A-GIPS
ActiveA-GIPS has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €32k and a net result of €51k. Equity is growing by ~14.9% per year across the filed fiscal years. Its solvency ranks better than 32% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency56▼-44
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.44 against 5.38 in 2024; short-term debt: 69.2% and cash: 62.4% of total assets), and 69.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-09-2025, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
34 d early
2023
33 d early
2022
33 d early
2021
33 d early
2020
2 d early
2019
31 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close22-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€32k▼ 39.5%
2024 · €53k
2019: €33k
2020: €13k
2021: €20k
2022: €21k
2023: €25k
2024: €53k
2019 → 2025
Total assets
€105k▲ 60.1%
2024 · €66k
2019: €71k
2020: €19k
2021: €28k
2022: €37k
2023: €29k
2024: €66k
2019 → 2025
Net result
€51k▲ 69.8%
2024 · €30k
2019: €16k
2020: €-20k
2021: €-20k
2022: €1k
2023: €4k
2024: €30k
2019 → 2025
Working capital
€32k▼ 39.5%
2024 · €53k
2019: €30k
2020: €11k
2021: €18k
2022: €21k
2023: €25k
2024: €53k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€20k-€21k▲ 6.5%€25k▲ 19.8%€53k▲ 112%€32k▼ 39.5%
Operating result€-20k-€2k€4k▲ 185%€40k▲ 794%€70k▲ 75.3%
Net result€-20k-€1k€4k▲ 224%€30k▲ 615%€51k▲ 69.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 75% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €105k
Equity
€32k▼ 39.5%
Debt
€73k▲ 496%
The debt ratio rises from 18.6% to 69.2%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
30.8%▼
2024 · 81.4%
Current ratio
1.44▼
2024 · 5.38
Quick ratio
1.44▼
2024 · 5.38
Debt / equity
2.25▲
2024 · 0.23
ROE
156.6%▲
2024 · 55.8%
ROA
48.2%▲
2024 · 45.4%
Debt
€73k▲
2024 · €12k
Debt ≤ 1 year
€73k▲
2024 · €12k
Income taxes
€20k▲
2024 · €10k
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€66k€105k▲
Current assets29/58€66k€105k▲
Amounts receivable within one year40/41€17k€38k▲
Trade receivables40€10k€13k▲
Other amounts receivable41€6k€25k▲
Cash at bank and in hand54/58€47k€66k▲
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€66k€105k▲
Equity10/15€53k€32k▼
Contributions10/11€19k-
Reserves13€35k€32k▼
Distributable reserves133€35k€32k▼
Amounts payable17/49€12k€73k▲
Amounts payable within one year42/48€12k€73k▲
Financial debts43€7k€17k▲
Other loans439€7k€17k▲
Trade debts44€3k€1k▼
Suppliers440/4€3k€1k▼
Taxes, remuneration and social security45€1k€2k▲
Taxes450/3€1k€2k▲
Other amounts payable47/48€2k€53k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€100-
Other operating charges640/8€493€505▲
Gross operating margin9900€40k€70k▲
Operating profit (loss)9901€40k€70k▲
Financial income75/76B€124€912▲
Recurring financial income75€124€912▲
Financial charges65/66B€137€303▲
Recurring financial charges65€137€303▲
Profit (loss) for the period before taxes9903€40k€70k▲
Income taxes67/77€10k€20k▲
Profit (loss) for the period9904€30k€51k▲
Profit (loss) for the period to be appropriated9905€30k€51k▲
Appropriation of the result
Profit (loss) to be appropriated9906€22k€51k▲
Profit (loss) brought forward from the previous period14P€-8k-
Transfer from equity791/2€2k€13k▲
Transfer to equity691/2€22k€10k▼
To other reserves6921€22k€10k▼
Profit to be distributed694/7€2k€53k▲
Return on contributions (dividend)694€2k€53k▲
The notes to these accounts (2 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
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Highest result since 2019net €51k ▲69.8%
Operating result €70k, net result €51k, both a record.
2024
27-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
28-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Liquidity quadruplescurrent ratio 8.04
Current ratio from 2.29 to 8.04; short-term debt falls from €16k to €4k.
2022
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Back to profitnet €1k
Net result €1k after 2 loss-making years.
2021
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
01-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
24-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Geel · 1 establishment unit since 2008
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.
Dr.-Van de Perrestraat 3262440 GeelGround area
1,264 m²
Building footprint
230 m²
Volume, LiDAR
1,402 m³
Parcel 13374F0317/00Z000, Flanders · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
A-GIPS
since 20082.170.533.465
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13374F0317/00Z000 | Flanders | 1,264 m² | 1 · 230 m² | 10.5 m · 2 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 107 EUR awarded · 107 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 107 EUR | 107 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 4,013 companies in sector 43310 we hold annual accounts for 1,745. 1,461 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-04-2008
Fiscal year end31-03
Activities, NACEBEL
43310Plastering work
43230Insulation installation
43291Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 17 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.