B- DIRECT
ActiveB- DIRECT has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €186k and a net result of €115k. Equity is growing by ~9.7% per year across the filed fiscal years. Its solvency ranks better than 70% of 37971 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
93
/ 100
Excellent= vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+36
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 3.1 against 2.91 in 2023), and 24.9% 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○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 →
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 2024Solvency, return and age of the figures
Solvency
75.1%
Return on assets
46.3%
Age of the figures
20 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 07-07-2025, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
24 d early
2023
28 d early
2022
1 d late
2021
29 d late
2020
19 d late
2019
6 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€186k▲ 161%
2023 · €71k
2018: €48k
2019: €49k
2020: €52k
2021: €56k
2022: €62k
2023: €71k
2018 → 2024
Total assets
€248k▲ 128%
2023 · €109k
2018: €115k
2019: €85k
2020: €90k
2021: €95k
2022: €99k
2023: €109k
2018 → 2024
Net result
€115k▲ 1,161%
2023 · €9k
2018: €6k
2019: €2k
2020: €3k
2021: €5k
2022: €6k
2023: €9k
2018 → 2024
Working capital
€130k▲ 82.0%
2023 · €71k
2018: €48k
2019: €49k
2020: €52k
2021: €56k
2022: €62k
2023: €71k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€52k-€56k▲ 8.6%€62k▲ 10.3%€71k▲ 14.7%€186k▲ 161%
Operating result€5k-€8k▲ 77.8%€8k▲ 0.1%€13k▲ 58.6%€170k▲ 1,207%
Net result€3k-€5k▲ 52.8%€6k▲ 10.6%€9k▲ 56.7%€115k▲ 1,161%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2024 is 1,207% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €248k
Fixed assets
€56k
Current assets
€192k
Equity and liabilities €248k
Equity
€186k▲ 161%
Debt
€62k▲ 65.5%
The debt ratio falls from 34.3% to 24.9%: equity grows faster than debt.
Key figures and ratios
EBITDA
€172k
Cash flow
€118k
Solvency
75.1%▲
2023 · 65.7%
Current ratio
3.10▲
2023 · 2.91
Quick ratio
3.10▲
2023 · 2.91
Debt / equity
0.33▼
2023 · 0.52
ROE
61.7%▲
2023 · 12.8%
ROA
46.3%▲
2023 · 8.4%
Debt
€62k▲
2023 · €37k
Debt ≤ 1 year
€62k▲
2023 · €37k
Income taxes
€56k▲
2023 · €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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€109k€248k▲
Fixed assets21/28-€56k
Tangible fixed assets22/27-€56k
Furniture and vehicles24-€56k
Current assets29/58€109k€192k▲
Amounts receivable within one year40/41€2k€4k▲
Trade receivables40€2k€4k▲
Current investments50/53€46k€46k=
Cash at bank and in hand54/58€61k€140k▲
Deferred charges and accrued income490/1€21€2k▲
Equity and liabilities
Total equity and liabilities10/49€109k€248k▲
Equity10/15€71k€186k▲
Contributions10/11€20k€20k=
Reserves13€51k€166k▲
Distributable reserves133€51k€166k▲
Profit (loss) carried forward14€51€54▲
Amounts payable17/49€37k€62k▲
Amounts payable within one year42/48€37k€62k▲
Trade debts44€735€1k▲
Suppliers440/4€735€1k▲
Taxes, remuneration and social security45€34€26k▲
Taxes450/3€34€26k▲
Other amounts payable47/48€37k€35k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€3k
Other operating charges640/8€651€763▲
Gross operating margin9900€14k€173k▲
Operating profit (loss)9901€13k€170k▲
Financial income75/76B€525€2k▲
Recurring financial income75€525€2k▲
Profit (loss) for the period before taxes9903€14k€171k▲
Income taxes67/77€4k€56k▲
Profit (loss) for the period9904€9k€115k▲
Profit (loss) for the period to be appropriated9905€9k€115k▲
Appropriation of the result
Profit (loss) to be appropriated9906€9k€115k▲
Profit (loss) brought forward from the previous period14P€46€51▲
Transfer to equity691/2€9k€115k▲
To other reserves6921€9k€115k▲
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
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €115k ▲1161%
Operating result €170k, net result €115k, both a record.
31-12
Financial
Equity above €150kEq €186k ▲161%
7 profitable years in a row build equity to €186k.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
01-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 1 day late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 19 days late
2020
06-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 6 days late
2019
31-12
Financial
Weakest financial yearnet €2k ▼60.1%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
16-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 16 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Temse · 1 establishment unit since 2005
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.
Molenstraat 349140 TemseGround area
1,337 m²
Building footprint
157 m²
Volume, LiDAR
851 m³
Parcel 46026A0444/00A000, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
B-direct
since 20052.146.124.604
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46026A0444/00A000 | Flanders | 1,337 m² | 1 · 157 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.
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,395. 40,163 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-03-2005
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.