BEB
ActiveBEB has been active since 1976 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €305k and a net result of €47k. Equity is growing by ~4.4% per year across the filed fiscal years. Its solvency ranks better than 65% of 12690 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▲+8
Solvency95▲+10
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 3.52 against 4.85 in 2024; short-term debt: 12.6% and cash: 20.5% of total assets), and 29.7% 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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
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
70.3%
Return on assets
10.9%
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 01-06-2026, 60 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
60 d early
2024
90 d early
2023
22 d late
2022
53 d early
2021
54 d early
2020
23 d early
2019
33 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€305k▼ 3.0%
2024 · €315k
2018: €201k
2019: €234k
2020: €280k
2021: €303k
2022: €315k
2023: €311k
2024: €315k
2018 → 2025
Total assets
€434k▼ 17.3%
2024 · €525k
2018: €453k
2019: €397k
2020: €321k
2021: €360k
2022: €363k
2023: €365k
2024: €525k
2018 → 2025
Net result
€47k▲ 136%
2024 · €20k
2018: €47k
2019: €32k
2020: €47k
2021: €22k
2022: €12k
2023: €-4k
2024: €20k
2018 → 2025
Working capital
€138k▼ 34.8%
2024 · €212k
2018: €118k
2019: €136k
2020: €265k
2021: €291k
2022: €275k
2023: €267k
2024: €212k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€303k-€315k▲ 4.0%€311k▼ 1.2%€315k▲ 1.2%€305k▼ 3.0%
Operating result€34k-€19k▼ 43.1%€-2k€37k€78k▲ 110%
Net result€22k-€12k▼ 46.0%€-4k€20k€47k▲ 136%
Turnover and EBIT margin not published: the 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 110% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €434k
Fixed assets
€241k▼ 6.6%
Current assets
€193k▼ 27.7%
Equity and liabilities €434k
Equity
€305k▼ 3.0%
Debt
€129k▼ 38.7%
The debt ratio falls from 40.1% to 29.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€103k▲
2024 · €62k
Cash flow
€72k▲
2024 · €45k
Solvency
70.3%▲
2024 · 59.9%
Current ratio
3.52▼
2024 · 4.85
Quick ratio
3.52▼
2024 · 4.85
Debt / equity
0.42▼
2024 · 0.67
ROE
15.5%▲
2024 · 6.4%
ROA
10.9%▲
2024 · 3.8%
Interest coverage
14.12▲
2024 · 8.25
Debt
€129k▼
2024 · €211k
Debt ≤ 1 year
€55k▼
2024 · €55k
Debt > 1 year
€74k▼
2024 · €156k
Income taxes
€24k▲
2024 · €10k
Staff costs
€117k▲
2024 · €99k
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€525k€434k▼
Fixed assets21/28€258k€241k▼
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€258k€241k▼
Land and buildings22€223k€217k▼
Plant, machinery and equipment23€1k€1k=
Furniture and vehicles24€33k€22k▼
Other tangible fixed assets26€565€565=
Financial fixed assets28€62€62=
Current assets29/58€267k€193k▼
Amounts receivable within one year40/41€159k€102k▼
Trade receivables40€115k€90k▼
Other amounts receivable41€44k€12k▼
Cash at bank and in hand54/58€105k€89k▼
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€525k€434k▼
Equity10/15€315k€305k▼
Contributions10/11€19k€17k▼
Outside capital11-€17k
Other1109/19-€17k
Reserves13€142k€135k▼
Tax-exempt reserves132€6k€6k=
Distributable reserves133€136k€129k▼
Profit (loss) carried forward14€154k€154k=
Amounts payable17/49€211k€129k▼
Amounts payable after more than one year17€156k€74k▼
Financial debts170/4€156k€74k▼
Amounts payable within one year42/48€55k€55k▼
Current portion of amounts payable after more than one year42€13k€12k▼
Trade debts44€19k€19k▲
Suppliers440/4€19k€19k▲
Taxes, remuneration and social security45€23k€24k▲
Taxes450/3€13k€13k▼
Remuneration and social security454/9€10k€11k▲
Income statement
Code20242025
Remuneration, social security and pensions62€99k€117k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€25k▼
Other operating charges640/8€9k€3k▼
Gross operating margin9900€171k€223k▲
Operating profit (loss)9901€37k€78k▲
Financial income75/76B€0€157▲
Recurring financial income75€0€157▲
Financial charges65/66B€8k€7k▼
Recurring financial charges65€8k€7k▼
Profit (loss) for the period before taxes9903€30k€71k▲
Income taxes67/77€10k€24k▲
Profit (loss) for the period9904€20k€47k▲
Profit (loss) for the period to be appropriated9905€20k€47k▲
Appropriation of the result
Profit (loss) to be appropriated9906€174k€201k▲
Profit (loss) brought forward from the previous period14P€154k€154k=
Transfer from equity791/2€16k€55k▲
Transfer to equity691/2€20k€47k▲
To the legal reserve6920€20k€47k▲
Profit to be distributed694/7€16k€55k▲
Return on contributions (dividend)694€16k€55k▲
The notes to these accounts (8 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
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
02-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2023
31-12
Financial
Weakest financial yearnet €-4k ▼131%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
08-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity doublescurrent ratio 7.55
Current ratio from 3.43 to 7.55; short-term debt falls from €56k to €40k.
02-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 33 days late
2019
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
14-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
12-06
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.
Directors · office · real estate
Directors
6 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, Waterloo · 1 establishment unit since 1976
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.
Rue Fond Vandenbosch 11410 WaterlooGround area
711 m²
Building footprint
350 m²
Volume, LiDAR
3,103 m³
Parcel 25110A0473/00A000, Wallonia · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue Fond Vandenbosch 1, 1410 Waterloo
since 19762.223.080.840
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25110A0473/00A000 | Wallonia | 711 m² | 1 · 350 m² | 11.0 m · 3 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.
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FIDUCIAIRE VS COMPTA
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Estaimpuis · Eq €305k
Q.P.A.
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MEIRE ACCOUNTANCY
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Of 12,174 companies in sector 69201 we hold annual accounts for 7,638. 6,054 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-01-1976
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
74121
74122
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
4 entriesE-mail:abc@beb-tax.be
Phone:027349017
E-mail:beb@beb-tax.be
Fax:02/734.00.83