ADOPTED BY
ActiveADOPTED BY has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €61k and a net result of €25k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 68% of 11257 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+9
Solvency89▼-2
Growth78=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 2.76 against 2.83 in 2024; short-term debt: 35.9% and cash: 17.6% of total assets), and 35.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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
64.1%
Return on assets
26.6%
Age of the figures
9 mo
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 · 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 €61k
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 · 10 filingsDeviation from the deadline
2025
3 d early
2024
4 d early
2023
16 d early
2022
11 d early
2021
30 d early
2020
5 d late
2019
51 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€61k▲ 70.9%
2024 · €36k
2018: €-11k
2019: €-13k
2020: €-14k
2021: €-7k
2022: €14k
2023: €26k
2024: €36k
2018 → 2025
Total assets
€95k▲ 76.8%
2024 · €54k
2018: €25k
2019: €17k
2020: €10k
2021: €15k
2022: €23k
2023: €50k
2024: €54k
2018 → 2025
Net result
€25k▲ 169%
2024 · €9k
2018: €-1k
2019: €-2k
2020: €-1k
2021: €7k
2022: €21k
2023: €12k
2024: €9k
2018 → 2025
Working capital
€60k▲ 81.1%
2024 · €33k
2018: €-11k
2019: €-12k
2020: €-14k
2021: €-7k
2022: €12k
2023: €24k
2024: €33k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-7k-€14k€26k▲ 91.1%€36k▲ 35.9%€61k▲ 70.9%
Operating result€7k-€22k▲ 231%€16k▼ 27.1%€11k▼ 30.2%€30k▲ 168%
Net result€7k-€21k▲ 217%€12k▼ 40.5%€9k▼ 24.8%€25k▲ 169%
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 168% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €95k
Fixed assets
€1k▼ 60.9%
Current assets
€94k▲ 83.7%
Equity and liabilities €95k
Equity
€61k▲ 70.9%
Debt
€34k▲ 88.3%
The debt ratio rises from 33.7% to 35.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€32k▲
2024 · €13k
Cash flow
€27k▲
2024 · €11k
Solvency
64.1%▼
2024 · 66.3%
Current ratio
2.76▼
2024 · 2.83
Quick ratio
2.76▼
2024 · 2.83
Debt / equity
0.56▲
2024 · 0.51
ROE
41.5%▲
2024 · 26.4%
ROA
26.6%▲
2024 · 17.5%
Interest coverage
48.08▼
2024 · 94.89
Debt
€34k▲
2024 · €18k
Debt ≤ 1 year
€34k▲
2024 · €18k
Income taxes
€7k▲
2024 · €3k
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€54k€95k▲
Fixed assets21/28€3k€1k▼
Tangible fixed assets22/27€3k€1k▼
Furniture and vehicles24€3k€1k▼
Current assets29/58€51k€94k▲
Amounts receivable within one year40/41€29k€76k▲
Trade receivables40€209€9k▲
Other amounts receivable41€29k€67k▲
Cash at bank and in hand54/58€22k€17k▼
Deferred charges and accrued income490/1€0€1k▲
Equity and liabilities
Total equity and liabilities10/49€54k€95k▲
Equity10/15€36k€61k▲
Contributions10/11€20k€20k=
Profit (loss) carried forward14€16k€41k▲
Amounts payable17/49€18k€34k▲
Amounts payable within one year42/48€18k€34k▲
Trade debts44€4k€17k▲
Suppliers440/4€4k€17k▲
Taxes, remuneration and social security45€2k€10k▲
Taxes450/3€0€10k▲
Remuneration and social security454/9€2k€0▼
Other amounts payable47/48€12k€7k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€387€400▲
Gross operating margin9900€13k€32k▲
Operating profit (loss)9901€11k€30k▲
Financial income75/76B€987€2k▲
Recurring financial income75€987€2k▲
Financial charges65/66B€138€664▲
Recurring financial charges65€138€664▲
Profit (loss) for the period before taxes9903€12k€32k▲
Income taxes67/77€3k€7k▲
Profit (loss) for the period9904€9k€25k▲
Profit (loss) for the period to be appropriated9905€9k€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€41k▲
Profit (loss) brought forward from the previous period14P€6k€16k▲
The notes to these accounts (13 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
31-12
Financial
Highest result since 2018net €25k ▲169%
Operating result €30k, net result €25k, both a record.
27-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity triplescurrent ratio 2.32
Current ratio from 0.68 to 2.32; short-term debt falls from €23k to €9k.
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €7k
Net result €7k after 3 loss-making years.
05-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 5 days late
2020
10-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-2k
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Ukkel · 1 establishment unit since 2013
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.
Victor Allardstraat 1941180 UkkelGround area
248 m²
Building footprint
68 m²
Volume, LiDAR
747 m³
Parcel 21616A0043/00K002, Brussels · tallest building 13.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Victor Allardstraat 194, 1180 Ukkel
since 20132.218.605.081
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21616A0043/00K002 | Brussels | 248 m² | 1 · 67 m² | 13.6 m · 4 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
A.M.G.
BE 0472.620.523
Anderlecht · Eq €61k
VERTIGO
BE 0427.071.501
Lievegem · Eq €60k
NATINI
BE 0761.728.627
Kortrijk · Eq €61k
DOMALE SERVICES
BE 1011.755.926
Grez-Doiceau · Eq €62k
FASHION-PROOF
BE 0548.900.432
Antwerpen · Eq €60k
Of 1,312 companies in sector 46423 we hold annual accounts for 813. 540 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-04-2013
Fiscal year end31-12
Activities, NACEBEL
46423Wholesale of clothing, excluding workwear and underwear
46422Wholesale trade
46424Wholesale trade
46425Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.