B.A.
ActiveSummary
B.A. has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €111k and a net result of €90k. Equity is growing by ~48.3% per year across the filed fiscal years. Its solvency ranks better than 84% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
96
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 6.59 against 11.8 in 2024; short-term debt: 14.7% and cash: 90.2% of total assets), and 14.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
85.3%
Return on assets
69.3%
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 28-08-2026, 28 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 · 5 filingsDeviation from the deadline
2025
28 d late
2024
28 d late
2023
29 d late
2022
29 d late
2021
6 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, micro schema
Equity
€111k▼ 53.5%
2024 · €238k
2021: €33k
2022: €84k
2023: €145k
2024: €238k
2021 → 2025
Total assets
€130k▼ 50.0%
2024 · €260k
2021: €42k
2022: €96k
2023: €173k
2024: €260k
2021 → 2025
Net result
€90k▼ 3.3%
2024 · €93k
2021: €30k
2022: €51k
2023: €61k
2024: €93k
2021 → 2025
Working capital
€107k▼ 53.9%
2024 · €232k
2021: €32k
2022: €73k
2023: €137k
2024: €232k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€33k-€84k▲ 154%€145k▲ 72.6%€238k▲ 64.2%€111k▼ 53.5%
Operating result€38k-€64k▲ 68.2%€78k▲ 22.3%€119k▲ 52.5%€113k▼ 5.1%
Net result€30k-€51k▲ 69.3%€61k▲ 19.8%€93k▲ 52.5%€90k▼ 3.3%
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 5% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €130k
Fixed assets
€4k ▼ 38.9%
Current assets
€126k ▼ 50.2%
Equity and liabilities €130k
Equity
€111k ▼ 53.5%
Debt
€19k ▼ 10.8%
Debt's share of the balance-sheet total rises from 8.3% to 14.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€116k▼
2024 · €122k
Cash flow
€93k▼
2024 · €96k
Current ratio
6.59▼
2024 · 11.80
Debt to equity
0.17▲
2024 · 0.09
ROE
81.3%▲
2024 · 39.1%
ROA
69.3%▲
2024 · 35.9%
Interest coverage
381.74▲
2024 · 95.67
Debt ≤ 1 year
€19k▼
2024 · €21k
Income taxes
€24k▼
2024 · €26k
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 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€260k€130k▼
Fixed assets21/28€6k€4k▼
Tangible fixed assets22/27€6k€4k▼
Land and buildings22€3k€1k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€2k€1k▼
Current assets29/58€254k€126k▼
Amounts receivable within one year40/41€870€778▼
Trade receivables40€870€778▼
Cash at bank and in hand54/58€253k€117k▼
Deferred charges and accrued income490/1-€8k
Equity and liabilities
Total equity and liabilities10/49€260k€130k▼
Equity10/15€238k€111k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€235k€108k▼
Amounts payable17/49€21k€19k▼
Amounts payable within one year42/48€21k€19k▼
Trade debts44€19k€10k▼
Suppliers440/4€19k€10k▼
Taxes, remuneration and social security45€3k€9k▲
Taxes450/3€3k€9k▲
Other amounts payable47/48€327€139▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k=
Other operating charges640/8€1k€120▼
Gross operating margin9900€123k€116k▼
Operating profit (loss)9901€119k€113k▼
Financial income75/76B€1k€1k▲
Recurring financial income75€1k€1k▲
Financial charges65/66B€1k€303▼
Recurring financial charges65€1k€303▼
Profit (loss) for the period before taxes9903€119k€114k▼
Income taxes67/77€26k€24k▼
Profit (loss) for the period9904€93k€90k▼
Profit (loss) for the period to be appropriated9905€93k€90k▼
Appropriation of the result
Profit (loss) to be appropriated9906€235k€326k▲
Profit (loss) brought forward from the previous period14P€142k€235k▲
Profit to be distributed694/7-€218k
Return on contributions (dividend)694-€218k
The notes to these accounts (4 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Highest result since 2021net €93k ▲52.5%
Operating result €119k, net result €93k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 11.80
Current ratio from 5.88 to 11.80; short-term debt falls from €28k to €21k.
31-12
Financial
Equity above €200kEq €238k ▲64.2%
4 profitable years in a row build equity to €238k.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Equity above €100kEq €145k ▲72.6%
3 profitable years in a row build equity to €145k.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
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, Genk · 1 establishment unit since 2021
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.
Annunciadenstraat 123600 GenkGround area
941 m²
Building footprint
184 m²
Volume, LiDAR
954 m³
Parcel 71303B0050/00H017, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
B.A.
since 20212.315.012.490
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71303B0050/00H017 | Flanders | 941 m² | 1 · 184 m² | 9.1 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 1,007 EUR awarded · 1,007 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 42 EUR | 42 EUR |
| 2024 | 1 | 177 EUR | 177 EUR |
| 2023 | 1 | 284 EUR | 284 EUR |
| 2022 | 1 | 504 EUR | 504 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 22,058 companies in sector 69101 we hold annual accounts for 9,052. 7,551 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
Founded25-02-2021
Fiscal year end31-12
Activities, NACEBEL 2025
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.