BL GROUP
ActiveBL GROUP has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €123k and a net result of €-4k. Equity is growing by ~16.9% per year across the filed fiscal years. Its solvency ranks better than 62% of 9183 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability30▼-46
Solvency71=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity tight (current ratio 1.48 against 1.56 in 2024; short-term debt: 54.1% and cash: 0.3% of total assets), and 54.1% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 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 · 9 filingsDeviation from the deadline
2025
31 d late
2024
20 d late
2023
28 d late
2022
136 d early
2021
121 d late
2020
61 d late
2019
48 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, abbreviated schema
Equity
€123k▼ 3.3%
2024 · €127k
2018: €47k
2019: €61k
2020: €70k
2021: €59k
2022: €81k
2023: €112k
2024: €127k
2018 → 2025
Total assets
€268k▼ 2.6%
2024 · €275k
2018: €295k
2019: €517k
2020: €710k
2021: €680k
2022: €337k
2023: €288k
2024: €275k
2018 → 2025
Net result
€-4k
2024 · €15k
2018: €13k
2019: €22k
2020: €9k
2021: €-11k
2022: €22k
2023: €30k
2024: €15k
2018 → 2025
Working capital
€69k▼ 15.9%
2024 · €82k
2018: €83k
2019: €350k
2020: €541k
2021: €466k
2022: €28k
2023: €63k
2024: €82k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€59k-€81k▲ 38.0%€112k▲ 37.4%€127k▲ 13.7%€123k▼ 3.3%
Operating result€-5k-€35k€45k▲ 29.9%€30k▼ 33.3%€13k▼ 58.5%
Net result€-11k-€22k€30k▲ 35.9%€15k▼ 49.7%€-4k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 59% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €268k
Fixed assets
€54k▲ 18.3%
Current assets
€214k▼ 6.7%
Equity and liabilities €268k
Equity
€123k▼ 3.3%
Debt
€145k▼ 2.0%
The debt ratio rises from 53.7% to 54.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€17k▼
2024 · €34k
Cash flow
€289▼
2024 · €19k
Solvency
45.9%▼
2024 · 46.3%
Current ratio
1.48▼
2024 · 1.56
Quick ratio
1.41▲
2024 · 1.28
Debt / equity
1.18▲
2024 · 1.16
ROE
-3.4%▼
2024 · 12.1%
ROA
-1.6%▼
2024 · 5.6%
Interest coverage
1.62▼
2024 · 7.53
Debt
€145k▼
2024 · €148k
Debt ≤ 1 year
€145k▼
2024 · €147k
Income taxes
€6k▲
2024 · €410
Staff costs
€21k▲
2024 · €19k
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€275k€268k▼
Fixed assets21/28€46k€54k▲
Tangible fixed assets22/27€45k€54k▲
Plant, machinery and equipment23€5k€8k▲
Furniture and vehicles24€40k€46k▲
Financial fixed assets28€250€250=
Current assets29/58€229k€214k▼
Stocks and contracts in progress3€42k€10k▼
Stocks30/36€42k€10k▼
Amounts receivable within one year40/41€162k€204k▲
Trade receivables40€103k€133k▲
Other amounts receivable41€59k€71k▲
Cash at bank and in hand54/58€26k€858▼
Equity and liabilities
Total equity and liabilities10/49€275k€268k▼
Equity10/15€127k€123k▼
Contributions10/11€19k€19k=
Reserves13€12k€12k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€10k€10k=
Profit (loss) carried forward14€97k€93k▼
Amounts payable17/49€148k€145k▼
Amounts payable within one year42/48€147k€145k▼
Current portion of amounts payable after more than one year42€21k€17k▼
Financial debts43€25k€48k▲
Credit institutions430/8€25k€48k▲
Trade debts44€88k€10k▼
Suppliers440/4€88k€10k▼
Taxes, remuneration and social security45€11k€35k▲
Taxes450/3€879€1k▲
Remuneration and social security454/9€10k€34k▲
Other amounts payable47/48€4k€35k▲
Accrued charges and deferred income492/3€566-
Income statement
Code20242025
Remuneration, social security and pensions62€19k€21k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Other operating charges640/8€1k€7k▲
Non-recurring operating charges66A-€7k
Gross operating margin9900€55k€51k▼
Operating profit (loss)9901€30k€13k▼
Financial income75/76B€1-
Recurring financial income75€1-
Financial charges65/66B€15k€10k▼
Recurring financial charges65€5k€10k▲
Non-recurring financial charges66B€10k-
Profit (loss) for the period before taxes9903€16k€2k▼
Income taxes67/77€410€6k▲
Profit (loss) for the period9904€15k€-4k▼
Profit (loss) for the period to be appropriated9905€15k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€97k€93k▼
Profit (loss) brought forward from the previous period14P€81k€97k▲
Social balance
Average headcount (FTE)9087-0.5
The notes to these accounts (7 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Highest result since 2018net €30k ▲35.9%
Operating result €45k, net result €30k, both a record.
31-12
Financial
Equity above €100kEq €112k ▲37.4%
2 profitable years in a row build equity to €112k.
17-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
29-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 121 days late
2021
31-12
Financial
Weakest financial yearnet €-11k ▼226%
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
17-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 48 days late
2019
31-12
Financial
Liquidity triplescurrent ratio 3.71
Current ratio from 1.46 to 3.71; short-term debt falls from €183k to €129k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
22-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Dilbeek · 1 establishment unit since 2016
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.
Merelzanglaan 261701 DilbeekGround area
1,041 m²
Building footprint
151 m²
Volume, LiDAR
971 m³
Parcel 23037B0260/00H004, Flanders · tallest building 15.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Merelzanglaan 26, 1701 Dilbeek
since 20162.259.910.453
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23037B0260/00H004 | Flanders | 1,041 m² | 1 · 151 m² | 15.3 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.
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Of 9,695 companies in sector 68121 we hold annual accounts for 7,383. 5,344 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-12-2016
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
68121Development of residential building projects
68122Development of non-residential building projects
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.