a GLOW
Activea GLOW has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €287k and a net result of €97k. Equity is growing by ~25.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 9450 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
94
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+16
Growth78▲+10
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 37.59 against 2.41 in 2024; short-term debt: 2.5% and cash: 43.8% of total assets), and 2.7% 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 71
Relative position
BE, all sectors
reference
Sector 71
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
97.3%
Return on assets
33%
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 25-03-2026, 128 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
128 d early
2024
142 d early
2023
12 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€287k▲ 51.2%
2024 · €190k
2023: €190k
2024: €190k
2023 → 2025
Total assets
€295k▼ 8.1%
2024 · €321k
2023: €228k
2024: €321k
2023 → 2025
Net result
€97k▼ 0.8%
2024 · €98k
2023: €95k
2024: €98k
2023 → 2025
Working capital
€270k▲ 45.7%
2024 · €185k
2023: €182k
2024: €185k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€190k-€190k=€287k▲ 51.2%
Operating result€121k-€112k▼ 7.4%€116k▲ 3.7%
Net result€95k-€98k▲ 3.7%€97k▼ 0.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 4% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €295k
Fixed assets
€18k▲ 285%
Current assets
€277k▼ 12.3%
Equity and liabilities €295k
Equity
€287k▲ 51.2%
Debt
€8k▼ 93.9%
The debt ratio falls from 40.9% to 2.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€119k▼
2024 · €128k
Cash flow
€99k▼
2024 · €114k
Solvency
97.3%▲
2024 · 59.1%
Current ratio
37.59▲
2024 · 2.41
Quick ratio
37.59▲
2024 · 2.41
Debt / equity
0.03▼
2024 · 0.69
ROE
33.9%▼
2024 · 51.6%
ROA
33.0%▲
2024 · 30.5%
Interest coverage
136.47▼
2024 · 305.52
Debt
€8k▼
2024 · €131k
Debt ≤ 1 year
€7k▼
2024 · €131k
Income taxes
€27k▼
2024 · €28k
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€321k€295k▼
Fixed assets21/28€5k€18k▲
Tangible fixed assets22/27€4k€17k▲
Plant, machinery and equipment23€1k€838▼
Furniture and vehicles24€3k€16k▲
Financial fixed assets28€770€770=
Current assets29/58€316k€277k▼
Amounts receivable after more than one year29€12k€126k▲
Other amounts receivable291€12k€126k▲
Amounts receivable within one year40/41€61k€3k▼
Other amounts receivable41€61k€3k▼
Current investments50/53-€15k
Cash at bank and in hand54/58€241k€129k▼
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€321k€295k▼
Equity10/15€190k€287k▲
Contributions10/11€1k€1k=
Reserves13€189k€286k▲
Distributable reserves133€189k€286k▲
Amounts payable17/49€131k€8k▼
Amounts payable within one year42/48€131k€7k▼
Current portion of amounts payable after more than one year42€13k-
Trade debts44€3k€1k▼
Suppliers440/4€3k€1k▼
Taxes, remuneration and social security45€29k€4k▼
Taxes450/3€28k€4k▼
Remuneration and social security454/9€2k-
Other amounts payable47/48€86k€2k▼
Accrued charges and deferred income492/3-€649
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€2k▼
Other operating charges640/8€1k€1k▼
Non-recurring operating charges66A-€522
Gross operating margin9900€129k€120k▼
Operating profit (loss)9901€112k€116k▲
Financial income75/76B€15k€9k▼
Recurring financial income75€15k€9k▼
Financial charges65/66B€419€869▲
Recurring financial charges65€419€869▲
Profit (loss) for the period before taxes9903€126k€125k▼
Income taxes67/77€28k€27k▼
Profit (loss) for the period9904€98k€97k▼
Profit (loss) for the period to be appropriated9905€98k€97k▼
Appropriation of the result
Profit (loss) to be appropriated9906€98k€97k▼
Transfer to equity691/2-€97k
To other reserves6921-€97k
Profit to be distributed694/7€98k-
Return on contributions (dividend)694€98k-
The notes to these accounts (8 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
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity times 16current ratio 37.59
Current ratio from 2.41 to 37.59; short-term debt falls from €131k to €7k.
31-12
Financial
Equity above €200kEq €287k ▲51.2%
3 profitable years in a row build equity to €287k.
11-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €98k ▲3.7%
Net result €98k, the highest in the series.
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro 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, Nijlen · 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.
Fazantenweg(Kessel) 2A2560 NijlenGround area
2,362 m²
Building footprint
270 m²
Volume, LiDAR
1,070 m³
Parcel 12018B0165/00C000, Flanders · tallest building 7.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
a GLOW
since 20192.287.652.651
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12018B0165/00C000 | Flanders | 2,362 m² | 1 · 270 m² | 7.0 m · 1 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.
Similar companies · same sector, comparable size
MIOLI Bénédicte - Architecte
BE 0753.654.267
Marche-en-Famenne · Eq €287k
ART UP ARCHITECTE-ARCHITECTENBU
BE 0890.476.430
Wemmel · Eq €288k
SANI SOLUTIONS
BE 0806.215.993
Beveren-Kruibeke-Zwijndrecht · Eq €288k
Tondo architectuur
BE 0794.660.226
Kortrijk · Eq €286k
CASAGRANDE
BE 0676.535.606
Asse · Eq €286k
Of 18,256 companies in sector 71111 we hold annual accounts for 6,321. 4,761 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-04-2019
Fiscal year end31-12
Activities, NACEBEL
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.