ADAPT2IMPROVE
ActiveADAPT2IMPROVE has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €69k and a net result of €28k. Equity is growing by ~42.1% per year across the filed fiscal years. Its solvency ranks better than 62% of 16527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
95
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency99▼-1
Growth78=
Track record94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 3.61 against 7.47 in 2024; short-term debt: 25.7% and cash: 91.2% of total assets), and 25.7% 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+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
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 · 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
74.3%
Return on assets
29.8%
Age of the figures
9 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 02-04-2026, 120 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
120 d early
2024
9 d early
2023
8 d late
2022
41 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€69k▲ 12.7%
2024 · €62k
2022: €25k
2023: €34k
2024: €62k
2022 → 2025
Total assets
€94k▲ 32.5%
2024 · €71k
2022: €35k
2023: €39k
2024: €71k
2022 → 2025
Net result
€28k▼ 0.2%
2024 · €28k
2022: €22k
2023: €9k
2024: €28k
2022 → 2025
Working capital
€63k▲ 13.9%
2024 · €55k
2022: €22k
2023: €26k
2024: €55k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€25k-€34k▲ 35.3%€62k▲ 82.8%€69k▲ 12.7%
Operating result€28k-€11k▼ 60.6%€35k▲ 218%€35k▼ 0.4%
Net result€22k-€9k▼ 59.9%€28k▲ 218%€28k▼ 0.2%
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 0% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €94k
Fixed assets
€7k▼ 4.0%
Current assets
€87k▲ 36.4%
Equity and liabilities €94k
Equity
€69k▲ 12.7%
Debt
€24k▲ 168%
The debt ratio rises from 12.7% to 25.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€37k▼
2024 · €37k
Cash flow
€30k=
2024 · €30k
Solvency
74.3%▼
2024 · 87.3%
Current ratio
3.61▼
2024 · 7.47
Quick ratio
3.61▼
2024 · 7.47
Debt / equity
0.35▲
2024 · 0.15
ROE
40.1%▼
2024 · 45.3%
ROA
29.8%▼
2024 · 39.5%
Interest coverage
520.95▲
2024 · 462.85
Debt
€24k▲
2024 · €9k
Debt ≤ 1 year
€24k▲
2024 · €9k
Income taxes
€7k▼
2024 · €7k
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€71k€94k▲
Fixed assets21/28€7k€7k▼
Tangible fixed assets22/27€5k€5k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€2k€2k▲
Financial fixed assets28€2k€2k=
Current assets29/58€64k€87k▲
Amounts receivable within one year40/41-€1k
Other amounts receivable41-€1k
Cash at bank and in hand54/58€63k€85k▲
Deferred charges and accrued income490/1€181€112▼
Equity and liabilities
Total equity and liabilities10/49€71k€94k▲
Equity10/15€62k€69k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€59k€66k▲
Amounts payable17/49€9k€24k▲
Amounts payable within one year42/48€9k€24k▲
Trade debts44€37€2k▲
Suppliers440/4€37€2k▲
Taxes, remuneration and social security45€8k€2k▼
Taxes450/3€7k€447▼
Remuneration and social security454/9€1k€2k▲
Other amounts payable47/48€44€20k▲
Accrued charges and deferred income492/3€467-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€39k€39k▲
Operating profit (loss)9901€35k€35k▼
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€80€71▼
Recurring financial charges65€80€71▼
Profit (loss) for the period before taxes9903€35k€35k▼
Income taxes67/77€7k€7k▼
Profit (loss) for the period9904€28k€28k▼
Profit (loss) for the period to be appropriated9905€28k€28k▼
Appropriation of the result
Profit (loss) to be appropriated9906€59k€86k▲
Profit (loss) brought forward from the previous period14P€31k€59k▲
Profit to be distributed694/7-€20k
Return on contributions (dividend)694-€20k
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
02-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €28k ▲218%
Operating result €35k, net result €28k, both a record.
08-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 8 days late
2023
31-12
Financial
Weakest financial yearnet €9k ▼59.9%
Net result drops to €9k, the lowest in the series; recovery starts the following year.
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro 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, Lebbeke · 1 establishment unit since 2022
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.
Brusselsesteenweg 86A9280 LebbekeGround area
760 m²
Building footprint
644 m²
Volume, LiDAR
5,246 m³
Parcel 42011B0330/02W000, Flanders · tallest building 13.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Brusselsesteenweg 86, 9280 Lebbeke
since 20222.330.164.880
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42011B0330/02W000 | Flanders | 760 m² | 1 · 644 m² | 13.0 m · 3 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 1,058 EUR awarded · 937 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 312 EUR | 312 EUR |
| 2024 | 1 | 182 EUR | 182 EUR |
| 2023 | 1 | 370 EUR | 249 EUR |
| 2022 | 1 | 194 EUR | 194 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,689 companies in sector 86951 we hold annual accounts for 2,142. 1,933 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-03-2022
Fiscal year end31-12
Activities, NACEBEL
86905Human health activities
86951Physiotherapy
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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:colsonkaren@hotmail.com