BUSINESS BUILDERS
ActiveBUSINESS BUILDERS has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €94k and a net result of €44k. Equity is growing by ~44% per year across the filed fiscal years. Its solvency ranks better than 44% of 7740 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability94▼-4
Solvency68▼-19
Growth78=
Track record94
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 2.24 against 3.33 in 2024; short-term debt: 29.2% and cash: 26.4% of total assets), but 57% 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
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
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 2025Solvency, return and age of the figures
Solvency
43%
Return on assets
20.2%
Age of the figures
9 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 11-07-2026, 20 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
20 d early
2024
17 d early
2023
22 d early
2022
27 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
Equity
€94k▼ 37.3%
2024 · €150k
2022: €15k
2023: €93k
2024: €150k
2022 → 2025
Total assets
€218k▼ 10.1%
2024 · €242k
2022: €65k
2023: €327k
2024: €242k
2022 → 2025
Net result
€44k▼ 21.5%
2024 · €56k
2022: €13k
2023: €78k
2024: €56k
2022 → 2025
Working capital
€79k▼ 26.5%
2024 · €108k
2022: €6k
2023: €136k
2024: €108k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€15k-€93k▲ 512%€150k▲ 60.1%€94k▼ 37.3%
Operating result€19k-€104k▲ 444%€74k▼ 28.8%€63k▼ 15.2%
Net result€13k-€78k▲ 490%€56k▼ 28.1%€44k▼ 21.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 15% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €218k
Fixed assets
€75k▼ 14.9%
Current assets
€143k▼ 7.2%
Equity and liabilities €218k
Equity
€94k▼ 37.3%
Debt
€124k▲ 34.0%
The debt ratio rises from 38.2% to 57.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€85k▼
2024 · €96k
Cash flow
€67k▼
2024 · €78k
Solvency
43.0%▼
2024 · 61.8%
Current ratio
2.24▼
2024 · 3.33
Quick ratio
2.24▼
2024 · 3.33
Debt / equity
1.32▲
2024 · 0.62
ROE
47.0%▲
2024 · 37.6%
ROA
20.2%▼
2024 · 23.2%
Interest coverage
24.62▼
2024 · 29.77
Debt
€124k▲
2024 · €93k
Debt ≤ 1 year
€64k▲
2024 · €46k
Debt > 1 year
€61k▲
2024 · €46k
Income taxes
€15k▼
2024 · €16k
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€242k€218k▼
Fixed assets21/28€89k€75k▼
Tangible fixed assets22/27€89k€75k▼
Plant, machinery and equipment23€0-
Furniture and vehicles24€89k€75k▼
Current assets29/58€154k€143k▼
Amounts receivable within one year40/41€143k€27k▼
Trade receivables40€58k€27k▼
Other amounts receivable41€85k€0▼
Current investments50/53-€59k
Cash at bank and in hand54/58€11k€58k▲
Equity and liabilities
Total equity and liabilities10/49€242k€218k▼
Equity10/15€150k€94k▼
Contributions10/11€2k€2k=
Reserves13€148k€92k▼
Distributable reserves133€148k€92k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€93k€124k▲
Amounts payable after more than one year17€46k€61k▲
Financial debts170/4€46k€61k▲
Amounts payable within one year42/48€46k€64k▲
Current portion of amounts payable after more than one year42€17k€26k▲
Trade debts44€231€530▲
Suppliers440/4€231€530▲
Taxes, remuneration and social security45€29k€37k▲
Taxes450/3€29k€37k▲
Other amounts payable47/48€96€179▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€22k▲
Other operating charges640/8€753€755▲
Gross operating margin9900€97k€86k▼
Operating profit (loss)9901€74k€63k▼
Financial income75/76B€2k€0▼
Recurring financial income75€2k€0▼
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€73k€60k▼
Income taxes67/77€16k€15k▼
Profit (loss) for the period9904€56k€44k▼
Profit (loss) for the period to be appropriated9905€56k€44k▼
Appropriation of the result
Profit (loss) to be appropriated9906€56k€44k▼
Transfer from equity791/2-€100k
Transfer to equity691/2€56k€44k▼
To other reserves6921€56k€44k▼
Profit to be distributed694/7-€100k
Return on contributions (dividend)694-€100k
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
11-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €150k ▲60.1%
3 profitable years in a row build equity to €150k.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2022net €78k ▲490%
Operating result €104k, net result €78k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 2.63
Current ratio from 1.11 to 2.63.
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Herentals · 1 establishment unit since 2022
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.
Kennedylaan(HRT) 182200 HerentalsGround area
1,563 m²
Building footprint
184 m²
Volume, LiDAR
1,036 m³
Parcel 13011A0219/00K000, Flanders · tallest building 6.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BUSINESS BUILDERS
since 20222.332.949.572
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13011A0219/00K000 | Flanders | 1,563 m² | 1 · 184 m² | 6.3 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.
Similar companies · same sector, comparable size
SYN+
BE 0777.629.501
Zulte · Eq €94k
TOMICO
BE 0735.482.110
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DUX GESTION
BE 0842.820.726
Lens (Hainaut) · Eq €94k
OFFICENTER LEUVEN
BE 0544.882.256
Leuven · Eq €94k
PATCOBEL
BE 0874.895.359
Herent · Eq €94k
Of 24,503 companies in sector 82990 we hold annual accounts for 9,402. 7,184 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-06-2022
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.