FH Finance
ActiveFH Finance is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €139k and a net result of €168k. Equity is growing by ~10.3% per year across the filed fiscal years. Its solvency ranks better than 40% of 3452 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 14-03-2026, 47 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
47 d early
2024
6 d early
2023
on the day
2022
25 d late
2021
18 d late
2020
on the day
2019
29 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
15-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€139k▲ 565%
2024 · €21k
2018: €44k
2019: €44k
2020: €66k
2021: €79k
2022: €74k
2023: €41k
2024: €21k
2018 → 2025
Net result
€168k▲ 52.6%
2024 · €110k
2018: €13k
2019: €25k
2020: €45k
2021: €73k
2022: €66k
2023: €87k
2024: €110k
2018 → 2025
Total assets
€349k▲ 37.3%
2024 · €254k
2018: €132k
2019: €98k
2020: €122k
2021: €175k
2022: €217k
2023: €299k
2024: €254k
2018 → 2025
Solvency
39.7%▲ 31.5pp
2024 · 8.2%
2018: 33.7%
2019: 44.9%
2020: 53.8%
2021: 45.1%
2022: 33.9%
2023: 13.7%
2024: 8.2%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€79k-€74k▼ 6.5%€41k▼ 44.4%€21k▼ 49.1%€139k▲ 565%
Operating result€101k-€95k▼ 6.4%€125k▲ 32.7%€153k▲ 22.1%€244k▲ 59.3%
Net result€73k-€66k▼ 10.2%€87k▲ 33.0%€110k▲ 25.9%€168k▲ 52.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 59% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €349k
Fixed assets
€234k▲ 49.5%
Current assets
€115k▲ 17.8%
Equity and liabilities €349k
Equity
€139k▲ 565%
Debt
€210k▼ 9.9%
The debt ratio falls from 91.8% to 60.3%: equity grows while debt is paid down.
Key figures and ratios
Solvency
39.7%▲
2024 · 8.2%
ROE
121.0%▼
2024 · 527.4%
ROA
48.1%▲
2024 · 43.2%
Debt
€210k▼
2024 · €233k
Debt ≤ 1 year
€124k▼
2024 · €197k
Debt > 1 year
€84k▲
2024 · €37k
Income taxes
€74k▲
2024 · €43k
Staff costs
€19k▲
2024 · €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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€254k€349k▲
Fixed assets21/28€156k€234k▲
Tangible fixed assets22/27€16k€94k▲
Furniture and vehicles24€16k€88k▲
Other tangible fixed assets26-€6k
Financial fixed assets28€140k€140k=
Current assets29/58€98k€115k▲
Amounts receivable within one year40/41€30k€44k▲
Trade receivables40-€12k
Other amounts receivable41€30k€32k▲
Current investments50/53€15k€21k▲
Cash at bank and in hand54/58€51k€50k▼
Deferred charges and accrued income490/1€2k€0▼
Equity and liabilities
Total equity and liabilities10/49€254k€349k▲
Equity10/15€21k€139k▲
Contributions10/11€19k€19k=
Reserves13€2k€120k▲
Non-distributable reserves130/1€2k€0▼
Reserves not available under the articles1311€2k€0▼
Distributable reserves133-€120k
Profit (loss) carried forward14€383€0▼
Amounts payable17/49€233k€210k▼
Amounts payable after more than one year17€37k€84k▲
Financial debts170/4€37k€84k▲
Amounts payable within one year42/48€197k€124k▼
Current portion of amounts payable after more than one year42€29k€36k▲
Financial debts43€7k€5k▼
Credit institutions430/8€7k-
Other loans439-€5k
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€28k€17k▼
Taxes450/3€25k€14k▼
Remuneration and social security454/9€3k€3k▲
Other amounts payable47/48€130k€64k▼
Accrued charges and deferred income492/3€291€2k▲
Income statement
Code20242025
Non-recurring operating income76A-€19k
Remuneration, social security and pensions62€18k€19k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k▲
Other operating charges640/8€1k€3k▲
Gross operating margin9900€185k€279k▲
Operating profit (loss)9901€153k€244k▲
Financial income75/76B€2k€699▼
Recurring financial income75€2k€699▼
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€153k€241k▲
Income taxes67/77€43k€74k▲
Profit (loss) for the period9904€110k€168k▲
Profit (loss) for the period to be appropriated9905€110k€168k▲
Appropriation of the result
Profit (loss) to be appropriated9906€130k€168k▲
Profit (loss) brought forward from the previous period14P€20k€383▼
Transfer from equity791/2-€2k
Transfer to equity691/2-€120k
To other reserves6921-€120k
Profit to be distributed694/7€130k€50k▼
Return on contributions (dividend)694€130k€50k▼
The notes to these accounts (11 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
14-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2018net €168k ▲52.6%
Operating result €244k, net result €168k, both a record.
30-09
Financial
Equity above €100kEq €139k ▲565%
8 profitable years in a row build equity to €139k.
24-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
18-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
30-09
Financial
Liquidity quadruplescurrent ratio 3.33
Current ratio from 0.90 to 3.33; short-term debt falls from €51k to €33k.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 29 days late
2019
28-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
30-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 19 days late
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, Ronse · 1 establishment unit since 2014
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.
Saint-Sauveurstraat 149600 RonseGround area
3,361 m²
Building footprint
402 m²
Volume, LiDAR
1,580 m³
2 parcels, Flanders, Wallonia · tallest building 12.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
FH Finance
since 20142.271.399.906
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45422C0151/00Y005 | Flanders | 3,006 m² | 1 · 171 m² | 12.7 m · 3 fl. |
| 51004A0699/00B000 | Wallonia | 354 m² | 1 · 231 m² | - |
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.
Recognitions · licences · registrations
Legal Entity Identifier
699400UP7412NH1F5W33
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Of 24,636 companies in sector 64210 we hold annual accounts for 19,688. 13,026 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-04-2014
Fiscal year end30-09
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 11 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.