7 août
Active7 août has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €48k and a net result of €11k. Equity is growing by ~7.3% per year across the filed fiscal years. Its solvency ranks better than 65% of 642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▲+83
Solvency83▲+8
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 1.85 against 1.63 in 2024; short-term debt: 42% and cash: 58.9% of total assets), and 42% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 32
Relative position
BE, all sectors
reference
Sector 32
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
58%
Return on assets
12.8%
Age of the figures
9 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
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
19 d late
2023
10 d late
2022
15 d late
2021
29 d late
2020
27 d late
2019
31 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€48k▲ 28.3%
2024 · €37k
2018: €14k
2019: €25k
2020: €46k
2021: €60k
2022: €52k
2023: €47k
2024: €37k
2018 → 2025
Total assets
€83k▲ 10.8%
2024 · €74k
2018: €36k
2019: €56k
2020: €79k
2021: €96k
2022: €83k
2023: €72k
2024: €74k
2018 → 2025
Net result
€11k
2024 · €-10k
2018: €-2k
2019: €10k
2020: €21k
2021: €14k
2022: €-8k
2023: €-4k
2024: €-10k
2018 → 2025
Working capital
€29k▲ 26.2%
2024 · €23k
2018: €1k
2019: €16k
2020: €32k
2021: €41k
2022: €37k
2023: €28k
2024: €23k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€60k-€52k▼ 13.5%€47k▼ 8.7%€37k▼ 20.7%€48k▲ 28.3%
Operating result€20k-€-6k€-3k▲ 57.0%€-8k▼ 211%€15k
Net result€14k-€-8k€-4k▲ 44.4%€-10k▼ 118%€11k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €15k after a loss of €8k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €83k
Fixed assets
€18k▲ 31.8%
Current assets
€64k▲ 6.0%
Equity and liabilities €83k
Equity
€48k▲ 28.3%
Debt
€35k▼ 6.7%
The debt ratio falls from 49.9% to 42.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€20k▲
2024 · €-3k
Cash flow
€15k▲
2024 · €-5k
Solvency
58.0%▲
2024 · 50.1%
Current ratio
1.85▲
2024 · 1.63
Quick ratio
1.59▲
2024 · 1.21
Debt / equity
0.72▼
2024 · 1.00
ROE
22.1%▲
2024 · -26.2%
ROA
12.8%▲
2024 · -13.1%
Interest coverage
16.98▲
2024 · -2.37
Debt
€35k▼
2024 · €37k
Debt ≤ 1 year
€35k▼
2024 · €37k
Income taxes
€3k▲
2024 · €187
Staff costs
€20k▼
2024 · €24k
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€74k€83k▲
Fixed assets21/28€14k€18k▲
Tangible fixed assets22/27€12k€13k▲
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€7k€5k▼
Other tangible fixed assets26€2k€6k▲
Financial fixed assets28€2k€5k▲
Current assets29/58€60k€64k▲
Stocks and contracts in progress3€16k€9k▼
Stocks30/36€16k€9k▼
Amounts receivable within one year40/41€3k€4k▲
Trade receivables40€3k€4k▲
Cash at bank and in hand54/58€40k€49k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€74k€83k▲
Equity10/15€37k€48k▲
Contributions10/11€6k€6k=
Reserves13€2k€12k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133-€11k
Profit (loss) carried forward14€29k€29k=
Amounts payable17/49€37k€35k▼
Amounts payable within one year42/48€37k€35k▼
Financial debts43€979€230▼
Credit institutions430/8€979€230▼
Trade debts44€17k€12k▼
Suppliers440/4€17k€12k▼
Taxes, remuneration and social security45€17k€20k▲
Taxes450/3€10k€17k▲
Remuneration and social security454/9€7k€3k▼
Other amounts payable47/48€2k€2k▲
Accrued charges and deferred income492/3€2€1▼
Income statement
Code20242025
Remuneration, social security and pensions62€24k€20k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€22k€41k▲
Operating profit (loss)9901€-8k€15k▲
Financial income75/76B€19€7▼
Recurring financial income75€19€7▼
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€-10k€14k▲
Income taxes67/77€187€3k▲
Profit (loss) for the period9904€-10k€11k▲
Profit (loss) for the period to be appropriated9905€-10k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€29k€40k▲
Profit (loss) brought forward from the previous period14P€39k€29k▼
Transfer to equity691/2-€11k
To other reserves6921-€11k
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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €11k
Net result €11k after 3 loss-making years.
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
31-12
Financial
Weakest financial yearnet €-10k
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
10-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 10 days late
2023
15-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 15 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Highest result since 2018net €21k ▲97.8%
Operating result €29k, net result €21k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
18-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 49 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
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, Ukkel · 1 establishment unit since 2014
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.
Coghensquare 87-A1180 UkkelGround area
253 m²
Building footprint
216 m²
Volume, LiDAR
2,525 m³
2 parcels, Brussels · tallest building 21.4 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
VANESSA AERTS
since 20142.238.251.838
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21016B0072/00Z008 | Brussels | 173 m² | 1 · 135 m² | 13.6 m · 4 fl. |
| 21447B0301/00B009 | Brussels | 80 m² | 1 · 81 m² | 21.4 m · 5 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.
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Of 712 companies in sector 32130 we hold annual accounts for 32. 27 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-10-2014
Fiscal year end31-12
Activities, NACEBEL
32130Manufacture of imitation jewellery and related articles
47770Retail sale of watches and jewellery
46150Agents in the wholesale of furniture, household goods and hardware
46499Wholesale of other household goods
47690Retail sale of other cultural and recreation goods
47787Retail trade
77224Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.