AFTER JULY
ActiveAFTER JULY has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €28k and a net result of €-16k. Equity is growing by ~14.9% per year across the filed fiscal years. Its solvency ranks better than 53% of 7740 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-21
Solvency79▼-4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.69 against 2.1 in 2024; short-term debt: 33.1% and cash: 7.8% of total assets), and 45.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
54.4%
Return on assets
-31.1%
Age of the figures
9 mo
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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year €-16k
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 08-07-2026, 23 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
23 d early
2024
43 d early
2023
48 d early
2022
35 d early
2021
26 d early
2020
18 d early
2019
90 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-16k▼ 192%
2024 · €-5k
2019: €2k
2020: €5k
2021: €-170
2022: €7k
2023: €15k
2024: €-5k
2019 → 2025
Working capital
€12k▼ 59.4%
2024 · €29k
2019: €22k
2020: €20k
2021: €25k
2022: €40k
2023: €42k
2024: €29k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€27k-€34k▲ 27.7%€49k▲ 42.8%€44k▼ 11.1%€28k▼ 36.3%
Operating result€3k-€13k▲ 326%€19k▲ 49.0%€-4k€-17k▼ 370%
Net result€-170-€7k€15k▲ 97.1%€-5k€-16k▼ 192%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €17k in 2025 against €4k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €51k
Fixed assets
€23k▲ 13.7%
Current assets
€29k▼ 48.0%
Equity and liabilities €51k
Equity
€28k▼ 36.3%
Debt
€23k▼ 25.2%
The debt ratio rises from 41.6% to 45.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-9k▼
2024 · €2k
Cash flow
€-8k▼
2024 · €488
Solvency
54.4%▼
2024 · 58.4%
Current ratio
1.69▼
2024 · 2.10
Quick ratio
1.69▼
2024 · 2.10
Debt / equity
0.84▲
2024 · 0.71
ROE
-57.1%▼
2024 · -12.5%
ROA
-31.1%▼
2024 · -7.3%
Interest coverage
-14.55▼
2024 · 1.33
Debt
€23k▼
2024 · €31k
Debt ≤ 1 year
€17k▼
2024 · €26k
Debt > 1 year
€6k▲
2024 · €5k
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€75k€51k▼
Fixed assets21/28€20k€23k▲
Tangible fixed assets22/27€20k€23k▲
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€16k€9k▼
Leasing and similar rights25-€10k
Current assets29/58€55k€29k▼
Amounts receivable within one year40/41€37k€25k▼
Trade receivables40€20k€15k▼
Other amounts receivable41€17k€10k▼
Cash at bank and in hand54/58€18k€4k▼
Deferred charges and accrued income490/1€70-
Equity and liabilities
Total equity and liabilities10/49€75k€51k▼
Equity10/15€44k€28k▼
Contributions10/11€20k€20k=
Profit (loss) carried forward14€24k€8k▼
Amounts payable17/49€31k€23k▼
Amounts payable after more than one year17€5k€6k▲
Financial debts170/4€5k€6k▲
Amounts payable within one year42/48€26k€17k▼
Current portion of amounts payable after more than one year42€3k€9k▲
Trade debts44€14k€8k▼
Suppliers440/4€14k€8k▼
Taxes, remuneration and social security45€9k€64▼
Taxes450/3€9k€64▼
Other amounts payable47/48€88€6▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€8k▲
Other operating charges640/8€3k€209▼
Gross operating margin9900€5k€-9k▼
Operating profit (loss)9901€-4k€-17k▼
Financial income75/76B-€2k
Recurring financial income75-€2k
Financial charges65/66B€2k€638▼
Recurring financial charges65€2k€638▼
Profit (loss) for the period before taxes9903€-5k€-16k▼
Income taxes67/77€65-
Profit (loss) for the period9904€-5k€-16k▼
Profit (loss) for the period to be appropriated9905€-5k€-16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€24k€8k▼
Profit (loss) brought forward from the previous period14P€29k€24k▼
The notes to these accounts (7 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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-16k
Net result drops to €-16k, the lowest in the series.
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2019net €15k ▲97.1%
Operating result €19k, net result €15k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 2.99
Current ratio from 1.44 to 2.99; short-term debt falls from €90k to €21k.
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 90 days late
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, Waterloo · 2 establishment units since 2018
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.
Avenue des Libellules 91410 WaterlooGround area
1,388 m²
Building footprint
284 m²
Volume, LiDAR
1,919 m³
2 parcels, Brussels, Wallonia · tallest building 9.9 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
AFTER JULY
since 20182.279.659.257
J.B. Bauwensstraat 1, 1140 Evere
since 20192.296.064.927
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25110S0026/02F008 | Wallonia | 1,145 m² | 1 · 178 m² | 7.5 m · 2 fl. |
| 21524C0226/00E002 | Brussels | 242 m² | 1 · 106 m² | 9.9 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 4,572 companies in sector 82300 we hold annual accounts for 1,671. 1,188 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-08-2018
Fiscal year end31-12
Activities, NACEBEL
82300Organisation of conventions and trade shows
13300Finishing of textiles
18120Other printing
62010Computer programming, consultancy and related activities
62020IT consultancy
62100Computer programming
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73110Advertising agencies
73300Public relations and communication consultancy
93199Other sports activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.