About Finance
ActiveAbout Finance has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €204k and a net result of €67k. Equity is growing by ~40.1% per year across the filed fiscal years. Its solvency ranks better than 78% of 7694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+1
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 14.92 against 10.77 in 2024; short-term debt: 6.6% and cash: 90.1% of total assets), and 20.3% 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 · 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← 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
79.7%
Return on assets
26.2%
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 10-06-2026, 51 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
51 d early
2024
48 d early
2023
20 d early
2022
49 d early
2021
53 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€204k▼ 54.5%
2024 · €448k
2021: €137k
2022: €237k
2023: €330k
2024: €448k
2021 → 2025
Total assets
€256k▼ 48.2%
2024 · €494k
2021: €228k
2022: €340k
2023: €421k
2024: €494k
2021 → 2025
Net result
€67k▼ 43.0%
2024 · €118k
2021: €132k
2022: €100k
2023: €93k
2024: €118k
2021 → 2025
Working capital
€236k▼ 47.0%
2024 · €445k
2021: €131k
2022: €232k
2023: €326k
2024: €445k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€137k-€237k▲ 73.3%€330k▲ 39.3%€448k▲ 35.6%€204k▼ 54.5%
Operating result€190k-€131k▼ 31.3%€117k▼ 10.5%€144k▲ 23.6%€90k▼ 37.9%
Net result€132k-€100k▼ 24.0%€93k▼ 7.0%€118k▲ 26.2%€67k▼ 43.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 38% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €256k
Fixed assets
€3k▼ 10.8%
Current assets
€253k▼ 48.4%
Equity and liabilities €256k
Equity
€204k▼ 54.5%
Provisions
€35k
Debt
€17k▼ 62.8%
The debt ratio falls from 9.2% to 6.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€91k▼
2024 · €146k
Cash flow
€69k▼
2024 · €119k
Solvency
79.7%▼
2024 · 90.8%
Current ratio
14.92▲
2024 · 10.77
Quick ratio
14.92▲
2024 · 10.77
Debt / equity
0.08▼
2024 · 0.10
ROE
32.9%▲
2024 · 26.3%
ROA
26.2%▲
2024 · 23.8%
Interest coverage
13.36▼
2024 · 44.21
Debt
€17k▼
2024 · €45k
Debt ≤ 1 year
€17k▼
2024 · €45k
Income taxes
€28k▼
2024 · €34k
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€494k€256k▼
Fixed assets21/28€3k€3k▼
Tangible fixed assets22/27€3k€3k▼
Plant, machinery and equipment23€3k€3k▲
Other tangible fixed assets26€660€0▼
Current assets29/58€490k€253k▼
Amounts receivable within one year40/41€850€22k▲
Trade receivables40-€21k
Other amounts receivable41€850€961▲
Current investments50/53€400k-
Cash at bank and in hand54/58€83k€231k▲
Deferred charges and accrued income490/1€6k€600▼
Equity and liabilities
Total equity and liabilities10/49€494k€256k▼
Equity10/15€448k€204k▼
Contributions10/11€5k€5k=
Reserves13€443k€132k▼
Distributable reserves133€443k€132k▼
Profit (loss) carried forward14-€67k
Provisions and deferred taxes16-€35k
Provisions for liabilities and charges160/5-€35k
Other liabilities and charges164/5-€35k
Amounts payable17/49€45k€17k▼
Amounts payable within one year42/48€45k€17k▼
Trade debts44€1k€1k▲
Suppliers440/4€1k€1k▲
Taxes, remuneration and social security45€38k€10k▼
Taxes450/3€38k€10k▼
Other amounts payable47/48€6k€6k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8-€35k
Other operating charges640/8€3k€3k▼
Gross operating margin9900€149k€129k▼
Operating profit (loss)9901€144k€90k▼
Financial income75/76B€10k€13k▲
Recurring financial income75€10k€13k▲
Financial charges65/66B€3k€7k▲
Recurring financial charges65€3k€7k▲
Profit (loss) for the period before taxes9903€152k€95k▼
Income taxes67/77€34k€28k▼
Profit (loss) for the period9904€118k€67k▼
Profit (loss) for the period to be appropriated9905€118k€67k▼
Appropriation of the result
Profit (loss) to be appropriated9906€118k€67k▼
Transfer from equity791/2-€311k
Transfer to equity691/2€118k-
To other reserves6921€118k-
Profit to be distributed694/7-€311k
Return on contributions (dividend)694-€311k
The notes to these accounts (6 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
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €67k ▼43%
Net result drops to €67k, the lowest in the series.
13-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 10.77
Current ratio from 4.60 to 10.77; short-term debt falls from €90k to €45k.
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
12-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €237k ▲73.3%
2 profitable years in a row build equity to €237k.
08-06
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, Zandhoven · 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.
Fatimalaan 302243 ZandhovenGround area
938 m²
Building footprint
136 m²
Volume, LiDAR
149 m³
Parcel 11034B0304/00K003, Flanders · tallest building 26.4 m. Linked by address, not a title deed.
1 establishment unit
About Finance
since 20202.309.899.503
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11034B0304/00K003 | Flanders | 938 m² | 1 · 136 m² | 26.4 m |
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.
Recognitions · licences · registrations
Legal Entity Identifier
699400WH9E4D7IS9M947
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Of 24,505 companies in sector 82990 we hold annual accounts for 9,396. 6,912 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-11-2020
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.