AU POINT
ActiveSummary
AU POINT has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €552k and a net result of €216k. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 67% of 2179 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability96▲+56
Solvency80▲+13
Growth38▲+3
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 2.87 against 0.55 in 2024; short-term debt: 27% and cash: 21.1% of total assets), and 44.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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
55.3%
Return on assets
21.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
26 d late
2024
27 d late
2023
29 d late
2022
57 d late
2021
10 d late
2020
46 d early
2019
31 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€965k▲ 9.9%
2019 · €878k
2018: €1.61M
2019: €878k
2018 → 2020
EBIT margin
6.5%▲ 1.1pp
2019 · 5.4%
2018: 8.3%
2019: 5.4%
2018 → 2020
Net result
€216k
2024 · €-3k
2018: €52k
2019: €-4k
2020: €5k
2021: €46k
2022: €27k
2023: €-16k
2024: €-3k
2018 → 2025
Working capital
€503k
2024 · €-180k
2018: €625k
2019: €243k
2020: €226k
2021: €3k
2022: €-112k
2023: €-168k
2024: €-180k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€590k-€612k▲ 3.7%€591k▼ 3.5%€583k▼ 1.3%€552k▼ 5.3%
Operating result€106k-€69k▼ 35.0%€9k▼ 87.5%€35k▲ 299%€356k▲ 931%
Net result€46k-€27k▼ 42.3%€-16k€-3k▲ 80.1%€216k
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 931% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €998k
Fixed assets
€226k ▼ 80.7%
Current assets
€772k ▲ 255%
Equity and liabilities €998k
Equity
€552k ▼ 5.3%
Provisions
€94k ▲ 902%
Debt
€352k ▼ 55.6%
Debt's share of the balance-sheet total falls from 57.2% to 35.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€368k▲
2024 · €91k
Cash flow
€228k▲
2024 · €53k
Current ratio
2.87▲
2024 · 0.55
Debt to equity
0.64▼
2024 · 1.36
ROE
39.2%▲
2024 · -0.6%
ROA
21.7%▲
2024 · -0.2%
Interest coverage
6.69▲
2024 · 2.64
Debt ≤ 1 year
€269k▼
2024 · €397k
Debt > 1 year
€82k▼
2024 · €380k
Income taxes
€3k▼
2024 · €6k
Staff costs
€1k▼
2024 · €16k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 61 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.38M€998k▼
Fixed assets21/28€1.17M€226k▼
Tangible fixed assets22/27€1.17M€226k▼
Land and buildings22€1.16M€222k▼
Plant, machinery and equipment23€352€48▼
Furniture and vehicles24€4k€3k▼
Leasing and similar rights25-€926
Current assets29/58€217k€772k▲
Amounts receivable within one year40/41€213k€526k▲
Trade receivables40€155k€271k▲
Other amounts receivable41€58k€255k▲
Cash at bank and in hand54/58€183€211k▲
Deferred charges and accrued income490/1€5k€35k▲
Equity and liabilities
Total equity and liabilities10/49€1.38M€998k▼
Equity10/15€583k€552k▼
Contributions10/11€19k€19k=
Reserves13€435k€490k▲
Tax-exempt reserves132€72k€327k▲
Distributable reserves133€363k€163k▼
Profit (loss) carried forward14€82k€44k▼
Investment grants15€47k-
Provisions and deferred taxes16€9k€94k▲
Deferred taxes168€9k€94k▲
Amounts payable17/49€791k€352k▼
Amounts payable after more than one year17€380k€82k▼
Financial debts170/4€255k-
Other amounts payable178/9€125k€82k▼
Amounts payable within one year42/48€397k€269k▼
Current portion of amounts payable after more than one year42€75k-
Financial debts43€102k-
Credit institutions430/8€102k-
Trade debts44€81k€68k▼
Suppliers440/4€81k€68k▼
Taxes, remuneration and social security45€8k€765▼
Taxes450/3€7k€765▼
Remuneration and social security454/9€1k-
Other amounts payable47/48€131k€200k▲
Accrued charges and deferred income492/3€14k-
Income statement
Code20242025
Remuneration, social security and pensions62€16k€1k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€57k€12k▼
Other operating charges640/8€20k€50k▲
Gross operating margin9900€127k€419k▲
Operating profit (loss)9901€35k€356k▲
Financial income75/76B€394€3k▲
Recurring financial income75€394€3k▲
Financial charges65/66B€35k€55k▲
Recurring financial charges65€35k€55k▲
Profit (loss) for the period before taxes9903€359€304k▲
Transfer from deferred taxes780€2k€9k▲
Transfer to deferred taxes680-€94k
Income taxes67/77€6k€3k▼
Profit (loss) for the period9904€-3k€216k▲
Transfer from tax-exempt reserves789€6k€28k▲
Transfer to tax-exempt reserves689-€283k
Profit (loss) for the period to be appropriated9905€2k€-38k▼
Appropriation of the result
Profit (loss) to be appropriated9906€82k€44k▼
Profit (loss) brought forward from the previous period14P€79k€82k▲
Transfer from equity791/2-€200k
Profit to be distributed694/7-€200k
Return on contributions (dividend)694-€200k
Social balance
Average headcount (FTE)90871.0-
The notes to these accounts (8 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 26 days late
2025
31-12
Financial
Back to profitnet €216k
Net result €216k after 2 loss-making years.
31-12
Financial
Liquidity times 5current ratio 2.87
Current ratio from 0.55 to 2.87; short-term debt falls from €397k to €269k.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 27 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €-16k ▼162%
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
26-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 57 days late
2022
10-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 10 days late
2021
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
23-06
NBB filing
Annual accounts filed
fiscal year 2016 · full 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, Braine-l'Alleud · 1 establishment unit since 1988
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.
Chaussée de Tubize 4791420 Braine-l'AlleudGround area
3,041 m²
Building footprint
612 m²
Volume, LiDAR
3,220 m³
Parcel 25743G0160/00D000, Wallonia · tallest building 6.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Chaussée de Tubize 479, 1420 Braine-l'Alleud
since 19882.040.996.794
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25743G0160/00D000 | Wallonia | 3,041 m² | 1 · 612 m² | 6.1 m · 2 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
Maesbouw
BE 0460.512.448
Alken · Eq €551,898
BOUWONDERNEMING MICHIELS
BE 0438.151.176
Heist-op-den-Berg · Eq €551,711
ALGEMENE BOUWONDERNEMING VERSTRAETEN
BE 0416.031.119
Tielt-Winge · Eq €552,676
Faccader
BE 0785.857.178
Willebroek · Eq €551,562
DERITO QUALITY
BE 0478.559.396
Geraardsbergen · Eq €552,813
Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 8,836 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-08-1988
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.