BKR
ActiveBKR has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €216k and a net result of €55k. Equity is growing by ~24.4% per year across the filed fiscal years. Its solvency ranks better than 52% of 9980 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
94
/ 100
Excellent= vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+13
Solvency89▲+10
Growth78=
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity ample (current ratio 3.78 against 3.17 in 2023), but 56.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-06-2025, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
31 d early
2023
34 d early
2022
34 d early
2021
25 d late
2020
36 d early
2019
42 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€216k▲ 31.0%
2023 · €165k
2018: €33k
2019: €77k
2020: €97k
2021: €124k
2022: €140k
2023: €165k
2018 → 2024
Total assets
€493k▲ 8.1%
2023 · €456k
2018: €64k
2019: €111k
2020: €134k
2021: €188k
2022: €691k
2023: €456k
2018 → 2024
Net result
€55k▲ 90.3%
2023 · €29k
2018: €15k
2019: €48k
2020: €23k
2021: €30k
2022: €19k
2023: €29k
2018 → 2024
Working capital
€154k▲ 27.8%
2023 · €121k
2018: €30k
2019: €76k
2020: €97k
2021: €118k
2022: €99k
2023: €121k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€97k-€124k▲ 27.9%€140k▲ 12.4%€165k▲ 18.2%€216k▲ 31.0%
Operating result€45k-€54k▲ 20.5%€30k▼ 43.8%€52k▲ 72.3%€93k▲ 78.1%
Net result€23k-€30k▲ 29.9%€19k▼ 38.7%€29k▲ 54.8%€55k▲ 90.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 78% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €493k
Fixed assets
€283k▲ 1.3%
Current assets
€210k▲ 18.9%
Equity and liabilities €493k
Equity
€216k▲ 31.0%
Debt
€277k▼ 4.9%
The debt ratio falls from 63.8% to 56.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€115k▲
2023 · €73k
Cash flow
€78k▲
2023 · €49k
Solvency
43.9%▲
2023 · 36.2%
Current ratio
3.78▲
2023 · 3.17
Quick ratio
3.69▲
2023 · 2.35
Debt / equity
1.28▼
2023 · 1.76
ROE
25.3%▲
2023 · 17.4%
ROA
11.1%▲
2023 · 6.3%
Interest coverage
5.11▲
2023 · 3.58
Debt
€277k▼
2023 · €291k
Debt ≤ 1 year
€55k▼
2023 · €56k
Debt > 1 year
€221k▼
2023 · €235k
Income taxes
€22k▲
2023 · €3k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€456k€493k▲
Fixed assets21/28€279k€283k▲
Tangible fixed assets22/27€279k€283k▲
Land and buildings22€248k€238k▼
Plant, machinery and equipment23€31k€34k▲
Furniture and vehicles24-€11k
Current assets29/58€176k€210k▲
Stocks and contracts in progress3€45k€5k▼
Stocks30/36€5k€5k▼
Contracts in progress37€40k-
Amounts receivable within one year40/41€42k€51k▲
Trade receivables40€1k€45k▲
Other amounts receivable41€41k€6k▼
Cash at bank and in hand54/58€86k€135k▲
Deferred charges and accrued income490/1€3k€19k▲
Equity and liabilities
Total equity and liabilities10/49€456k€493k▲
Equity10/15€165k€216k▲
Contributions10/11€6k€6k=
Reserves13€159k€210k▲
Distributable reserves133€159k€210k▲
Amounts payable17/49€291k€277k▼
Amounts payable after more than one year17€235k€221k▼
Financial debts170/4€235k€221k▼
Amounts payable within one year42/48€56k€55k▼
Current portion of amounts payable after more than one year42€14k€14k▲
Trade debts44€32k€9k▼
Suppliers440/4€32k€9k▼
Taxes, remuneration and social security45€2k€24k▲
Taxes450/3€2k€24k▲
Other amounts payable47/48€8k€8k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€23k▲
Other operating charges640/8€779€822▲
Gross operating margin9900€73k€116k▲
Operating profit (loss)9901€52k€93k▲
Financial income75/76B-€7k
Recurring financial income75-€7k
Financial charges65/66B€20k€23k▲
Recurring financial charges65€20k€23k▲
Profit (loss) for the period before taxes9903€32k€77k▲
Income taxes67/77€3k€22k▲
Profit (loss) for the period9904€29k€55k▲
Profit (loss) for the period to be appropriated9905€29k€55k▲
Appropriation of the result
Profit (loss) to be appropriated9906€29k€55k▲
Transfer from equity791/2-€4k
Transfer to equity691/2€25k€55k▲
To other reserves6921€25k€55k▲
Profit to be distributed694/7€3k€4k▲
Return on contributions (dividend)694€3k€4k▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €55k ▲90.3%
Operating result €93k, net result €55k, both a record.
31-12
Financial
Equity above €200kEq €216k ▲31%
7 profitable years in a row build equity to €216k.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 3.17
Current ratio from 1.33 to 3.17; short-term debt falls from €303k to €56k.
31-12
Financial
Equity above €150kEq €165k ▲18.2%
6 profitable years in a row build equity to €165k.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
31-12
Financial
Equity above €100kEq €124k ▲27.9%
4 profitable years in a row build equity to €124k.
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
11-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 42 days late
2019
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Hasselt · 1 establishment unit since 2012
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.
Spelvojestraat 203500 HasseltGround area
540 m²
Building footprint
186 m²
Volume, LiDAR
903 m³
Parcel 71323C0791/00N000, Flanders · tallest building 6.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BKR
since 20122.214.579.482
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71323C0791/00N000 | Flanders | 540 m² | 1 · 186 m² | 6.5 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 197 EUR awarded · 197 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 197 EUR | 197 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,551 companies in sector 41001 we hold annual accounts for 15,874. 11,790 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-11-2012
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.