CAPSA
ActiveCAPSA has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.52M and a net result of €230k. Equity is growing by ~24.7% per year across the filed fiscal years. Its solvency ranks better than 60% of 8623 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▼-4
Solvency88▲+10
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €130k at 30 days acceptable
Liquidity ample (current ratio 5.91 against 3.48 in 2024; short-term debt: 12.8% and cash: 21.4% of total assets), and 36.8% 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○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 →
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
63.2%
Return on assets
9.6%
Age of the figures
9 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 31-12-2025 was due by 31-07-2026 and was filed on 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
16 d early
2023
55 d early
2022
12 d early
2021
58 d early
2020
40 d early
2019
32 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.52M▲ 17.8%
2024 · €1.29M
2018: €393k
2019: €406k
2020: €441k
2021: €529k
2022: €730k
2023: €976k
2024: €1.29M
2018 → 2025
Total assets
€2.40M▼ 0.5%
2024 · €2.42M
2018: €2.52M
2019: €2.29M
2020: €2.17M
2021: €2.09M
2022: €2.07M
2023: €2.30M
2024: €2.42M
2018 → 2025
Net result
€230k▼ 26.7%
2024 · €314k
2018: €95k
2019: €12k
2020: €36k
2021: €87k
2022: €201k
2023: €246k
2024: €314k
2018 → 2025
Working capital
€1.51M▲ 21.6%
2024 · €1.24M
2018: €-226k
2019: €-208k
2020: €323k
2021: €468k
2022: €648k
2023: €899k
2024: €1.24M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€529k-€730k▲ 38.1%€976k▲ 33.7%€1.29M▲ 32.1%€1.52M▲ 17.8%
Operating result€134k-€305k▲ 128%€365k▲ 19.4%€484k▲ 32.8%€341k▼ 29.5%
Net result€87k-€201k▲ 130%€246k▲ 22.4%€314k▲ 27.4%€230k▼ 26.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 30% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.40M
Fixed assets
€586k▼ 13.2%
Current assets
€1.82M▲ 4.3%
Equity and liabilities €2.40M
Equity
€1.52M▲ 17.8%
Debt
€885k▼ 21.6%
The debt ratio falls from 46.6% to 36.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€430k▼
2024 · €576k
Cash flow
€319k▼
2024 · €406k
Solvency
63.2%▲
2024 · 53.4%
Current ratio
5.91▲
2024 · 3.48
Quick ratio
4.21▲
2024 · 2.26
Debt / equity
0.58▼
2024 · 0.87
ROE
15.1%▼
2024 · 24.3%
ROA
9.6%▼
2024 · 13.0%
Interest coverage
13.04▼
2024 · 13.54
Debt
€885k▼
2024 · €1.13M
Debt ≤ 1 year
€308k▼
2024 · €501k
Debt > 1 year
€577k▼
2024 · €627k
Income taxes
€85k▼
2024 · €140k
Staff costs
€63k▼
2024 · €105k
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€2.42M€2.40M▼
Fixed assets21/28€674k€586k▼
Tangible fixed assets22/27€672k€583k▼
Land and buildings22€571k€518k▼
Plant, machinery and equipment23€81k€41k▼
Furniture and vehicles24€19k€25k▲
Financial fixed assets28€3k€3k=
Current assets29/58€1.74M€1.82M▲
Stocks and contracts in progress3€614k€523k▼
Stocks30/36€614k€523k▼
Amounts receivable within one year40/41€95k€215k▲
Trade receivables40€81k€169k▲
Other amounts receivable41€14k€46k▲
Current investments50/53€500k€560k▲
Cash at bank and in hand54/58€529k€515k▼
Deferred charges and accrued income490/1€5k€5k▲
Equity and liabilities
Total equity and liabilities10/49€2.42M€2.40M▼
Equity10/15€1.29M€1.52M▲
Contributions10/11€25k€25k=
Reserves13€1.27M€1.50M▲
Tax-exempt reserves132-€105k
Distributable reserves133€1.27M€1.39M▲
Amounts payable17/49€1.13M€885k▼
Amounts payable after more than one year17€627k€577k▼
Financial debts170/4€627k€577k▼
Amounts payable within one year42/48€501k€308k▼
Current portion of amounts payable after more than one year42€50k€50k▲
Trade debts44€116k€36k▼
Suppliers440/4€116k€36k▼
Advances received on contracts in progress46€10k€10k▼
Taxes, remuneration and social security45€35k€34k▼
Taxes450/3€27k€29k▲
Remuneration and social security454/9€8k€5k▼
Other amounts payable47/48€289k€178k▼
Income statement
Code20242025
Remuneration, social security and pensions62€105k€63k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€92k€89k▼
Other operating charges640/8€12k€14k▲
Gross operating margin9900€693k€507k▼
Operating profit (loss)9901€484k€341k▼
Financial income75/76B€12k€7k▼
Recurring financial income75€12k€7k▼
Financial charges65/66B€43k€33k▼
Recurring financial charges65€43k€33k▼
Profit (loss) for the period before taxes9903€454k€315k▼
Income taxes67/77€140k€85k▼
Profit (loss) for the period9904€314k€230k▼
Transfer to tax-exempt reserves689-€105k
Profit (loss) for the period to be appropriated9905€314k€125k▼
Appropriation of the result
Profit (loss) to be appropriated9906€314k€125k▼
Transfer to equity691/2€314k€125k▼
To other reserves6921€314k€125k▼
Social balance
Average headcount (FTE)90870.01.0▲
The notes to these accounts (17 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €314k ▲27.4%
Operating result €484k, net result €314k, both a record.
31-12
Financial
Equity above €1MEq €1.29M ▲32.1%
7 profitable years in a row build equity to €1.29M.
06-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
03-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €500kEq €529k ▲19.8%
4 profitable years in a row build equity to €529k.
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €12k ▼86.9%
Net result drops to €12k, the lowest in the series; recovery starts the following year.
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
19-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Oostrozebeke · 1 establishment unit since 2009
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.
Goudenappelstraat 258780 OostrozebekeGround area
2,436 m²
Building footprint
1,693 m²
Volume, LiDAR
7 m³
Parcel 37010D0142/00M000, Flanders · tallest building 0.9 m. Linked by address, not a title deed.
1 establishment unit
MEOR
since 20092.179.054.916
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37010D0142/00M000 | Flanders | 2,436 m² | 1 · 1,693 m² | 0.9 m |
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
2025 · 1 entry · 309 EUR awarded · 309 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 309 EUR | 309 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,570. 23,228 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-05-2009
Fiscal year end31-12
Activities, NACEBEL
95319Other maintenance and repair of motor vehicles
70200Business and other management consultancy
70220Business consulting
47811Retail sale of cars and light vans (up to 3.5 tonnes)
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:056662272