AC Digest
ActiveAC Digest has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €38k and a net result of €56k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 19% of 16491 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency43▼-57
Growth68▼-10
Track record94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.11 against 5.11 in 2024; short-term debt: 81.8% and cash: 79.2% of total assets), and 81.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 86
Relative position
BE, all sectors
reference
Sector 86
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
18.2%
Return on assets
26.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 16491 sector peers (2025).
NBB · sector comparisonPosition among 16491 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 4 filingsDeviation from the deadline
2025
18 d late
2024
9 d early
2023
23 d early
2022
11 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€38k▼ 74.8%
2024 · €150k
2022: €38k
2023: €95k
2024: €150k
2022 → 2025
Total assets
€208k▲ 15.1%
2024 · €181k
2022: €69k
2023: €125k
2024: €181k
2022 → 2025
Net result
€56k▲ 1.9%
2024 · €55k
2022: €34k
2023: €58k
2024: €55k
2022 → 2025
Working capital
€19k▼ 85.3%
2024 · €126k
2022: €26k
2023: €78k
2024: €126k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€38k-€95k▲ 152%€150k▲ 57.3%€38k▼ 74.8%
Operating result€47k-€74k▲ 55.4%€73k▼ 1.1%€77k▲ 6.1%
Net result€34k-€58k▲ 67.6%€55k▼ 5.0%€56k▲ 1.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 6% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €208k
Fixed assets
€19k▼ 18.2%
Current assets
€189k▲ 20.1%
Equity and liabilities €208k
Equity
€38k▼ 74.8%
Debt
€170k▲ 454%
The debt ratio rises from 17.0% to 81.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€82k▲
2024 · €77k
Cash flow
€60k▲
2024 · €59k
Solvency
18.2%▼
2024 · 83.0%
Current ratio
1.11▼
2024 · 5.11
Quick ratio
1.11▼
2024 · 5.11
Debt / equity
4.50▲
2024 · 0.20
ROE
147.3%▲
2024 · 36.4%
ROA
26.8%▼
2024 · 30.2%
Interest coverage
1046.01▲
2024 · 1004.57
Debt
€170k▲
2024 · €31k
Debt ≤ 1 year
€170k▲
2024 · €31k
Income taxes
€22k▲
2024 · €18k
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€181k€208k▲
Fixed assets21/28€24k€19k▼
Tangible fixed assets22/27€24k€19k▼
Furniture and vehicles24€5k€3k▼
Other tangible fixed assets26€18k€16k▼
Current assets29/58€157k€189k▲
Amounts receivable within one year40/41€3k€24k▲
Trade receivables40€3k€24k▲
Other amounts receivable41-€245
Cash at bank and in hand54/58€130k€165k▲
Deferred charges and accrued income490/1€24k€362▼
Equity and liabilities
Total equity and liabilities10/49€181k€208k▲
Equity10/15€150k€38k▼
Contributions10/11€4k€4k=
Reserves13€34k€34k=
Distributable reserves133€34k€34k=
Profit (loss) carried forward14€112k€0▼
Amounts payable17/49€31k€170k▲
Amounts payable within one year42/48€31k€170k▲
Trade debts44€7k€448▼
Suppliers440/4€7k€448▼
Taxes, remuneration and social security45€18k€22k▲
Taxes450/3€18k€22k▲
Other amounts payable47/48€5k€148k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Other operating charges640/8€150€600▲
Gross operating margin9900€77k€82k▲
Operating profit (loss)9901€73k€77k▲
Financial income75/76B-€287
Recurring financial income75-€287
Financial charges65/66B€77€78▲
Recurring financial charges65€77€78▲
Profit (loss) for the period before taxes9903€73k€78k▲
Income taxes67/77€18k€22k▲
Profit (loss) for the period9904€55k€56k▲
Profit (loss) for the period to be appropriated9905€55k€56k▲
Appropriation of the result
Profit (loss) to be appropriated9906€112k€168k▲
Profit (loss) brought forward from the previous period14P€58k€112k▲
Profit to be distributed694/7-€168k
Return on contributions (dividend)694-€168k
The notes to these accounts (7 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
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150kEq €150k ▲57.3%
3 profitable years in a row build equity to €150k.
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2022net €58k ▲67.6%
Net result €58k, the highest in the series.
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · 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, Lasne · 1 establishment unit since 2022
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.
Chemin des Hayes 11380 LasneGround area
3,717 m²
Building footprint
10 m²
Volume, LiDAR
19 m³
Parcel 25051C0060/00V000, Wallonia · tallest building 2.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
AC Digest
since 20222.338.059.393
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25051C0060/00V000 | Wallonia | 3,717 m² | 1 · 9 m² | 2.2 m · 1 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
Crisis Respons
BE 1008.568.089
Mechelen · Eq €38k
Jabaunik
BE 1003.885.761
Brugge · Eq €38k
House of Glow
BE 1007.066.866
Etterbeek · Eq €38k
AMA
BE 0459.042.107
Laarne · Eq €37k
EetWijzers
BE 1001.384.250
Ranst · Eq €37k
Of 10,454 companies in sector 86995 we hold annual accounts for 885. 646 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-11-2022
Fiscal year end31-12
Activities, NACEBEL
86909Human health activities
86995Nutrition and dietetics services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:anneline.cremer@erasme.ulb.ac.be
Phone:+32495799012
Phone:0495/79.90.12