ABVS
ActiveABVS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €15k and a net result of €106k. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 12% of 2409 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 2409 sector peers (2025).
NBB · sector comparisonPosition among 2409 sector peers
Solvency
better than 12%
← weakest
strongest →
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
26 d late
2023
7 d early
2022
6 d early
2021
4 d early
2020
5 d early
2019
8 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€15k=
2024 · €15k
2018: €-24k
2019: €-25k
2020: €31k
2021: €15k
2022: €15k
2023: €15k
2024: €15k
2018 → 2025
Net result
€106k▲ 48.0%
2024 · €72k
2018: €-75
2019: €-2k
2020: €57k
2021: €13k
2022: €449
2023: €55k
2024: €72k
2018 → 2025
Total assets
€329k▼ 13.8%
2024 · €382k
2018: €220k
2019: €179k
2020: €560k
2021: €510k
2022: €443k
2023: €469k
2024: €382k
2018 → 2025
Solvency
4.6%▲ 0.6pp
2024 · 3.9%
2018: -10.8%
2019: -14.2%
2020: 5.6%
2021: 2.9%
2022: 3.5%
2023: 3.3%
2024: 3.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€15k-€15k▲ 3.0%€15k=€15k▼ 2.9%€15k=
Operating result€28k-€13k▼ 53.6%€83k▲ 527%€103k▲ 24.8%€137k▲ 33.0%
Net result€13k-€449▼ 96.6%€55k▲ 12,222%€72k▲ 29.7%€106k▲ 48.0%
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 33% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €329k
Fixed assets
€161k▼ 17.2%
Current assets
€168k▼ 10.3%
Equity and liabilities €329k
Equity
€15k=
Debt
€314k▼ 14.4%
The debt ratio falls from 96.1% to 95.4%: debt is paid down.
Key figures and ratios
Solvency
4.6%▲
2024 · 3.9%
ROE
708.0%▲
2024 · 478.5%
ROA
32.3%▲
2024 · 18.8%
Debt
€314k▼
2024 · €367k
Debt ≤ 1 year
€117k▲
2024 · €110k
Debt > 1 year
€197k▼
2024 · €257k
Income taxes
€33k▲
2024 · €21k
Staff costs
€69k▲
2024 · €58k
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€382k€329k▼
Fixed assets21/28€195k€161k▼
Intangible fixed assets21€170k€138k▼
Tangible fixed assets22/27€25k€24k▼
Land and buildings22€24k€24k▼
Furniture and vehicles24€1k€0▼
Current assets29/58€187k€168k▼
Stocks and contracts in progress3€0-
Contracts in progress37€0-
Amounts receivable within one year40/41€104k€55k▼
Trade receivables40€0-
Other amounts receivable41€104k€55k▼
Cash at bank and in hand54/58€43k€78k▲
Deferred charges and accrued income490/1€40k€36k▼
Equity and liabilities
Total equity and liabilities10/49€382k€329k▼
Equity10/15€15k€15k=
Contributions10/11€15k€15k=
Reserves13€0-
Distributable reserves133€0-
Profit (loss) carried forward14€0€0=
Amounts payable17/49€367k€314k▼
Amounts payable after more than one year17€257k€197k▼
Financial debts170/4€257k€197k▼
Amounts payable within one year42/48€110k€117k▲
Current portion of amounts payable after more than one year42€56k€83k▲
Financial debts43€17k-
Credit institutions430/8€17k-
Trade debts44€8k€1k▼
Suppliers440/4€8k€1k▼
Taxes, remuneration and social security45€30k€32k▲
Taxes450/3€23k€21k▼
Remuneration and social security454/9€7k€11k▲
Other amounts payable47/48€0-
Income statement
Code20242025
Remuneration, social security and pensions62€58k€69k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€41k€38k▼
Other operating charges640/8€2k€6k▲
Gross operating margin9900€204k€250k▲
Operating profit (loss)9901€103k€137k▲
Financial income75/76B€422€10k▲
Recurring financial income75€422€10k▲
Financial charges65/66B€11k€8k▼
Recurring financial charges65€11k€8k▼
Profit (loss) for the period before taxes9903€93k€139k▲
Income taxes67/77€21k€33k▲
Profit (loss) for the period9904€72k€106k▲
Profit (loss) for the period to be appropriated9905€72k€106k▲
Appropriation of the result
Profit (loss) to be appropriated9906€72k€106k▲
Transfer from equity791/2€449€0▼
Profit to be distributed694/7€72k€106k▲
Return on contributions (dividend)694€72k€106k▲
The notes to these accounts (14 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €106k ▲48%
Operating result €137k, net result €106k, both a record.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €57k
Net result €57k after 2 loss-making years.
31-12
Financial
Liquidity times 5current ratio 1.51
Current ratio from 0.33 to 1.51; short-term debt falls from €64k to €57k.
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-2k
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
22-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
13-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
18-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Binche · 2 establishment units since 2013
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.
Avenue Wanderpepen(BIN) 177130 BincheGround area
1,590 m²
Building footprint
796 m²
Volume, LiDAR
11,229 m³
3 parcels, Wallonia · tallest building 19.2 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
ABVS SPRL
since 20132.222.082.829
ABVS SPRL
since 20132.222.083.027
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55022A0434/00T005 | Wallonia | 909 m² | 1 · 691 m² | 19.2 m · 5 fl. |
| 56043A0129/00R000 | Wallonia | 582 m² | 1 · 56 m² | 9.5 m · 3 fl. |
| 56011C0138/00R002 | Wallonia | 98 m² | 1 · 49 m² | 11.0 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels 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
BUREAU BEGUIN ASSURANCES CONSEILS
BE 0692.589.502
Ciney · Eq €15k
ATHENA SRL
BE 0721.492.433
Ath · Eq €15k
CLIERIECK – SEGERS
BE 0767.550.310
Oosterzele · Eq €15k
CAROVER
BE 0882.522.826
Wuustwezel · Eq €15k
INSURIX
BE 0804.159.593
Ingelmunster · Eq €15k
Of 4,666 companies in sector 66220 we hold annual accounts for 3,215. 1,283 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-09-2013
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.