B-Low
ActiveB-Low has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €24k and a net result of €14k. Equity is growing by ~111.3% per year across the filed fiscal years. Its solvency ranks better than 36% of 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
89
/ 100
Excellent▲ +23 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency67▲+23
Growth78=
Stability94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.31 against 0.78 in 2024), and 61.1% 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
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 →
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
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 30-01-2026, 1 day ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
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 close15-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€24k▲ 139%
2024 · €10k
2023: €2k
2024: €10k
2023 → 2025
Total assets
€63k▲ 90.0%
2024 · €33k
2023: €10k
2024: €33k
2023 → 2025
Net result
€14k▲ 64.9%
2024 · €9k
2023: €-1k
2024: €9k
2023 → 2025
Working capital
€12k
2024 · €-5k
2023: €1k
2024: €-5k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€2k-€10k▲ 526%€24k▲ 139%
Operating result€-1k-€10k€18k▲ 70.5%
Net result€-1k-€9k€14k▲ 64.9%
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 two years in a row; 2025 is 71% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €63k
Fixed assets
€13k▼ 17.1%
Current assets
€50k▲ 182%
Equity and liabilities €63k
Equity
€24k▲ 139%
Debt
€38k▲ 68.2%
The debt ratio falls from 69.0% to 61.1%: equity grows faster than debt.
Key figures and ratios
EBITDA
€21k▲
2024 · €12k
Cash flow
€18k▲
2024 · €10k
Solvency
38.9%▲
2024 · 31.0%
Current ratio
1.31▲
2024 · 0.78
Quick ratio
1.31▲
2024 · 0.78
Debt / equity
1.57▼
2024 · 2.23
ROE
58.1%▼
2024 · 84.0%
ROA
22.6%▼
2024 · 26.0%
Interest coverage
184.98▼
2024 · 305.29
Debt
€38k▲
2024 · €23k
Debt ≤ 1 year
€38k▲
2024 · €23k
Income taxes
€4k▲
2024 · €2k
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€33k€63k▲
Formation expenses20€0-
Fixed assets21/28€15k€13k▼
Intangible fixed assets21€4k€3k▼
Tangible fixed assets22/27€12k€10k▼
Furniture and vehicles24€12k€10k▼
Current assets29/58€18k€50k▲
Amounts receivable within one year40/41€962€31k▲
Trade receivables40€0€31k▲
Other amounts receivable41€962€0▼
Cash at bank and in hand54/58€17k€18k▲
Deferred charges and accrued income490/1-€565
Equity and liabilities
Total equity and liabilities10/49€33k€63k▲
Equity10/15€10k€24k▲
Contributions10/11€3k€3k=
Reserves13-€20k
Distributable reserves133-€20k
Profit (loss) carried forward14€7k€1k▼
Amounts payable17/49€23k€38k▲
Amounts payable within one year42/48€23k€38k▲
Trade debts44-€48
Suppliers440/4-€48
Taxes, remuneration and social security45€3k€6k▲
Taxes450/3€3k€6k▲
Other amounts payable47/48€20k€32k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€3k▲
Other operating charges640/8€384€732▲
Gross operating margin9900€12k€22k▲
Operating profit (loss)9901€10k€18k▲
Financial income75/76B€0€4▲
Recurring financial income75€0€4▲
Financial charges65/66B€39€115▲
Recurring financial charges65€39€115▲
Profit (loss) for the period before taxes9903€10k€18k▲
Income taxes67/77€2k€4k▲
Profit (loss) for the period9904€9k€14k▲
Profit (loss) for the period to be appropriated9905€9k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€7k€21k▲
Profit (loss) brought forward from the previous period14P€-1k€7k▲
Transfer to equity691/2-€20k
To contributions691-€20k
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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2023net €14k ▲64.9%
Operating result €18k, net result €14k, both a record.
30-01
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
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, Herzele · 1 establishment unit since 2022
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.
Bekenholstraat 19550 HerzeleGround area
3,239 m²
Building footprint
796 m²
Volume, LiDAR
4,727 m³
Parcel 41067A0705/00E000, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
B-Low
since 20222.338.806.194
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41067A0705/00E000 | Flanders | 3,239 m² | 1 · 796 m² | 10.0 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
THORO CONSULT
BE 1007.176.833
Antwerpen · Eq €24k
Boone Advocaten
BE 0662.456.253
Antwerpen · Eq €24k
FEEL 4 YOU
BE 0479.370.337
Elsene · Eq €24k
MRGX Consulting
BE 1022.875.589
Deerlijk · Eq €24k
LA SIGNATURE CONSULTING
BE 0802.718.451
Anderlecht · Eq €24k
Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 32,549 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-12-2022
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.