BDDB
ActiveBDDB has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €50k and a net result of €70k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 33% of 37960 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+20
Solvency63▲+27
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity tight (current ratio 1.37 against 0.93 in 2023; short-term debt: 46.8% and cash: 52.7% of total assets), and 61.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers 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 →
neutral · A punctual record breaks
This company filed 7 consecutive financial years on time. The year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
35 d early
2022
31 d early
2021
32 d early
2020
36 d early
2019
21 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€50k▲ 145%
2023 · €20k
2018: €116k
2019: €162k
2020: €257k
2021: €190k
2022: €121k
2023: €20k
2018 → 2024
Total assets
€131k▼ 31.3%
2023 · €191k
2018: €166k
2019: €203k
2020: €277k
2021: €199k
2022: €194k
2023: €191k
2018 → 2024
Net result
€70k▲ 314%
2023 · €17k
2018: €81k
2019: €46k
2020: €95k
2021: €50k
2022: €-10k
2023: €17k
2018 → 2024
Working capital
€22k
2023 · €-9k
2018: €87k
2019: €125k
2020: €221k
2021: €161k
2022: €103k
2023: €-9k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€257k-€190k▼ 26.3%€121k▼ 36.1%€20k▼ 83.1%€50k▲ 145%
Operating result€124k-€65k▼ 47.6%€-9k€24k€90k▲ 281%
Net result€95k-€50k▼ 47.6%€-10k€17k€70k▲ 314%
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 two years in a row; 2024 is 281% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €131k
Fixed assets
€47k▼ 22.5%
Current assets
€84k▼ 35.4%
Equity and liabilities €131k
Equity
€50k▲ 145%
Debt
€81k▼ 52.5%
The debt ratio falls from 89.3% to 61.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€104k▲
2023 · €35k
Cash flow
€83k▲
2023 · €28k
Solvency
38.3%▲
2023 · 10.7%
Current ratio
1.37▲
2023 · 0.93
Quick ratio
1.37▲
2023 · 0.93
Debt / equity
1.61▼
2023 · 8.32
ROE
139.0%▲
2023 · 82.3%
ROA
53.3%▲
2023 · 8.8%
Interest coverage
80.53▲
2023 · 38.06
Debt
€81k▼
2023 · €170k
Debt ≤ 1 year
€61k▼
2023 · €139k
Debt > 1 year
€19k▼
2023 · €31k
Income taxes
€19k▲
2023 · €6k
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€191k€131k▼
Fixed assets21/28€61k€47k▼
Tangible fixed assets22/27€61k€47k▼
Furniture and vehicles24€50k€38k▼
Other tangible fixed assets26€11k€9k▼
Current assets29/58€130k€84k▼
Amounts receivable within one year40/41€29k€13k▼
Trade receivables40€29k€12k▼
Other amounts receivable41€0€447▲
Cash at bank and in hand54/58€99k€69k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€191k€131k▼
Equity10/15€20k€50k▲
Contributions10/11€19k€19k=
Reserves13€2k€32k▲
Distributable reserves133€2k€32k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€170k€81k▼
Amounts payable after more than one year17€31k€19k▼
Financial debts170/4€31k€19k▼
Amounts payable within one year42/48€139k€61k▼
Current portion of amounts payable after more than one year42€12k€12k▲
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€1k€6k▲
Taxes450/3€1k€6k▲
Other amounts payable47/48€123k€42k▼
Accrued charges and deferred income492/3-€414
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€14k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€37k€106k▲
Operating profit (loss)9901€24k€90k▲
Financial income75/76B€13€3▼
Recurring financial income75€13€3▼
Financial charges65/66B€928€1k▲
Recurring financial charges65€928€1k▲
Profit (loss) for the period before taxes9903€23k€89k▲
Income taxes67/77€6k€19k▲
Profit (loss) for the period9904€17k€70k▲
Profit (loss) for the period to be appropriated9905€17k€70k▲
Appropriation of the result
Profit (loss) to be appropriated9906€17k€70k▲
Transfer from equity791/2€118k€0▼
Transfer to equity691/2€17k€30k▲
To other reserves6921€17k€30k▲
Profit to be distributed694/7€118k€40k▼
Return on contributions (dividend)694€118k€40k▼
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-10k ▼119%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €95k ▲105%
Operating result €124k, net result €95k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 12.01
Current ratio from 4.04 to 12.01; short-term debt falls from €41k to €20k.
31-12
Financial
Equity above €200kEq €257k ▲58.8%
3 profitable years in a row build equity to €257k.
10-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €150kEq €162k ▲40.1%
2 profitable years in a row build equity to €162k.
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Oudenaarde · 1 establishment unit since 2016
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.
Tivolistraat 519700 OudenaardeGround area
647 m²
Building footprint
185 m²
Parcel 45506A0240/00Y000, Flanders. Linked by address, not a title deed.
1 establishment unit
BDDB
since 20162.255.232.974
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45506A0240/00Y000 | Flanders | 647 m² | 1 · 185 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.
Similar companies · same sector, comparable size
Heti consult BV
BE 0762.746.731
Sint-Lievens-Houtem · Eq €50k
PASPHIL
BE 0479.480.797
Tournai · Eq €50k
Event Horizon Management
BE 1026.607.616
Antwerpen · Eq €50k
Pavlova Consulting
BE 0738.631.442
Brussel · Eq €50k
D3G
BE 0834.371.135
Namur · Eq €50k
Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 38,058 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-08-2016
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.