BELACCOUNT
ActiveBELACCOUNT has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €231k and a net result of €8k. Equity is growing by ~3% per year across the filed fiscal years. Its solvency ranks better than 42% of 3253 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
82
/ 100
Excellent▲ +27 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability17▲+17
Solvency63▲+4
Growth52=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity tight (current ratio 1.35 against 1.31 in 2024), and 65.1% 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
34.9%
Return on assets
1.2%
Age of the figures
8 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 23-08-2026, 23 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
23 d late
2024
30 d late
2023
31 d late
2022
31 d late
2021
30 d late
2020
9 d late
2019
92 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€231k▲ 3.5%
2024 · €224k
2018: €201k
2019: €209k
2020: €214k
2021: €224k
2022: €246k
2023: €253k
2024: €224k
2018 → 2025
Total assets
€663k▼ 1.6%
2024 · €673k
2018: €493k
2019: €604k
2020: €611k
2021: €616k
2022: €620k
2023: €702k
2024: €673k
2018 → 2025
Net result
€8k
2024 · €-29k
2018: €13k
2019: €8k
2020: €2k
2021: €9k
2022: €24k
2023: €7k
2024: €-29k
2018 → 2025
Working capital
€102k▲ 20.4%
2024 · €85k
2018: €156k
2019: €109k
2020: €112k
2021: €119k
2022: €143k
2023: €110k
2024: €85k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€224k-€246k▲ 9.9%€253k▲ 2.8%€224k▼ 11.5%€231k▲ 3.5%
Operating result€17k-€35k▲ 102%€15k▼ 58.5%€-22k€14k
Net result€9k-€24k▲ 156%€7k▼ 72.0%€-29k€8k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €14k after a loss of €22k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €663k
Fixed assets
€268k▼ 15.7%
Current assets
€395k▲ 11.0%
Equity and liabilities €663k
Equity
€231k▲ 3.5%
Debt
€431k▼ 4.1%
The debt ratio falls from 66.8% to 65.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€64k▲
2024 · €28k
Cash flow
€58k▲
2024 · €21k
Solvency
34.9%▲
2024 · 33.2%
Current ratio
1.35▲
2024 · 1.31
Quick ratio
1.35▲
2024 · 1.31
Debt / equity
1.87▼
2024 · 2.01
ROE
3.3%▲
2024 · -12.9%
ROA
1.2%▲
2024 · -4.3%
Interest coverage
12.35▲
2024 · 4.57
Debt
€431k▼
2024 · €450k
Debt ≤ 1 year
€293k▲
2024 · €271k
Debt > 1 year
€138k▼
2024 · €179k
Income taxes
€1k▲
2024 · €632
Staff costs
€40k▲
2024 · €39k
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€673k€663k▼
Fixed assets21/28€318k€268k▼
Tangible fixed assets22/27€318k€268k▼
Land and buildings22€143k€131k▼
Plant, machinery and equipment23€61k€54k▼
Furniture and vehicles24€113k€83k▼
Current assets29/58€356k€395k▲
Amounts receivable within one year40/41€312k€332k▲
Trade receivables40€290k€304k▲
Other amounts receivable41€22k€28k▲
Cash at bank and in hand54/58€44k€63k▲
Equity and liabilities
Total equity and liabilities10/49€673k€663k▼
Equity10/15€224k€231k▲
Contributions10/11€13k€13k=
Reserves13€2k€9k▲
Distributable reserves133€2k€9k▲
Profit (loss) carried forward14€209k€209k▲
Amounts payable17/49€450k€431k▼
Amounts payable after more than one year17€179k€138k▼
Financial debts170/4€179k€138k▼
Amounts payable within one year42/48€271k€293k▲
Current portion of amounts payable after more than one year42€40k€40k▲
Trade debts44€12k€17k▲
Suppliers440/4€12k€17k▲
Taxes, remuneration and social security45€27k€28k▲
Taxes450/3€22k€23k▲
Remuneration and social security454/9€5k€5k▲
Other amounts payable47/48€192k€208k▲
Income statement
Code20242025
Remuneration, social security and pensions62€39k€40k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€50k€50k▼
Other operating charges640/8€4k€4k▼
Gross operating margin9900€71k€108k▲
Operating profit (loss)9901€-22k€14k▲
Financial income75/76B€10€0▼
Recurring financial income75€10€0▼
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€-28k€9k▲
Income taxes67/77€632€1k▲
Profit (loss) for the period9904€-29k€8k▲
Profit (loss) for the period to be appropriated9905€-29k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€209k€217k▲
Profit (loss) brought forward from the previous period14P€238k€209k▼
Transfer to equity691/2-€8k
To other reserves6921-€8k
Social balance
Average headcount (FTE)90870.90.9=
The notes to these accounts (9 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
23-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 23 days late
10-08
State Gazette act
Incorporation · Founder
Corporate purpose · Founding capital
30-03
State Gazette act
General meeting · Approval
Director resignation · Director discharge
2025
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 30 days late
2024
31-12
Financial
Weakest financial yearnet €-29k ▼527%
Net result drops to €-29k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 31 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
31-12
Financial
Highest result since 2018net €24k ▲156%
Operating result €35k, net result €24k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
09-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 9 days late
2020
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 92 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 61 days late
2018
25-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 56 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2022
Raoul De Backer
CurrentDirector · since 18-05-2022
18-05-2022
Appointed as Director
Location & real-estate footprint
Registered office, Erpe-Mere · 2 establishment units since 2008
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.
Kapelleveldstraat 19420 Erpe-MereGround area
3,056 m²
Building footprint
1,013 m²
Volume, LiDAR
7,218 m³
2 parcels, Flanders · tallest building 27.6 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Kapelleveldstraat 1, 9420 Erpe-Mere
since 20082.174.135.531
Sint Jobstraat 153, 9300 Aalst
since 20202.298.296.125
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41002B0178/00X002 | Flanders | 2,006 m² | 1 · 831 m² | 27.6 m |
| 41040B0605/00G000 | Flanders | 1,049 m² | 1 · 182 m² | 9.4 m · 2 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.
Similar companies · same sector, comparable size
HS&P
BE 0440.261.917
Hasselt · Eq €231k
MAFRA IMMO
BE 0436.353.609
Braine-l'Alleud · Eq €231k
Vanbreda Accounting Services
BE 0561.946.932
Leuven · Eq €231k
Management Tax Partners
BE 0439.913.311
Rixensart · Eq €231k
STEVIGNY CONSULTING
BE 0878.745.665
Braine-l'Alleud · Eq €232k
Of 12,122 companies in sector 69201 we hold annual accounts for 7,600. 6,227 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-01-2005
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
74124
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
4 entriesE-mail:rudy.de.heel@belaccount.be
Phone:053/417389
Fax:053/417389
Phone:+3253417389