Actio S&E
ActiveActio S&E has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €72k and a net result of €22k. Equity remains stable across the filed fiscal years (±2.5% per year). Its solvency ranks better than 41% of 8657 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▲+32
Solvency67▲+9
Growth52▲+20
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.39 against 0.03 in 2024; short-term debt: 26.1% and cash: 3.3% of total assets), and 57.7% 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
42.3%
Return on assets
12.7%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €72k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 9 filingsDeviation from the deadline
2025
28 d late
2024
14 d late
2023
23 d late
2022
32 d early
2021
16 d late
2020
8 d early
2019
1 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€72k▲ 43.0%
2024 · €50k
2018: €52k
2019: €48k
2020: €41k
2021: €47k
2022: €47k
2023: €50k
2024: €50k
2018 → 2025
Total assets
€170k▲ 10.2%
2024 · €154k
2018: €212k
2019: €170k
2020: €161k
2021: €168k
2022: €168k
2023: €166k
2024: €154k
2018 → 2025
Net result
€22k
2024 · €-308
2018: €25k
2019: €-4k
2020: €-8k
2021: €6k
2022: €524
2023: €3k
2024: €-308
2018 → 2025
Working capital
€-27k▲ 43.1%
2024 · €-47k
2018: €-6k
2019: €-24k
2020: €-32k
2021: €2k
2022: €2k
2023: €-25k
2024: €-47k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€47k-€47k▲ 1.1%€50k▲ 6.3%€50k▼ 0.6%€72k▲ 43.0%
Operating result€9k-€2k▼ 72.4%€6k▲ 131%€1k▼ 77.2%€30k▲ 2,213%
Net result€6k-€524▼ 91.5%€3k▲ 467%€-308€22k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 2,213% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €170k
Fixed assets
€152k=
Current assets
€17k▲ 988%
Equity and liabilities €170k
Equity
€72k▲ 43.0%
Debt
€98k▼ 5.6%
The debt ratio falls from 67.4% to 57.7%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
42.3%▲
2024 · 32.6%
Current ratio
0.39▲
2024 · 0.03
Quick ratio
0.39▲
2024 · 0.03
Debt / equity
1.37▼
2024 · 2.07
ROE
30.1%▲
2024 · -0.6%
ROA
12.7%▲
2024 · -0.2%
Debt
€98k▼
2024 · €104k
Debt ≤ 1 year
€44k▼
2024 · €49k
Debt > 1 year
€54k▼
2024 · €55k
Income taxes
€9k▲
2024 · €1k
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€154k€170k▲
Formation expenses20€0€0=
Fixed assets21/28€152k€152k=
Financial fixed assets28€152k€152k=
Current assets29/58€2k€17k▲
Amounts receivable within one year40/41€1k€12k▲
Trade receivables40€1k€10k▲
Other amounts receivable41-€2k
Cash at bank and in hand54/58€3€6k▲
Deferred charges and accrued income490/1€516-
Equity and liabilities
Total equity and liabilities10/49€154k€170k▲
Equity10/15€50k€72k▲
Contributions10/11€15k€15k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€33k€55k▲
Amounts payable17/49€104k€98k▼
Amounts payable after more than one year17€55k€54k▼
Financial debts170/4€55k€54k▼
Amounts payable within one year42/48€49k€44k▼
Current portion of amounts payable after more than one year42€30k€20k▼
Trade debts44€277€638▲
Suppliers440/4€277€638▲
Taxes, remuneration and social security45€19k€12k▼
Taxes450/3€8k€12k▲
Remuneration and social security454/9€11k-
Other amounts payable47/48€70€11k▲
Income statement
Code20242025
Non-recurring operating income76A-€10k
Other operating charges640/8€320€402▲
Gross operating margin9900€2k€31k▲
Operating profit (loss)9901€1k€30k▲
Financial charges65/66B€152€305▲
Recurring financial charges65€152€305▲
Profit (loss) for the period before taxes9903€1k€30k▲
Income taxes67/77€1k€9k▲
Profit (loss) for the period9904€-308€22k▲
Profit (loss) for the period to be appropriated9905€-308€22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€33k€55k▲
Profit (loss) brought forward from the previous period14P€34k€33k▼
The notes to these accounts (6 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
14-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 14 days late
2024
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 23 days late
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 16 days late
2021
31-12
Financial
Back to profitnet €6k
Net result €6k after 2 loss-making years.
31-12
Financial
Liquidity times 5current ratio 1.14
Current ratio from 0.21 to 1.14; short-term debt falls from €40k to €14k.
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Bertem · 1 establishment unit since 2017
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.
Kruisstraat 623061 BertemGround area
579 m²
Building footprint
153 m²
Volume, LiDAR
818 m³
Parcel 24061A0038/00H000, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ACTIO SAE
since 20172.260.338.342
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24061A0038/00H000 | Flanders | 579 m² | 1 · 153 m² | 9.1 m · 2 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.
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 39,746 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-01-2017
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
18130Pre-press and pre-media services
74103Other professional, scientific and technical activities
74120Graphic design and visual communication
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:mark.saenen@telenet.be