4 E
Active4 E has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €670k and a net result of €144k. Equity is growing by ~27.5% per year across the filed fiscal years. Its solvency ranks better than 81% of 7892 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 6.66 against 5.6 in 2024), and 22.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
77.4%
Return on assets
16.7%
Age of the figures
11 mo
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 27-03-2026, 34 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
34 d early
2024
17 d early
2023
36 d early
2022
37 d early
2021
9 d early
2020
6 d early
2019
22 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
12-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€670k▲ 27.0%
2024 · €527k
2018: €127k
2019: €171k
2020: €186k
2021: €237k
2022: €322k
2023: €410k
2024: €527k
2018 → 2025
Total assets
€866k▲ 15.9%
2024 · €747k
2018: €861k
2019: €869k
2020: €811k
2021: €916k
2022: €619k
2023: €672k
2024: €747k
2018 → 2025
Net result
€144k▲ 20.7%
2024 · €120k
2018: €25k
2019: €44k
2020: €15k
2021: €53k
2022: €86k
2023: €90k
2024: €120k
2018 → 2025
Working capital
€609k▲ 21.9%
2024 · €500k
2018: €45k
2019: €34k
2020: €73k
2021: €135k
2022: €252k
2023: €360k
2024: €500k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€237k-€322k▲ 35.7%€410k▲ 27.3%€527k▲ 28.8%€670k▲ 27.0%
Operating result€90k-€134k▲ 49.0%€127k▼ 5.5%€179k▲ 41.0%€203k▲ 13.8%
Net result€53k-€86k▲ 63.2%€90k▲ 3.9%€120k▲ 33.6%€144k▲ 20.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 14% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €866k
Fixed assets
€149k▲ 7.6%
Current assets
€716k▲ 17.8%
Equity and liabilities €866k
Equity
€670k▲ 27.0%
Provisions
€51k=
Debt
€145k▼ 14.2%
The debt ratio falls from 22.6% to 16.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€260k▲
2024 · €231k
Cash flow
€201k▲
2024 · €172k
Solvency
77.4%▲
2024 · 70.6%
Current ratio
6.66▲
2024 · 5.60
Quick ratio
4.58▲
2024 · 3.26
Debt / equity
0.22▼
2024 · 0.32
ROE
21.5%▼
2024 · 22.7%
ROA
16.7%▲
2024 · 16.0%
Interest coverage
38.09▲
2024 · 17.12
Debt
€145k▼
2024 · €169k
Debt ≤ 1 year
€108k▼
2024 · €109k
Debt > 1 year
€37k▼
2024 · €60k
Income taxes
€69k▲
2024 · €58k
Staff costs
€38k▼
2024 · €45k
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€747k€866k▲
Fixed assets21/28€139k€149k▲
Tangible fixed assets22/27€133k€144k▲
Plant, machinery and equipment23€9k€8k▼
Furniture and vehicles24€10k€62k▲
Leasing and similar rights25€115k€74k▼
Other tangible fixed assets26€0-
Financial fixed assets28€5k€5k=
Current assets29/58€608k€716k▲
Stocks and contracts in progress3€254k€224k▼
Stocks30/36€254k€224k▼
Amounts receivable within one year40/41€67k€172k▲
Trade receivables40€6k€15k▲
Other amounts receivable41€61k€156k▲
Current investments50/53€151k€142k▼
Cash at bank and in hand54/58€130k€171k▲
Deferred charges and accrued income490/1€7k€8k▲
Equity and liabilities
Total equity and liabilities10/49€747k€866k▲
Equity10/15€527k€670k▲
Contributions10/11€95k€95k=
Reserves13€432k€575k▲
Distributable reserves133€432k€575k▲
Provisions and deferred taxes16€51k€51k=
Provisions for liabilities and charges160/5€51k€51k=
Pensions and similar obligations160€51k€51k=
Amounts payable17/49€169k€145k▼
Amounts payable after more than one year17€60k€37k▼
Financial debts170/4€60k€37k▼
Amounts payable within one year42/48€109k€108k▼
Current portion of amounts payable after more than one year42€22k€23k▲
Financial debts43€3k€665▼
Credit institutions430/8€3k€665▼
Trade debts44€25k€23k▼
Suppliers440/4€25k€23k▼
Taxes, remuneration and social security45€57k€59k▲
Taxes450/3€50k€52k▲
Remuneration and social security454/9€7k€7k▲
Other amounts payable47/48€2k€2k▲
Income statement
Code20242025
Remuneration, social security and pensions62€45k€38k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€53k€57k▲
Other operating charges640/8€5k€5k▼
Gross operating margin9900€281k€303k▲
Operating profit (loss)9901€179k€203k▲
Financial income75/76B€12k€17k▲
Recurring financial income75€12k€17k▲
Financial charges65/66B€14k€7k▼
Recurring financial charges65€14k€7k▼
Profit (loss) for the period before taxes9903€177k€214k▲
Income taxes67/77€58k€69k▲
Profit (loss) for the period9904€120k€144k▲
Profit (loss) for the period to be appropriated9905€120k€144k▲
Appropriation of the result
Profit (loss) to be appropriated9906€120k€144k▲
Transfer to equity691/2€118k€143k▲
To other reserves6921€118k€143k▲
Profit to be distributed694/7€2k€2k▲
Return on contributions (dividend)694€2k€2k▲
Social balance
Average headcount (FTE)90870.70.8▲
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
27-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Highest result since 2018net €144k ▲20.7%
Operating result €203k, net result €144k, both a record.
13-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Equity above €500kEq €527k ▲28.8%
7 profitable years in a row build equity to €527k.
25-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
24-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
Financial
Liquidity doublescurrent ratio 2.84
Current ratio from 1.27 to 2.84; short-term debt falls from €494k to €137k.
21-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Equity above €200kEq €237k ▲27.6%
4 profitable years in a row build equity to €237k.
24-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial
Weakest financial yearnet €15k ▼66%
Net result drops to €15k, the lowest in the series; recovery starts the following year.
08-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-09
Financial
Equity above €150kEq €171k ▲34.7%
2 profitable years in a row build equity to €171k.
29-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
26-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
14-04
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
2 directors, no change since 2023
Ingrid Coussement
CurrentDirector · since 29-11-2023
Koen Vanlancker
CurrentDirector · since 29-11-2023
29-11-2023
Ingrid Coussement: Resigned as Director
29-11-2023
Ingrid Coussement: Appointed as Director
29-11-2023
Koen Vanlancker: Resigned as Director
29-11-2023
Koen Vanlancker: Appointed as Director
Location & real-estate footprint
Registered office, Waregem · 3 establishment units since 2006
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.
Opstalstraat 318792 WaregemGround area
3,763 m²
Building footprint
604 m²
Volume, LiDAR
4,425 m³
3 parcels, Flanders · tallest building 18.4 m, ±4 floors. Linked by address, not a title deed.
3 establishment units
CREATURES
since 20062.159.162.788
Obin
since 20062.159.163.976
OBIN
since 20232.341.812.206
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34010A0339/00A000 | Flanders | 2,960 m² | 1 · 363 m² | 7.1 m · 2 fl. |
| 36502B0038/00R000 | Flanders | 656 m² | 1 · 115 m² | 18.4 m · 4 fl. |
| 34353H1081/00N000 | Flanders | 147 m² | 1 · 126 m² | 12.7 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 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
Nationale4
BE 0550.533.297
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VANDERHAEGEN
BE 0451.597.059
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POINTED
BE 0891.800.182
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MER DU SUD
BE 0870.484.334
Anderlecht · Eq €663k
Meulecauter Business Park
BE 0417.432.966
Erpe-Mere · Eq €662k
Of 1,299 companies in sector 46423 we hold annual accounts for 807. 492 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-12-2006
Fiscal year end30-09
Activities, NACEBEL
46423Wholesale of clothing, excluding workwear and underwear
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
51421
52421
62020IT consultancy
62200Computer consultancy and computer facilities management
72100
90393Specialised image, lighting and sound technical services
92313
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.