1 TO 3
Active1 TO 3 has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €130k and a net result of €47k. Equity is shrinking by ~2.7% per year across the filed fiscal years. Its solvency ranks better than 26% of 31540 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability49▼-32
Solvency49▲+2
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 1.73 against 1.6 in 2024; short-term debt: 32.6% and cash: 7.2% of total assets), but 76.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 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
23.9%
Return on assets
8.7%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €130k
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
25 d late
2024
31 d early
2023
35 d early
2022
41 d early
2021
37 d early
2020
38 d early
2019
29 d early
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€130k▲ 56.8%
2024 · €83k
2018: €90k
2019: €86k
2020: €79k
2021: €61k
2022: €29k
2023: €46k
2024: €83k
2018 → 2025
Total assets
€543k▲ 41.5%
2024 · €383k
2018: €326k
2019: €354k
2020: €279k
2021: €272k
2022: €281k
2023: €253k
2024: €383k
2018 → 2025
Net result
€47k▲ 29.5%
2024 · €36k
2018: €41k
2019: €-4k
2020: €-7k
2021: €-19k
2022: €-32k
2023: €11k
2024: €36k
2018 → 2025
Working capital
€130k▲ 31.8%
2024 · €98k
2018: €114k
2019: €107k
2020: €99k
2021: €88k
2022: €65k
2023: €82k
2024: €98k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€61k-€29k▼ 53.0%€46k▲ 62.6%€83k▲ 78.2%€130k▲ 56.8%
Operating result€-26k-€-36k▼ 38.2%€5k€39k▲ 658%€118k▲ 201%
Net result€-19k-€-32k▼ 73.7%€11k€36k▲ 232%€47k▲ 29.5%
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 201% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €543k
Fixed assets
€236k▲ 94.0%
Current assets
€306k▲ 17.1%
Equity and liabilities €543k
Equity
€130k▲ 56.8%
Provisions
€53k=
Debt
€360k▲ 45.3%
The debt ratio rises from 64.6% to 66.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€147k▲
2024 · €53k
Cash flow
€76k▲
2024 · €50k
Solvency
23.9%▲
2024 · 21.5%
Current ratio
1.73▲
2024 · 1.60
Quick ratio
1.73▲
2024 · 1.60
Debt / equity
2.78▼
2024 · 3.00
ROE
36.2%▼
2024 · 43.9%
ROA
8.7%▼
2024 · 9.5%
Interest coverage
2.34▼
2024 · 14.28
Debt
€360k▲
2024 · €248k
Debt ≤ 1 year
€177k▲
2024 · €163k
Debt > 1 year
€178k▲
2024 · €78k
Income taxes
€19k▲
2024 · €10k
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€383k€543k▲
Fixed assets21/28€122k€236k▲
Tangible fixed assets22/27€122k€236k▲
Furniture and vehicles24€8k€4k▼
Leasing and similar rights25€93k€73k▼
Other tangible fixed assets26€21k€159k▲
Current assets29/58€262k€306k▲
Amounts receivable after more than one year29€127k€113k▼
Other amounts receivable291€127k€113k▼
Amounts receivable within one year40/41€128k€149k▲
Trade receivables40€10k€605▼
Other amounts receivable41€118k€148k▲
Cash at bank and in hand54/58€2k€39k▲
Deferred charges and accrued income490/1€6k€6k▲
Equity and liabilities
Total equity and liabilities10/49€383k€543k▲
Equity10/15€83k€130k▲
Contributions10/11€6k€6k=
Reserves13€76k€122k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€74k€121k▲
Profit (loss) carried forward14€889€889=
Provisions and deferred taxes16€53k€53k=
Provisions for liabilities and charges160/5€53k€53k=
Pensions and similar obligations160€53k€53k=
Amounts payable17/49€248k€360k▲
Amounts payable after more than one year17€78k€178k▲
Financial debts170/4€78k€178k▲
Amounts payable within one year42/48€163k€177k▲
Current portion of amounts payable after more than one year42€28k€73k▲
Financial debts43€25k-
Credit institutions430/8€25k-
Trade debts44€84k€99k▲
Suppliers440/4€84k€99k▲
Taxes, remuneration and social security45€7k€5k▼
Taxes450/3€7k€5k▼
Other amounts payable47/48€19k€1▼
Accrued charges and deferred income492/3€6k€6k▼
Income statement
Code20242025
Non-recurring operating income76A€5k€2k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€29k▲
Other operating charges640/8€1k€2k▲
Non-recurring operating charges66A€272-
Gross operating margin9900€54k€149k▲
Operating profit (loss)9901€39k€118k▲
Financial income75/76B€10k€10k▲
Recurring financial income75€10k€10k▲
Financial charges65/66B€4k€63k▲
Recurring financial charges65€4k€63k▲
Profit (loss) for the period before taxes9903€46k€66k▲
Income taxes67/77€10k€19k▲
Profit (loss) for the period9904€36k€47k▲
Profit (loss) for the period to be appropriated9905€36k€47k▲
Appropriation of the result
Profit (loss) to be appropriated9906€22k€48k▲
Profit (loss) brought forward from the previous period14P€-14k€889▲
Transfer to equity691/2€21k€47k▲
To other reserves6921€21k€47k▲
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
Next filing, fiscal year 2026, expected by
2026
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
31-12
Financial
Highest result since 2018net €47k ▲29.5%
Operating result €118k, net result €47k, both a record.
31-12
Financial
Equity above €100kEq €130k ▲56.8%
3 profitable years in a row build equity to €130k.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €11k
Net result €11k after 4 loss-making years.
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-32k
Net result drops to €-32k, the lowest in the series; recovery starts the following year.
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
16-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Lasne · 1 establishment unit since 2003
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.
Rue du Printemps 111380 LasneGround area
3,266 m²
Building footprint
212 m²
Volume, LiDAR
1,436 m³
Parcel 25076A0771/00G002, Wallonia · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
1 TO 3
since 20032.123.026.132
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25076A0771/00G002 | Wallonia | 3,266 m² | 1 · 212 m² | 10.2 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.
Recognitions · licences · registrations
Legal Entity Identifier
254900HM7N6XVV7F8H23
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 40,850 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded03-01-2003
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
73110Advertising agencies
74401
Sources
Crossroads Bank for EnterprisesNational Bank · 23 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.