B & A
ActiveB & A has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €164k and a net result of €6k. Equity is growing by ~7.4% per year across the filed fiscal years. Its solvency ranks better than 71% of 26043 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability49▼-29
Solvency83▲+3
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 2.5 against 2.53 in 2023; short-term debt: 37.6% and cash: 46.9% of total assets), and 42.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-08-2025, 25 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 · 9 filingsDeviation from the deadline
2025
not confirmed
2024
25 d late
2023
24 d late
2022
53 d late
2021
52 d late
2020
27 d late
2019
60 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€293k
EBIT margin
5.6%
Net result
€6k▼ 69.1%
2023 · €20k
2018: €88k
2019: €3k
2020: €21k
2021: €7k
2022: €10k
2023: €20k
2018 → 2024
Working capital
€161k=
2023 · €161k
2018: €111k
2019: €120k
2020: €135k
2021: €152k
2022: €164k
2023: €161k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€293k-
Equity€131k-€138k▲ 5.2%€148k▲ 7.6%€158k▲ 6.8%€164k▲ 3.9%
Operating result€16k-€5k▼ 68.5%€8k▲ 50.0%€33k▲ 329%€15k▼ 55.4%
Net result€21k-€7k▼ 67.1%€10k▲ 54.1%€20k▲ 92.4%€6k▼ 69.1%
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 2024; 2024 is 55% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €286k
Fixed assets
€17k▼ 17.1%
Current assets
€268k▲ 1.0%
Equity and liabilities €286k
Equity
€164k▲ 3.9%
Debt
€121k▼ 5.6%
The debt ratio falls from 44.8% to 42.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€19k▼
2023 · €34k
Cash flow
€11k▼
2023 · €21k
Solvency
57.6%▲
2023 · 55.2%
Current ratio
2.50▼
2023 · 2.53
Quick ratio
2.05▼
2023 · 2.08
Debt / equity
0.74▼
2023 · 0.81
ROE
3.8%▼
2023 · 12.7%
ROA
2.2%▼
2023 · 7.0%
Interest coverage
3.34▼
2023 · 9.18
Debt
€121k▼
2023 · €128k
Debt ≤ 1 year
€108k▲
2023 · €105k
Debt > 1 year
€14k▼
2023 · €24k
Income taxes
€3k▼
2023 · €9k
Staff costs
€54k▲
2023 · €47k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€287k€286k▼
Fixed assets21/28€21k€17k▼
Tangible fixed assets22/27€21k€17k▼
Plant, machinery and equipment23-€834
Furniture and vehicles24€21k€17k▼
Current assets29/58€266k€268k▲
Stocks and contracts in progress3€48k€48k=
Stocks30/36€48k€48k=
Amounts receivable within one year40/41€118k€86k▼
Trade receivables40€1k-
Other amounts receivable41€117k€86k▼
Cash at bank and in hand54/58€100k€134k▲
Deferred charges and accrued income490/1€235€618▲
Equity and liabilities
Total equity and liabilities10/49€287k€286k▼
Equity10/15€158k€164k▲
Contributions10/11€6k€6k=
Outside capital11€6k€6k=
Other1109/19€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€150k€156k▲
Amounts payable17/49€128k€121k▼
Amounts payable after more than one year17€24k€14k▼
Financial debts170/4€24k€14k▼
Amounts payable within one year42/48€105k€108k▲
Current portion of amounts payable after more than one year42€15k€10k▼
Financial debts43€5k€15k▲
Credit institutions430/8€5k€15k▲
Trade debts44€47k€29k▼
Suppliers440/4€47k€29k▼
Taxes, remuneration and social security45€28k€54k▲
Taxes450/3€24k€38k▲
Remuneration and social security454/9€3k€16k▲
Other amounts payable47/48€10k-
Income statement
Code20232024
Remuneration, social security and pensions62€47k€54k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€5k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€83k€76k▼
Operating profit (loss)9901€33k€15k▼
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€4k€6k▲
Recurring financial charges65€4k€6k▲
Profit (loss) for the period before taxes9903€29k€9k▼
Income taxes67/77€9k€3k▼
Profit (loss) for the period9904€20k€6k▼
Profit (loss) for the period to be appropriated9905€20k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€160k€156k▼
Profit (loss) brought forward from the previous period14P€140k€150k▲
Profit to be distributed694/7€10k-
Directors or managers695€10k-
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
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
24-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 24 days late
2023
31-12
Financial
Equity above €150kEq €158k ▲6.8%
6 profitable years in a row build equity to €158k.
22-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 53 days late
2022
21-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 52 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 60 days late
2019
31-12
Financial
Weakest financial yearnet €3k ▼96.8%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
15-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 46 days late
2017
18-06
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.
Directors · office · real estate
Directors
7 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, Brugge · 1 establishment unit since 2015
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.
Noordzandstraat 928000 BruggeGround area
86 m²
Building footprint
83 m²
Volume, LiDAR
638 m³
Parcel 31804D1355/00_000, Flanders · tallest building 13.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ROYAL SHOP
since 20152.247.316.388
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31804D1355/00_000 | Flanders | 86 m² | 1 · 83 m² | 13.9 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBrugge2.247.316.388
Similar companies · same sector, comparable size
RS Astrid 27
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nec +
BE 0448.215.125
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DOGAL SEPET
BE 1002.566.660
Gent · Eq €165k
DD Retail
BE 0805.959.736
Kortemark · Eq €164k
FRELIJA
BE 0606.970.372
Bredene · Eq €164k
Of 10,524 companies in sector 47110 we hold annual accounts for 5,860. 4,385 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-09-2015
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47251Retail sale of wines and spirits
47252Retail sale of beverages, general range
47260Retail trade
47279Other retail sale of food
47299Retail trade
47789Other retail sale of new goods
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.