ACTIBELAM 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 €693k and a net result of €-102k. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 91% of 1463 sector peers (fiscal year 2025). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
29 d late
2022
30 d late
2021
11 d early
2020
36 d early
2019
61 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€693k▼ 12.8%
2024 · €795k
2018: €783k
2019: €909k
2020: €1.02M
2021: €1.21M
2022: €1.19M
2023: €987k
2024: €795k
2018 → 2025
Net result
€-102k▲ 47.3%
2024 · €-193k
2018: €90k
2019: €126k
2020: €137k
2021: €190k
2022: €-12k
2023: €-206k
2024: €-193k
2018 → 2025
Total assets
€770k▼ 38.9%
2024 · €1.26M
2018: €845k
2019: €1.11M
2020: €1.13M
2021: €1.31M
2022: €1.39M
2023: €1.40M
2024: €1.26M
2018 → 2025
Solvency
90.1%▲ 26.9pp
2024 · 63.1%
2018: 92.7%
2019: 82.1%
2020: 89.7%
2021: 92.0%
2022: 85.6%
2023: 70.5%
2024: 63.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.21M-€1.19M▼ 1.0%€987k▼ 17.3%€795k▼ 19.5%€693k▼ 12.8%
Operating result€285k-€-11k€-212k▼ 1,856%€-209k▲ 1.6%€-102k▲ 51.1%
Net result€190k-€-12k€-206k▼ 1,566%€-193k▲ 6.7%€-102k▲ 47.3%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €102k in 2025 against €209k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €770k
Fixed assets
€61k▼ 11.1%
Current assets
€708k▼ 40.5%
Equity and liabilities €770k
Equity
€693k▼ 12.8%
Provisions
€2k▼ 34.7%
Debt
€74k▼ 83.9%
The debt ratio falls from 36.6% to 9.7%. Equity and debt are lower.
Key figures and ratios
Solvency
90.1%▲
2024 · 63.1%
ROE
-14.6%▲
2024 · -24.2%
ROA
-13.2%▲
2024 · -15.3%
Debt
€74k▼
2024 · €461k
Debt ≤ 1 year
€74k▼
2024 · €201k
Debt > 1 year
€0▼
2024 · €260k
Income taxes
€14k▲
2024 · €519
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€1.26M€770k▼
Fixed assets21/28€69k€61k▼
Tangible fixed assets22/27€67k€59k▼
Land and buildings22€7k€6k▼
Furniture and vehicles24€4k€655▼
Other tangible fixed assets26€57k€52k▼
Financial fixed assets28€2k€2k=
Current assets29/58€1.19M€708k▼
Amounts receivable after more than one year29€849k€422k▼
Other amounts receivable291€849k€422k▼
Amounts receivable within one year40/41€211k€240k▲
Trade receivables40€208k€236k▲
Other amounts receivable41€3k€4k▲
Current investments50/53€10k€15k▲
Cash at bank and in hand54/58€107k€21k▼
Deferred charges and accrued income490/1€13k€10k▼
Equity and liabilities
Total equity and liabilities10/49€1.26M€770k▼
Equity10/15€795k€693k▼
Contributions10/11€360k€360k=
Capital10€360k€360k=
Issued capital100€360k€360k=
Reserves13€842k€842k=
Non-distributable reserves130/1€36k€36k=
Legal reserve130€36k€36k=
Distributable reserves133€806k€806k=
Profit (loss) carried forward14€-408k€-509k▼
Provisions and deferred taxes16€3k€2k▼
Provisions for liabilities and charges160/5€3k€2k▼
Other liabilities and charges164/5€3k€2k▼
Amounts payable17/49€461k€74k▼
Amounts payable after more than one year17€260k€0▼
Financial debts170/4€260k€0▼
Amounts payable within one year42/48€201k€74k▼
Current portion of amounts payable after more than one year42€0-
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Taxes, remuneration and social security45€513€723▲
Taxes450/3€513€723▲
Other amounts payable47/48€196k€72k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Non-recurring operating income76A-€927
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€5k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€2k€1k▼
Non-recurring operating charges66A€133€198▲
Gross operating margin9900€-197k€-95k▲
Operating profit (loss)9901€-209k€-102k▲
Financial income75/76B€32k€10k▼
Recurring financial income75€32k€10k▼
Financial charges65/66B€16k€-5k▼
Recurring financial charges65€16k€-5k▼
Profit (loss) for the period before taxes9903€-192k€-87k▲
Income taxes67/77€519€14k▲
Profit (loss) for the period9904€-193k€-102k▲
Profit (loss) for the period to be appropriated9905€-193k€-102k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-408k€-509k▼
Profit (loss) brought forward from the previous period14P€-215k€-408k▼
The notes to these accounts (11 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €-206k
Net result drops to €-206k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €190k ▲39.3%
Operating result €285k, net result €190k, both a record.
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €1MEq €1.02M ▲11.7%
3 profitable years in a row build equity to €1.02M.
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 61 days late
2019
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-07
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
8 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, Gent · 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.
Kunstlaan 419000 GentGround area
109 m²
Building footprint
92 m²
Volume, LiDAR
1,104 m³
Parcel 44805E0745/53S002, Flanders · tallest building 15.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Kunstlaan 41, 9000 Gent
since 20062.157.946.033
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44805E0745/53S002 | Flanders | 109 m² | 1 · 92 m² | 15.6 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 157 EUR awarded · 157 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 157 EUR | 157 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
254900FGREW6G3DYEA07
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Of 1,511 companies in sector 66199 we hold annual accounts for 917. 570 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded02-12-2006
Fiscal year end31-12
Abbreviation NL
ACTIBEL
Activities, NACEBEL
66199Other activities auxiliary to financial services, excluding insurance and pension funding
Sources
Crossroads Bank for EnterprisesNational Bank · 18 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.