BOBBER
ActiveBOBBER has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €79k and a net result of €31k. Equity is shrinking by ~9.8% per year across the filed fiscal years. Its solvency ranks better than 43% of 31061 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
94
/ 100
Excellent▲ +56 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency90▲+37
Growth58▲+26
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 1.92 against 0.72 in 2024), but 52.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 70
Relative position
BE, all sectors
reference
Sector 70
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
47.2%
Return on assets
18.4%
Age of the figures
8 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 27-05-2026, 65 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
65 d early
2024
122 d early
2023
117 d early
2022
56 d early
2021
48 d early
2020
32 d early
2019
52 d early
← 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
06-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€79k▲ 19.3%
2024 · €66k
2019: €118k
2020: €128k
2021: €141k
2022: €80k
2023: €78k
2024: €66k
2019 → 2025
Total assets
€167k▼ 3.0%
2024 · €172k
2019: €244k
2020: €247k
2021: €254k
2022: €272k
2023: €219k
2024: €172k
2019 → 2025
Net result
€31k
2024 · €-12k
2019: €19k
2020: €10k
2021: €13k
2022: €9k
2023: €15k
2024: €-12k
2019 → 2025
Working capital
€15k
2024 · €-7k
2019: €74k
2020: €89k
2021: €95k
2022: €32k
2023: €17k
2024: €-7k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€141k-€80k▼ 43.0%€78k▼ 2.8%€66k▼ 15.2%€79k▲ 19.3%
Operating result€22k-€19k▼ 10.4%€27k▲ 37.7%€-9k€43k
Net result€13k-€9k▼ 28.3%€15k▲ 71.0%€-12k€31k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €43k after a loss of €9k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €167k
Fixed assets
€136k▼ 11.8%
Current assets
€30k▲ 75.5%
Equity and liabilities €167k
Equity
€79k▲ 19.3%
Debt
€88k▼ 17.0%
The debt ratio falls from 61.6% to 52.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€62k▲
2024 · €10k
Cash flow
€49k▲
2024 · €7k
Solvency
47.2%▲
2024 · 38.4%
Current ratio
1.92▲
2024 · 0.72
Quick ratio
1.92▲
2024 · 0.72
Debt / equity
1.12▼
2024 · 1.60
ROE
39.0%▲
2024 · -17.9%
ROA
18.4%▲
2024 · -6.9%
Interest coverage
18.07▲
2024 · 3.27
Debt
€88k▼
2024 · €106k
Debt ≤ 1 year
€16k▼
2024 · €24k
Debt > 1 year
€72k▼
2024 · €82k
Income taxes
€9k▲
2024 · €140
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
Total assets
20/58€172k€167k▼
Fixed assets
21/28€155k€136k▼
Intangible fixed assets
21€1k€245▼
Tangible fixed assets
22/27€153k€136k▼
Financial fixed assets
28€225€225=
Current assets
29/58€17k€30k▲
Amounts receivable within one year
40/41€10k€22k▲
Cash & bank
54/58€5k€6k▲
Total equity & liabilities
10/49€172k€167k▼
Equity
10/15€66k€79k▲
Contributions / capital
10/11€12k€12k=
Reserves
13€65k€66k▲
Accumulated profits (losses)
14€-12k-
Amounts payable
17/49€106k€88k▼
Amounts payable after one year
17€82k€72k▼
Amounts payable within one year
42/48€24k€16k▼
Trade debts payable within one year
44€2k€1k▼
Income statement
Code20242025
Gross operating margin
9900€12k€63k▲
Operating result
9901€-9k€43k▲
Financial income
75€0€12▲
Financial charges
65€3k€3k▲
Result before taxes
9903€-12k€40k▲
Income taxes
67/77€140€9k▲
Net result for the period
9904€-12k€31k▲
Result to be appropriated
9905€-12k€31k▲
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €31k
Net result €31k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 1.92
Current ratio from 0.72 to 1.92; short-term debt falls from €24k to €16k.
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-12k ▼177%
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
05-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
05-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
13-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity doublescurrent ratio 14.33
Current ratio from 6.68 to 14.33; short-term debt falls from €13k to €7k.
09-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
18-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
13-06
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.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
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Of 82,136 companies in sector 70200 we hold annual accounts for 51,754. 39,510 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-04-2010
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
68201Renting and operating of own or leased residential real estate, excluding social housing
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 21-08-2026. Scores and ratios are computed by Checked and are not a credit decision.