B finance
ActiveB finance has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €16k and a net result of €-3k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 18% of 7733 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
50
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability67▼-9
Solvency33▼-4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.96 against 0.85 in 2024; short-term debt: 91.9% and cash: 5.5% of total assets), and 91.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
8.1%
Return on assets
-1.6%
Age of the figures
15 mo
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 7733 sector peers (2025).
NBB · sector comparisonPosition among 7733 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 28-01-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
on the day
2023
on the day
2022
1 d early
2021
on the day
2020
on the day
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€16k▼ 16.4%
2024 · €19k
2019: €-27k
2020: €-36k
2021: €14k
2022: €31k
2023: €11k
2024: €19k
2019 → 2025
Total assets
€197k▲ 28.6%
2024 · €153k
2019: €303k
2020: €489k
2021: €291k
2022: €424k
2023: €149k
2024: €153k
2019 → 2025
Net result
€-3k
2024 · €9k
2019: €15k
2020: €-9k
2021: €51k
2022: €16k
2023: €-20k
2024: €9k
2019 → 2025
Working capital
€-6k▲ 68.1%
2024 · €-20k
2019: €-134k
2020: €-134k
2021: €-78k
2022: €-37k
2023: €-31k
2024: €-20k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€14k-€31k▲ 113%€11k▼ 65.7%€19k▲ 81.3%€16k▼ 16.4%
Operating result€53k-€17k▼ 68.1%€-17k€9k€-3k
Net result€51k-€16k▼ 67.9%€-20k€9k€-3k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €3k after €9k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €197k
Fixed assets
€22k▼ 42.7%
Current assets
€174k▲ 53.0%
Equity and liabilities €197k
Equity
€16k▼ 16.4%
Debt
€181k▲ 35.0%
The debt ratio rises from 87.5% to 91.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€15k▼
2024 · €29k
Cash flow
€15k▼
2024 · €28k
Solvency
8.1%▼
2024 · 12.5%
Current ratio
0.96▲
2024 · 0.85
Quick ratio
0.96▲
2024 · 0.85
Debt / equity
11.32▲
2024 · 7.01
ROE
-19.7%▼
2024 · 44.8%
ROA
-1.6%▼
2024 · 5.6%
Interest coverage
155.55▲
2024 · 55.05
Debt
€181k▲
2024 · €134k
Debt ≤ 1 year
€181k▲
2024 · €134k
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€153k€197k▲
Fixed assets21/28€39k€22k▼
Tangible fixed assets22/27€39k€22k▼
Land and buildings22€17k€3k▼
Plant, machinery and equipment23-€1k
Other tangible fixed assets26€22k€18k▼
Current assets29/58€114k€174k▲
Amounts receivable within one year40/41€105k€163k▲
Trade receivables40€72k€130k▲
Other amounts receivable41€34k€34k=
Cash at bank and in hand54/58€8k€11k▲
Equity and liabilities
Total equity and liabilities10/49€153k€197k▲
Equity10/15€19k€16k▼
Contributions10/11€12k€12k=
Capital10€12k-
Issued capital100€19k-
Uncalled capital101€6k-
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k-
Reserves not available under the articles1311-€2k
Profit (loss) carried forward14€5k€2k▼
Amounts payable17/49€134k€181k▲
Amounts payable within one year42/48€134k€181k▲
Trade debts44€41k€113k▲
Suppliers440/4€41k€113k▲
Taxes, remuneration and social security45€2k€9k▲
Taxes450/3€2k€9k▲
Other amounts payable47/48€91k€58k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€18k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€31k€17k▼
Operating profit (loss)9901€9k€-3k▼
Financial charges65/66B€523€98▼
Recurring financial charges65€523€98▼
Profit (loss) for the period before taxes9903€9k€-3k▼
Profit (loss) for the period9904€9k€-3k▼
Profit (loss) for the period to be appropriated9905€9k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€5k€2k▼
Profit (loss) brought forward from the previous period14P€-4k€5k▲
The notes to these accounts (7 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
28-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Weakest financial yearnet €-20k ▼224%
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Back to profitnet €51k
Net result €51k after one loss-making year.
31-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-01
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
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, Evere · 1 establishment unit since 2013
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.
Kolonel Bourgstraat 152B1140 EvereGround area
1,772 m²
Building footprint
281 m²
Volume, LiDAR
4,041 m³
Parcel 21372C0112/00D012, Brussels · tallest building 18.0 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
B Finance
since 20132.219.603.488
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21372C0112/00D012 | Brussels | 1,772 m² | 1 · 280 m² | 18.0 m · 5 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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Dienstenwaaier
BE 1002.358.507
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URAEUS
BE 0752.651.803
Kortrijk · Eq €16k
Of 24,503 companies in sector 82990 we hold annual accounts for 9,402. 5,407 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-09-2010
Fiscal year end30-06
Activities, NACEBEL
82990Other business support services
70200Business and other management consultancy
70220Business consulting
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 14 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.