A-Finance
ActiveA-Finance has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €460k and a net result of €93k. Equity is growing by ~31.3% per year across the filed fiscal years. Its solvency ranks better than 53% of 8091 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
79
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability83▼-2
Solvency82▲+17
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity short (current ratio 0.73 against 2.25 in 2023; short-term debt: 10.3% and cash: 2.4% of total assets), and 42.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 12-08-2025, 12 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
12 d late
2023
61 d early
2022
59 d early
2021
59 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€460k▲ 25.4%
2023 · €366k
2021: €172k
2022: €250k
2023: €366k
2021 → 2024
Total assets
€800k▼ 11.8%
2023 · €907k
2021: €857k
2022: €875k
2023: €907k
2021 → 2024
Net result
€93k▼ 19.8%
2023 · €116k
2021: €122k
2022: €78k
2023: €116k
2021 → 2024
Working capital
€-22k
2023 · €92k
2021: €9k
2022: €47k
2023: €92k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€172k-€250k▲ 45.4%€366k▲ 46.4%€460k▲ 25.4%
Operating result€178k-€118k▼ 34.0%€165k▲ 39.9%€131k▼ 20.6%
Net result€122k-€78k▼ 36.1%€116k▲ 48.8%€93k▼ 19.8%
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 2024; 2024 is 21% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €800k
Fixed assets
€740k▼ 0.1%
Current assets
€60k▼ 63.9%
Equity and liabilities €800k
Equity
€460k▲ 25.4%
Debt
€340k▼ 37.0%
The debt ratio falls from 59.6% to 42.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€135k▼
2023 · €169k
Cash flow
€98k▼
2023 · €120k
Solvency
57.5%▲
2023 · 40.4%
Current ratio
0.73▼
2023 · 2.25
Quick ratio
0.73▼
2023 · 2.25
Debt / equity
0.74▼
2023 · 1.47
ROE
20.3%▼
2023 · 31.7%
ROA
11.6%▼
2023 · 12.8%
Interest coverage
9.19▼
2023 · 10.51
Debt
€340k▼
2023 · €540k
Debt ≤ 1 year
€82k▲
2023 · €74k
Debt > 1 year
€258k▼
2023 · €464k
Income taxes
€26k▼
2023 · €33k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€907k€800k▼
Fixed assets21/28€741k€740k▼
Tangible fixed assets22/27€33k€33k▼
Furniture and vehicles24-€4k
Other tangible fixed assets26€33k€29k▼
Financial fixed assets28€707k€707k=
Current assets29/58€166k€60k▼
Amounts receivable within one year40/41€23k€37k▲
Trade receivables40€21k€22k▲
Other amounts receivable41€2k€15k▲
Current investments50/53€100k€0▼
Cash at bank and in hand54/58€31k€19k▼
Deferred charges and accrued income490/1€12k€3k▼
Equity and liabilities
Total equity and liabilities10/49€907k€800k▼
Equity10/15€366k€460k▲
Contributions10/11€50k€50k=
Reserves13€316k€410k▲
Distributable reserves133€316k€410k▲
Amounts payable17/49€540k€340k▼
Amounts payable after more than one year17€464k€258k▼
Financial debts170/4€464k€258k▼
Amounts payable within one year42/48€74k€82k▲
Current portion of amounts payable after more than one year42€54k€54k▲
Financial debts43€0€13k▲
Credit institutions430/8€0€13k▲
Trade debts44€45€278▲
Suppliers440/4€45€278▲
Taxes, remuneration and social security45€20k€12k▼
Taxes450/3€20k€12k▼
Other amounts payable47/48€273€2k▲
Accrued charges and deferred income492/3€2k€244▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€170k€137k▼
Operating profit (loss)9901€165k€131k▼
Financial income75/76B€591€3k▲
Recurring financial income75€591€3k▲
Financial charges65/66B€16k€15k▼
Recurring financial charges65€16k€15k▼
Profit (loss) for the period before taxes9903€149k€119k▼
Income taxes67/77€33k€26k▼
Profit (loss) for the period9904€116k€93k▼
Profit (loss) for the period to be appropriated9905€116k€93k▼
Appropriation of the result
Profit (loss) to be appropriated9906€116k€93k▼
Transfer to equity691/2€116k€93k▼
To other reserves6921€116k€93k▼
The notes to these accounts (19 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
12-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 12 days late
2024
31-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
02-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €78k ▼36.1%
Net result drops to €78k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €200kEq €250k ▲45.4%
2 profitable years in a row build equity to €250k.
02-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Keerbergen · 1 establishment unit since 2020
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.
Jules Ceulemansstraat 173140 KeerbergenGround area
430 m²
Building footprint
64 m²
Volume, LiDAR
7 m³
Parcel 24048B0681/00Z000, Flanders · tallest building 3.5 m. Linked by address, not a title deed.
1 establishment unit
A-Finance
since 20202.305.032.675
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24048B0681/00Z000 | Flanders | 430 m² | 1 · 64 m² | 3.5 m |
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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PROJECT MANAGEMENT CONSULTING
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SMET INVESTERINGSMAATSCHAPPIJ
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proFarm
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 35,323 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-07-2020
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.