Fictilis
ActiveFictilis is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show negative equity (€-436k) and a net result of €-62k. Equity is shrinking by ~36.8% per year across the filed fiscal years. Its solvency ranks better than 5% of 9864 sector peers (fiscal year 2024). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 9864 sector peers (2024).
NBB · sector comparisonPosition among 9864 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-10-2025, 86 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 · 6 filingsDeviation from the deadline
2025
not confirmed
2024
86 d late
2023
91 d late
2022
322 d late
2021
152 d late
2020
88 d late
2019
122 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€-436k▼ 16.5%
2023 · €-375k
2019: €21k
2020: €-83k
2021: €-196k
2022: €-332k
2023: €-375k
2019 → 2024
Net result
€-62k▼ 45.3%
2023 · €-43k
2019: €-41k
2020: €-104k
2021: €-113k
2022: €-135k
2023: €-43k
2019 → 2024
Total assets
€2.50M▼ 8.2%
2023 · €2.72M
2019: €1.01M
2020: €2.27M
2021: €2.50M
2022: €2.53M
2023: €2.72M
2019 → 2024
Solvency
-17.5%▼ 3.7pp
2023 · -13.8%
2019: 2.1%
2020: -3.7%
2021: -7.9%
2022: -13.1%
2023: -13.8%
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-83k-€-196k▼ 137%€-332k▼ 69.0%€-375k▼ 12.9%€-436k▼ 16.5%
Operating result€-94k-€-77k▲ 17.9%€-104k▼ 35.3%€-11k▲ 89.1%€-37k▼ 225%
Net result€-104k-€-113k▼ 9.4%€-135k▼ 19.4%€-43k▲ 68.5%€-62k▼ 45.3%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €37k in 2024 against €11k in 2023; the loss grows.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €2.50M
Fixed assets
€2.05M▼ 4.1%
Current assets
€448k▼ 23.0%
Key figures and ratios
Solvency
-17.5%▼
2023 · -13.8%
ROA
-2.5%▼
2023 · -1.6%
Debt
€2.93M▼
2023 · €3.09M
Debt ≤ 1 year
€160k▲
2023 · €157k
Debt > 1 year
€2.77M▼
2023 · €2.94M
Income taxes
€290
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€2.72M€2.50M▼
Fixed assets21/28€2.14M€2.05M▼
Tangible fixed assets22/27€2.08M€1.99M▼
Land and buildings22€1.37M€1.32M▼
Plant, machinery and equipment23€680k€651k▼
Furniture and vehicles24€29k€15k▼
Financial fixed assets28€61k€61k=
Current assets29/58€581k€448k▼
Amounts receivable within one year40/41€569k€440k▼
Trade receivables40€10k€13k▲
Other amounts receivable41€559k€427k▼
Cash at bank and in hand54/58€7k€5k▼
Deferred charges and accrued income490/1€6k€3k▼
Equity and liabilities
Total equity and liabilities10/49€2.72M€2.50M▼
Equity10/15€-375k€-436k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Profit (loss) carried forward14€-436k€-498k▼
Amounts payable17/49€3.09M€2.93M▼
Amounts payable after more than one year17€2.94M€2.77M▼
Financial debts170/4€2.92M€2.76M▼
Other amounts payable178/9€11k€9k▼
Amounts payable within one year42/48€157k€160k▲
Current portion of amounts payable after more than one year42€60k€61k▲
Trade debts44€11k€6k▼
Suppliers440/4€11k€6k▼
Other amounts payable47/48€87k€93k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€95k€93k▼
Other operating charges640/8€7k€7k▲
Gross operating margin9900€91k€64k▼
Operating profit (loss)9901€-11k€-37k▼
Financial income75/76B€10k€13k▲
Recurring financial income75€10k€13k▲
Financial charges65/66B€41k€37k▼
Recurring financial charges65€41k€37k▼
Profit (loss) for the period before taxes9903€-43k€-62k▼
Income taxes67/77-€290
Profit (loss) for the period9904€-43k€-62k▼
Profit (loss) for the period to be appropriated9905€-43k€-62k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-436k€-498k▼
Profit (loss) brought forward from the previous period14P€-394k€-436k▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
25-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 86 days late
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 91 days late
17-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 322 days late
2022
31-12
Financial
Weakest financial yearnet €-135k
Net result drops to €-135k, the lowest in the series; recovery starts the following year.
30-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 152 days late
2021
31-12
Financial
Liquidity times 5current ratio 3.35
Current ratio from 0.74 to 3.35; short-term debt falls from €341k to €81k.
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 88 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 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, Vorst · 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.
O. Van Goidtsnovenlaan 921190 VorstGround area
146 m²
Building footprint
145 m²
Volume, LiDAR
1,171 m³
Parcel 21383B0031/00C007, Brussels · tallest building 16.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Fictilis
since 20182.278.789.425
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21383B0031/00C007 | Brussels | 145 m² | 1 · 145 m² | 16.6 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 24,726 companies in sector 64210 we hold annual accounts for 19,747. 7,525 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded27-04-2018
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.