Bonds
ActiveBonds has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €223k and a net result of €163k. Equity is growing by ~69.3% per year across the filed fiscal years. Its solvency ranks better than 64% of 2283 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+94
Solvency96▲+45
Growth52▲+20
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 12.31 against 1.26 in 2023; short-term debt: 4.7% and cash: 9.2% of total assets), and 29.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 63
Relative position
BE, all sectors
reference
Sector 63
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
70.7%
Return on assets
51.5%
Age of the figures
21 mo
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 08-07-2025, 23 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
23 d early
2023
28 d late
2022
29 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€223k▲ 268%
2023 · €61k
2022: €94k
2023: €61k
2022 → 2024
Total assets
€316k▲ 37.4%
2023 · €230k
2022: €186k
2023: €230k
2022 → 2024
Net result
€163k
2023 · €-24k
2022: €167k
2023: €-24k
2022 → 2024
Working capital
€169k▲ 680%
2023 · €22k
2022: €81k
2023: €22k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€94k-€61k▼ 35.1%€223k▲ 268%
Operating result€228k-€-20k€219k
Net result€167k-€-24k€163k
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 2024: €219k after a loss of €20k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €316k
Fixed assets
€131k▲ 4.8%
Current assets
€184k▲ 76.6%
Equity and liabilities €316k
Equity
€223k▲ 268%
Debt
€92k▼ 45.3%
The debt ratio falls from 73.6% to 29.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€227k▲
2023 · €-16k
Cash flow
€171k▲
2023 · €-20k
Solvency
70.7%▲
2023 · 26.4%
Current ratio
12.31▲
2023 · 1.26
Quick ratio
12.31▲
2023 · 1.26
Debt / equity
0.41▼
2023 · 2.78
ROE
72.8%▲
2023 · -39.1%
ROA
51.5%▲
2023 · -10.3%
Interest coverage
45.42▲
2023 · -3.26
Debt
€92k▼
2023 · €169k
Debt ≤ 1 year
€15k▼
2023 · €83k
Debt > 1 year
€77k▼
2023 · €86k
Income taxes
€52k▲
2023 · €153
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€230k€316k▲
Fixed assets21/28€125k€131k▲
Tangible fixed assets22/27€125k€131k▲
Land and buildings22€114k€111k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€8k€17k▲
Current assets29/58€104k€184k▲
Amounts receivable within one year40/41€24k€62k▲
Trade receivables40€16k€32k▲
Other amounts receivable41€8k€30k▲
Current investments50/53€60k€90k▲
Cash at bank and in hand54/58€16k€29k▲
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€230k€316k▲
Equity10/15€61k€223k▲
Contributions10/11€5k€5k=
Reserves13€45k€75k▲
Distributable reserves133€45k€75k▲
Profit (loss) carried forward14€11k€143k▲
Amounts payable17/49€169k€92k▼
Amounts payable after more than one year17€86k€77k▼
Financial debts170/4€86k€77k▼
Amounts payable within one year42/48€83k€15k▼
Current portion of amounts payable after more than one year42€9k€9k▲
Financial debts43€3k€928▼
Credit institutions430/8€3k€928▼
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€60k€1k▼
Taxes450/3€60k€1k▼
Other amounts payable47/48€9k€3k▼
Accrued charges and deferred income492/3-€74
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€8k▲
Other operating charges640/8€0€439▲
Gross operating margin9900€-16k€227k▲
Operating profit (loss)9901€-20k€219k▲
Financial income75/76B€1k€1k▲
Recurring financial income75€1k€1k▲
Financial charges65/66B€5k€5k▲
Recurring financial charges65€5k€5k▲
Profit (loss) for the period before taxes9903€-24k€215k▲
Income taxes67/77€153€52k▲
Profit (loss) for the period9904€-24k€163k▲
Profit (loss) for the period to be appropriated9905€-24k€163k▲
Appropriation of the result
Profit (loss) to be appropriated9906€20k€173k▲
Profit (loss) brought forward from the previous period14P€44k€11k▼
Transfer to equity691/2€0€30k▲
To contributions691€0-
To other reserves6921-€30k
Profit to be distributed694/7€9k€0▼
Return on contributions (dividend)694€9k€0▼
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €163k
Net result €163k after one loss-making year.
31-12
Financial
Liquidity times 10current ratio 12.31
Current ratio from 1.26 to 12.31; short-term debt falls from €83k to €15k.
31-12
Financial
Equity above €200kEq €223k ▲268%
Equity rises from €61k to €223k.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Weakest financial yearnet €-24k ▼114%
Net result drops to €-24k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Beersel · 1 establishment unit since 2022
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.
Duvelsborreweg 41653 BeerselGround area
1.0 ha
Building footprint
149 m²
Parcel 23017D0091/00B000, Flanders. Linked by address, not a title deed.
1 establishment unit
Bonds
since 20222.328.714.236
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23017D0091/00B000 | Flanders | 1.0 ha | 1 · 149 m² | - |
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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ASSETIA
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Of 3,151 companies in sector 63920 we hold annual accounts for 1,523. 1,164 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-02-2022
Fiscal year end31-12
Activities, NACEBEL
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.