499
ActiveSummary
499 has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.70M and a net result of €109k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 51% of 4602 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability56▲+55
Solvency75▲+2
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €120k at 30 days acceptable
Liquidity ample (current ratio 7.47 against 9.03 in 2023; short-term debt: 5.5% and cash: 4.1% of total assets), and 49.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 2024Solvency, return and age of the figures
Solvency
50.1%
Return on assets
3.2%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 17-06-2025, 44 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
44 d early
2023
27 d late
2022
173 d early
2021
1 d late
2020
27 d late
2019
48 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€109k
2023 · €-2.00M
2018: €-66k
2019: €-86k
2020: €-87k
2021: €-2k
2022: €69k
2023: €-2.00M
2018 → 2024
Working capital
€1.21M▲ 4.9%
2023 · €1.15M
2018: €15k
2019: €1.38M
2020: €2.56M
2021: €2.25M
2022: €2.53M
2023: €1.15M
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-67k-€-69k▼ 3.4%€3.61M€1.61M▼ 55.3%€1.70M▲ 5.6%
Operating result€-71k-€-50k▲ 29.1%€27k€107k▲ 303%€211k▲ 96.3%
Net result€-87k-€-2k▲ 97.4%€69k€-2.00M€109k
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2024 is 96% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €3.40M
Fixed assets
€2.00M ▼ 2.8%
Current assets
€1.39M ▲ 7.7%
Equity and liabilities €3.40M
Equity
€1.70M ▲ 5.6%
Provisions
€14k ▼ 6.2%
Debt
€1.68M ▼ 2.8%
Debt's share of the balance-sheet total falls from 51.5% to 49.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€286k▲
2023 · €182k
Cash flow
€184k▲
2023 · €-1.92M
Current ratio
7.47▼
2023 · 9.03
Debt to equity
0.99▼
2023 · 1.07
ROE
6.4%▲
2023 · -123.9%
ROA
3.2%▲
2023 · -59.5%
Interest coverage
3.97▲
2023 · 0.09
Debt ≤ 1 year
€187k▲
2023 · €143k
Debt > 1 year
€1.49M▼
2023 · €1.59M
Income taxes
€45k▲
2023 · €34k
Staff costs
€12k▼
2023 · €35k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 58 lines
Balance sheet
Code20232024
Assets
Total assets20/58€3.36M€3.40M▲
Fixed assets21/28€2.06M€2.00M▼
Intangible fixed assets21€44k€32k▼
Tangible fixed assets22/27€1.61M€1.56M▼
Land and buildings22€1.59M€1.53M▼
Plant, machinery and equipment23€9k€8k▼
Furniture and vehicles24€506€1k▲
Other tangible fixed assets26€9k€23k▲
Financial fixed assets28€410k€410k=
Current assets29/58€1.29M€1.39M▲
Amounts receivable after more than one year29€700k€428k▼
Other amounts receivable291€700k€428k▼
Amounts receivable within one year40/41€567k€825k▲
Trade receivables40€15k€19k▲
Other amounts receivable41€553k€805k▲
Cash at bank and in hand54/58€27k€138k▲
Deferred charges and accrued income490/1€50€3k▲
Equity and liabilities
Total equity and liabilities10/49€3.36M€3.40M▲
Equity10/15€1.61M€1.70M▲
Contributions10/11€3.59M€3.59M=
Reserves13€44k€25k▼
Distributable reserves133€44k€25k▼
Profit (loss) carried forward14€-2.02M€-1.91M▲
Provisions and deferred taxes16€15k€14k▼
Provisions for liabilities and charges160/5€15k€14k▼
Other liabilities and charges164/5€15k€14k▼
Amounts payable17/49€1.73M€1.68M▼
Amounts payable after more than one year17€1.59M€1.49M▼
Financial debts170/4€1.59M€1.49M▼
Amounts payable within one year42/48€143k€187k▲
Current portion of amounts payable after more than one year42€96k€88k▼
Financial debts43-€4k
Credit institutions430/8-€4k
Trade debts44€535€806▲
Suppliers440/4€535€806▲
Taxes, remuneration and social security45€47k€76k▲
Taxes450/3€41k€73k▲
Remuneration and social security454/9€6k€3k▼
Other amounts payable47/48-€18k
Income statement
Code20232024
Remuneration, social security and pensions62€35k€12k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€75k€75k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€-11k€-958▲
Other operating charges640/8€3k€21k▲
Gross operating margin9900€210k€318k▲
Operating profit (loss)9901€107k€211k▲
Financial income75/76B€71k€16k▼
Recurring financial income75€71k€16k▼
Financial charges65/66B€2.14M€72k▼
Recurring financial charges65€2.14M€72k▼
Profit (loss) for the period before taxes9903€-1.96M€154k▲
Income taxes67/77€34k€45k▲
Profit (loss) for the period9904€-2.00M€109k▲
Profit (loss) for the period to be appropriated9905€-2.00M€109k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-2.02M€-1.91M▲
Profit (loss) brought forward from the previous period14P€-20k€-2.02M▼
Transfer from equity791/2-€19k
Profit to be distributed694/7-€19k
Return on contributions (dividend)694-€19k
The notes to these accounts (17 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Back to profitnet €109k
Net result €109k after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Weakest financial yearnet €-2.00M ▼2983%
Net result drops to €-2.00M, the lowest in the series; recovery starts the following year.
08-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €69k
Net result €69k after 4 loss-making years.
31-12
Financial
Equity above €2MEq €3.61M
Equity rises from €-69k to €3.61M.
01-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 1 day late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
17-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 48 days late
2019
31-12
Financial
Liquidity times 17current ratio 17.52
Current ratio from 1.05 to 17.52; short-term debt falls from €296k to €84k.
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
Show earlier events
2018
10-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 10 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 30 days late
2016
28-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Wavre · 1 establishment unit since 2013
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.
Chaussée de Namur 247C1300 WavreGround area
5,730 m²
Building footprint
1,073 m²
Volume, LiDAR
12,796 m³
2 parcels, Wallonia · tallest building 14.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
499
since 20132.227.216.208
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25772K0015/00R000 | Wallonia | 4,978 m² | 1 · 955 m² | 14.4 m · 4 fl. |
| 25017B0204/02N000 | Wallonia | 753 m² | 1 · 118 m² | 10.0 m · 3 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.
Recognitions · licences · registrations
Legal Entity Identifier
549300TUFE3KKDIH3491
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 22,003 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-12-2013
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.