4BTB
Active4BTB has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €43k and a net result of €15k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 86% of 7690 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 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
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 7.75 against 3.83 in 2024), and 12.8% 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 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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
87.2%
Return on assets
29.6%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €43k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
2 d early
2024
30 d early
2023
27 d early
2022
7 d early
2021
45 d early
2020
24 d early
2019
110 d late
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€43k▲ 34.9%
2024 · €32k
2018: €2k
2019: €-1k
2020: €271
2021: €2k
2022: €-3k
2023: €11k
2024: €32k
2018 → 2025
Total assets
€50k▲ 15.0%
2024 · €43k
2018: €16k
2019: €14k
2020: €14k
2021: €8k
2022: €6k
2023: €20k
2024: €43k
2018 → 2025
Net result
€15k▼ 29.3%
2024 · €21k
2018: €-5k
2019: €-4k
2020: €2k
2021: €2k
2022: €-5k
2023: €14k
2024: €21k
2018 → 2025
Working capital
€43k▲ 36.5%
2024 · €31k
2018: €2k
2019: €-1k
2020: €271
2021: €2k
2022: €-3k
2023: €11k
2024: €31k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2k-€-3k€11k€32k▲ 184%€43k▲ 34.9%
Operating result€2k-€-5k€17k€29k▲ 65.6%€22k▼ 21.8%
Net result€2k-€-5k€14k€21k▲ 47.9%€15k▼ 29.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 22% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €50k
Fixed assets
€557▼ 27.7%
Current assets
€49k▲ 15.8%
Equity and liabilities €50k
Equity
€43k▲ 34.9%
Debt
€6k▼ 42.5%
The debt ratio falls from 25.7% to 12.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€23k▼
2024 · €29k
Cash flow
€15k▼
2024 · €21k
Solvency
87.2%▲
2024 · 74.3%
Current ratio
7.75▲
2024 · 3.83
Quick ratio
7.75▲
2024 · 3.83
Debt / equity
0.15▼
2024 · 0.35
ROE
34.0%▼
2024 · 64.8%
ROA
29.6%▼
2024 · 48.2%
Interest coverage
172.13▲
2024 · 165.49
Debt
€6k▼
2024 · €11k
Debt ≤ 1 year
€6k▼
2024 · €11k
Income taxes
€8k▲
2024 · €8k
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€43k€50k▲
Fixed assets21/28€771€557▼
Tangible fixed assets22/27€693€479▼
Furniture and vehicles24€693€479▼
Financial fixed assets28€78€78=
Current assets29/58€42k€49k▲
Amounts receivable within one year40/41€12€17k▲
Trade receivables40-€7k
Other amounts receivable41€12€10k▲
Cash at bank and in hand54/58€42k€29k▼
Deferred charges and accrued income490/1€173€3k▲
Equity and liabilities
Total equity and liabilities10/49€43k€50k▲
Equity10/15€32k€43k▲
Contributions10/11€7k€7k=
Profit (loss) carried forward14€25k€36k▲
Amounts payable17/49€11k€6k▼
Amounts payable within one year42/48€11k€6k▼
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€9k€4k▼
Taxes450/3€9k€4k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€835€612▼
Accrued charges and deferred income492/3-€43
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€165€214▲
Other operating charges640/8€387€400▲
Gross operating margin9900€29k€23k▼
Operating profit (loss)9901€29k€22k▼
Financial income75/76B€28€424▲
Recurring financial income75€28€424▲
Financial charges65/66B€173€131▼
Recurring financial charges65€173€131▼
Profit (loss) for the period before taxes9903€28k€23k▼
Income taxes67/77€8k€8k▲
Profit (loss) for the period9904€21k€15k▼
Profit (loss) for the period to be appropriated9905€21k€15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€25k€39k▲
Profit (loss) brought forward from the previous period14P€4k€25k▲
Profit to be distributed694/7-€4k
Return on contributions (dividend)694-€4k
The notes to these accounts (6 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity doublescurrent ratio 7.75
Current ratio from 3.83 to 7.75; short-term debt falls from €11k to €6k.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €21k ▲47.9%
Operating result €29k, net result €21k, both a record.
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 2.26
Current ratio from 0.67 to 2.26; short-term debt falls from €9k to €8k.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-5k ▼338%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
16-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
18-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 110 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Sint-Genesius-Rode · 1 establishment unit since 2017
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.
Dwarshaagstraat 141640 Sint-Genesius-RodeGround area
107 m²
Building footprint
103 m²
Volume, LiDAR
468 m³
Parcel 22004C0171/00S002, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Dwarshaagstraat 14, 1640 Sint-Genesius-Rode
since 20172.270.284.703
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22004C0171/00S002 | Flanders | 107 m² | 1 · 103 m² | 8.3 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.
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Of 24,422 companies in sector 82990 we hold annual accounts for 9,361. 6,752 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-10-2017
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.