BURO38
ActiveSummary
BURO38 has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €188k and a net result of €16k. Equity is growing by ~11.5% per year across the filed fiscal years. Its solvency ranks better than 55% of 166 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2026
93
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability77▼-18
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 12.57 against 12.98 in 2025; short-term debt: 7.7% and cash: 68.2% of total assets), and 23.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
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 2026Solvency, return and age of the figures
Solvency
76.3%
Return on assets
6.3%
Age of the figures
6 mo
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 31-03-2026 was due by 31-10-2026 and was filed on 10-08-2026, 82 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
82 d early
2025
45 d early
2024
64 d early
2023
12 d early
2022
31 d early
2021
17 d late
2020
9 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, micro schema
Equity
€188k▼ 4.7%
2025 · €197k
2019: €66k
2020: €91k
2021: €136k
2022: €145k
2023: €159k
2024: €169k
2025: €197k
2019 → 2026
Total assets
€247k▼ 3.8%
2025 · €256k
2019: €115k
2020: €139k
2021: €196k
2022: €200k
2023: €213k
2024: €227k
2025: €256k
2019 → 2026
Net result
€16k▼ 71.1%
2025 · €54k
2019: €26k
2020: €25k
2021: €46k
2022: €20k
2023: €32k
2024: €19k
2025: €54k
2019 → 2026
Working capital
€221k▼ 3.6%
2025 · €229k
2019: €101k
2020: €126k
2021: €168k
2022: €166k
2023: €187k
2024: €201k
2025: €229k
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€145k-€159k▲ 9.8%€169k▲ 6.4%€197k▲ 16.8%€188k▼ 4.7%
Operating result€35k-€32k▼ 7.3%€18k▼ 45.8%€35k▲ 99.7%€24k▼ 31.5%
Net result€20k-€32k▲ 60.3%€19k▼ 40.7%€54k▲ 183%€16k▼ 71.1%
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 2026; 2026 is 31% below 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €247k
Fixed assets
€7k ▼ 17.9%
Current assets
€240k ▼ 3.4%
Equity and liabilities €247k
Equity
€188k ▼ 4.7%
Provisions
€39k =
Debt
€19k ▼ 3.1%
Debt's share of the balance-sheet total rises from 7.7% to 7.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€28k▼
2025 · €38k
Cash flow
€19k▼
2025 · €57k
Current ratio
12.57▼
2025 · 12.98
Debt to equity
0.10▲
2025 · 0.10
ROE
8.3%▼
2025 · 27.5%
ROA
6.3%▼
2025 · 21.1%
Interest coverage
12.94▲
2025 · 11.62
Debt ≤ 1 year
€19k▼
2025 · €19k
Income taxes
€7k▼
2025 · €22k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2026 against 2025 · 50 lines
Balance sheet
Code20252026
Assets
Total assets20/58€256k€247k▼
Fixed assets21/28€8k€7k▼
Tangible fixed assets22/27€8k€7k▼
Land and buildings22€637€125▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€6k€5k▼
Current assets29/58€248k€240k▼
Amounts receivable within one year40/41€23k€48k▲
Trade receivables40€23k€45k▲
Other amounts receivable41€751€3k▲
Current investments50/53€6k€6k=
Cash at bank and in hand54/58€203k€168k▼
Deferred charges and accrued income490/1€15k€17k▲
Equity and liabilities
Total equity and liabilities10/49€256k€247k▼
Equity10/15€197k€188k▼
Contributions10/11€1k€1k=
Reserves13€196k€187k▼
Distributable reserves133€196k€187k▼
Profit (loss) carried forward14€0€0=
Provisions and deferred taxes16€39k€39k=
Provisions for liabilities and charges160/5€39k€39k=
Pensions and similar obligations160€39k€39k=
Amounts payable17/49€20k€19k▼
Amounts payable within one year42/48€19k€19k▼
Trade debts44€5k€9k▲
Suppliers440/4€5k€9k▲
Taxes, remuneration and social security45€14k€11k▼
Taxes450/3€11k€10k▼
Remuneration and social security454/9€3k€165▼
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€574€0▼
Income statement
Code20252026
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€40k€29k▼
Operating profit (loss)9901€35k€24k▼
Financial income75/76B€44k€886▼
Recurring financial income75€44k€886▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€76k€23k▼
Income taxes67/77€22k€7k▼
Profit (loss) for the period9904€54k€16k▼
Profit (loss) for the period to be appropriated9905€54k€16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€54k€16k▼
Transfer from equity791/2€26k€25k▼
Transfer to equity691/2€54k€16k▼
To other reserves6921€54k€16k▼
Profit to be distributed694/7€26k€25k▼
Return on contributions (dividend)694€26k€25k▼
The notes to these accounts (7 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 2027, expected by
2026
10-08
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
31-03
Financial
Weakest financial yearnet €16k ▼71.1%
Net result drops to €16k, the lowest in the series.
2025
16-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Highest result since 2019net €54k ▲183%
Net result €54k, the highest in the series.
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
19-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Equity above €150kEq €159k ▲9.8%
5 profitable years in a row build equity to €159k.
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
17-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 17 days late
31-03
Financial
Equity above €100kEq €136k ▲50.6%
3 profitable years in a row build equity to €136k.
2020
22-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
03-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · 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, Tongeren-Borgloon · 1 establishment unit since 2010
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.
Kerselarenstraat 383700 Tongeren-BorgloonGround area
898 m²
Building footprint
154 m²
Volume, LiDAR
730 m³
Parcel 73094B1098/00E000, Flanders · tallest building 6.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BURO38
since 20102.186.610.622
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73094B1098/00E000 | Flanders | 898 m² | 1 · 154 m² | 6.2 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
2023 to 2025 · 3 entries · 2,759 EUR awarded · 2,759 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,042 EUR | 1,042 EUR |
| 2024 | 1 | 172 EUR | 172 EUR |
| 2023 | 1 | 1,545 EUR | 1,545 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,996 companies in sector 62200 we hold annual accounts for 18,393. 14,878 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-03-2010
Fiscal year end31-03
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.