F&Y
ActiveF&Y has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €104k and a net result of €7k. Equity is shrinking by ~6.6% per year across the filed fiscal years. Its solvency ranks better than 61% of 6971 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
83
/ 100
Excellent▼ -11 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability32=
Solvency100=
Growth32=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 2.14 against 16.06 in 2024), and 33.2% 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 · 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
66.8%
Return on assets
4.2%
Age of the figures
9 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 01-04-2026, 121 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
121 d early
2024
49 d early
2023
47 d early
2022
15 d late
2021
59 d late
2020
11 d late
2019
90 d late
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€104k▼ 29.4%
2024 · €148k
2019: €202k
2020: €195k
2021: €184k
2022: €185k
2023: €126k
2024: €148k
2019 → 2025
Total assets
€156k▼ 0.4%
2024 · €157k
2019: €292k
2020: €277k
2021: €186k
2022: €191k
2023: €150k
2024: €157k
2019 → 2025
Net result
€7k▼ 29.8%
2024 · €9k
2019: €196k
2020: €-7k
2021: €-11k
2022: €2k
2023: €383
2024: €9k
2019 → 2025
Working capital
€59k▼ 56.5%
2024 · €136k
2019: €155k
2020: €134k
2021: €133k
2022: €145k
2023: €95k
2024: €136k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€184k-€185k▲ 0.9%€126k▼ 32.1%€148k▲ 17.3%€104k▼ 29.4%
Operating result€-12k-€522€3k▲ 536%€13k▲ 294%€10k▼ 21.3%
Net result€-11k-€2k€383▼ 77.2%€9k▲ 2,358%€7k▼ 29.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 21% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €156k
Fixed assets
€45k▲ 300%
Current assets
€111k▼ 23.5%
Equity and liabilities €156k
Equity
€104k▼ 29.4%
Debt
€52k▲ 474%
The debt ratio rises from 5.8% to 33.2%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€21k▲
2024 · €14k
Cash flow
€17k▲
2024 · €10k
Solvency
66.8%▼
2024 · 94.2%
Current ratio
2.14▼
2024 · 16.06
Quick ratio
2.14▼
2024 · 16.06
Debt / equity
0.50▲
2024 · 0.06
ROE
6.3%▼
2024 · 6.4%
ROA
4.2%▼
2024 · 6.0%
Interest coverage
19.43▲
2024 · 10.16
Debt
€52k▲
2024 · €9k
Debt ≤ 1 year
€52k▲
2024 · €9k
Income taxes
€4k▲
2024 · €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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€157k€156k▼
Formation expenses20€645€301▼
Fixed assets21/28€11k€45k▲
Tangible fixed assets22/27€8k€42k▲
Land and buildings22€1k€978▼
Plant, machinery and equipment23€609€2k▲
Furniture and vehicles24€0€33k▲
Other tangible fixed assets26€6k€6k=
Financial fixed assets28€3k€3k=
Current assets29/58€145k€111k▼
Amounts receivable within one year40/41€9k€28k▲
Trade receivables40€6k€27k▲
Other amounts receivable41€4k€258▼
Cash at bank and in hand54/58€135k€83k▼
Deferred charges and accrued income490/1-€121
Equity and liabilities
Total equity and liabilities10/49€157k€156k▼
Equity10/15€148k€104k▼
Contributions10/11€19k€19k=
Reserves13€129k€86k▼
Distributable reserves133€129k€86k▼
Amounts payable17/49€9k€52k▲
Amounts payable within one year42/48€9k€52k▲
Trade debts44€180€886▲
Suppliers440/4€180€886▲
Taxes, remuneration and social security45€9k€11k▲
Taxes450/3€9k€11k▲
Other amounts payable47/48-€40k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€10k▲
Other operating charges640/8€698-
Gross operating margin9900€15k€21k▲
Operating profit (loss)9901€13k€10k▼
Financial income75/76B-€965
Recurring financial income75-€965
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€12k€10k▼
Income taxes67/77€2k€4k▲
Profit (loss) for the period9904€9k€7k▼
Profit (loss) for the period to be appropriated9905€9k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€9k€7k▼
Transfer from equity791/2-€43k
Transfer to equity691/2€9k-
To other reserves6921€9k-
Profit to be distributed694/7-€50k
Return on contributions (dividend)694-€50k
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
01-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
12-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 16.06
Current ratio from 4.90 to 16.06; short-term debt falls from €24k to €9k.
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
15-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 15 days late
2022
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 59 days late
2021
31-12
Financial
Weakest financial yearnet €-11k
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 27current ratio 71.01
Current ratio from 2.64 to 71.01; short-term debt falls from €82k to €2k.
11-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 11 days late
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 90 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, Lubbeek · 1 establishment unit since 2018
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.
Vlierbeekstraat(BIN) 63211 LubbeekGround area
2,673 m²
Building footprint
118 m²
Volume, LiDAR
690 m³
Parcel 24012B0010/00C000, Flanders · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
F&Y
since 20182.277.575.539
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24012B0010/00C000 | Flanders | 2,673 m² | 1 · 118 m² | 7.5 m · 2 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 13,425 companies in sector 73300 we hold annual accounts for 6,900. 5,587 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-04-2018
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.
Contact details
1 entryE-mail:Filip.Fontaine@ffny.be