B.S.D.
ActiveB.S.D. has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €73k and a net result of €4k. Equity is growing by ~19.3% per year across the filed fiscal years. Its solvency ranks better than 53% of 105 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2026
68
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability72▼-3
Solvency77▲+9
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 3.2 against 2.3 in 2025; short-term debt: 30.6% and cash: 0% of total assets), and 48.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2026Solvency, return and age of the figures
Solvency
51.6%
Return on assets
2.7%
Age of the figures
6 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 08-09-2026, 53 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
53 d early
2025
57 d early
2024
56 d early
2023
56 d early
2022
12 d early
2021
59 d early
2020
24 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
20-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, micro schema
Equity
€73k▲ 5.5%
2025 · €69k
2019: €24k
2020: €29k
2021: €26k
2022: €39k
2023: €51k
2024: €61k
2025: €69k
2019 → 2026
Total assets
€140k▼ 11.2%
2025 · €158k
2019: €148k
2020: €166k
2021: €160k
2022: €178k
2023: €182k
2024: €176k
2025: €158k
2019 → 2026
Net result
€4k▼ 54.2%
2025 · €8k
2019: €4k
2020: €5k
2021: €-3k
2022: €13k
2023: €12k
2024: €10k
2025: €8k
2019 → 2026
Working capital
€94k▲ 15.4%
2025 · €82k
2019: €36k
2020: €33k
2021: €37k
2022: €48k
2023: €61k
2024: €72k
2025: €82k
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€39k-€51k▲ 30.1%€61k▲ 19.5%€69k▲ 13.6%€73k▲ 5.5%
Operating result€20k-€18k▼ 9.6%€15k▼ 18.4%€12k▼ 22.0%€6k▼ 52.7%
Net result€13k-€12k▼ 11.9%€10k▼ 15.5%€8k▼ 16.8%€4k▼ 54.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2026 is 53% below 2025 and is the lowest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €140k
Fixed assets
€3k▼ 76.5%
Current assets
€137k▼ 5.3%
Equity and liabilities €140k
Equity
€73k▲ 5.5%
Debt
€68k▼ 24.1%
The debt ratio falls from 56.6% to 48.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€15k▼
2025 · €21k
Cash flow
€13k▼
2025 · €17k
Solvency
51.6%▲
2025 · 43.4%
Current ratio
3.20▲
2025 · 2.30
Quick ratio
0.20▼
2025 · 0.20
Debt / equity
0.94▼
2025 · 1.30
ROE
5.2%▼
2025 · 12.0%
ROA
2.7%▼
2025 · 5.2%
Interest coverage
14.56▼
2025 · 19.19
Debt
€68k▼
2025 · €90k
Debt ≤ 1 year
€43k▼
2025 · €63k
Debt > 1 year
€25k▼
2025 · €26k
Income taxes
€1k▼
2025 · €3k
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€158k€140k▼
Fixed assets21/28€13k€3k▼
Tangible fixed assets22/27€11k€1k▼
Land and buildings22€730€487▼
Plant, machinery and equipment23€343€44▼
Furniture and vehicles24€10k€836▼
Financial fixed assets28€3k€2k▼
Current assets29/58€145k€137k▼
Stocks and contracts in progress3€132k€129k▼
Stocks30/36€132k€129k▼
Amounts receivable within one year40/41€11k€8k▼
Trade receivables40€11k€8k▼
Other amounts receivable41€350€688▲
Cash at bank and in hand54/58€606€0▼
Deferred charges and accrued income490/1€875€0▼
Equity and liabilities
Total equity and liabilities10/49€158k€140k▼
Equity10/15€69k€73k▲
Contributions10/11€19k€19k=
Reserves13€50k€54k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€48k€52k▲
Amounts payable17/49€90k€68k▼
Amounts payable after more than one year17€26k€25k▼
Financial debts170/4€26k€25k▼
Amounts payable within one year42/48€63k€43k▼
Current portion of amounts payable after more than one year42€8k€1k▼
Financial debts43-€464
Credit institutions430/8-€464
Trade debts44€14k€10k▼
Suppliers440/4€14k€10k▼
Taxes, remuneration and social security45€7k€5k▼
Taxes450/3€7k€5k▼
Other amounts payable47/48€34k€27k▼
Income statement
Code20252026
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k=
Other operating charges640/8€1k€2k▲
Gross operating margin9900€22k€16k▼
Operating profit (loss)9901€12k€6k▼
Financial income75/76B€750€556▼
Recurring financial income75€750€556▼
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€11k€5k▼
Income taxes67/77€3k€1k▼
Profit (loss) for the period9904€8k€4k▼
Profit (loss) for the period to be appropriated9905€8k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€8k€4k▼
Transfer to equity691/2€8k€4k▼
To other reserves6921€8k€4k▼
The notes to these accounts (12 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 2027, expected by
2026
08-09
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
2025
04-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
05-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
05-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
19-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
2021
02-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Weakest financial yearnet €-3k ▼168%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
2020
07-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
09-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
18-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
19-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Merksplas · 2 establishment units since 1998
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.
Molenweg 22330 MerksplasGround area
2,667 m²
Building footprint
678 m²
Volume, LiDAR
3,266 m³
2 parcels, Flanders · tallest building 10.8 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Molenweg 2, 2330 Merksplas
since 19982.089.840.848
Steenweg op Hoogstraten 72, 2330 Merksplas
since 19982.089.840.947
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13023I0612/00H000 | Flanders | 1,724 m² | 1 · 479 m² | 10.8 m · 2 fl. |
| 13023G0181/00G002 | Flanders | 943 m² | 1 · 198 m² | 6.5 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
TEXTURED INC.
BE 0476.605.837
Dilbeek · Eq €72k
Slaapstudio Vic
BE 0673.952.337
Beernem · Eq €72k
ECTORS
BE 0428.983.290
Sint-Truiden · Eq €73k
Verhamme Concept & Consulting
BE 0458.655.293
Merelbeke-Melle · Eq €71k
INVOLUTION
BE 0864.367.988
Ukkel · Eq €71k
Of 687 companies in sector 46412 we hold annual accounts for 517. 368 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-12-1998
Fiscal year end31-03
Activities, NACEBEL
46412Wholesale of household textiles and bedding
51410
47639Retail sale of other sporting goods
47640Retail trade
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
52421
52481
52482
Sources
Crossroads Bank for EnterprisesNational Bank · 27 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.