Buckle Up
ActiveBuckle Up has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €212k and a net result of €13k. Equity is growing by ~38.7% per year across the filed fiscal years. Its solvency ranks better than 35% of 31487 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
74
/ 100
Healthy▼ -26 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability30▼-70
Solvency59▼-41
Growth52▼-26
Stability94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity tight (current ratio 1.04 against 6.22 in 2024), and 62.9% 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+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
37.1%
Return on assets
2.2%
Age of the figures
14 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 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 · 3 filingsDeviation from the deadline
2025
2 d late
2024
on the day
2023
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close12-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€212k▲ 6.3%
2024 · €199k
2023: €58k
2024: €199k
2023 → 2025
Total assets
€571k▲ 141%
2024 · €237k
2023: €75k
2024: €237k
2023 → 2025
Net result
€13k▼ 91.1%
2024 · €142k
2023: €57k
2024: €142k
2023 → 2025
Working capital
€2k▼ 98.9%
2024 · €192k
2023: €47k
2024: €192k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€58k-€199k▲ 246%€212k▲ 6.3%
Operating result€72k-€189k▲ 163%€37k▼ 80.6%
Net result€57k-€142k▲ 148%€13k▼ 91.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 81% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €571k
Fixed assets
€517k▲ 5,600%
Current assets
€54k▼ 76.2%
Equity and liabilities €571k
Equity
€212k▲ 6.3%
Debt
€360k▲ 842%
The debt ratio rises from 16.1% to 62.9%: debt grows faster than equity.
Key figures and ratios
EBITDA
€69k▼
2024 · €190k
Cash flow
€45k▼
2024 · €143k
Solvency
37.1%▼
2024 · 83.9%
Current ratio
1.04▼
2024 · 6.22
Quick ratio
1.04▼
2024 · 6.22
Debt / equity
1.70▲
2024 · 0.19
ROE
6.0%▼
2024 · 71.1%
ROA
2.2%▼
2024 · 59.7%
Interest coverage
4.11▼
2024 · 47.34
Debt
€360k▲
2024 · €38k
Debt ≤ 1 year
€52k▲
2024 · €37k
Debt > 1 year
€307k
Income taxes
€7k▼
2024 · €43k
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€237k€571k▲
Fixed assets21/28€9k€517k▲
Tangible fixed assets22/27€9k€517k▲
Land and buildings22-€512k
Plant, machinery and equipment23-€2k
Furniture and vehicles24-€3k
Other tangible fixed assets26€9k€0▼
Current assets29/58€228k€54k▼
Amounts receivable within one year40/41€62k€26k▼
Trade receivables40€62k€20k▼
Other amounts receivable41€4€6k▲
Cash at bank and in hand54/58€134k€27k▼
Deferred charges and accrued income490/1€32k€1k▼
Equity and liabilities
Total equity and liabilities10/49€237k€571k▲
Equity10/15€199k€212k▲
Contributions10/11€2k€2k=
Reserves13€197k€210k▲
Distributable reserves133€197k€210k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€38k€360k▲
Amounts payable after more than one year17-€307k
Financial debts170/4-€307k
Amounts payable within one year42/48€37k€52k▲
Current portion of amounts payable after more than one year42-€23k
Financial debts43€18k€35▼
Credit institutions430/8€18k€35▼
Trade debts44€945€2k▲
Suppliers440/4€945€2k▲
Taxes, remuneration and social security45€13k€5k▼
Taxes450/3€10k€3k▼
Remuneration and social security454/9€2k€2k▲
Other amounts payable47/48€6k€21k▲
Accrued charges and deferred income492/3€1k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€33k▲
Other operating charges640/8€236€678▲
Non-recurring operating charges66A-€11k
Gross operating margin9900€190k€81k▼
Operating profit (loss)9901€189k€37k▼
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€4k€17k▲
Recurring financial charges65€4k€17k▲
Profit (loss) for the period before taxes9903€185k€20k▼
Income taxes67/77€43k€7k▼
Profit (loss) for the period9904€142k€13k▼
Profit (loss) for the period to be appropriated9905€142k€13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€142k€13k▼
Transfer to equity691/2€142k€13k▼
To other reserves6921€142k€13k▼
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (8 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
02-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 2 days late
2025
30-06
Financial
Weakest financial yearnet €13k ▼91.1%
Net result drops to €13k, the lowest in the series.
30-06
Financial
Equity above €200kEq €212k ▲6.3%
3 profitable years in a row build equity to €212k.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Highest result since 2023net €142k ▲148%
Operating result €189k, net result €142k, both a record.
30-06
Financial
Equity above €150kEq €199k ▲246%
2 profitable years in a row build equity to €199k.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
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, Kruisem · 1 establishment unit since 2023
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.
Veldstraat 1A9750 KruisemGround area
1,670 m²
Building footprint
299 m²
2 parcels, Flanders. Linked by address, not a title deed.
1 establishment unit
Veldstraat 1, 9750 Kruisem
since 20232.342.130.920
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45057B0667/00H000 | Flanders | 1,144 m² | 1 · 214 m² | - |
| 45057B0669/00Y000 | Flanders | 525 m² | 1 · 85 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
SEAR
BE 0848.631.026
Vilvoorde · Eq €212k
Zakenkantoor Dirk Meeus
BE 0803.612.435
Oudenaarde · Eq €212k
DEFINITELY MAYBE
BE 0838.145.722
Hoeilaart · Eq €212k
MOELA
BE 0748.725.479
Meise · Eq €212k
LAMBRECHT CONSEIL GESTION
BE 0840.944.765
La Bruyère · Eq €212k
Of 82,218 companies in sector 70200 we hold annual accounts for 52,393. 39,462 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-02-2023
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
70100Activities of head offices
70210Activities of head offices; management consultancy activities
73110Advertising agencies
73300Public relations and communication consultancy
82300Organisation of conventions and trade shows
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.