A&S
ActiveA&S has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €220k and a net result of €29k. Equity is growing by ~34% per year across the filed fiscal years. Its solvency ranks better than 50% of 18120 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability60▲+2
Solvency59▼-41
Growth82▲+1
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 2.44 against 2.86 in 2024; short-term debt: 30.9% and cash: 6% of total assets), but 66.2% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
33.8%
Return on assets
4.4%
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 30-07-2026, 1 day ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
1 d early
2024
27 d late
2023
55 d late
2022
60 d late
2021
72 d late
2020
47 d late
2019
25 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€1.95M▲ 26.5%
2024 · €1.54M
2019: €735k
2020: €881k
2021: €989k
2023: €1.24M
2024: €1.54M
2019 → 2025
EBIT margin
1.8%▲ 0.6pp
2024 · 1.2%
2019: 4.2%
2020: 3.8%
2021: 0.9%
2023: 0.6%
2024: 1.2%
2019 → 2025
Net result
€29k▲ 178%
2024 · €10k
2018: €-26k
2019: €30k
2020: €25k
2021: €6k
2022: €15k
2023: €5k
2024: €10k
2018 → 2025
Working capital
€288k▲ 26.7%
2024 · €228k
2018: €-50k
2019: €-45k
2020: €-16k
2021: €113k
2022: €219k
2023: €247k
2024: €228k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€989k-€1.24M€1.54M▲ 24.6%€1.95M▲ 26.5%
Equity€161k-€293k▲ 81.9%€339k▲ 15.7%€395k▲ 16.6%€220k▼ 44.4%
Operating result€9k-€25k▲ 189%€7k▼ 70.6%€19k▲ 149%€34k▲ 84.5%
Net result€6k-€15k▲ 166%€5k▼ 66.0%€10k▲ 101%€29k▲ 178%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 84% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €650k
Fixed assets
€161k▼ 4.1%
Current assets
€489k▲ 39.6%
Equity and liabilities €650k
Equity
€220k▼ 44.4%
Debt
€430k▲ 251%
The debt ratio rises from 23.7% to 66.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€60k▲
2024 · €40k
Cash flow
€54k▲
2024 · €32k
Solvency
33.8%▼
2024 · 76.3%
Current ratio
2.44▼
2024 · 2.86
Quick ratio
0.43▼
2024 · 0.85
Debt / equity
1.95▲
2024 · 0.31
ROE
13.0%▲
2024 · 2.6%
ROA
4.4%▲
2024 · 2.0%
Interest coverage
12.16▲
2024 · 7.78
Debt
€430k▲
2024 · €122k
Debt ≤ 1 year
€201k▲
2024 · €122k
Debt > 1 year
€229k
Income taxes
€10k▲
2024 · €3k
Staff costs
€173k▲
2024 · €110k
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€518k€650k▲
Fixed assets21/28€168k€161k▼
Tangible fixed assets22/27€151k€158k▲
Land and buildings22€2k€2k▼
Plant, machinery and equipment23€130k€117k▼
Furniture and vehicles24€18k€39k▲
Financial fixed assets28€17k€2k▼
Current assets29/58€350k€489k▲
Stocks and contracts in progress3€246k€402k▲
Stocks30/36€246k€402k▲
Amounts receivable within one year40/41€35k€48k▲
Trade receivables40€30k€44k▲
Other amounts receivable41€5k€4k▼
Cash at bank and in hand54/58€69k€39k▼
Equity and liabilities
Total equity and liabilities10/49€518k€650k▲
Equity10/15€395k€220k▼
Contributions10/11€331k€127k▼
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€63k€91k▲
Amounts payable17/49€122k€430k▲
Amounts payable after more than one year17-€229k
Other amounts payable178/9-€229k
Amounts payable within one year42/48€122k€201k▲
Current portion of amounts payable after more than one year42€5k-
Trade debts44€39k€121k▲
Suppliers440/4€39k€121k▲
Taxes, remuneration and social security45€78k€76k▼
Taxes450/3€10k€13k▲
Remuneration and social security454/9€68k€63k▼
Other amounts payable47/48€521€3k▲
Income statement
Code20242025
Turnover70€1.54M€1.95M▲
Non-recurring operating income76A-€4k
Goods, raw materials, services and sundry goods60/61€1.37M€1.72M▲
Remuneration, social security and pensions62€110k€173k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€25k▲
Other operating charges640/8€28k€7k▼
Gross operating margin9900€178k€240k▲
Operating profit (loss)9901€19k€34k▲
Financial income75/76B€1€9k▲
Recurring financial income75€1€9k▲
Financial charges65/66B€5k€5k▼
Recurring financial charges65€5k€5k▼
Profit (loss) for the period before taxes9903€13k€39k▲
Income taxes67/77€3k€10k▲
Profit (loss) for the period9904€10k€29k▲
Profit (loss) for the period to be appropriated9905€10k€29k▲
Appropriation of the result
Profit (loss) to be appropriated9906€63k€91k▲
Profit (loss) brought forward from the previous period14P€52k€63k▲
The notes to these accounts (7 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
24-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 55 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 6.27
Current ratio from 3.07 to 6.27; short-term debt falls from €106k to €47k.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
31-12
Financial
Equity above €200kEq €293k ▲81.9%
4 profitable years in a row build equity to €293k.
11-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 72 days late
2021
31-12
Financial
Liquidity triplescurrent ratio 2.49
Current ratio from 0.90 to 2.49; short-term debt falls from €173k to €76k.
31-12
Financial
Equity above €150kEq €161k ▲363%
3 profitable years in a row build equity to €161k.
16-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 47 days late
2020
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
31-12
Financial
Back to profitnet €30k
Net result €30k after one loss-making year.
02-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 124 days late
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, Oostende · 2 establishment units since 2017
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.
Torhoutsesteenweg 2748400 OostendeGround area
1,083 m²
Building footprint
893 m²
Volume, LiDAR
5,612 m³
2 parcels, Flanders · tallest building 20.3 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
WasilaMarkt (WM33)
since 20172.265.875.359
WasilaMarkt (WM33)
since 20242.365.389.837
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35383C0358/00H006 | Flanders | 670 m² | 1 · 480 m² | 20.3 m · 1 fl. |
| 35383C0359/00E002 | Flanders | 413 m² | 1 · 413 m² | 17.2 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.
Recognitions · licences · registrations
Food safety, FASFC
2 sitesOostende2.365.389.837
Oostende2.265.875.359
Similar companies · same sector, comparable size
WVB
BE 0881.444.443
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AHMED FRUITS
BE 0887.827.538
Jette · Eq €220k
ESPACE MARKET
BE 0474.624.760
Brussel · Eq €219k
POLSKIE DELIKATESY
BE 0847.450.101
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LABLO
BE 0887.835.159
Knokke-Heist · Eq €219k
Of 10,527 companies in sector 47110 we hold annual accounts for 5,861. 4,137 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-07-2017
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47113Retail trade
47279Other retail sale of food
47299Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.