BSW-72
ActiveBSW-72 has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €375k and a net result of €65k. Equity is growing by ~34.9% per year across the filed fiscal years. Its solvency ranks better than 44% of 8578 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability87▼-11
Solvency57▲+11
Growth78=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity short (current ratio 0.36 against 0.35 in 2024), and 54.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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 →
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 · 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
45.6%
Return on assets
7.9%
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 16-07-2026, 15 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
15 d early
2024
8 d early
2023
31 d late
2022
31 d late
2021
31 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€65k▲ 7.3%
2024 · €61k
2021: €36k
2022: €944
2023: €229k
2024: €61k
2021 → 2025
Working capital
€-269k▲ 14.1%
2024 · €-313k
2021: €-104k
2022: €-99k
2023: €-353k
2024: €-313k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€39k-€40k▲ 2.4%€250k▲ 525%€310k▲ 24.2%€375k▲ 20.9%
Operating result€51k-€7k▼ 85.9%€52k▲ 622%€20k▼ 61.2%€32k▲ 58.8%
Net result€36k-€944▼ 97.4%€229k▲ 24,173%€61k▼ 73.6%€65k▲ 7.3%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 59% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €823k
Fixed assets
€673k▼ 0.8%
Current assets
€150k▼ 12.6%
Equity and liabilities €823k
Equity
€375k▲ 20.9%
Debt
€448k▼ 17.1%
The debt ratio falls from 63.5% to 54.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€42k▲
2024 · €24k
Cash flow
€75k▲
2024 · €64k
Solvency
45.6%▲
2024 · 36.5%
Current ratio
0.36▲
2024 · 0.35
Quick ratio
0.36▲
2024 · 0.35
Debt / equity
1.19▼
2024 · 1.74
ROE
17.3%▼
2024 · 19.5%
ROA
7.9%▲
2024 · 7.1%
Interest coverage
2.00▲
2024 · 0.87
Debt
€448k▼
2024 · €540k
Debt ≤ 1 year
€419k▼
2024 · €485k
Debt > 1 year
€29k▼
2024 · €56k
Income taxes
€5k▲
2024 · €-779
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€851k€823k▼
Formation expenses20€232€0▼
Fixed assets21/28€679k€673k▼
Tangible fixed assets22/27€276k€270k▼
Land and buildings22€273k€265k▼
Furniture and vehicles24€2k€5k▲
Assets under construction and advance payments27€0-
Financial fixed assets28€403k€403k=
Current assets29/58€171k€150k▼
Amounts receivable within one year40/41€11k€12k▲
Trade receivables40€0-
Other amounts receivable41€11k€12k▲
Cash at bank and in hand54/58€157k€136k▼
Deferred charges and accrued income490/1€4k€2k▼
Equity and liabilities
Total equity and liabilities10/49€851k€823k▼
Equity10/15€310k€375k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€307k€372k▲
Amounts payable17/49€540k€448k▼
Amounts payable after more than one year17€56k€29k▼
Financial debts170/4€56k€29k▼
Amounts payable within one year42/48€485k€419k▼
Current portion of amounts payable after more than one year42€28k€28k▼
Trade debts44€4k€4k▲
Suppliers440/4€4k€4k▲
Taxes, remuneration and social security45€10k€5k▼
Taxes450/3€10k€5k▼
Other amounts payable47/48€443k€382k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€10k▲
Other operating charges640/8€3k€4k▲
Gross operating margin9900€27k€46k▲
Operating profit (loss)9901€20k€32k▲
Financial income75/76B€67k€59k▼
Recurring financial income75€67k€59k▼
Financial charges65/66B€28k€21k▼
Recurring financial charges65€28k€21k▼
Profit (loss) for the period before taxes9903€60k€70k▲
Income taxes67/77€-779€5k▲
Profit (loss) for the period9904€61k€65k▲
Profit (loss) for the period to be appropriated9905€61k€65k▲
Appropriation of the result
Profit (loss) to be appropriated9906€307k€372k▲
Profit (loss) brought forward from the previous period14P€247k€307k▲
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
Social balance
Average headcount (FTE)90870.0-
The notes to these accounts (16 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 31 days late
2023
31-12
Financial
Highest result since 2021net €229k ▲24173%
Operating result €52k, net result €229k, both a record.
31-12
Financial
Equity above €200kEq €250k ▲525%
3 profitable years in a row build equity to €250k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €944 ▼97.4%
Net result drops to €944, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · 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
2 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, Pont-à-Celles · 1 establishment unit since 2020
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.
Chaussée de Fleurus(THI) 156230 Pont-à-CellesGround area
1,059 m²
Building footprint
166 m²
Volume, LiDAR
1,587 m³
Parcel 52065B0176/00G000, Wallonia · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BSW-72
since 20202.303.687.840
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52065B0176/00G000 | Wallonia | 1,059 m² | 1 · 165 m² | 11.6 m · 3 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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VAN HERCK
BE 0556.924.312
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SHJ
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Of 5,668 companies in sector 70100 we hold annual accounts for 3,479. 2,267 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-06-2020
Fiscal year end31-12
Activities, NACEBEL
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.