A & A
ActiveA & A has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €30k and a net result of €1k. Equity is growing by ~3.5% per year across the filed fiscal years. Its solvency ranks better than 20% of 3286 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability39▼-1
Solvency36▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.08 against 1.08 in 2024; short-term debt: 89.2% and cash: 7.3% of total assets), and 89.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 69
Relative position
BE, all sectors
reference
Sector 69
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 2025Solvency, return and age of the figures
Solvency
10.8%
Return on assets
0.4%
Age of the figures
12 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 3286 sector peers (2025).
NBB · sector comparisonPosition among 3286 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 10-03-2026, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
51 d early
2024
64 d early
2023
54 d early
2022
48 d early
2021
38 d early
2020
39 d early
2019
38 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€30k▲ 4.0%
2024 · €29k
2018: €23k
2019: €24k
2020: €25k
2021: €26k
2022: €26k
2023: €26k
2024: €29k
2018 → 2025
Total assets
€278k▲ 1.3%
2024 · €275k
2018: €157k
2019: €209k
2020: €179k
2021: €197k
2022: €219k
2023: €268k
2024: €275k
2018 → 2025
Net result
€1k▼ 59.0%
2024 · €3k
2018: €146
2019: €189
2020: €2k
2021: €187
2022: €172
2023: €314
2024: €3k
2018 → 2025
Working capital
€21k▲ 5.9%
2024 · €20k
2018: €18k
2019: €19k
2020: €20k
2021: €21k
2022: €21k
2023: €15k
2024: €20k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€26k-€26k▲ 0.7%€26k▲ 1.2%€29k▲ 10.8%€30k▲ 4.0%
Operating result€10k-€13k▲ 24.8%€18k▲ 42.1%€22k▲ 17.7%€20k▼ 5.9%
Net result€187-€172▼ 8.0%€314▲ 82.6%€3k▲ 797%€1k▼ 59.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 6% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €278k
Fixed assets
€9k=
Current assets
€269k▲ 1.3%
Equity and liabilities €278k
Equity
€30k▲ 4.0%
Debt
€248k▲ 0.9%
The debt ratio falls from 89.5% to 89.2%. Equity and debt are higher.
Key figures and ratios
Solvency
10.8%▲
2024 · 10.5%
Current ratio
1.08▲
2024 · 1.08
Quick ratio
1.08▲
2024 · 1.08
Debt / equity
8.28▼
2024 · 8.53
ROE
3.9%▼
2024 · 9.8%
ROA
0.4%▼
2024 · 1.0%
Debt
€248k▲
2024 · €246k
Debt ≤ 1 year
€248k▲
2024 · €246k
Income taxes
€17k▲
2024 · €16k
Staff costs
€44k▼
2024 · €47k
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€275k€278k▲
Fixed assets21/28€9k€9k=
Financial fixed assets28€9k€9k=
Current assets29/58€265k€269k▲
Amounts receivable within one year40/41€226k€248k▲
Trade receivables40€180k€232k▲
Other amounts receivable41€46k€17k▼
Cash at bank and in hand54/58€39k€20k▼
Equity and liabilities
Total equity and liabilities10/49€275k€278k▲
Equity10/15€29k€30k▲
Contributions10/11€19k€20k▲
Outside capital11€19k€20k▲
Share premium1100/10-€20k
Other1109/19€19k-
Reserves13€10k€10k▼
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€8k€10k▲
Amounts payable17/49€246k€248k▲
Amounts payable within one year42/48€246k€248k▲
Current portion of amounts payable after more than one year42€3k€3k▲
Trade debts44€13k€211k▲
Suppliers440/4€13k€211k▲
Taxes, remuneration and social security45€7k€25k▲
Taxes450/3€7k€25k▲
Other amounts payable47/48€223k€9k▼
Income statement
Code20242025
Remuneration, social security and pensions62€47k€44k▼
Other operating charges640/8€701€668▼
Gross operating margin9900€70k€65k▼
Operating profit (loss)9901€22k€20k▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€19k€18k▼
Income taxes67/77€16k€17k▲
Profit (loss) for the period9904€3k€1k▼
Profit (loss) for the period to be appropriated9905€3k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€1k▼
Transfer to equity691/2€3k€1k▼
To other reserves6921€3k€1k▼
Social balance
Average headcount (FTE)90871.81.8=
The notes to these accounts (1 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
25-03
State Gazette act
Incorporation · Founder
Founding capital · Bank account
10-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
25-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Highest result since 2018net €3k ▲797%
Operating result €22k, net result €3k, both a record.
07-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
13-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
23-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
22-03
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
23-03
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
21-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
14-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
22-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2024
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
05-01-2024
Resigned as Manager
Location & real-estate footprint
Registered office, Beveren-Kruibeke-Zwijndrecht · 2 establishment units since 2005
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.
Grote Kerkstraat 279120 Beveren-Kruibeke-ZwijndrechtGround area
2,672 m²
Building footprint
586 m²
Volume, LiDAR
2,519 m³
2 parcels, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
A & A
since 20052.183.965.688
A&A BVBA
since 20122.215.358.155
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46028C1051/00C000 | Flanders | 2,456 m² | 1 · 374 m² | 7.3 m · 1 fl. |
| 46017A0810/00W000 | Flanders | 217 m² | 1 · 212 m² | 9.1 m · 2 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.
Similar companies · same sector, comparable size
ULYSSE 71
BE 0698.790.968
Waterloo · Eq €30k
BENIFISC
BE 0805.602.717
Brussel · Eq €30k
Vanhaecke, Devriendt & Rosseel
BE 0722.677.219
Jabbeke · Eq €30k
Evi Geerts
BE 0748.636.397
Boechout · Eq €30k
AmCa Tax & Consulting
BE 0801.656.597
Sint-Gillis-Waas · Eq €30k
Of 12,175 companies in sector 69201 we hold annual accounts for 7,638. 5,167 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-01-2005
Fiscal year end30-09
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
74121
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.