BE-CLEAR
ActiveBE-CLEAR has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.25M and a net result of €152k. Equity is shrinking by ~7.8% per year across the filed fiscal years. Its solvency ranks better than 85% of 16989 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▲+3
Solvency100▲+15
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €260k at 30 days acceptable
Liquidity ample (current ratio 90.55 against 2.77 in 2024; short-term debt: 0.9% and cash: 4.7% of total assets), and 11.8% 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
88.2%
Return on assets
4.1%
Age of the figures
15 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 19-02-2026, 19 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
19 d late
2024
28 d late
2023
1 d early
2022
21 d late
2021
22 d late
2020
17 d late
2019
21 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€152k▲ 37.8%
2024 · €110k
2019: €1.67M
2020: €1.49M
2021: €238k
2022: €89k
2023: €140k
2024: €110k
2019 → 2025
Working capital
€3.08M▲ 5.0%
2024 · €2.93M
2019: €3.69M
2020: €4.40M
2021: €5.50M
2022: €4.29M
2023: €4.44M
2024: €2.93M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€5.50M-€4.47M▼ 18.7%€4.61M▲ 3.1%€3.09M▼ 32.9%€3.25M▲ 4.9%
Operating result€81k-€75k▼ 7.2%€101k▲ 34.0%€84k▼ 17.0%€102k▲ 21.7%
Net result€238k-€89k▼ 62.5%€140k▲ 57.3%€110k▼ 21.1%€152k▲ 37.8%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 22% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.68M
Fixed assets
€567k▲ 0.8%
Current assets
€3.11M▼ 32.1%
Equity and liabilities €3.68M
Equity
€3.25M▲ 4.9%
Debt
€434k▼ 78.8%
The debt ratio falls from 39.9% to 11.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€115k▲
2024 · €97k
Cash flow
€165k▲
2024 · €124k
Solvency
88.2%▲
2024 · 60.1%
Current ratio
90.55▲
2024 · 2.77
Quick ratio
90.55▲
2024 · 2.77
Debt / equity
0.13▼
2024 · 0.66
ROE
4.7%▲
2024 · 3.6%
ROA
4.1%▲
2024 · 2.1%
Interest coverage
9.28▲
2024 · 8.59
Debt
€434k▼
2024 · €2.05M
Debt ≤ 1 year
€34k▼
2024 · €1.65M
Debt > 1 year
€400k=
2024 · €400k
Income taxes
€45k▲
2024 · €43k
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€5.15M€3.68M▼
Fixed assets21/28€562k€567k▲
Tangible fixed assets22/27€562k€567k▲
Land and buildings22€560k€548k▼
Furniture and vehicles24€2k€969▼
Other tangible fixed assets26-€18k
Current assets29/58€4.59M€3.11M▼
Amounts receivable after more than one year29€1.71M€1.34M▼
Other amounts receivable291€1.71M€1.34M▼
Amounts receivable within one year40/41€729k€35k▼
Trade receivables40€33k€25k▼
Other amounts receivable41€696k€10k▼
Current investments50/53€1.52M€1.56M▲
Cash at bank and in hand54/58€607k€174k▼
Deferred charges and accrued income490/1€23k-
Equity and liabilities
Total equity and liabilities10/49€5.15M€3.68M▼
Equity10/15€3.09M€3.25M▲
Contributions10/11€45k€45k=
Reserves13€3.03M€3.18M▲
Distributable reserves133€3.03M€3.18M▲
Profit (loss) carried forward14€16k€17k▲
Amounts payable17/49€2.05M€434k▼
Amounts payable after more than one year17€400k€400k=
Financial debts170/4€400k€400k=
Amounts payable within one year42/48€1.65M€34k▼
Trade debts44€13k€15k▲
Suppliers440/4€13k€15k▲
Taxes, remuneration and social security45€7k€3k▼
Taxes450/3€7k€3k▼
Other amounts payable47/48€1.63M€16k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k▼
Other operating charges640/8€3k€3k▲
Gross operating margin9900€100k€118k▲
Operating profit (loss)9901€84k€102k▲
Financial income75/76B€81k€108k▲
Recurring financial income75€81k€108k▲
Financial charges65/66B€11k€12k▲
Recurring financial charges65€11k€12k▲
Profit (loss) for the period before taxes9903€153k€197k▲
Income taxes67/77€43k€45k▲
Profit (loss) for the period9904€110k€152k▲
Profit (loss) for the period to be appropriated9905€110k€152k▲
Appropriation of the result
Profit (loss) to be appropriated9906€126k€168k▲
Profit (loss) brought forward from the previous period14P€15k€16k▲
Transfer from equity791/2€1.63M-
Transfer to equity691/2€110k€150k▲
To other reserves6921€110k€150k▲
Profit to be distributed694/7€1.63M€1k▼
Return on contributions (dividend)694€1.63M-
Directors or managers695-€1k
The notes to these accounts (7 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
19-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 19 days late
2025
30-06
Financial
Liquidity times 33current ratio 90.55
Current ratio from 2.77 to 90.55; short-term debt falls from €1.65M to €34k.
28-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Liquidity times 23current ratio 118.09
Current ratio from 5.20 to 118.09; short-term debt falls from €1.02M to €38k.
21-02
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 21 days late
2022
30-06
Financial
Weakest financial yearnet €89k ▼62.5%
Net result drops to €89k, the lowest in the series; recovery starts the following year.
22-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
30-06
Financial
Liquidity times 5current ratio 74.10
Current ratio from 15.94 to 74.10; short-term debt falls from €295k to €75k.
17-02
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 17 days late
2020
30-06
Financial
Equity above €5MEq €5.26M ▲22.1%
2 profitable years in a row build equity to €5.26M.
21-02
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 21 days late
2019
26-02
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 26 days late
2018
21-02
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 21 days late
2017
30-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Brussel · 1 establishment unit since 2006
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.
Guimardstraat 151040 BrusselGround area
681 m²
Building footprint
522 m²
Volume, LiDAR
9,571 m³
2 parcels, Brussels · tallest building 30.2 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
BE - Clear
since 20062.158.011.161
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21805E0305/00D002 | Brussels | 541 m² | 1 · 441 m² | 30.2 m · 8 fl. |
| 21673D0072/00K006 | Brussels | 140 m² | 1 · 81 m² | 11.6 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
549300STECQZ0DUE8K29
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Of 3,211 companies in sector 62900 we hold annual accounts for 1,741. 391 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-11-2006
Fiscal year end30-06
Activities, NACEBEL
62900Other information technology and computer services
72600
Sources
Crossroads Bank for EnterprisesNational Bank · 18 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
2 entriesE-mail:ben.cardinael@skynet.be
Phone:0474/990.986