ABCreche
ActiveABCreche has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €8k and a net result of €9k. Equity is growing by ~55.2% per year across the filed fiscal years. Its solvency ranks better than 31% of 16932 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
86
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency68▼-29
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 1.56 against 2.24 in 2024), but 64.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 62
Relative position
BE, all sectors
reference
Sector 62
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
35.8%
Return on assets
42%
Age of the figures
8 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 07-01-2026, 205 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
205 d early
2024
203 d early
2023
127 d early
2022
133 d early
2021
68 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€8k▲ 36.2%
2024 · €6k
2021: €5k
2022: €1k
2023: €2k
2024: €6k
2021 → 2025
Total assets
€22k▲ 111%
2024 · €10k
2021: €6k
2022: €5k
2023: €4k
2024: €10k
2021 → 2025
Net result
€9k▲ 183%
2024 · €3k
2021: €5k
2022: €-4k
2023: €1k
2024: €3k
2021 → 2025
Working capital
€8k▲ 36.2%
2024 · €6k
2021: €5k
2022: €1k
2023: €2k
2024: €6k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€5k-€1k▼ 75.4%€2k▲ 115%€6k▲ 130%€8k▲ 36.2%
Operating result€5k-€-3k€1k€4k▲ 175%€12k▲ 232%
Net result€5k-€-4k€1k€3k▲ 143%€9k▲ 183%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 232% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €22k
Equity
€8k▲ 36.2%
Debt
€14k▲ 203%
The debt ratio rises from 44.7% to 64.2%: debt grows faster than equity.
Key figures and ratios
Solvency
35.8%▼
2024 · 55.3%
Current ratio
1.56▼
2024 · 2.24
Quick ratio
1.56▼
2024 · 2.24
Debt / equity
1.80▲
2024 · 0.81
ROE
117.3%▲
2024 · 56.5%
ROA
42.0%▲
2024 · 31.2%
Debt
€14k▲
2024 · €5k
Debt ≤ 1 year
€14k▲
2024 · €5k
Income taxes
€3k▲
2024 · €400
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€10k€22k▲
Current assets29/58€10k€22k▲
Amounts receivable within one year40/41€5k€9k▲
Trade receivables40€5k€8k▲
Other amounts receivable41-€904
Cash at bank and in hand54/58€5k€12k▲
Deferred charges and accrued income490/1€483€756▲
Equity and liabilities
Total equity and liabilities10/49€10k€22k▲
Equity10/15€6k€8k▲
Contributions10/11€1€1=
Profit (loss) carried forward14€6k€8k▲
Amounts payable17/49€5k€14k▲
Amounts payable within one year42/48€5k€14k▲
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€2k€2k▲
Taxes450/3€2k€2k▲
Other amounts payable47/48€221€7k▲
Income statement
Code20242025
Other operating charges640/8€451€605▲
Gross operating margin9900€4k€13k▲
Operating profit (loss)9901€4k€12k▲
Financial income75/76B€22€7▼
Recurring financial income75€22€7▼
Financial charges65/66B€109€124▲
Recurring financial charges65€109€124▲
Profit (loss) for the period before taxes9903€4k€12k▲
Income taxes67/77€400€3k▲
Profit (loss) for the period9904€3k€9k▲
Profit (loss) for the period to be appropriated9905€3k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€6k€15k▲
Profit (loss) brought forward from the previous period14P€2k€6k▲
Profit to be distributed694/7-€7k
Return on contributions (dividend)694-€7k
The notes to these accounts (1 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
07-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €9k ▲183%
Operating result €12k, net result €9k, both a record.
09-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
20-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-4k ▼175%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
24-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Schaarbeek · 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.
Generaal Gratrystraat 571030 SchaarbeekGround area
106 m²
Building footprint
80 m²
Volume, LiDAR
857 m³
Parcel 21911C0145/00A009, Brussels · tallest building 14.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
ABCreche
since 20202.300.957.784
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21911C0145/00A009 | Brussels | 106 m² | 1 · 80 m² | 14.7 m · 4 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
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DD AND D
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ICM CONSULT
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Of 3,203 companies in sector 62900 we hold annual accounts for 1,735. 739 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-02-2020
Fiscal year end31-12
Activities, NACEBEL
62900Other information technology and computer services
62010Computer programming, consultancy and related activities
62030Computer programming, consultancy and related activities
62100Computer programming
62200Computer consultancy and computer facilities management
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.