FOBIS
ActiveFOBIS has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €318k and a net result of €30k. Equity is growing by ~7% per year across the filed fiscal years. Its solvency ranks better than 95% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
94
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 21.38 against 17.79 in 2024; short-term debt: 2.7% and cash: 53.9% of total assets), and 2.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
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
97.3%
Return on assets
9.2%
Age of the figures
12 mo
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 13-03-2026, 48 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
48 d early
2024
47 d early
2023
53 d early
2022
51 d early
2021
46 d early
2020
49 d early
2019
42 d early
← 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
21-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€318k▲ 7.0%
2024 · €297k
2018: €216k
2019: €225k
2020: €222k
2021: €238k
2022: €256k
2023: €274k
2024: €297k
2018 → 2025
Total assets
€327k▲ 6.1%
2024 · €308k
2018: €255k
2019: €258k
2020: €278k
2021: €256k
2022: €284k
2023: €291k
2024: €308k
2018 → 2025
Net result
€30k▲ 12.1%
2024 · €27k
2018: €8k
2019: €9k
2020: €13k
2021: €16k
2022: €19k
2023: €25k
2024: €27k
2018 → 2025
Working capital
€182k▲ 0.7%
2024 · €181k
2018: €91k
2019: €101k
2020: €64k
2021: €93k
2022: €128k
2023: €151k
2024: €181k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€238k-€256k▲ 7.8%€274k▲ 7.0%€297k▲ 8.3%€318k▲ 7.0%
Operating result€23k-€31k▲ 35.4%€45k▲ 42.8%€40k▼ 10.4%€45k▲ 12.9%
Net result€16k-€19k▲ 15.4%€25k▲ 37.3%€27k▲ 5.6%€30k▲ 12.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 13% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €327k
Fixed assets
€136k▲ 16.7%
Current assets
€191k▼ 0.3%
Equity and liabilities €327k
Equity
€318k▲ 7.0%
Debt
€9k▼ 17.0%
The debt ratio falls from 3.5% to 2.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€65k▲
2024 · €59k
Cash flow
€50k▲
2024 · €46k
Solvency
97.3%▲
2024 · 96.5%
Current ratio
21.38▲
2024 · 17.79
Quick ratio
21.38▲
2024 · 17.79
Debt / equity
0.03▼
2024 · 0.04
ROE
9.5%▲
2024 · 9.0%
ROA
9.2%▲
2024 · 8.7%
Interest coverage
699.48▲
2024 · 485.51
Debt
€9k▼
2024 · €11k
Debt ≤ 1 year
€9k▼
2024 · €11k
Income taxes
€15k▲
2024 · €13k
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€308k€327k▲
Fixed assets21/28€117k€136k▲
Tangible fixed assets22/27€117k€136k▲
Land and buildings22€112k€98k▼
Furniture and vehicles24€4k€38k▲
Current assets29/58€191k€191k▼
Amounts receivable within one year40/41€11k€15k▲
Trade receivables40€9k€8k▼
Other amounts receivable41€2k€7k▲
Cash at bank and in hand54/58€181k€176k▼
Equity and liabilities
Total equity and liabilities10/49€308k€327k▲
Equity10/15€297k€318k▲
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Other1109/19€19k€19k=
Reserves13€279k€299k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€176k€66k▼
Distributable reserves133€101k€231k▲
Amounts payable17/49€11k€9k▼
Amounts payable within one year42/48€11k€9k▼
Taxes, remuneration and social security45€9k€2k▼
Taxes450/3€9k€2k▼
Other amounts payable47/48€2k€7k▲
Income statement
Code20242025
Non-recurring operating income76A-€336
Remuneration, social security and pensions62€30-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€20k▲
Other operating charges640/8€6k€2k▼
Non-recurring operating charges66A€116€180▲
Gross operating margin9900€65k€67k▲
Operating profit (loss)9901€40k€45k▲
Financial income75/76B-€63
Recurring financial income75-€63
Financial charges65/66B€122€92▼
Recurring financial charges65€122€92▼
Profit (loss) for the period before taxes9903€40k€45k▲
Income taxes67/77€13k€15k▲
Profit (loss) for the period9904€27k€30k▲
Profit (loss) for the period to be appropriated9905€27k€30k▲
Appropriation of the result
Profit (loss) to be appropriated9906€27k€30k▲
Transfer to equity691/2€27k€30k▲
To other reserves6921€27k€30k▲
The notes to these accounts (4 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
13-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2018net €30k ▲12.1%
Operating result €45k, net result €30k, both a record.
14-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
10-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
15-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Liquidity triplescurrent ratio 6.05
Current ratio from 2.25 to 6.05; short-term debt falls from €52k to €18k.
12-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
19-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
15-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
13-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
16-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Kuurne · 1 establishment unit since 2001
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.
Lentedreef 58520 KuurneGround area
1,571 m²
Building footprint
590 m²
Volume, LiDAR
6,653 m³
2 parcels, Flanders · tallest building 17.8 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Liebaardstraat 4 7, 8792 Waregem
since 20012.093.083.915
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34010A0065/00R000 | Flanders | 864 m² | 1 · 429 m² | 17.8 m · 5 fl. |
| 34023B0559/00K007 | Flanders | 707 m² | 1 · 161 m² | 8.7 m · 2 fl. |
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.
Similar companies · same sector, comparable size
CDC CONSULTANCY
BE 0732.582.996
Gent · Eq €318k
KL & CO
BE 0479.556.221
Gingelom · Eq €318k
DE MARAAT
BE 0732.775.414
Moorslede · Eq €318k
Elias Myten
BE 0878.716.664
Kortenberg · Eq €318k
AMIZYZ
BE 0843.965.920
Meise · Eq €318k
Of 82,570 companies in sector 70200 we hold annual accounts for 52,574. 37,777 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-02-2001
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.