as if
Activeas if has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €108k and a net result of €87k. Its solvency ranks better than 61% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
94
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+7
Solvency92▲+41
Growth78
Track record82
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days only on tighter terms
Liquidity ample (current ratio 4.93 against 1.43 in 2024; short-term debt: 15.2% and cash: 47.2% of total assets), and 33.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
66.7%
Return on assets
54%
Age of the figures
9 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 31-07-2026, 0 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
on the day
2024
4 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€108k▲ 428%
2024 · €20k
2024: €20k
2024 → 2025
Total assets
€162k▲ 106%
2024 · €79k
2024: €79k
2024 → 2025
Net result
€87k▲ 468%
2024 · €15k
2024: €15k
2024 → 2025
Working capital
€96k▲ 1,083%
2024 · €8k
2024: €8k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€20k-€108k▲ 428%
Operating result€20k-€112k▲ 465%
Net result€15k-€87k▲ 468%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 465% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €162k
Fixed assets
€41k▼ 20.9%
Current assets
€121k▲ 348%
Equity and liabilities €162k
Equity
€108k▲ 428%
Debt
€54k▼ 7.4%
The debt ratio falls from 74.1% to 33.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€123k▲
2024 · €22k
Cash flow
€98k▲
2024 · €18k
Solvency
66.7%▲
2024 · 25.9%
Current ratio
4.93▲
2024 · 1.43
Quick ratio
4.93▲
2024 · 1.43
Debt / equity
0.50▼
2024 · 2.85
ROE
81.1%▲
2024 · 75.5%
ROA
54.0%▲
2024 · 19.6%
Interest coverage
70.53▲
2024 · 46.96
Debt
€54k▼
2024 · €58k
Debt ≤ 1 year
€24k▲
2024 · €19k
Debt > 1 year
€29k▼
2024 · €39k
Income taxes
€24k▲
2024 · €4k
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€79k€162k▲
Fixed assets21/28€52k€41k▼
Tangible fixed assets22/27€52k€41k▼
Furniture and vehicles24€52k€41k▼
Current assets29/58€27k€121k▲
Amounts receivable within one year40/41€14k€43k▲
Trade receivables40€14k€15k▲
Other amounts receivable41-€28k
Cash at bank and in hand54/58€13k€76k▲
Deferred charges and accrued income490/1€3€2k▲
Equity and liabilities
Total equity and liabilities10/49€79k€162k▲
Equity10/15€20k€108k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€15k€103k▲
Amounts payable17/49€58k€54k▼
Amounts payable after more than one year17€39k€29k▼
Financial debts170/4€39k€29k▼
Amounts payable within one year42/48€19k€24k▲
Current portion of amounts payable after more than one year42€9k€10k▲
Trade debts44€53€999▲
Suppliers440/4€53€999▲
Taxes, remuneration and social security45€5k€14k▲
Taxes450/3€5k€14k▲
Other amounts payable47/48€4k-
Accrued charges and deferred income492/3€320-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€11k▲
Other operating charges640/8€162€287▲
Gross operating margin9900€22k€123k▲
Operating profit (loss)9901€20k€112k▲
Financial income75/76B-€684
Recurring financial income75-€684
Financial charges65/66B€472€2k▲
Recurring financial charges65€472€2k▲
Profit (loss) for the period before taxes9903€19k€111k▲
Income taxes67/77€4k€24k▲
Profit (loss) for the period9904€15k€87k▲
Profit (loss) for the period to be appropriated9905€15k€87k▲
Appropriation of the result
Profit (loss) to be appropriated9906€15k€103k▲
Profit (loss) brought forward from the previous period14P-€15k
The notes to these accounts (5 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity triplescurrent ratio 4.93
Current ratio from 1.43 to 4.93.
31-12
Financial
Equity above €100kEq €108k ▲428%
2 profitable years in a row build equity to €108k.
04-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Dalhem · 1 establishment unit since 2024
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.
Rue Marnières(NEU) 214608 DalhemGround area
527 m²
Building footprint
139 m²
Volume, LiDAR
1,159 m³
Parcel 63055A0529/00E000, Wallonia · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
as if
since 20242.367.107.331
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63055A0529/00E000 | Wallonia | 527 m² | 1 · 139 m² | 10.4 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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REMAKO CONSULT
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Gardisto
BE 0800.052.832
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SALUD
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 40,702 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-10-2024
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.