4D&S
Active4D&S has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €302k and a net result of €87k. Equity is growing by ~30.9% per year across the filed fiscal years. Its solvency ranks better than 45% of 31523 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
84
/ 100
Excellent▲ +3 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency75▲+8
Growth78=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity tight (current ratio 1.11 against 1.24 in 2024), and 50.5% 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+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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
49.5%
Return on assets
14.2%
Age of the figures
14 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
1 d early
2022
5 d early
2021
27 d early
2020
2 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close14-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€302k▲ 40.2%
2024 · €215k
2020: €28k
2021: €79k
2022: €128k
2023: €203k
2024: €215k
2020 → 2025
Total assets
€610k▲ 14.0%
2024 · €535k
2020: €143k
2021: €149k
2022: €373k
2023: €418k
2024: €535k
2020 → 2025
Net result
€87k▲ 28.6%
2024 · €67k
2020: €23k
2021: €51k
2022: €48k
2023: €75k
2024: €67k
2020 → 2025
Working capital
€10k▼ 66.0%
2024 · €30k
2020: €-64k
2021: €-2k
2022: €-10k
2023: €40k
2024: €30k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€79k-€128k▲ 60.9%€203k▲ 59.0%€215k▲ 6.1%€302k▲ 40.2%
Operating result€67k-€68k▲ 1.2%€102k▲ 50.5%€92k▼ 9.7%€121k▲ 30.7%
Net result€51k-€48k▼ 5.4%€75k▲ 55.8%€67k▼ 10.5%€87k▲ 28.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 31% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €610k
Fixed assets
€510k▲ 34.6%
Current assets
€99k▼ 36.2%
Equity and liabilities €610k
Equity
€302k▲ 40.2%
Debt
€308k▼ 3.8%
The debt ratio falls from 59.7% to 50.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€150k▲
2024 · €114k
Cash flow
€115k▲
2024 · €89k
Solvency
49.5%▲
2024 · 40.3%
Current ratio
1.11▼
2024 · 1.24
Quick ratio
0.97▼
2024 · 1.16
Debt / equity
1.02▼
2024 · 1.48
ROE
28.7%▼
2024 · 31.3%
ROA
14.2%▲
2024 · 12.6%
Interest coverage
16.83▼
2024 · 19.20
Debt
€308k▼
2024 · €320k
Debt ≤ 1 year
€89k▼
2024 · €126k
Debt > 1 year
€218k▲
2024 · €193k
Income taxes
€25k▲
2024 · €19k
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€535k€610k▲
Fixed assets21/28€379k€510k▲
Intangible fixed assets21€51k€41k▼
Tangible fixed assets22/27€328k€469k▲
Land and buildings22€323k€464k▲
Plant, machinery and equipment23€6k€5k▼
Current assets29/58€156k€99k▼
Stocks and contracts in progress3€10k€13k▲
Stocks30/36€10k€13k▲
Amounts receivable within one year40/41€9k€5k▼
Trade receivables40€5k€4k▼
Other amounts receivable41€4k€757▼
Cash at bank and in hand54/58€101k€16k▼
Deferred charges and accrued income490/1€36k€66k▲
Equity and liabilities
Total equity and liabilities10/49€535k€610k▲
Equity10/15€215k€302k▲
Contributions10/11€5k€5k=
Reserves13€210k€297k▲
Distributable reserves133€210k€297k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€320k€308k▼
Amounts payable after more than one year17€193k€218k▲
Financial debts170/4€193k€218k▲
Amounts payable within one year42/48€126k€89k▼
Current portion of amounts payable after more than one year42€27k€31k▲
Trade debts44€23k€28k▲
Suppliers440/4€23k€28k▲
Taxes, remuneration and social security45€30k€12k▼
Taxes450/3€25k€9k▼
Remuneration and social security454/9€5k€3k▼
Other amounts payable47/48€47k€18k▼
Accrued charges and deferred income492/3€284€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€29k▲
Other operating charges640/8€3k€3k▼
Gross operating margin9900€117k€152k▲
Operating profit (loss)9901€92k€121k▲
Financial income75/76B€112€0▼
Recurring financial income75€112€0▼
Financial charges65/66B€6k€9k▲
Recurring financial charges65€6k€9k▲
Profit (loss) for the period before taxes9903€87k€112k▲
Income taxes67/77€19k€25k▲
Profit (loss) for the period9904€67k€87k▲
Profit (loss) for the period to be appropriated9905€67k€87k▲
Appropriation of the result
Profit (loss) to be appropriated9906€67k€87k▲
Transfer from equity791/2€55k€0▼
Transfer to equity691/2€67k€87k▲
To other reserves6921€67k€87k▲
Profit to be distributed694/7€55k€0▼
Return on contributions (dividend)694€55k€0▼
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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2020net €87k ▲28.6%
Operating result €121k, net result €87k, both a record.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Liquidity doublescurrent ratio 1.78
Current ratio from 0.86 to 1.78; short-term debt falls from €70k to €52k.
30-06
Financial
Equity above €200kEq €203k ▲59%
4 profitable years in a row build equity to €203k.
26-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Equity above €100kEq €128k ▲60.9%
3 profitable years in a row build equity to €128k.
04-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Gent · 1 establishment unit since 2019
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.
Hogeheerweg 119051 GentGround area
191 m²
Building footprint
91 m²
Volume, LiDAR
760 m³
Parcel 44062D0369/00V000, Flanders · tallest building 10.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
4D&S
since 20192.293.162.548
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44062D0369/00V000 | Flanders | 191 m² | 1 · 91 m² | 10.7 m · 3 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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TILONE
BE 0505.844.409
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JASCO
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Roeha
BE 0881.159.579
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SIBECA
BE 0439.586.974
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QBIC
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,396. 37,999 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-08-2019
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.