Age3 yrs
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of A22 is 0.5% (very low). The 2024 annual accounts show equity of €228k and a net result of €95k. Equity is growing by ~61.6% per year across the filed fiscal years. Its solvency ranks better than 56% of 12487 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 3 annual accounts.
Signals
2 signals · with evidenceConsistently profitable
Positive net result in the two most recent financial years (2023 and 2024).
View the result trend Growing equity
Equity grew over 2022-2024. Profits are largely retained rather than distributed.
View the equity trend Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 16 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-06-2025, 31 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
The year end is derived from 3 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 30-06-2025 | 31 d early | 2025-00194439 |
| 31-12-2023 | 31-07-2024 | 12-08-2025 | 377 d late | 2025-00370393 |
| 31-12-2022 | 31-07-2023 | 27-07-2023 | 4 d early | 2023-00275711 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone0.5%
Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector
−Young company
+Higher-failure-rate region
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€95k+21.2%
Working capital€209k+63.3%
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 30-06-2025 with the NBB · fiscal year 2024 · micro
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Net result: growth of ~24%/year over 3 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2024 · NACE 70, Head offices & management consulting · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 65.2% | 60.5% | |
| Net result | €95k | €31k | |
| Equity | €228k | €63k | |
| Gross operating margin | €151k | €52k | |
| Staff costs | €23k | €6k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P56
Stable position over 2022-2024
· n=6912-12487
P86
Stable position over 2022-2024
· n=6911-12489
P87
Improving position over 2022-2024
· n=6920-12495
P88
Improving position over 2022-2024
· n=6899-12474
Describes the position versus peers, not a forecast.
€128k
-
22-24
€95k
+21.2%
22-24
€99k
-
22-24
€350k
+71.2%
22-24
€228k
+66.4%
22-24
€209k
+63.3%
22-24
1
-
22-24
€23k
-
22-24
Show 12 other metrics
€30k
+30.2%
22-24
€857
+2.9%
22-24
€122k
+81.2%
22-24
€104k
+55.0%
22-24
€18k
-
22-24
3.01
+3.5%
22-24
3.01
+3.5%
22-24
65.2%
-2.9%
22-24
0.53
+8.9%
22-24
41.8%
-27.1%
22-24
27.3%
-29.2%
22-24
58.38
-
22-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €128k |
| Net profit | €95k |
| Cash flow | €99k |
| Staff costs | €23k |
| Income taxes | €30k |
| Dividends | €857 |
| Total assets | €350k |
| Equity | €228k |
| Debt | €122k |
| of which ≤ 1y | €104k |
| of which > 1y | €18k |
| Working capital | €209k |
| Employees (FTE) | 1.0 |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 3.01 |
| Quick ratio | 3.01 |
| Working capital ratio | 59.7% |
| Solvency | 65.2% |
| Debt / equity | 0.53 |
| Long-term debt ratio | 0.08 |
| Interest coverage | 58.38 |
| Gross margin | - |
| Net margin | - |
| ROA | 27.3% |
| ROE | 41.8% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts (23 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €350k |
| Fixed assets | 21/28 | €37k |
| Tangible fixed assets | 22/27 | €28k |
| Financial fixed assets | 28 | €9k |
| Current assets | 29/58 | €313k |
| Amounts receivable within one year | 40/41 | €141k |
| Cash & bank | 54/58 | €152k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €350k |
| Equity | 10/15 | €228k |
| Contributions / capital | 10/11 | €3k |
| Accumulated profits (losses) | 14 | €225k |
| Amounts payable | 17/49 | €122k |
| Amounts payable after one year | 17 | €18k |
| Amounts payable within one year | 42/48 | €104k |
| Trade debts payable within one year | 44 | €19k |
| Income statement | ||
| Gross operating margin | 9900 | €151k |
| Operating result | 9901 | €124k |
| Financial income | 75 | €3k |
| Financial charges | 65 | €2k |
| Result before taxes | 9903 | €125k |
| Income taxes | 67/77 | €30k |
| Net result for the period | 9904 | €95k |
| Result to be appropriated | 9905 | €95k |
This table shows the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2024 · computed100
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Structure & network
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
Vieux Comptoir 734652 HerveEstablishment units
1 locationA22
since 20222.335.789.791
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
1 acts Company purpose
La contribution en nom propre, pour compte de tiers ou en participation avec ceux-ci, en Belgique ou à l’étranger, à l’établissement et au développement de sociétés et notamment : 1. L’activité de conseil en matière financière, technique, commerciale ou administrative... 2. La consultance de manière générale... 3. L’exercice de toutes missions d’administration... 4. La gestion d’un patrimoine immobilier... Pour son propre compte : 1. L'acquisition par souscription ou achat et la gestion d'actions... 2. L'acquisition, la vente... de biens immeubles... 3. La location de biens immeubles meublés ou équipés...
Per act of 14-07-2026
Capital history · 1
14-07-2026
Founding capital: amount: 60000, shares: 1000, currency: EUR
All acts · 1
updated 1 month ago
2026
14-07-2026 Act object · Notarial deed · Incorporation · Founder
- Act object: CONSTITUTION · M26 Immo
- Publication: 14/07/2026 · M26 Immo
- Filing: 10-07-2026 · M26 Immo
- Notarial deed: 10 juillet 2026 · M26 Immo
- Incorporation: 10 juillet 2026 · M26 Immo
- Founder · BROZAK David
- Founder · MALENGREAUX Marc
- Founder · ROSOUX Pierre
- Founder · GUMUSSOY Daniela
- Founder · JOASSART Diego
- Purpose: La contribution en nom propre, pour compte de tiers ou en participation avec ceux-ci, en Belgique ou à l’étranger, à l’établissement et au développement de sociétés et notamment : 1. L’activité de conseil en matière financière, technique, commerciale ou administrative... 2. La consultance de manière générale... 3. L’exercice de toutes missions d’administration... 4. La gestion d’un patrimoine immobilier... Pour son propre compte : 1. L'acquisition par souscription ou achat et la gestion d'actions... 2. L'acquisition, la vente... de biens immeubles... 3. La location de biens immeubles meublés ou équipés... · M26 Immo
- Founding capital: amount: 60000, shares: 1000, currency: EUR · M26 Immo
- Bank account: BELFIUS, agence de Bruxelles, compte numéro BE$$ · M26 Immo
- Officer appointment: role: administrateur, term: durée illimitée, start_date: 2026-07-10 · MLGX Consult
- Permanent representative · MALENGREAUX Marc
- Officer appointment: role: administrateur, term: durée illimitée, start_date: 2026-07-10 · A22
- Permanent representative · BROZAK David
- Officer appointment: role: administrateur, term: durée illimitée, start_date: 2026-07-10 · ROSCOFI
- Permanent representative · ROSOUX Pierre
- Officer appointment: role: administrateur, term: durée illimitée, start_date: 2026-07-10 · GUMUSSOY Daniela
- Officer appointment: role: administrateur, term: durée illimitée, start_date: 2026-07-10 · BALME
- Permanent representative · JOASSART Diego
- First fiscal year: end: 31 décembre 2027, start: 10 juillet 2026 · M26 Immo
Summary:
Act object · Notarial deed · Incorporation · Founder
Analysis
Financial profile
5 of 5 axes measured94
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
100
Profitability
100
Solvency
100
Growth
78
Stability
94
Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 15,456 of the 82,029 companies in this sector. 11,429 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220
Primary activity highlighted.
Names & trade names
| Legal nameFR | A22 |
Registered office
Vieux Comptoir 73
4652 Herve, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.