Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of 1308 is 3.4% (moderate). The 2025 annual accounts show negative equity (€-110k) and a net result of €-110k. The figures fluctuate too strongly year-on-year for a reliable trend projection. The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 5 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneStatistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Trust signals
3 signalsAdministrative Flags
0 eventsFinancials
Annual accounts & ratios
Source: NBB · 2025How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
| Fiscal year | 2025 |
|---|---|
| Revenue | - |
| EBITDA | €-33k |
| Net profit | €-110k |
| Cash flow | €-53k |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €885k |
| Equity | €-110k |
| Debt | €995k |
| of which ≤ 1y | €479k |
| of which > 1y | €516k |
| Working capital | €-452k |
| Employees (FTE) | - |
| 2025 | |
|---|---|
| Current ratio | 0.06 |
| Quick ratio | 0.06 |
| Working capital ratio | -51.0% |
| Solvency | -12.4% |
| Debt / equity | -9.09 |
| Long-term debt ratio | -4.71 |
| Interest coverage | -1.75 |
| Gross margin | - |
| Net margin | - |
| ROA | -12.4% |
| ROE | 100.6% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €885k |
| Fixed assets | 21/28 | €858k |
| Formation expenses | 20 | €131 |
| Tangible fixed assets | 22/27 | €858k |
| Current assets | 29/58 | €27k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €885k |
| Equity | 10/15 | €-110k |
| Contributions / capital | 10/11 | €50k |
| Accumulated profits (losses) | 14 | €-160k |
| Amounts payable | 17/49 | €995k |
| Amounts payable after one year | 17 | €516k |
| Amounts payable within one year | 42/48 | €479k |
| Trade debts payable within one year | 44 | €24k |
| Income statement | ||
| Gross operating margin | 9900 | €104k |
| Operating result | 9901 | €-91k |
| Financial charges | 65 | €19k |
| Result before taxes | 9903 | €-110k |
| Net result for the period | 9904 | €-110k |
| Result to be appropriated | 9905 | €-110k |
Health barometer
FY 2025 · computedUnlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Structure & network
Locations & real estate
Establishment units
1 locationReal-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71022H1050/00A000 | Flanders | 223 m² | 1 · 129 m² | 17.4 m · 4 fl. |
Analysis
Snowflake analysis
financial profile on 5 axesMixed profile: strong on profitability, weaker on health.
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Credit advice
verdict per customer and amountCompany registry
Company registry (CBE)
Crossroads Bank| Legal nameNL | 1308 |