ARTICLE XXII
ActiveARTICLE XXII has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €45k and a net result of €18k. Its solvency ranks better than 68% of 31487 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
93
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+2
Growth52
Stability82
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 3.57 against 2.46 in 2024), and 27.4% 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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
72.6%
Return on assets
28.4%
Age of the figures
14 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 08-01-2026, 23 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
23 d early
2024
45 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close13-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€45k▲ 64.2%
2024 · €27k
2024: €27k
2024 → 2025
Total assets
€62k▲ 34.7%
2024 · €46k
2024: €46k
2024 → 2025
Net result
€18k▼ 30.7%
2024 · €25k
2024: €25k
2024 → 2025
Working capital
€44k▲ 60.4%
2024 · €27k
2024: €27k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€27k-€45k▲ 64.2%
Operating result€36k-€24k▼ 33.7%
Net result€25k-€18k▼ 30.7%
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 34% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €62k
Fixed assets
€1k▲ 610%
Current assets
€61k▲ 32.3%
Equity and liabilities €62k
Equity
€45k▲ 64.2%
Debt
€17k▼ 8.8%
The debt ratio falls from 40.5% to 27.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€24k▼
2024 · €36k
Cash flow
€18k▼
2024 · €25k
Solvency
72.6%▲
2024 · 59.5%
Current ratio
3.57▲
2024 · 2.46
Quick ratio
3.57▲
2024 · 2.46
Debt / equity
0.38▼
2024 · 0.68
ROE
39.1%▼
2024 · 92.7%
ROA
28.4%▼
2024 · 55.2%
Interest coverage
355.23▼
2024 · 2174.63
Debt
€17k▼
2024 · €19k
Debt ≤ 1 year
€17k▼
2024 · €19k
Income taxes
€6k▼
2024 · €10k
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€46k€62k▲
Fixed assets21/28€192€1k▲
Tangible fixed assets22/27€192€111▼
Plant, machinery and equipment23€192€111▼
Financial fixed assets28-€1k
Current assets29/58€46k€61k▲
Amounts receivable within one year40/41€587€31k▲
Trade receivables40-€12k
Other amounts receivable41€587€19k▲
Current investments50/53€45k€29k▼
Equity and liabilities
Total equity and liabilities10/49€46k€62k▲
Equity10/15€27k€45k▲
Contributions10/11€2k€2k=
Reserves13€25k€25k=
Distributable reserves133€25k€25k=
Profit (loss) carried forward14-€18k
Amounts payable17/49€19k€17k▼
Amounts payable within one year42/48€19k€17k▼
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€17k€15k▼
Taxes450/3€17k€12k▼
Remuneration and social security454/9-€3k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€51€81▲
Other operating charges640/8€484€507▲
Gross operating margin9900€36k€24k▼
Operating profit (loss)9901€36k€24k▼
Financial income75/76B€19€424▲
Recurring financial income75€19€424▲
Financial charges65/66B€17€67▲
Recurring financial charges65€17€67▲
Profit (loss) for the period before taxes9903€36k€24k▼
Income taxes67/77€10k€6k▼
Profit (loss) for the period9904€25k€18k▼
Profit (loss) for the period to be appropriated9905€25k€18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€25k€18k▼
Transfer to equity691/2€25k-
To other reserves6921€25k-
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
08-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
17-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
Directors · office · real estate
Directors
2 directors, no change since 2025
Dries Van Cauwenbergh
CurrentDirector · since 01-03-2025
27-05-2025
Marie Goossens: Resigned as Director
01-03-2025
Dries Van Cauwenbergh: Appointed as Director
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 2023
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.
Politeshofstraat 222018 AntwerpenGround area
70 m²
Building footprint
62 m²
Volume, LiDAR
519 m³
Parcel 11810K1935/00K002, Flanders · tallest building 11.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ARTICLE XXII
since 20232.350.261.104
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11810K1935/00K002 | Flanders | 70 m² | 1 · 62 m² | 11.9 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
2025 · 1 entry · 509 EUR awarded · 509 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 509 EUR | 509 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,395. 37,404 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-09-2023
Fiscal year end30-06
Activities, NACEBEL
69101Activities of lawyers
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.