, the highest in the series.
31-12
Financial
Equity above €150kEq €199k ▲34.5%
6 profitable years in a row build equity to €199k.
23-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 115 days late
2022
30-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 122 days late
2021
31-12
Financial
Equity above €100kEq €106k ▲51.6%
4 profitable years in a row build equity to €106k.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
21-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 52 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
28-12
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 150 days late
28-12
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 515 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Ukkel · 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.
Roetaertstraat 1251180 UkkelGround area
175 m²
Building footprint
70 m²
Volume, LiDAR
676 m³
Parcel 21616G0035/00D003, Brussels · tallest building 12.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Roetaertstraat 125, 1180 Ukkel
since 20092.181.651.348
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21616G0035/00D003 | Brussels | 175 m² | 1 · 70 m² | 12.1 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.
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Of 11,219 companies in sector 82100 we hold annual accounts for 3,512. 2,378 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-10-2009
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
82100Office administrative and support services
82110Office administrative, office support and other business support activities
46869Wholesale trade
53100Postal and courier activities
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
96022Beauty treatment
96220Beauty care and other beauty treatments
Sources
Crossroads Bank for EnterprisesNational Bank · 14 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.
Contact details
2 entriesE-mail:jessy.vw@hotmail.com
Phone:0486/404176