Appstract
ActiveAppstract has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €232k and a net result of €79k. Equity remains stable across the filed fiscal years (±1.5% per year). Its solvency ranks better than 53% of 16759 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
98
/ 100
Excellent▲ +5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency99▼-1
Growth58▼-20
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 2.09 against 2.93 in 2024), and 37.1% 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 62
Relative position
BE, all sectors
reference
Sector 62
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
62.9%
Return on assets
21.5%
Age of the figures
11 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 23-03-2026, 38 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
38 d early
2024
139 d early
2023
112 d early
2022
37 d early
2021
96 d early
2020
50 d early
2019
34 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
08-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€232k▼ 8.4%
2024 · €253k
2018: €233k
2019: €213k
2020: €206k
2021: €214k
2022: €181k
2023: €226k
2024: €253k
2018 → 2025
Total assets
€369k▲ 2.6%
2024 · €359k
2018: €311k
2019: €255k
2020: €270k
2021: €371k
2022: €335k
2023: €343k
2024: €359k
2018 → 2025
Net result
€79k▲ 12.9%
2024 · €70k
2018: €57k
2019: €65k
2020: €51k
2021: €69k
2022: €43k
2023: €82k
2024: €70k
2018 → 2025
Working capital
€149k▼ 10.9%
2024 · €167k
2018: €120k
2019: €100k
2020: €110k
2021: €110k
2022: €79k
2023: €130k
2024: €167k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€214k-€181k▼ 15.4%€226k▲ 25.3%€253k▲ 11.9%€232k▼ 8.4%
Operating result€86k-€58k▼ 32.7%€117k▲ 102%€101k▼ 13.5%€112k▲ 10.5%
Net result€69k-€43k▼ 38.4%€82k▲ 93.1%€70k▼ 14.9%€79k▲ 12.9%
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 11% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €369k
Fixed assets
€83k▼ 21.4%
Current assets
€285k▲ 12.7%
Equity and liabilities €369k
Equity
€232k▼ 8.4%
Debt
€137k▲ 29.2%
The debt ratio rises from 29.5% to 37.1%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€143k▲
2024 · €131k
Cash flow
€110k▲
2024 · €101k
Solvency
62.9%▼
2024 · 70.5%
Current ratio
2.09▼
2024 · 2.93
Quick ratio
2.09▼
2024 · 2.93
Debt / equity
0.59▲
2024 · 0.42
ROE
34.1%▲
2024 · 27.7%
ROA
21.5%▲
2024 · 19.5%
Interest coverage
289.91▲
2024 · 74.86
Debt
€137k▲
2024 · €106k
Debt ≤ 1 year
€137k▲
2024 · €86k
Income taxes
€34k▲
2024 · €31k
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€359k€369k▲
Fixed assets21/28€106k€83k▼
Tangible fixed assets22/27€106k€83k▼
Land and buildings22€65k€56k▼
Furniture and vehicles24€42k€24k▼
Other tangible fixed assets26-€4k
Current assets29/58€253k€285k▲
Amounts receivable within one year40/41€27k€117k▲
Trade receivables40€26k€25k▼
Other amounts receivable41€1k€93k▲
Current investments50/53€37k€45k▲
Cash at bank and in hand54/58€187k€121k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€359k€369k▲
Equity10/15€253k€232k▼
Contributions10/11€200€200=
Reserves13€253k€232k▼
Distributable reserves133€253k€232k▼
Amounts payable17/49€106k€137k▲
Amounts payable after more than one year17€18k-
Financial debts170/4€18k-
Amounts payable within one year42/48€86k€137k▲
Current portion of amounts payable after more than one year42€18k€18k▲
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Taxes, remuneration and social security45€11k€14k▲
Taxes450/3€11k€14k▲
Other amounts payable47/48€54k€101k▲
Accrued charges and deferred income492/3€1k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€31k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€133k€144k▲
Operating profit (loss)9901€101k€112k▲
Financial income75/76B€2k€2k▲
Recurring financial income75€584€2k▲
Non-recurring financial income76B€1k-
Financial charges65/66B€2k€492▼
Recurring financial charges65€2k€492▼
Profit (loss) for the period before taxes9903€101k€113k▲
Income taxes67/77€31k€34k▲
Profit (loss) for the period9904€70k€79k▲
Profit (loss) for the period to be appropriated9905€70k€79k▲
Appropriation of the result
Profit (loss) to be appropriated9906€70k€79k▲
Transfer from equity791/2€43k€101k▲
Transfer to equity691/2€70k€79k▲
To other reserves6921€70k€79k▲
Profit to be distributed694/7€43k€101k▲
Return on contributions (dividend)694€43k€101k▲
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
23-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
12-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
09-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Highest result since 2018net €82k ▲93.1%
Operating result €117k, net result €82k, both a record.
30-09
Financial
Equity above €200kEq €226k ▲25.3%
6 profitable years in a row build equity to €226k.
24-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Weakest financial yearnet €43k ▼38.4%
Net result drops to €43k, the lowest in the series; recovery starts the following year.
24-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
11-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
18-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-04
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.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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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, Rijkevorsel · 1 establishment unit since 2008
Ground area
707 m²
Building footprint
137 m²
Volume, LiDAR
1,159 m³
Parcel 13037H0141/00S000, Flanders · tallest building 11.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
APPSTRACT
since 20082.170.703.810
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13037H0141/00S000 | Flanders | 707 m² | 1 · 137 m² | 11.5 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.
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Of 16,798 companies in sector 62100 we hold annual accounts for 8,744. 6,413 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-04-2008
Fiscal year end30-09
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
43320Joinery installation
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 08-09-2026. Scores and ratios are computed by Checked and are not a credit decision.