BvN
ActiveBvN has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €11k and a net result of €-709. Equity is shrinking by ~16.6% per year across the filed fiscal years. Its solvency ranks better than 30% of 3110 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability68▲+60
Solvency39▲+1
Growth32=
Track record94
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.51 against 0.32 in 2024; short-term debt: 86% and cash: 19.9% of total assets), and 86% 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 01
Relative position
BE, all sectors
reference
Sector 01
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
14%
Return on assets
-0.9%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
22232425
2022 to 2025 · latest year €-709
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 4 filingsDeviation from the deadline
2025
3 d late
2024
30 d early
2023
13 d early
2022
2 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€11k▼ 5.9%
2024 · €12k
2022: €18k
2023: €35k
2024: €12k
2022 → 2025
Total assets
€80k▼ 14.6%
2024 · €94k
2022: €54k
2023: €95k
2024: €94k
2022 → 2025
Net result
€-709▲ 96.9%
2024 · €-23k
2022: €12k
2023: €17k
2024: €-23k
2022 → 2025
Working capital
€-34k▲ 38.3%
2024 · €-55k
2022: €-12k
2023: €-28k
2024: €-55k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€18k-€35k▲ 93.1%€12k▼ 65.7%€11k▼ 5.9%
Operating result€15k-€22k▲ 44.5%€-22k€-225▲ 99.0%
Net result€12k-€17k▲ 39.6%€-23k€-709▲ 96.9%
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 €225 in 2025 against €22k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €80k
Fixed assets
€45k▼ 34.8%
Current assets
€35k▲ 40.8%
Equity and liabilities €80k
Equity
€11k▼ 5.9%
Debt
€69k▼ 15.8%
The debt ratio falls from 87.3% to 86.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€24k▲
2024 · €1k
Cash flow
€23k▲
2024 · €377
Solvency
14.0%▲
2024 · 12.7%
Current ratio
0.51▲
2024 · 0.32
Quick ratio
0.40▲
2024 · 0.20
Debt / equity
6.16▼
2024 · 6.88
ROE
-6.3%▲
2024 · -191.2%
ROA
-0.9%▲
2024 · -24.3%
Interest coverage
42.79▲
2024 · 0.91
Debt
€69k▼
2024 · €82k
Debt ≤ 1 year
€69k▼
2024 · €80k
Income taxes
€114▼
2024 · €122
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€94k€80k▼
Fixed assets21/28€69k€45k▼
Tangible fixed assets22/27€69k€45k▼
Plant, machinery and equipment23€5k€1k▼
Furniture and vehicles24€44k€29k▼
Other tangible fixed assets26€20k€15k▼
Current assets29/58€25k€35k▲
Stocks and contracts in progress3€9k€8k▼
Stocks30/36€9k€8k▼
Amounts receivable within one year40/41€15k€10k▼
Trade receivables40€13k€8k▼
Other amounts receivable41€2k€2k▲
Cash at bank and in hand54/58€105€16k▲
Deferred charges and accrued income490/1€852€938▲
Equity and liabilities
Total equity and liabilities10/49€94k€80k▼
Equity10/15€12k€11k▼
Contributions10/11€6k€6k=
Reserves13€29k€29k=
Distributable reserves133€29k€29k=
Profit (loss) carried forward14€-23k€-24k▼
Amounts payable17/49€82k€69k▼
Amounts payable after more than one year17€2k-
Financial debts170/4€2k-
Amounts payable within one year42/48€80k€69k▼
Current portion of amounts payable after more than one year42€7k€2k▼
Trade debts44€9k€6k▼
Suppliers440/4€9k€6k▼
Taxes, remuneration and social security45€5k€5k▲
Taxes450/3€1k€1k▲
Remuneration and social security454/9€4k€4k▼
Other amounts payable47/48€59k€55k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€24k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€2k€25k▲
Operating profit (loss)9901€-22k€-225▲
Financial income75/76B€596€185▼
Recurring financial income75€596€185▼
Financial charges65/66B€1k€555▼
Recurring financial charges65€1k€555▼
Profit (loss) for the period before taxes9903€-23k€-595▲
Income taxes67/77€122€114▼
Profit (loss) for the period9904€-23k€-709▲
Profit (loss) for the period to be appropriated9905€-23k€-709▲
Appropriation of the result
Profit (loss) to be appropriated9906€-23k€-24k▼
Profit (loss) brought forward from the previous period14P-€-23k
The notes to these accounts (4 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
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-23k ▼236%
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2022net €17k ▲39.6%
Operating result €22k, net result €17k, both a record.
29-07
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, Hoogstraten · 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.
Ulicotenseweg 232328 HoogstratenGround area
1,113 m²
Building footprint
177 m²
Volume, LiDAR
831 m³
Parcel 13022E0201/00X002, Flanders · tallest building 6.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BvN
since 20222.336.922.317
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13022E0201/00X002 | Flanders | 1,113 m² | 1 · 177 m² | 6.5 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.
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Of 4,676 companies in sector 01610 we hold annual accounts for 1,369. 519 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-09-2022
Fiscal year end31-12
Activities, NACEBEL
01610Support activities for crop production
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.