ACTIF - ZORG
ActiveACTIF - ZORG has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €240k and a net result of €75k. Equity is growing by ~20.2% per year across the filed fiscal years. Its solvency ranks better than 56% of 7697 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▼-9
Solvency83▼-17
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity ample (current ratio 2.46 against 8.51 in 2024; short-term debt: 36.3% and cash: 26.1% of total assets), and 42.1% 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○neutral
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 · 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
57.9%
Return on assets
18%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 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 · 10 filingsDeviation from the deadline
2025
17 d late
2024
23 d early
2023
14 d early
2022
77 d early
2021
62 d early
2020
57 d early
2019
52 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
€240k▼ 15.8%
2024 · €285k
2018: €77k
2019: €97k
2020: €140k
2021: €141k
2022: €158k
2023: €220k
2024: €285k
2018 → 2025
Total assets
€415k▲ 27.5%
2024 · €325k
2018: €96k
2019: €109k
2020: €150k
2021: €179k
2022: €199k
2023: €263k
2024: €325k
2018 → 2025
Net result
€75k▼ 12.2%
2024 · €85k
2018: €19k
2019: €20k
2020: €43k
2021: €19k
2022: €57k
2023: €80k
2024: €85k
2018 → 2025
Working capital
€219k▼ 22.6%
2024 · €283k
2018: €64k
2019: €84k
2020: €130k
2021: €133k
2022: €151k
2023: €212k
2024: €283k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€141k-€158k▲ 11.9%€220k▲ 38.9%€285k▲ 29.8%€240k▼ 15.8%
Operating result€30k-€81k▲ 174%€115k▲ 41.7%€121k▲ 5.3%€106k▼ 12.8%
Net result€19k-€57k▲ 194%€80k▲ 40.6%€85k▲ 5.8%€75k▼ 12.2%
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 13% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €415k
Fixed assets
€45k▲ 890%
Current assets
€369k▲ 15.2%
Equity and liabilities €415k
Equity
€240k▼ 15.8%
Debt
€174k▲ 336%
The debt ratio rises from 12.3% to 42.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€111k▼
2024 · €124k
Cash flow
€79k▼
2024 · €88k
Solvency
57.9%▼
2024 · 87.7%
Current ratio
2.46▼
2024 · 8.51
Quick ratio
2.46▼
2024 · 8.51
Debt / equity
0.73▲
2024 · 0.14
ROE
31.1%▲
2024 · 29.8%
ROA
18.0%▼
2024 · 26.2%
Interest coverage
89.03▼
2024 · 227.08
Debt
€174k▲
2024 · €40k
Debt ≤ 1 year
€150k▲
2024 · €38k
Debt > 1 year
€24k
Income taxes
€30k▼
2024 · €36k
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€325k€415k▲
Fixed assets21/28€5k€45k▲
Tangible fixed assets22/27€5k€45k▲
Land and buildings22€3k€13k▲
Plant, machinery and equipment23-€3k
Furniture and vehicles24€2k€30k▲
Current assets29/58€321k€369k▲
Amounts receivable within one year40/41€178k€248k▲
Trade receivables40€9k€10k▲
Other amounts receivable41€170k€238k▲
Cash at bank and in hand54/58€132k€108k▼
Deferred charges and accrued income490/1€10k€13k▲
Equity and liabilities
Total equity and liabilities10/49€325k€415k▲
Equity10/15€285k€240k▼
Contributions10/11€1€1=
Reserves13€285k€240k▼
Distributable reserves133€285k€240k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€40k€174k▲
Amounts payable after more than one year17-€24k
Financial debts170/4-€24k
Amounts payable within one year42/48€38k€150k▲
Current portion of amounts payable after more than one year42€2k€6k▲
Trade debts44€4k€4k▲
Suppliers440/4€4k€4k▲
Taxes, remuneration and social security45€13k€21k▲
Taxes450/3€9k€17k▲
Remuneration and social security454/9€3k€3k=
Other amounts payable47/48€20k€120k▲
Accrued charges and deferred income492/3€2k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€5k▲
Other operating charges640/8€8k€4k▼
Gross operating margin9900€132k€115k▼
Operating profit (loss)9901€121k€106k▼
Financial income75/76B€0€1▲
Recurring financial income75€0€1▲
Financial charges65/66B€547€1k▲
Recurring financial charges65€547€1k▲
Profit (loss) for the period before taxes9903€121k€105k▼
Income taxes67/77€36k€30k▼
Profit (loss) for the period9904€85k€75k▼
Profit (loss) for the period to be appropriated9905€85k€75k▼
Appropriation of the result
Profit (loss) to be appropriated9906€85k€75k▼
Transfer from equity791/2€20k€120k▲
Transfer to equity691/2€85k€75k▼
To other reserves6921€85k€75k▼
Profit to be distributed694/7€20k€120k▲
Return on contributions (dividend)694€20k€120k▲
The notes to these accounts (9 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
10-09
State Gazette act
Registered officeBoard meeting · Registered-office move2 facts ▸
State Gazette act
Registered office
Board meeting · Registered-office move2 facts ▸
- Board meeting, 2026-08-10
- Registered-office move, St.-Ermelindisstraat 25, 3320 Hoegaarden
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 17 days late
2025
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €85k ▲5.8%
Operating result €121k, net result €85k, both a record.
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €220k ▲38.9%
6 profitable years in a row build equity to €220k.
15-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €158k ▲11.9%
5 profitable years in a row build equity to €158k.
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
04-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €140k ▲44.6%
3 profitable years in a row build equity to €140k.
09-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
04-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
21-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Hoegaarden · 1 establishment unit since 2002
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.
St.-Ermelindisstraat 253320 HoegaardenGround area
979 m²
Building footprint
233 m²
Volume, LiDAR
1,762 m³
2 parcels, Flanders · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ACTIF - ZORG
since 20022.095.537.322
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24712A0767/00S000 | Flanders | 816 m² | 1 · 102 m² | 11.6 m · 3 fl. |
| 24712A0767/00X000 | Flanders | 164 m² | 1 · 131 m² | 11.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
2 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 150 EUR awarded · 150 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 150 EUR | 150 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 11,216 companies in sector 82100 we hold annual accounts for 3,512. 2,378 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-11-2001
Fiscal year end31-12
Activities, NACEBEL
74854
82100Office administrative and support services
82110Office administrative, office support and other business support activities
86906Human health activities
86940Nursing and midwifery
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.