B-TEC services
ActiveB-TEC services has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €39k and a net result of €8k. Equity is shrinking by ~10.2% per year across the filed fiscal years. Its solvency ranks better than 91% of 27358 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
100
/ 100
Excellent▲ +6 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+63
Solvency100=
Growth32=
Stability100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 7.97 against 4.41 in 2024), and 12.5% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
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 2025Solvency, return and age of the figures
Solvency
87.5%
Return on assets
18.8%
Age of the figures
8 mo
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
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €39k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 7 filingsDeviation from the deadline
2025
28 d late
2024
100 d late
2023
61 d late
2022
30 d late
2021
5 d late
2020
30 d late
2019
1 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€39k▲ 27.5%
2024 · €31k
2019: €59k
2020: €72k
2021: €84k
2022: €78k
2023: €29k
2024: €31k
2019 → 2025
Total assets
€45k▲ 12.8%
2024 · €40k
2019: €101k
2020: €116k
2021: €102k
2022: €91k
2023: €78k
2024: €40k
2019 → 2025
Net result
€8k▲ 266%
2024 · €2k
2019: €47k
2020: €17k
2021: €12k
2022: €-6k
2023: €-12k
2024: €2k
2019 → 2025
Working capital
€39k▲ 27.8%
2024 · €31k
2019: €52k
2020: €65k
2021: €77k
2022: €76k
2023: €28k
2024: €31k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€84k-€78k▼ 7.2%€29k▼ 63.4%€31k▲ 8.1%€39k▲ 27.5%
Operating result€15k-€-7k€-13k▼ 81.3%€1k€8k▲ 637%
Net result€12k-€-6k€-12k▼ 94.0%€2k€8k▲ 266%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 637% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €45k
Equity
€39k▲ 27.5%
Debt
€6k▼ 37.5%
The debt ratio falls from 22.6% to 12.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€8k▲
2024 · €2k
Cash flow
€9k▲
2024 · €3k
Solvency
87.5%▲
2024 · 77.4%
Current ratio
7.97▲
2024 · 4.41
Quick ratio
7.97▲
2024 · 4.41
Debt / equity
0.14▼
2024 · 0.29
ROE
21.5%▲
2024 · 7.5%
ROA
18.8%▲
2024 · 5.8%
Interest coverage
65.30▲
2024 · 20.33
Debt
€6k▼
2024 · €9k
Debt ≤ 1 year
€6k▼
2024 · €9k
Income taxes
€205▲
2024 · €148
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€40k€45k▲
Fixed assets21/28€68-
Tangible fixed assets22/27€68-
Furniture and vehicles24€68-
Current assets29/58€40k€45k▲
Amounts receivable within one year40/41€25k€28k▲
Trade receivables40€11k€4k▼
Other amounts receivable41€13k€24k▲
Cash at bank and in hand54/58€12k€16k▲
Deferred charges and accrued income490/1€3k€1k▼
Equity and liabilities
Total equity and liabilities10/49€40k€45k▲
Equity10/15€31k€39k▲
Contributions10/11€19k€19k=
Reserves13€10k€20k▲
Distributable reserves133€10k€20k▲
Profit (loss) carried forward14€2k€771▼
Amounts payable17/49€9k€6k▼
Amounts payable within one year42/48€9k€6k▼
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Advances received on contracts in progress46€3k-
Taxes, remuneration and social security45€3k€4k▲
Taxes450/3€3k€4k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€643€68▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€4k€9k▲
Operating profit (loss)9901€1k€8k▲
Financial income75/76B€1k€962▼
Recurring financial income75€1k€962▼
Financial charges65/66B€84€121▲
Recurring financial charges65€84€121▲
Profit (loss) for the period before taxes9903€2k€9k▲
Income taxes67/77€148€205▲
Profit (loss) for the period9904€2k€8k▲
Profit (loss) for the period to be appropriated9905€2k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€11k▲
Profit (loss) brought forward from the previous period14P-€2k
Transfer to equity691/2-€10k
To other reserves6921-€10k
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
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
08-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 100 days late
2024
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 4.41
Current ratio from 1.56 to 4.41; short-term debt falls from €50k to €9k.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Weakest financial yearnet €-12k
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
05-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 5 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · 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, Antwerpen · 2 establishment units since 2018
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.
Sint-Bernardsesteenweg 9502660 AntwerpenGround area
657 m²
Building footprint
298 m²
Volume, LiDAR
2,292 m³
2 parcels, Flanders · tallest building 12.3 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
B-TEC services
since 20182.278.624.525
B-TEC services
since 20222.333.487.428
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12007B0500/00G000 | Flanders | 436 m² | 1 · 192 m² | 12.3 m · 3 fl. |
| 11019B0214/00P006 | Flanders | 220 m² | 1 · 106 m² | 6.7 m · 2 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.
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Of 22,728 companies in sector 43211 we hold annual accounts for 10,270. 8,279 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-08-2018
Fiscal year end31-12
Activities, NACEBEL
43211General electrical installation work
33130Repair, maintenance and installation of machinery and equipment
33140Repair and maintenance of electrical equipment
43212Electrical installation work in industrial facilities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.