B TO B
ActiveB TO B is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €62k and a net result of €-31k. Equity is shrinking by ~9.9% per year across the filed fiscal years. Its solvency ranks better than 10% of 2793 sector peers (fiscal year 2024). The company has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 2793 sector peers (2024).
NBB · sector comparisonPosition among 2793 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
29 d late
2022
31 d late
2021
30 d late
2020
3 d early
2019
46 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Equity
€62k▼ 32.9%
2023 · €93k
2019: €136k
2020: €16k
2021: €128k
2022: €142k
2023: €93k
2019 → 2024
Net result
€-31k▲ 38.2%
2023 · €-49k
2019: €160k
2020: €-120k
2021: €112k
2022: €15k
2023: €-49k
2019 → 2024
Total assets
€1.02M▼ 14.8%
2023 · €1.20M
2019: €1.15M
2020: €1.45M
2021: €1.38M
2022: €1.41M
2023: €1.20M
2019 → 2024
Solvency
6.1%▼ 1.6pp
2023 · 7.8%
2019: 11.9%
2020: 1.1%
2021: 9.3%
2022: 10.1%
2023: 7.8%
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€16k-€128k▲ 691%€142k▲ 11.4%€93k▼ 34.7%€62k▼ 32.9%
Operating result€-99k-€135k€39k▼ 71.4%€-31k€-14k▲ 53.1%
Net result€-120k-€112k€15k▼ 86.9%€-49k€-31k▲ 38.2%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €14k in 2024 against €31k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.02M
Fixed assets
€797k▼ 11.4%
Current assets
€224k▼ 24.9%
Equity and liabilities €1.02M
Equity
€62k▼ 32.9%
Debt
€958k▼ 13.3%
The debt ratio rises from 92.2% to 93.9%: equity shrinks faster than debt is paid down.
Key figures and ratios
Solvency
6.1%▼
2023 · 7.8%
ROE
-49.1%▲
2023 · -53.2%
ROA
-3.0%▲
2023 · -4.1%
Debt
€958k▼
2023 · €1.10M
Debt ≤ 1 year
€160k▼
2023 · €188k
Debt > 1 year
€772k▼
2023 · €874k
Income taxes
€0▼
2023 · €38
Staff costs
€195k▲
2023 · €192k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.20M€1.02M▼
Fixed assets21/28€900k€797k▼
Intangible fixed assets21€140k€112k▼
Tangible fixed assets22/27€760k€684k▼
Land and buildings22€753k€684k▼
Furniture and vehicles24€7k€415▼
Financial fixed assets28€0-
Current assets29/58€298k€224k▼
Amounts receivable after more than one year29-€40k
Other amounts receivable291-€40k
Amounts receivable within one year40/41€47k€9k▼
Trade receivables40-€3k
Other amounts receivable41€47k€7k▼
Cash at bank and in hand54/58€646€42k▲
Deferred charges and accrued income490/1€250k€133k▼
Equity and liabilities
Total equity and liabilities10/49€1.20M€1.02M▼
Equity10/15€93k€62k▼
Contributions10/11€10k€10k=
Reserves13€2k€2k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€81k€51k▼
Amounts payable17/49€1.10M€958k▼
Amounts payable after more than one year17€874k€772k▼
Financial debts170/4€874k€772k▼
Amounts payable within one year42/48€188k€160k▼
Current portion of amounts payable after more than one year42€101k€102k▲
Financial debts43€8k€0▼
Credit institutions430/8€8k€0▼
Trade debts44€47k€34k▼
Suppliers440/4€47k€34k▼
Taxes, remuneration and social security45€32k€24k▼
Taxes450/3€4k€3k▼
Remuneration and social security454/9€27k€21k▼
Accrued charges and deferred income492/3€43k€26k▼
Income statement
Code20232024
Remuneration, social security and pensions62€192k€195k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€111k€103k▼
Other operating charges640/8€9k€10k▲
Gross operating margin9900€281k€294k▲
Operating profit (loss)9901€-31k€-14k▲
Financial income75/76B€32€2▼
Recurring financial income75€32€2▼
Financial charges65/66B€19k€16k▼
Recurring financial charges65€19k€16k▼
Profit (loss) for the period before taxes9903€-49k€-31k▲
Income taxes67/77€38€0▼
Profit (loss) for the period9904€-49k€-31k▲
Profit (loss) for the period to be appropriated9905€-49k€-31k▲
Appropriation of the result
Profit (loss) to be appropriated9906€81k€51k▼
Profit (loss) brought forward from the previous period14P€130k€81k▼
Social balance
Average headcount (FTE)9087-4.0
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 29 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 30 days late
2021
31-12
Financial
Back to profitnet €112k
Net result €112k after one loss-making year.
31-12
Financial
Equity above €100kEq €128k ▲691%
Equity rises from €16k to €128k.
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Weakest financial yearnet €-120k ▼175%
Net result drops to €-120k, the lowest in the series; recovery starts the following year.
15-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 46 days late
2019
28-01
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
22-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
06-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 6 days late
2015
15-12
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
11 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, Nivelles · 1 establishment unit since 2002
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.
Rue de l'Archiduc 21400 NivellesGround area
3,530 m²
Building footprint
1,485 m²
Volume, LiDAR
17,654 m³
Parcel 25782C0806/00A000, Wallonia · tallest building 18.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
AXA BANQUE
since 20022.098.758.514
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25782C0806/00A000 | Wallonia | 3,530 m² | 1 · 1,485 m² | 18.8 m · 4 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
PEETERS FINANCIAL MANAGEMENT
BE 0540.711.652
Sint-Truiden · Eq €53k
TIMMERMAN-ANTHIERENS
BE 0567.695.072
Damme · Eq €39k
EUROTRANS 76
BE 0887.732.617
Schaarbeek · Eq €30k
Krimadvies
BE 0538.976.738
Diepenbeek · Eq €132k
YILDIZ-TRANS
BE 0892.727.226
Schaarbeek · Eq €20k
Of 56 companies in sector 64110 we hold annual accounts for 23. 12 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-12-2001
Fiscal year end31-12
Activities, NACEBEL
64110Financial service activities, except insurance and pension funding
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 22 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.