AdFrame
ActiveAdFrame has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €22k and a net result of €26k. Equity is growing by ~18.9% per year across the filed fiscal years. Its solvency ranks better than 58% of 6848 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
100
/ 100
Excellent▲ +93 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency99▲+66
Growth78▲+46
Stability94
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 2.54 against 0.24 in 2024), and 36.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 · 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
63.3%
Return on assets
75.2%
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 05-06-2026, 56 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
56 d early
2024
42 d early
2023
55 d early
2022
38 d early
2021
23 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
07-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€22k
2024 · €-4k
2021: €3k
2022: €3k
2023: €4k
2024: €-4k
2021 → 2025
Total assets
€35k▲ 720%
2024 · €4k
2021: €14k
2022: €8k
2023: €7k
2024: €4k
2021 → 2025
Net result
€26k
2024 · €-8k
2021: €818
2022: €-113
2023: €964
2024: €-8k
2021 → 2025
Working capital
€20k
2024 · €-6k
2021: €-5k
2022: €-341
2023: €142
2024: €-6k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3k-€3k▼ 4.0%€4k▲ 35.6%€-4k€22k
Operating result€2k-€546▼ 71.6%€2k▲ 232%€-7k€34k
Net result€818-€-113€964€-8k€26k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €34k after a loss of €7k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €35k
Fixed assets
€2k▲ 1.1%
Current assets
€33k▲ 1,534%
Equity and liabilities €35k
Equity
€22k
Debt
€13k
Debt finances 36.7% of the balance-sheet total.
Key figures and ratios
EBITDA
€35k▲
2024 · €-6k
Cash flow
€28k▲
2024 · €-7k
Solvency
63.3%▲
2024 · -97.6%
Current ratio
2.54▲
2024 · 0.24
Quick ratio
2.54▲
2024 · 0.24
Debt / equity
0.58▲
2024 · -2.03
ROE
118.8%▼
2024 · 188.2%
ROA
75.2%▲
2024 · -183.6%
Interest coverage
59.14▲
2024 · -5.57
Debt
€13k▲
2024 · €8k
Debt ≤ 1 year
€13k▲
2024 · €8k
Income taxes
€8k▲
2024 · €0
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
Total assets20/58€4k€35k▲
Fixed assets21/28€2k€2k▲
Intangible fixed assets21€0-
Tangible fixed assets22/27€2k€2k▲
Current assets29/58€2k€33k▲
Amounts receivable within one year40/41€2k€12k▲
Cash & bank54/58€340€20k▲
Total equity & liabilities10/49€4k€35k▲
Equity10/15€-4k€22k▲
Contributions / capital10/11€2k€2k=
Accumulated profits (losses)14€-6k€20k▲
Amounts payable17/49€8k€13k▲
Amounts payable within one year42/48€8k€13k▲
Trade debts payable within one year44€2k€3k▲
Income statement
Code20242025
Gross operating margin9900€-5k€36k▲
Operating result9901€-7k€34k▲
Financial income75€26€2k▲
Financial charges65€1k€593▼
Result before taxes9903€-8k€35k▲
Income taxes67/77€0€8k▲
Net result for the period9904€-8k€26k▲
Result to be appropriated9905€-8k€26k▲
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €26k
Net result €26k after one loss-making year.
31-12
Financial
Liquidity times 11current ratio 2.54
Current ratio from 0.24 to 2.54.
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-8k ▼912%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
06-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €964
Net result €964 after one loss-making year.
31-08
State Gazette act
Registered-office change
Alicia Lecluyse
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
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Of 9,802 companies in sector 73110 we hold annual accounts for 3,628. 2,569 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-09-2020
Fiscal year end31-12
Activities, NACEBEL
73110Advertising agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 18-07-2026. Scores and ratios are computed by Checked and are not a credit decision.