BE-SA
ActiveSummary
The computed 12-month bankruptcy probability of BE-SA is 1.7% (moderate). The 2025 annual accounts show equity of €17k and a net result of €-903. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 95% of 7453 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability24▲+3
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
cash: 83.2% of total assets, and 0% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
100%
Return on assets
-5.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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
28 d late
2024
30 d late
2023
29 d late
2022
7 d early
2021
31 d late
2020
30 d late
2019
145 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-903▲ 31.8%
2024 · €-1k
2018: €-969
2019: €-851
2020: €-708
2021: €-5k
2022: €-2k
2023: €25k
2024: €-1k
2018 → 2025
Working capital
€18k▼ 7.0%
2023 · €19k
2018: €2k
2019: €853
2020: €145
2021: €-5k
2022: €-6k
2023: €19k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-5k-€-6k▼ 39.8%€19k€18k▼ 7.0%€17k▼ 5.1%
Operating result€-5k-€-2k▲ 62.5%€28k€-1k€-891▲ 31.0%
Net result€-5k-€-2k▲ 61.4%€25k€-1k€-903▲ 31.8%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €891 in 2025 against €1k in 2024; the loss shrinks.
Key figures and ratios
Solvency
100.0%▲
2024 · 86.7%
ROE
-5.4%▲
2024 · -7.5%
ROA
-5.4%▲
2024 · -6.5%
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 26 lines
Balance sheet
Code20242025
Assets
Total assets20/58€20k€17k▼
Current assets29/58€20k€17k▼
Amounts receivable within one year40/41€19k€3k▼
Trade receivables40€201€138▼
Other amounts receivable41€19k€3k▼
Cash at bank and in hand54/58€1k€14k▲
Equity and liabilities
Total equity and liabilities10/49€20k€17k▼
Equity10/15€18k€17k▼
Contributions10/11€6k€6k=
Profit (loss) carried forward14€11k€10k▼
Amounts payable17/49€3k-
Amounts payable within one year42/48€3k-
Taxes, remuneration and social security45€3k-
Taxes450/3€3k-
Income statement
Code20242025
Other operating charges640/8€347€100▼
Gross operating margin9900€-943€-791▲
Operating profit (loss)9901€-1k€-891▲
Financial income75/76B€127€178▲
Recurring financial income75€127€178▲
Financial charges65/66B€161€190▲
Recurring financial charges65€161€190▲
Profit (loss) for the period before taxes9903€-1k€-903▲
Profit (loss) for the period9904€-1k€-903▲
Profit (loss) for the period to be appropriated9905€-1k€-903▲
Appropriation of the result
Profit (loss) to be appropriated9906€11k€10k▼
Profit (loss) brought forward from the previous period14P€13k€11k▼
The notes to these accounts (3 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-12
Financial
Liquidity doublescurrent ratio 7.50
Current ratio from 3.64 to 7.50; short-term debt falls from €7k to €3k.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Back to profitnet €25k
Net result €25k after 5 loss-making years.
31-12
Financial
Liquidity times 6current ratio 3.64
Current ratio from 0.61 to 3.64; short-term debt falls from €16k to €7k.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Weakest financial yearnet €-5k
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
23-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 145 days late
2019
09-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 9 days late
2018
13-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 13 days late
2017
08-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 8 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
10 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, Koekelberg · 1 establishment unit since 2011
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.
Jean Jacquetstraat 321081 KoekelbergGround area
519 m²
Building footprint
521 m²
Volume, LiDAR
4,055 m³
Parcel 21492B0155/00L003, Brussels · tallest building 16.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BE-SA
since 20112.202.378.565
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21492B0155/00L003 | Brussels | 519 m² | 1 · 521 m² | 16.8 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.
Similar companies · same sector, comparable size
Winsmarc
BE 0695.820.095
Antwerpen · Eq €16,739
DENBO HOLDING
BE 0690.584.570
Ukkel · Eq €16,744
SBCA
BE 0728.486.232
Affligem · Eq €16,744
PROJECT 1C
BE 0818.556.769
Lier · Eq €16,753
CAPI CONSTRUCT
BE 0460.604.302
Sambreville · Eq €16,755
Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 11,032 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-02-2011
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.