BOOKS AT WORK
ActiveBOOKS AT WORK is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €58k and a net result of €-48k. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 87% of 7980 sector peers (fiscal year 2025). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 04-06-2026, 57 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
57 d early
2024
8 d late
2023
2 d early
2022
45 d early
2021
31 d early
2020
22 d early
2019
118 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€58k▼ 45.6%
2024 · €106k
2018: €89k
2019: €91k
2020: €60k
2021: €67k
2022: €95k
2023: €98k
2024: €106k
2018 → 2025
Net result
€-48k
2024 · €8k
2018: €11k
2019: €2k
2020: €-9k
2021: €8k
2022: €28k
2023: €3k
2024: €8k
2018 → 2025
Total assets
€65k▼ 42.4%
2024 · €112k
2018: €108k
2019: €102k
2020: €75k
2021: €97k
2022: €116k
2023: €121k
2024: €112k
2018 → 2025
Solvency
89.1%▼ 5.3pp
2024 · 94.4%
2018: 82.7%
2019: 89.7%
2020: 79.2%
2021: 69.1%
2022: 82.3%
2023: 81.0%
2024: 94.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€67k-€95k▲ 41.9%€98k▲ 2.9%€106k▲ 7.7%€58k▼ 45.6%
Operating result€9k-€43k▲ 366%€3k▼ 92.9%€10k▲ 230%€-48k
Net result€8k-€28k▲ 275%€3k▼ 90.2%€8k▲ 174%€-48k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €48k after €10k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €65k
Equity
€58k▼ 45.6%
Debt
€7k▲ 11.5%
The debt ratio rises from 5.6% to 10.9%: debt grows while equity shrinks.
Key figures and ratios
Solvency
89.1%▼
2024 · 94.4%
ROE
-83.9%▼
2024 · 7.2%
ROA
-74.8%▼
2024 · 6.8%
Debt
€7k▲
2024 · €6k
Debt ≤ 1 year
€7k▲
2024 · €6k
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€112k€65k▼
Current assets29/58€112k€65k▼
Amounts receivable within one year40/41€104k€57k▼
Trade receivables40€22k-
Other amounts receivable41€81k€57k▼
Cash at bank and in hand54/58€8k€4k▼
Deferred charges and accrued income490/1€200€3k▲
Equity and liabilities
Total equity and liabilities10/49€112k€65k▼
Equity10/15€106k€58k▼
Contributions10/11€9k€9k=
Reserves13€97k€83k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€95k€81k▼
Profit (loss) carried forward14-€-34k
Amounts payable17/49€6k€7k▲
Amounts payable within one year42/48€6k€7k▲
Trade debts44€1k€4k▲
Suppliers440/4€1k€4k▲
Taxes, remuneration and social security45€5k€3k▼
Taxes450/3€5k€3k▼
Income statement
Code20242025
Other operating charges640/8€530€2k▲
Gross operating margin9900€11k€-46k▼
Operating profit (loss)9901€10k€-48k▼
Financial charges65/66B€148€330▲
Recurring financial charges65€148€330▲
Profit (loss) for the period before taxes9903€10k€-48k▼
Income taxes67/77€2k-
Profit (loss) for the period9904€8k€-48k▼
Profit (loss) for the period to be appropriated9905€8k€-48k▼
Appropriation of the result
Profit (loss) to be appropriated9906€8k€-48k▼
Transfer from equity791/2-€14k
Transfer to equity691/2€8k-
To other reserves6921€8k-
The notes to these accounts (4 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
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-48k ▼736%
Net result drops to €-48k, the lowest in the series.
08-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 8 days late
2024
31-12
Financial
Liquidity triplescurrent ratio 17.78
Current ratio from 5.27 to 17.78; short-term debt falls from €23k to €6k.
31-12
Financial
Equity above €100kEq €106k ▲7.7%
4 profitable years in a row build equity to €106k.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €28k ▲275%
Operating result €43k, net result €28k, both a record.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
26-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 118 days late
2019
01-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 1 day late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
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.
Location & real-estate footprint
Registered office, Westerlo · 1 establishment unit since 2009
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.
Hondseinde 242260 WesterloGround area
2,558 m²
Building footprint
232 m²
Volume, LiDAR
1,160 m³
Parcel 13039F0308/00E000, Flanders · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BOOKS AT WORK
since 20092.182.300.159
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13039F0308/00E000 | Flanders | 2,557 m² | 1 · 231 m² | 7.3 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 1,484 EUR awarded · 1,484 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 1,484 EUR | 1,484 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,748. 10,852 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded06-10-2009
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.