B.S.O.
ActiveB.S.O. has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €764k and a net result of €196k. Equity is shrinking by ~10.1% per year across the filed fiscal years. Its solvency ranks better than 34% of 4844 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+3
Solvency56▼-1
Growth58=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 3.55 against 4.3 in 2024; short-term debt: 17.8% and cash: 1.1% of total assets), but 69% 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
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
31%
Return on assets
7.9%
Age of the figures
9 mo
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 →
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
19 d late
2024
59 d early
2023
57 d early
2022
18 d early
2021
26 d late
2020
61 d early
2019
35 d early
← before the deadline
after the deadline →
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€196k▲ 48.2%
2024 · €132k
2018: €-729k
2019: €-284k
2020: €4k
2021: €163k
2022: €270k
2023: €219k
2024: €132k
2018 → 2025
Working capital
€1.12M▼ 1.4%
2024 · €1.13M
2018: €772k
2019: €301k
2020: €540k
2021: €902k
2022: €1.91M
2023: €1.15M
2024: €1.13M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.17M-€1.44M▲ 23.1%€764k▼ 47.0%€764k=€764k=
Operating result€171k-€289k▲ 68.5%€221k▼ 23.5%€163k▼ 26.1%€266k▲ 63.0%
Net result€163k-€270k▲ 65.8%€219k▼ 19.0%€132k▼ 39.5%€196k▲ 48.2%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 63% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.47M
Fixed assets
€909k▲ 1.4%
Current assets
€1.56M▲ 5.4%
Equity and liabilities €2.47M
Equity
€764k=
Debt
€1.70M▲ 5.7%
The debt ratio rises from 67.8% to 69.0%. Debt is higher.
Key figures and ratios
EBITDA
€436k▲
2024 · €329k
Cash flow
€366k▲
2024 · €298k
Solvency
31.0%▼
2024 · 32.2%
Current ratio
3.55▼
2024 · 4.30
Quick ratio
3.55▼
2024 · 4.30
Debt / equity
2.23▲
2024 · 2.11
ROE
25.7%▲
2024 · 17.3%
ROA
7.9%▲
2024 · 5.6%
Interest coverage
12.92▲
2024 · 10.16
Debt
€1.70M▲
2024 · €1.61M
Debt ≤ 1 year
€439k▲
2024 · €343k
Debt > 1 year
€1.26M▼
2024 · €1.26M
Income taxes
€44k▲
2024 · €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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€2.37M€2.47M▲
Fixed assets21/28€897k€909k▲
Tangible fixed assets22/27€895k€909k▲
Land and buildings22€500k€459k▼
Plant, machinery and equipment23€6k€5k▼
Leasing and similar rights25€106k€80k▼
Other tangible fixed assets26€284k€366k▲
Financial fixed assets28€2k€0▼
Current assets29/58€1.48M€1.56M▲
Amounts receivable after more than one year29€125k€125k=
Other amounts receivable291€125k€125k=
Amounts receivable within one year40/41€1.32M€1.37M▲
Trade receivables40€100k€161k▲
Other amounts receivable41€1.22M€1.21M▼
Cash at bank and in hand54/58€14k€28k▲
Deferred charges and accrued income490/1€23k€30k▲
Equity and liabilities
Total equity and liabilities10/49€2.37M€2.47M▲
Equity10/15€764k€764k=
Contributions10/11€653k€653k=
Capital10€653k€653k=
Issued capital100€653k€653k=
Reserves13€111k€111k=
Non-distributable reserves130/1€111k€111k=
Legal reserve130€111k€111k=
Profit (loss) carried forward14€0€0=
Amounts payable17/49€1.61M€1.70M▲
Amounts payable after more than one year17€1.26M€1.26M▼
Financial debts170/4€1.26M€1.26M▼
Amounts payable within one year42/48€343k€439k▲
Current portion of amounts payable after more than one year42€191k€178k▼
Trade debts44€7k€52k▲
Suppliers440/4€7k€52k▲
Taxes, remuneration and social security45€13k€13k▲
Taxes450/3€13k€13k▲
Other amounts payable47/48€132k€196k▲
Accrued charges and deferred income492/3€8k€8k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€166k€170k▲
Other operating charges640/8€37k€33k▼
Gross operating margin9900€366k€469k▲
Operating profit (loss)9901€163k€266k▲
Financial income75/76B€6k€8k▲
Recurring financial income75€6k€8k▲
Financial charges65/66B€32k€34k▲
Recurring financial charges65€32k€34k▲
Profit (loss) for the period before taxes9903€136k€240k▲
Income taxes67/77€4k€44k▲
Profit (loss) for the period9904€132k€196k▲
Profit (loss) for the period to be appropriated9905€132k€196k▲
Appropriation of the result
Profit (loss) to be appropriated9906€132k€196k▲
Transfer from equity791/2€0-
Profit to be distributed694/7€132k€196k▲
Return on contributions (dividend)694€132k€196k▲
The notes to these accounts (21 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
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 19 days late
2025
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity doublescurrent ratio 4.30
Current ratio from 2.06 to 4.30; short-term debt falls from €1.08M to €343k.
04-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €270k ▲65.8%
Operating result €289k, net result €270k, both a record.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 26 days late
2021
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €4k
Net result €4k after 2 loss-making years.
31-12
Financial
Liquidity quadruplescurrent ratio 10.26
Current ratio from 2.62 to 10.26; short-term debt falls from €186k to €58k.
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
12-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
23-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Rumst · 1 establishment unit since 1999
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.
Mechelsesteenweg 92840 RumstGround area
1.1 ha
Building footprint
206 m²
Volume, LiDAR
635 m³
Parcel 11037A0183/00H000, Flanders · tallest building 11.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Mechelsesteenweg 9, 2840 Rumst
since 19992.037.165.888
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11037A0183/00H000 | Flanders | 1.1 ha | 1 · 206 m² | 11.1 m · 1 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 · 1 entry · 6,155 EUR awarded| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 6,155 EUR | 0 EUR |
Schemes
Call groene stroom (stopgezet)
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Of 432 companies in sector 46869 we hold annual accounts for 244. 175 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded27-12-1984
Fiscal year end31-12
Activities, NACEBEL
46869Wholesale trade
43320Joinery installation
51562
Sources
Crossroads Bank for EnterprisesNational Bank · 40 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.