BALANCE CARREE
ActiveBALANCE CARREE has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €139k and a net result of €93k. Equity is growing by ~19.3% per year across the filed fiscal years. Its solvency ranks better than 51% of 12665 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency82▼-18
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 2.09 against 1.24 in 2024; short-term debt: 14% and cash: 22.4% of total assets), and 42.8% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
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
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
57.2%
Return on assets
38.4%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-05-2026, 82 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
82 d early
2024
31 d early
2023
50 d early
2022
33 d early
2021
26 d early
2020
6 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, micro schema
Equity
€139k▼ 28.6%
2024 · €194k
2020: €35k
2021: €59k
2022: €141k
2023: €192k
2024: €194k
2020 → 2025
Total assets
€243k▼ 6.2%
2024 · €259k
2020: €155k
2021: €158k
2022: €233k
2023: €249k
2024: €259k
2020 → 2025
Net result
€93k▼ 4.0%
2024 · €97k
2020: €31k
2021: €24k
2022: €82k
2023: €77k
2024: €97k
2020 → 2025
Working capital
€37k▲ 142%
2024 · €15k
2020: €-29k
2021: €2k
2022: €35k
2023: €42k
2024: €15k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€59k-€141k▲ 139%€192k▲ 36.8%€194k▲ 1.1%€139k▼ 28.6%
Operating result€38k-€83k▲ 120%€111k▲ 34.4%€132k▲ 18.6%€126k▼ 4.4%
Net result€24k-€82k▲ 239%€77k▼ 7.0%€97k▲ 26.8%€93k▼ 4.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 4% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €243k
Fixed assets
€172k▼ 4.1%
Current assets
€71k▼ 10.8%
Equity and liabilities €243k
Equity
€139k▼ 28.6%
Debt
€104k▲ 61.6%
The debt ratio rises from 24.9% to 42.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€134k▼
2024 · €139k
Cash flow
€101k▼
2024 · €104k
Solvency
57.2%▼
2024 · 75.1%
Current ratio
2.09▲
2024 · 1.24
Quick ratio
2.09▲
2024 · 1.24
Debt / equity
0.75▲
2024 · 0.33
ROE
67.2%▲
2024 · 50.0%
ROA
38.4%▲
2024 · 37.5%
Interest coverage
3608.50▲
2024 · 1490.50
Debt
€104k▲
2024 · €64k
Debt ≤ 1 year
€34k▼
2024 · €64k
Debt > 1 year
€70k
Income taxes
€33k▼
2024 · €35k
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€259k€243k▼
Fixed assets21/28€179k€172k▼
Tangible fixed assets22/27€29k€22k▼
Furniture and vehicles24€29k€22k▼
Financial fixed assets28€150k€150k=
Current assets29/58€80k€71k▼
Amounts receivable within one year40/41-€16k
Trade receivables40-€16k
Cash at bank and in hand54/58€79k€54k▼
Deferred charges and accrued income490/1€364€380▲
Equity and liabilities
Total equity and liabilities10/49€259k€243k▼
Equity10/15€194k€139k▼
Contributions10/11€5k€5k=
Reserves13€187k€133k▼
Distributable reserves133€187k€133k▼
Profit (loss) carried forward14€2k€485▼
Amounts payable17/49€64k€104k▲
Amounts payable after more than one year17-€70k
Other amounts payable178/9-€70k
Amounts payable within one year42/48€64k€34k▼
Trade debts44€350€299▼
Suppliers440/4€350€299▼
Taxes, remuneration and social security45€4k€10k▲
Taxes450/3€4k€10k▲
Other amounts payable47/48€60k€24k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€142k€135k▼
Operating profit (loss)9901€132k€126k▼
Financial income75/76B€286€297▲
Recurring financial income75€286€297▲
Financial charges65/66B€94€37▼
Recurring financial charges65€94€37▼
Profit (loss) for the period before taxes9903€132k€127k▼
Income taxes67/77€35k€33k▼
Profit (loss) for the period9904€97k€93k▼
Profit (loss) for the period to be appropriated9905€97k€93k▼
Appropriation of the result
Profit (loss) to be appropriated9906€97k€95k▼
Profit (loss) brought forward from the previous period14P-€2k
Transfer from equity791/2-€54k
Profit to be distributed694/7€95k€149k▲
Return on contributions (dividend)694€95k€149k▲
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
10-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2020net €97k ▲26.8%
Operating result €132k, net result €97k, both a record.
11-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150kEq €192k ▲36.8%
4 profitable years in a row build equity to €192k.
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €141k ▲139%
3 profitable years in a row build equity to €141k.
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €24k ▼22.2%
Net result drops to €24k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 1.07
Current ratio from 0.51 to 1.07; short-term debt falls from €59k to €34k.
25-07
NBB filing
Annual accounts filed
fiscal year 2020 · 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, Stavelot · 1 establishment unit since 2019
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 du Bac 64970 StavelotGround area
396 m²
Building footprint
122 m²
Volume, LiDAR
811 m³
Parcel 63073B2181/00K000, Wallonia · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BALANCE CARREE
since 20192.296.035.530
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63073B2181/00K000 | Wallonia | 396 m² | 1 · 122 m² | 9.8 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.
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Of 12,172 companies in sector 69201 we hold annual accounts for 7,638. 6,531 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-11-2019
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.