BUREAU CENTRAL DE CLEARING
ActiveBUREAU CENTRAL DE CLEARING has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €146k and a net result of €-3k. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 95% of 12690 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability16▼-1
Solvency100=
Growth53=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 48.14 against 48.07 in 2024; short-term debt: 2% and cash: 11.2% of total assets), and 2% 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 69
Relative position
BE, all sectors
reference
Sector 69
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
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 11-06-2026, 50 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
50 d early
2024
51 d early
2023
42 d early
2022
47 d early
2021
39 d early
2020
23 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€105k▼ 3.4%
2019 · €109k
2018: €96k
2019: €109k
2018 → 2021
EBIT margin
2.3%▼ 2.7pp
2019 · 5.0%
2018: -9.0%
2019: 5.0%
2018 → 2021
Net result
€-3k▼ 66.0%
2024 · €-2k
2018: €-9k
2019: €5k
2020: €-8k
2021: €2k
2022: €-2k
2023: €4k
2024: €-2k
2018 → 2025
Working capital
€143k▼ 2.0%
2024 · €146k
2018: €150k
2019: €156k
2020: €148k
2021: €149k
2022: €143k
2023: €147k
2024: €146k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€105k-
Equity€149k-€147k▼ 1.2%€151k▲ 2.9%€149k▼ 1.4%€146k▼ 2.3%
Operating result€2k-€-2k€1k€-6k€-5k▲ 13.1%
Net result€2k-€-2k€4k€-2k€-3k▼ 66.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €5k in 2025 against €6k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €149k
Fixed assets
€3k▼ 13.8%
Current assets
€146k▼ 2.0%
Equity and liabilities €149k
Equity
€146k▼ 2.3%
Debt
€3k▼ 2.2%
The debt ratio stays at 2.0%.
Key figures and ratios
EBITDA
€-5k▲
2024 · €-5k
Cash flow
€-3k▼
2024 · €-2k
Solvency
98.0%=
2024 · 98.0%
Current ratio
48.14▲
2024 · 48.07
Quick ratio
48.14▲
2024 · 48.07
Debt / equity
0.02▲
2024 · 0.02
ROE
-2.4%▼
2024 · -1.4%
ROA
-2.3%▼
2024 · -1.4%
Interest coverage
-20.95▼
2024 · -17.01
Debt
€3k▼
2024 · €3k
Debt ≤ 1 year
€3k▼
2024 · €3k
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€152k€149k▼
Fixed assets21/28€3k€3k▼
Intangible fixed assets21€3k€3k▼
Current assets29/58€149k€146k▼
Amounts receivable within one year40/41€4k€3k▼
Trade receivables40€943€873▼
Other amounts receivable41€3k€2k▼
Current investments50/53€125k€125k=
Cash at bank and in hand54/58€19k€17k▼
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€152k€149k▼
Equity10/15€149k€146k▼
Contributions10/11€112k€112k=
Reserves13€63k€63k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€61k€61k=
Profit (loss) carried forward14€-26k€-29k▼
Amounts payable17/49€3k€3k▼
Amounts payable within one year42/48€3k€3k▼
Trade debts44€3k€3k▼
Suppliers440/4€3k€3k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€475€475=
Other operating charges640/8€388€400▲
Gross operating margin9900€-5k€-4k▲
Operating profit (loss)9901€-6k€-5k▲
Financial income75/76B€4k€2k▼
Recurring financial income75€4k€2k▼
Financial charges65/66B€315€219▼
Recurring financial charges65€315€219▼
Profit (loss) for the period before taxes9903€-2k€-3k▼
Profit (loss) for the period9904€-2k€-3k▼
Profit (loss) for the period to be appropriated9905€-2k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-26k€-29k▼
Profit (loss) brought forward from the previous period14P€-24k€-26k▼
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
03-08
State Gazette act
General meeting · Auditor appointment
Director resignation · Director appointment
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 79.74
Current ratio from 38.73 to 79.74; short-term debt falls from €4k to €2k.
31-12
Financial
Equity above €150kEq €151k ▲2.9%
Equity rises from €147k to €151k.
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
09-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
11 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, Sint-Gillis (bij-Brussel) · 1 establishment unit since 1997
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.
Hallepoortlaan 401060 Sint-Gillis (bij-Brussel)Ground area
7,407 m²
Building footprint
4,248 m²
Volume, LiDAR
131,837 m³
2 parcels, Brussels · tallest building 45.8 m, ±11 floors. Linked by address, not a title deed.
1 establishment unit
Fonsnylaan 49 A, 1060 Sint-Gillis (bij-Brussel)
since 19972.080.873.001
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21562A0393/00S012 | Brussels | 5,256 m² | 1 · 4,248 m² | 45.8 m · 11 fl. |
| 21562A0435/02C002 | Brussels | 2,151 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
GBC SERVICES
BE 0859.560.352
Brussel · Eq €146k
HANEWEE - HOF
BE 0455.062.731
Sint-Niklaas · Eq €146k
TIANGU
BE 0749.922.638
Aartselaar · Eq €145k
ARCANA
BE 0429.137.896
Mons · Eq €145k
BULCO
BE 0459.047.847
Mechelen · Eq €146k
Of 2,267 companies in sector 69209 we hold annual accounts for 1,098. 849 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formCooperative company
Founded06-01-1997
Fiscal year end31-12
Abbreviation FR
BCC
Activities, NACEBEL
69201Accountants
69209Other tax advisory services
74124
73200Market research and public opinion polling
74131
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.