ActuarialFocus
ActiveActuarialFocus has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €249k and a net result of €172k. Equity is growing by ~39.5% per year across the filed fiscal years. Its solvency ranks better than 31% of 7687 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
83
/ 100
Excellent▼ -10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+8
Solvency46▼-54
Growth78=
Stability100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity tight (current ratio 1.34 against 39.93 in 2024), and 74.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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 · 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
25.6%
Return on assets
17.7%
Age of the figures
8 mo
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 28-07-2026, 3 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
3 d early
2024
28 d late
2023
28 d late
2022
31 d late
2021
45 d early
2020
32 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
€249k▼ 67.9%
2024 · €777k
2020: €126k
2021: €278k
2022: €484k
2023: €634k
2024: €777k
2020 → 2025
Total assets
€973k▲ 22.1%
2024 · €796k
2020: €178k
2021: €321k
2022: €505k
2023: €676k
2024: €796k
2020 → 2025
Net result
€172k▲ 20.9%
2024 · €143k
2020: €118k
2021: €152k
2022: €205k
2023: €150k
2024: €143k
2020 → 2025
Working capital
€249k▼ 67.8%
2024 · €772k
2020: €93k
2021: €252k
2022: €465k
2023: €622k
2024: €772k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€278k-€484k▲ 73.8%€634k▲ 31.1%€777k▲ 22.5%€249k▼ 67.9%
Operating result€199k-€240k▲ 21.0%€230k▼ 4.2%€187k▼ 18.8%€216k▲ 15.7%
Net result€152k-€205k▲ 35.2%€150k▼ 26.8%€143k▼ 5.2%€172k▲ 20.9%
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 16% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €973k
Equity
€249k▼ 67.9%
Debt
€724k▲ 3,549%
The debt ratio rises from 2.5% to 74.4%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€221k▲
2024 · €195k
Cash flow
€177k▲
2024 · €150k
Solvency
25.6%▼
2024 · 97.5%
Current ratio
1.34▼
2024 · 39.93
Quick ratio
1.34▼
2024 · 39.93
Debt / equity
2.91▲
2024 · 0.03
ROE
69.2%▲
2024 · 18.4%
ROA
17.7%▼
2024 · 17.9%
Interest coverage
1316.21▼
2024 · 4201.05
Debt
€724k▲
2024 · €20k
Debt ≤ 1 year
€724k▲
2024 · €20k
Income taxes
€53k▲
2024 · €48k
Staff costs
€2k▲
2024 · €2k
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€796k€973k▲
Fixed assets21/28€5k-
Tangible fixed assets22/27€5k-
Furniture and vehicles24€5k-
Current assets29/58€792k€973k▲
Amounts receivable within one year40/41-€399
Trade receivables40-€399
Current investments50/53€500k€750k▲
Cash at bank and in hand54/58€292k€222k▼
Equity and liabilities
Total equity and liabilities10/49€796k€973k▲
Equity10/15€777k€249k▼
Contributions10/11€9k€9k=
Profit (loss) carried forward14€768k€240k▼
Amounts payable17/49€20k€724k▲
Amounts payable within one year42/48€20k€724k▲
Trade debts44€295€685▲
Suppliers440/4€295€685▲
Taxes, remuneration and social security45€17k€18k▲
Taxes450/3€17k€18k▲
Other amounts payable47/48€2k€705k▲
Income statement
Code20242025
Remuneration, social security and pensions62€2k€2k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€5k▼
Other operating charges640/8€2k€3k▲
Gross operating margin9900€199k€227k▲
Operating profit (loss)9901€187k€216k▲
Financial income75/76B€4k€9k▲
Recurring financial income75€4k€9k▲
Financial charges65/66B€46€168▲
Recurring financial charges65€46€168▲
Profit (loss) for the period before taxes9903€191k€225k▲
Income taxes67/77€48k€53k▲
Profit (loss) for the period9904€143k€172k▲
Profit (loss) for the period to be appropriated9905€143k€172k▲
Appropriation of the result
Profit (loss) to be appropriated9906€768k€940k▲
Profit (loss) brought forward from the previous period14P€626k€768k▲
Profit to be distributed694/7-€700k
Return on contributions (dividend)694-€700k
The notes to these accounts (4 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Liquidity triplescurrent ratio 39.93
Current ratio from 15.68 to 39.93; short-term debt falls from €42k to €20k.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Equity above €500kEq €634k ▲31.1%
4 profitable years in a row build equity to €634k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Highest result since 2020net €205k ▲35.2%
Operating result €240k, net result €205k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 23.31
Current ratio from 6.86 to 23.31; short-term debt falls from €43k to €21k.
16-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity doublescurrent ratio 6.86
Current ratio from 2.82 to 6.86; short-term debt falls from €51k to €43k.
31-12
Financial
Equity above €200kEq €278k ▲120%
2 profitable years in a row build equity to €278k.
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · 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, Sint-Gillis (bij-Brussel) · 1 establishment unit since 2020
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.
Montenegrostraat 31060 Sint-Gillis (bij-Brussel)Ground area
116 m²
Building footprint
73 m²
Volume, LiDAR
1,129 m³
Parcel 21562A0291/00A006, Brussels · tallest building 20.5 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
ActuarialFocus
since 20202.300.878.602
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21562A0291/00A006 | Brussels | 116 m² | 1 · 73 m² | 20.5 m · 6 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
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RUNA
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Of 24,424 companies in sector 82990 we hold annual accounts for 9,361. 6,695 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-03-2020
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
66210Risk and damage evaluation
70200Business and other management consultancy
70220Business consulting
85592Vocational training
90031Arts creation and performing arts activities
90111Literary creation
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.