ABR concept
ActiveABR concept has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €146k and a net result of €45k. Equity is shrinking by ~12.8% per year across the filed fiscal years. Its solvency ranks better than 57% of 27407 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
100
/ 100
Excellent▲ +6 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+48
Solvency100▲+27
Growth32=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 3.35 against 1.68 in 2024), and 47% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
53%
Return on assets
16.3%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €146k
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 21-05-2026, 71 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
71 d early
2024
119 d early
2023
51 d early
2022
5 d early
2021
44 d early
2020
16 d late
2019
38 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€146k▲ 44.2%
2024 · €101k
2018: €258k
2019: €238k
2020: €197k
2021: €225k
2022: €96k
2023: €91k
2024: €101k
2018 → 2025
Total assets
€276k▲ 0.8%
2024 · €273k
2018: €1.37M
2019: €512k
2020: €470k
2021: €372k
2022: €306k
2023: €336k
2024: €273k
2018 → 2025
Net result
€45k▲ 323%
2024 · €11k
2018: €99k
2019: €-32k
2020: €-40k
2021: €70k
2022: €-24k
2023: €-5k
2024: €11k
2018 → 2025
Working capital
€185k▲ 70.3%
2024 · €108k
2018: €223k
2019: €213k
2020: €194k
2021: €226k
2022: €100k
2023: €91k
2024: €108k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€225k-€96k▼ 57.4%€91k▼ 5.3%€101k▲ 11.7%€146k▲ 44.2%
Operating result€76k-€29k▼ 62.3%€-10k€7k€52k▲ 641%
Net result€70k-€-24k€-5k▲ 78.5%€11k€45k▲ 323%
Turnover and EBIT margin not published: the abbreviated or 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 641% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €276k
Fixed assets
€13k▲ 104%
Current assets
€263k▼ 1.6%
Equity and liabilities €276k
Equity
€146k▲ 44.2%
Provisions
€50k
Debt
€80k▼ 53.8%
The debt ratio falls from 62.9% to 28.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€57k▲
2024 · €26k
Cash flow
€49k▲
2024 · €29k
Solvency
53.0%▲
2024 · 37.1%
Current ratio
3.35▲
2024 · 1.68
Quick ratio
3.35▲
2024 · 1.68
Debt / equity
0.54▼
2024 · 1.70
ROE
30.7%▲
2024 · 10.4%
ROA
16.3%▲
2024 · 3.9%
Interest coverage
18.20▲
2024 · 4.61
Debt
€80k▼
2024 · €172k
Debt ≤ 1 year
€78k▼
2024 · €159k
Debt > 1 year
€1k▼
2024 · €13k
Income taxes
€15k
Staff costs
€63k▲
2024 · €62k
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€273k€276k▲
Fixed assets21/28€6k€13k▲
Intangible fixed assets21-€5k
Tangible fixed assets22/27€6k€8k▲
Land and buildings22€0€0▼
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24-€4k
Other tangible fixed assets26€1k€285▼
Current assets29/58€267k€263k▼
Amounts receivable within one year40/41€173k€138k▼
Trade receivables40€168k€118k▼
Other amounts receivable41€5k€20k▲
Cash at bank and in hand54/58€93k€123k▲
Deferred charges and accrued income490/1€757€2k▲
Equity and liabilities
Total equity and liabilities10/49€273k€276k▲
Equity10/15€101k€146k▲
Contributions10/11€19k€19k=
Reserves13€101k€128k▲
Distributable reserves133€101k€128k▲
Profit (loss) carried forward14€-19k€0▲
Provisions and deferred taxes16-€50k
Provisions for liabilities and charges160/5-€50k
Other liabilities and charges164/5-€50k
Amounts payable17/49€172k€80k▼
Amounts payable after more than one year17€13k€1k▼
Financial debts170/4€13k€1k▼
Amounts payable within one year42/48€159k€78k▼
Current portion of amounts payable after more than one year42€12k€12k▲
Trade debts44€95k€54k▼
Suppliers440/4€95k€54k▼
Taxes, remuneration and social security45€9k€9k▼
Taxes450/3€965€477▼
Remuneration and social security454/9€8k€8k▲
Other amounts payable47/48€43k€4k▼
Income statement
Code20242025
Remuneration, social security and pensions62€62k€63k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€5k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8-€50k
Other operating charges640/8€4k€3k▼
Gross operating margin9900€92k€173k▲
Operating profit (loss)9901€7k€52k▲
Financial income75/76B€9k€11k▲
Recurring financial income75€9k€11k▲
Financial charges65/66B€6k€3k▼
Recurring financial charges65€6k€3k▼
Profit (loss) for the period before taxes9903€11k€60k▲
Income taxes67/77-€15k
Profit (loss) for the period9904€11k€45k▲
Profit (loss) for the period to be appropriated9905€11k€45k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-19k€26k▲
Profit (loss) brought forward from the previous period14P€-29k€-19k▲
Transfer to equity691/2-€26k
To other reserves6921-€26k
Social balance
Average headcount (FTE)90870.7-
The notes to these accounts (18 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
21-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
03-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €11k
Net result €11k after 2 loss-making years.
31-12
Financial
Equity above €100kEq €101k ▲11.7%
Equity rises from €91k to €101k.
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €70k
Net result €70k after 2 loss-making years.
31-12
Financial
Equity above €200kEq €225k ▲14.1%
Equity rises from €197k to €225k.
16-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 16 days late
2020
31-12
Financial
Weakest financial yearnet €-40k
Net result drops to €-40k, the lowest in the series; recovery starts the following year.
07-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 38 days late
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
20-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Kampenhout · 1 establishment unit since 2006
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.
Aarschotsebaan 161910 KampenhoutGround area
952 m²
Building footprint
103 m²
Parcel 23038C0263/00P003, Flanders. Linked by address, not a title deed.
1 establishment unit
Distribution Concept
since 20062.158.005.421
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23038C0263/00P003 | Flanders | 952 m² | 1 · 103 m² | - |
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
Atlas Bouwmaterialen
BE 1000.349.815
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JG CONSTRUCT
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NERM
BE 0419.156.202
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4 saisons by Mukoko Goldberg Associates
BE 0655.888.957
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Of 29,535 companies in sector 41001 we hold annual accounts for 15,872. 12,549 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-12-2006
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43120Site preparation
45112
43990Other specialised construction activities
43999Specialised construction activities
45211
45250
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.