BKBS CONSULTANT
ActiveBKBS CONSULTANT has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €84k and a net result of €71k. Equity is growing by ~68.4% per year across the filed fiscal years. Its solvency ranks better than 18% of 12690 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70=
Solvency42▲+3
Growth78=
Track record94
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.61 against 0.93 in 2024; short-term debt: 38.2% and cash: 16.2% of total assets), and 82.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
17.1%
Return on assets
14.6%
Age of the figures
12 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 12690 sector peers (2025).
NBB · sector comparisonPosition among 12690 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 31-05-2026, 31 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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
1 d early
2023
on the day
2022
4 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€84k▲ 89.7%
2024 · €44k
2022: €5k
2023: €28k
2024: €44k
2022 → 2025
Total assets
€488k▲ 49.5%
2024 · €327k
2022: €61k
2023: €105k
2024: €327k
2022 → 2025
Net result
€71k▼ 3.0%
2024 · €74k
2022: €5k
2023: €24k
2024: €74k
2022 → 2025
Working capital
€-73k▼ 745%
2024 · €-9k
2022: €-10k
2023: €13k
2024: €-9k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€5k-€28k▲ 464%€44k▲ 56.0%€84k▲ 89.7%
Operating result€12k-€37k▲ 218%€152k▲ 316%€130k▼ 14.7%
Net result€5k-€24k▲ 434%€74k▲ 206%€71k▼ 3.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 15% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €488k
Fixed assets
€375k▲ 79.0%
Current assets
€113k▼ 3.3%
Equity and liabilities €488k
Equity
€84k▲ 89.7%
Debt
€405k▲ 43.2%
The debt ratio falls from 86.5% to 82.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€191k▲
2024 · €161k
Cash flow
€132k▲
2024 · €82k
Solvency
17.1%▲
2024 · 13.5%
Current ratio
0.61▼
2024 · 0.93
Quick ratio
0.61▼
2024 · 0.93
Debt / equity
4.83▼
2024 · 6.40
ROE
85.3%▼
2024 · 166.9%
ROA
14.6%▼
2024 · 22.5%
Interest coverage
3.93▲
2024 · 2.82
Debt
€405k▲
2024 · €282k
Debt ≤ 1 year
€186k▲
2024 · €126k
Debt > 1 year
€216k▲
2024 · €156k
Income taxes
€15k▼
2024 · €22k
Staff costs
€1k
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€327k€488k▲
Fixed assets21/28€209k€375k▲
Intangible fixed assets21€13k€11k▼
Tangible fixed assets22/27€197k€364k▲
Land and buildings22€183k€282k▲
Plant, machinery and equipment23-€12k
Furniture and vehicles24€5k€70k▲
Assets under construction and advance payments27€8k€0▼
Financial fixed assets28-€270
Current assets29/58€117k€113k▼
Amounts receivable within one year40/41€13k€9k▼
Trade receivables40€13k€9k▼
Cash at bank and in hand54/58€104k€79k▼
Deferred charges and accrued income490/1€83€25k▲
Equity and liabilities
Total equity and liabilities10/49€327k€488k▲
Equity10/15€44k€84k▲
Contributions10/11€1k€1k=
Reserves13€27k€27k=
Distributable reserves133€27k€27k=
Profit (loss) carried forward14-€0
Investment grants15€16k€55k▲
Amounts payable17/49€282k€405k▲
Amounts payable after more than one year17€156k€216k▲
Financial debts170/4€156k€216k▲
Amounts payable within one year42/48€126k€186k▲
Current portion of amounts payable after more than one year42€19k€54k▲
Trade debts44€5k€11k▲
Suppliers440/4€5k€11k▲
Advances received on contracts in progress46-€5k
Taxes, remuneration and social security45€16k€38k▲
Taxes450/3€16k€38k▲
Remuneration and social security454/9€160€40▼
Other amounts payable47/48€85k€78k▼
Accrued charges and deferred income492/3€673€2k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€1k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€61k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€162k€193k▲
Operating profit (loss)9901€152k€130k▼
Financial income75/76B€8€5k▲
Recurring financial income75€8€5k▲
Financial charges65/66B€57k€49k▼
Recurring financial charges65€57k€49k▼
Profit (loss) for the period before taxes9903€96k€86k▼
Income taxes67/77€22k€15k▼
Profit (loss) for the period9904€74k€71k▼
Profit (loss) for the period to be appropriated9905€74k€71k▼
Appropriation of the result
Profit (loss) to be appropriated9906€74k€71k▼
Profit to be distributed694/7€74k€71k▼
Return on contributions (dividend)694€74k€71k▼
The notes to these accounts (15 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
31-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2022net €74k ▲206%
Operating result €152k, net result €74k, both a record.
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
04-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 4 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2022
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
31-12-2022
Resigned as Director
Location & real-estate footprint
Registered office, Anderlecht · 1 establishment unit since 2024
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.
Edelweisslaan 171070 AnderlechtGround area
1,835 m²
Building footprint
549 m²
Volume, LiDAR
8,745 m³
2 parcels, Brussels · tallest building 22.3 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
BT ADVISORS
since 20242.357.042.788
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21007A0051/00R006 | Brussels | 1,694 m² | 1 · 483 m² | 22.3 m · 6 fl. |
| 21307E0213/00T004 | Brussels | 141 m² | 1 · 66 m² | 8.1 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.
Recognitions · licences · registrations
Legal Entity Identifier
254900P6JTGU2HKLBZ74
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Of 12,174 companies in sector 69201 we hold annual accounts for 7,638. 6,396 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-11-2020
Fiscal year end30-09
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.