55 K
Active55 K has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €25k and a net result of €5k. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 70% of 1902 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▲+13
Solvency99▲+39
Growth32=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 3.52 against 1.52 in 2024; short-term debt: 25.5% and cash: 88.8% of total assets), and 25.5% 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 63
Relative position
BE, all sectors
reference
Sector 63
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
74.5%
Return on assets
14.8%
Age of the figures
9 mo
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 10-06-2026, 51 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
51 d early
2024
41 d early
2023
55 d early
2022
56 d early
2021
52 d early
2020
59 d early
2019
57 d early
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€25k▲ 24.8%
2024 · €20k
2019: €25k
2020: €37k
2021: €41k
2022: €41k
2023: €41k
2024: €20k
2019 → 2025
Total assets
€33k▼ 41.8%
2024 · €57k
2019: €30k
2020: €70k
2021: €73k
2022: €47k
2023: €47k
2024: €57k
2019 → 2025
Net result
€5k▲ 97.9%
2024 · €2k
2019: €24k
2020: €11k
2021: €4k
2022: €152
2023: €325
2024: €2k
2019 → 2025
Working capital
€21k▲ 14.7%
2024 · €19k
2019: €25k
2020: €35k
2021: €34k
2022: €36k
2023: €38k
2024: €19k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€41k-€41k▲ 0.4%€41k▲ 0.8%€20k▼ 52.0%€25k▲ 24.8%
Operating result€7k-€2k▼ 78.0%€1k▼ 27.1%€4k▲ 248%€7k▲ 81.2%
Net result€4k-€152▼ 96.1%€325▲ 114%€2k▲ 660%€5k▲ 97.9%
Turnover and EBIT margin not published: the abbreviated or micro 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 81% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €33k
Fixed assets
€3k▲ 17.3%
Current assets
€30k▼ 45.0%
Equity and liabilities €33k
Equity
€25k▲ 24.8%
Debt
€8k▼ 77.3%
The debt ratio falls from 65.3% to 25.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€8k▲
2024 · €6k
Cash flow
€6k▲
2024 · €4k
Solvency
74.5%▲
2024 · 34.7%
Current ratio
3.52▲
2024 · 1.52
Quick ratio
3.52▲
2024 · 1.52
Debt / equity
0.34▼
2024 · 1.88
ROE
19.9%▲
2024 · 12.5%
ROA
14.8%▲
2024 · 4.3%
Interest coverage
22.68▲
2024 · 13.27
Debt
€8k▼
2024 · €37k
Debt ≤ 1 year
€8k▼
2024 · €35k
Income taxes
€2k▲
2024 · €1k
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€57k€33k▼
Fixed assets21/28€3k€3k▲
Intangible fixed assets21€1k€3k▲
Tangible fixed assets22/27€2k€783▼
Furniture and vehicles24€2k€783▼
Current assets29/58€54k€30k▼
Amounts receivable within one year40/41€352€302▼
Other amounts receivable41€352€302▼
Cash at bank and in hand54/58€49k€29k▼
Deferred charges and accrued income490/1€5k-
Equity and liabilities
Total equity and liabilities10/49€57k€33k▼
Equity10/15€20k€25k▲
Contributions10/11€2k€2k=
Reserves13€18k€23k▲
Distributable reserves133€18k€23k▲
Amounts payable17/49€37k€8k▼
Amounts payable within one year42/48€35k€8k▼
Trade debts44€7k-
Suppliers440/4€7k-
Taxes, remuneration and social security45€2k€6k▲
Taxes450/3€2k€6k▲
Other amounts payable47/48€26k€2k▼
Accrued charges and deferred income492/3€2k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€1k▼
Other operating charges640/8€411€2k▲
Gross operating margin9900€6k€10k▲
Operating profit (loss)9901€4k€7k▲
Financial income75/76B€52-
Recurring financial income75€52-
Financial charges65/66B€444€367▼
Recurring financial charges65€444€367▼
Profit (loss) for the period before taxes9903€4k€7k▲
Income taxes67/77€1k€2k▲
Profit (loss) for the period9904€2k€5k▲
Profit (loss) for the period to be appropriated9905€2k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€5k▲
Transfer from equity791/2€24k-
Transfer to equity691/2€2k€5k▲
To other reserves6921€2k€5k▲
Profit to be distributed694/7€24k-
Return on contributions (dividend)694€24k-
The notes to these accounts (10 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
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity doublescurrent ratio 3.52
Current ratio from 1.52 to 3.52; short-term debt falls from €35k to €8k.
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
06-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
05-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €152 ▼96.1%
Net result drops to €152, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 6.84
Current ratio from 2.06 to 6.84; short-term debt falls from €32k to €6k.
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
02-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
04-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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-Gillis-Waas · 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.
Samelstraat(SGW) 559170 Sint-Gillis-WaasGround area
1,116 m²
Building footprint
322 m²
Volume, LiDAR
1,071 m³
2 parcels, Flanders · tallest building 10.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Samelstraat(SGW) 55B, 9170 Sint-Gillis-Waas
since 20192.289.224.249
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46020E0318/00C002 | Flanders | 888 m² | 1 · 172 m² | 6.4 m · 2 fl. |
| 46020E0318/00D002 | Flanders | 228 m² | 1 · 150 m² | 10.7 m |
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.
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Of 3,153 companies in sector 63920 we hold annual accounts for 1,523. 1,121 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-05-2019
Fiscal year end31-12
Activities, NACEBEL
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.