AD - FI - CON
ActiveAD - FI - CON has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €973k and a net result of €-28k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 87% of 31545 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 12.02 against 14.09 in 2024), and 10.5% 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 · 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
89.5%
Return on assets
-2.6%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 21-04-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
1 d early
2023
78 d early
2022
10 d early
2021
16 d early
2020
2 d early
2019
42 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€973k▼ 2.8%
2024 · €1.00M
2018: €273k
2019: €273k
2020: €247k
2021: €222k
2022: €206k
2023: €1.00M
2024: €1.00M
2018 → 2025
Total assets
€1.09M▼ 3.9%
2024 · €1.13M
2018: €357k
2019: €368k
2020: €368k
2021: €316k
2022: €492k
2023: €1.25M
2024: €1.13M
2018 → 2025
Net result
€-28k
2024 · €187
2018: €15k
2019: €-26k
2020: €-27k
2021: €2k
2022: €-17k
2023: €867k
2024: €187
2018 → 2025
Working capital
€686k▼ 29.9%
2024 · €979k
2018: €23k
2019: €-11k
2020: €-11k
2021: €-42k
2022: €-30k
2023: €979k
2024: €979k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€222k-€206k▼ 7.6%€1.00M▲ 387%€1.00M▼ 0.1%€973k▼ 2.8%
Operating result€6k-€-8k€230k€-19k€-78k▼ 307%
Net result€2k-€-17k€867k€187▼ 100.0%€-28k
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 €78k in 2025 against €19k in 2024; the loss grows and 2025 is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.09M
Fixed assets
€339k▲ 338%
Current assets
€748k▼ 29.0%
Equity and liabilities €1.09M
Equity
€973k▼ 2.8%
Provisions
€41k▼ 13.9%
Debt
€73k▼ 11.5%
The debt ratio falls from 7.3% to 6.7%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€-13k▲
2024 · €-15k
Cash flow
€37k▲
2024 · €4k
Solvency
89.5%▲
2024 · 88.5%
Current ratio
12.02▼
2024 · 14.09
Quick ratio
12.02▼
2024 · 14.09
Debt / equity
0.07▼
2024 · 0.08
ROE
-2.9%▼
2024 · 0.0%
ROA
-2.6%▼
2024 · 0.0%
Interest coverage
-2.71▲
2024 · -3.06
Debt
€73k▼
2024 · €82k
Debt ≤ 1 year
€62k▼
2024 · €75k
Income taxes
€131▼
2024 · €757
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€1.13M€1.09M▼
Fixed assets21/28€77k€339k▲
Tangible fixed assets22/27€77k€339k▲
Land and buildings22€77k€336k▲
Plant, machinery and equipment23€636€374▼
Furniture and vehicles24€82€2k▲
Current assets29/58€1.05M€748k▼
Amounts receivable within one year40/41€13k€15k▲
Trade receivables40€3k€7k▲
Other amounts receivable41€10k€8k▼
Current investments50/53€952k€642k▼
Cash at bank and in hand54/58€88k€80k▼
Deferred charges and accrued income490/1€1k€11k▲
Equity and liabilities
Total equity and liabilities10/49€1.13M€1.09M▼
Equity10/15€1.00M€973k▼
Contributions10/11€64k€64k=
Revaluation surpluses12€77k€73k▼
Reserves13€673k€653k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132€150k€130k▼
Distributable reserves133€523k€523k=
Profit (loss) carried forward14€188k€183k▼
Provisions and deferred taxes16€48k€41k▼
Deferred taxes168€48k€41k▼
Amounts payable17/49€82k€73k▼
Amounts payable within one year42/48€75k€62k▼
Trade debts44€4k€662▼
Suppliers440/4€4k€662▼
Advances received on contracts in progress46-€83
Taxes, remuneration and social security45€6k€1k▼
Taxes450/3€911€1k▲
Remuneration and social security454/9€5k€0▼
Other amounts payable47/48€65k€60k▼
Accrued charges and deferred income492/3€8k€11k▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€65k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€0-
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A€373€0▼
Gross operating margin9900€-13k€-10k▲
Operating profit (loss)9901€-19k€-78k▼
Financial income75/76B€25k€48k▲
Recurring financial income75€25k€48k▲
Non-recurring financial income76B€0-
Financial charges65/66B€5k€5k▼
Recurring financial charges65€5k€5k▼
Profit (loss) for the period before taxes9903€944€-35k▼
Transfer from deferred taxes780-€7k
Transfer to deferred taxes680€0-
Income taxes67/77€757€131▼
Profit (loss) for the period9904€187€-28k▼
Transfer from tax-exempt reserves789€3k€23k▲
Transfer to tax-exempt reserves689€0-
Profit (loss) for the period to be appropriated9905€4k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€189k€183k▼
Profit (loss) brought forward from the previous period14P€185k€188k▲
Transfer from equity791/2€301€0▼
Transfer to equity691/2€0-
To the legal reserve6920€0-
To other reserves6921€0-
Profit to be distributed694/7€859€0▼
Return on contributions (dividend)694€859€0▼
Directors or managers695€0-
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
21-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €-28k ▼15260%
Net result drops to €-28k, the lowest in the series.
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Liquidity doublescurrent ratio 14.09
Current ratio from 6.04 to 14.09; short-term debt falls from €194k to €75k.
12-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Back to profitnet €867k
Net result €867k after one loss-making year.
30-09
Financial
Liquidity times 7current ratio 6.04
Current ratio from 0.89 to 6.04; short-term debt falls from €271k to €194k.
30-09
Financial
Equity above €1MEq €1.00M ▲387%
Equity rises from €206k to €1.00M.
20-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
14-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
28-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
19-03
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
27-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Geraardsbergen · 1 establishment unit since 1988
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.
Resteleustraat(Ove) 229500 GeraardsbergenGround area
2,013 m²
Building footprint
139 m²
Volume, LiDAR
741 m³
Parcel 41056B0400/00R000, Flanders · tallest building 6.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Resteleustraat(Ove) 22, 9500 Geraardsbergen
since 19882.029.381.045
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41056B0400/00R000 | Flanders | 2,013 m² | 1 · 139 m² | 6.5 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 82,241 companies in sector 70200 we hold annual accounts for 52,391. 28,041 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-06-1987
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 37 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.