BCS
ActiveBCS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €229k and a net result of €58k. Equity is growing by ~14.9% per year across the filed fiscal years. Its solvency ranks better than 62% of 5485 sector peers (fiscal year 2025). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
4 d early
2023
5 d early
2022
7 d early
2021
18 d late
2020
1 d early
2019
5 d late
← 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
11-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€229k▲ 20.6%
2024 · €190k
2018: €82k
2019: €101k
2020: €114k
2021: €116k
2022: €144k
2023: €166k
2024: €190k
2018 → 2025
Net result
€58k▲ 34.9%
2024 · €43k
2018: €20k
2019: €19k
2020: €13k
2021: €2k
2022: €28k
2023: €23k
2024: €43k
2018 → 2025
Total assets
€352k▲ 11.6%
2024 · €316k
2018: €305k
2019: €290k
2020: €312k
2021: €301k
2022: €311k
2023: €316k
2024: €316k
2018 → 2025
Solvency
65.0%▲ 4.8pp
2024 · 60.1%
2018: 27.1%
2019: 34.9%
2020: 36.5%
2021: 38.6%
2022: 46.2%
2023: 52.7%
2024: 60.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€116k-€144k▲ 23.7%€166k▲ 15.8%€190k▲ 14.1%€229k▲ 20.6%
Operating result€11k-€45k▲ 300%€37k▼ 16.1%€65k▲ 73.0%€87k▲ 33.6%
Net result€2k-€28k▲ 1,098%€23k▼ 17.6%€43k▲ 89.1%€58k▲ 34.9%
Turnover and EBIT margin not published: the abbreviated or 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 34% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €352k
Fixed assets
€184k▼ 8.0%
Current assets
€168k▲ 45.9%
Equity and liabilities €352k
Equity
€229k▲ 20.6%
Debt
€123k▼ 1.9%
The debt ratio falls from 39.9% to 35.0%: equity grows while debt is paid down.
Key figures and ratios
Solvency
65.0%▲
2024 · 60.1%
ROE
25.3%▲
2024 · 22.6%
ROA
16.4%▲
2024 · 13.6%
Debt
€123k▼
2024 · €126k
Debt ≤ 1 year
€46k▲
2024 · €31k
Debt > 1 year
€78k▼
2024 · €94k
Income taxes
€25k▲
2024 · €17k
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€316k€352k▲
Fixed assets21/28€201k€184k▼
Tangible fixed assets22/27€197k€181k▼
Land and buildings22€182k€173k▼
Plant, machinery and equipment23€8k€7k▼
Furniture and vehicles24€7k€961▼
Financial fixed assets28€4k€4k=
Current assets29/58€115k€168k▲
Amounts receivable within one year40/41€42k€50k▲
Trade receivables40€7k€34k▲
Other amounts receivable41€34k€16k▼
Cash at bank and in hand54/58€71k€117k▲
Deferred charges and accrued income490/1€3k€765▼
Equity and liabilities
Total equity and liabilities10/49€316k€352k▲
Equity10/15€190k€229k▲
Contributions10/11€12k€12k=
Outside capital11€12k€12k=
Other1109/19€12k€12k=
Reserves13€164k€203k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€162k€201k▲
Profit (loss) carried forward14€14k€14k=
Amounts payable17/49€126k€123k▼
Amounts payable after more than one year17€94k€78k▼
Financial debts170/4€94k€78k▼
Amounts payable within one year42/48€31k€46k▲
Current portion of amounts payable after more than one year42€22k€17k▼
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€6k€26k▲
Taxes450/3€6k€26k▲
Other amounts payable47/48€2k€545▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€11k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€83k€100k▲
Operating profit (loss)9901€65k€87k▲
Financial income75/76B€1€3▲
Recurring financial income75€1€3▲
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€60k€83k▲
Income taxes67/77€17k€25k▲
Profit (loss) for the period9904€43k€58k▲
Profit (loss) for the period to be appropriated9905€43k€58k▲
Appropriation of the result
Profit (loss) to be appropriated9906€56k€72k▲
Profit (loss) brought forward from the previous period14P€14k€14k▲
Transfer from equity791/2€20k€19k▼
Transfer to equity691/2€43k€58k▲
To other reserves6921€43k€58k▲
Profit to be distributed694/7€20k€19k▼
Return on contributions (dividend)694€20k€19k▼
The notes to these accounts (9 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €58k ▲34.9%
Operating result €87k, net result €58k, both a record.
31-12
Financial
Equity above €200kEq €229k ▲20.6%
8 profitable years in a row build equity to €229k.
27-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150kEq €166k ▲15.8%
6 profitable years in a row build equity to €166k.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
31-12
Financial
Weakest financial yearnet €2k ▼81.9%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
05-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 5 days late
2019
31-12
Financial
Equity above €100kEq €101k ▲22.7%
2 profitable years in a row build equity to €101k.
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Kalmthout · 1 establishment unit since 2006
Ground area
2,103 m²
Building footprint
256 m²
Parcel 11662E0594/00X017, Flanders. Linked by address, not a title deed.
1 establishment unit
BCS
since 20062.155.573.590
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11662E0594/00X017 | Flanders | 2,103 m² | 1 · 256 m² | - |
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 24,641 companies in sector 64210 we hold annual accounts for 19,693. 13,525 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-07-2006
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
68110Buying and selling of own real estate
68321Property management for co-owned buildings (syndics)
68322Real estate activities
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 19 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.