BD1M
ActiveBD1M has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €183k and a net result of €59k. Equity is growing by ~69.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 31642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
96
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 22.87 against 6.79 in 2024; short-term debt: 4.3% and cash: 76.5% of total assets), and 4.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 70
Relative position
BE, all sectors
reference
Sector 70
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
95.7%
Return on assets
30.8%
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 31-07-2026, 0 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
on the day
2024
2 d early
2023
2 d early
2022
31 d late
2021
30 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€183k▲ 47.4%
2024 · €124k
2021: €22k
2022: €37k
2023: €76k
2024: €124k
2021 → 2025
Total assets
€191k▲ 31.3%
2024 · €146k
2021: €36k
2022: €61k
2023: €96k
2024: €146k
2021 → 2025
Net result
€59k▲ 21.9%
2024 · €48k
2021: €17k
2022: €15k
2023: €39k
2024: €48k
2021 → 2025
Working capital
€178k▲ 43.6%
2024 · €124k
2021: €22k
2022: €37k
2023: €76k
2024: €124k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€22k-€37k▲ 67.5%€76k▲ 103%€124k▲ 63.5%€183k▲ 47.4%
Operating result€24k-€23k▼ 4.0%€54k▲ 133%€59k▲ 7.7%€84k▲ 43.1%
Net result€17k-€15k▼ 13.0%€39k▲ 157%€48k▲ 24.9%€59k▲ 21.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 43% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €191k
Fixed assets
€5k
Current assets
€187k
Equity and liabilities €191k
Equity
€183k▲ 47.4%
Debt
€8k▼ 62.0%
The debt ratio falls from 14.7% to 4.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€84k
Cash flow
€59k
Solvency
95.7%▲
2024 · 85.3%
Current ratio
22.87▲
2024 · 6.79
Quick ratio
22.87▲
2024 · 6.79
Debt / equity
0.04▼
2024 · 0.17
ROE
32.1%▼
2024 · 38.8%
ROA
30.8%▼
2024 · 33.1%
Interest coverage
1865.32
Debt
€8k▼
2024 · €21k
Debt ≤ 1 year
€8k▼
2024 · €21k
Income taxes
€27k▲
2024 · €12k
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€146k€191k▲
Fixed assets21/28-€5k
Tangible fixed assets22/27-€5k
Land and buildings22-€5k
Current assets29/58€146k€187k▲
Amounts receivable within one year40/41€2k€40k▲
Trade receivables40-€30k
Other amounts receivable41€2k€10k▲
Current investments50/53€125k-
Cash at bank and in hand54/58€19k€146k▲
Equity and liabilities
Total equity and liabilities10/49€146k€191k▲
Equity10/15€124k€183k▲
Contributions10/11€5k€5k=
Reserves13€71k€130k▲
Distributable reserves133€71k€130k▲
Profit (loss) carried forward14€48k€48k=
Amounts payable17/49€21k€8k▼
Amounts payable within one year42/48€21k€8k▼
Advances received on contracts in progress46€6k-
Taxes, remuneration and social security45€14k€8k▼
Taxes450/3€14k€8k▼
Other amounts payable47/48€1k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€204
Other operating charges640/8€276€289▲
Gross operating margin9900€59k€84k▲
Operating profit (loss)9901€59k€84k▲
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€46€45▼
Recurring financial charges65€46€45▼
Profit (loss) for the period before taxes9903€60k€86k▲
Income taxes67/77€12k€27k▲
Profit (loss) for the period9904€48k€59k▲
Profit (loss) for the period to be appropriated9905€48k€59k▲
Appropriation of the result
Profit (loss) to be appropriated9906€48k€107k▲
Profit (loss) brought forward from the previous period14P-€48k
Transfer to equity691/2-€59k
To other reserves6921-€59k
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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €59k ▲21.9%
Operating result €84k, net result €59k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 22.87
Current ratio from 6.79 to 22.87; short-term debt falls from €21k to €8k.
31-12
Financial
Equity above €150kEq €183k ▲47.4%
5 profitable years in a row build equity to €183k.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €124k ▲63.5%
4 profitable years in a row build equity to €124k.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €15k ▼13%
Net result drops to €15k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
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, Destelbergen · 1 establishment unit since 2020
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.
Steilvoordehof(HEU) 99070 DestelbergenGround area
1,422 m²
Building footprint
213 m²
Volume, LiDAR
1,376 m³
Parcel 44028A0451/00W000, Flanders · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Steilvoordehof(HEU) 9, 9070 Destelbergen
since 20202.303.675.764
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44028A0451/00W000 | Flanders | 1,422 m² | 1 · 213 m² | 10.5 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.
Recognitions · licences · registrations
Legal Entity Identifier
8755002COXB0RVWYDS47
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Of 5,700 companies in sector 70100 we hold annual accounts for 3,492. 2,369 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-06-2020
Fiscal year end31-12
Activities, NACEBEL
70100Activities of head offices
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.
Contact details
1 entryE-mail:dengisbernard@gmail.com