Certi-Check
ActiveCerti-Check has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €180k and a net result of €104k. Equity is growing by ~59.5% per year across the filed fiscal years. Its solvency ranks better than 72% of 110 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
93
/ 100
Excellent▼ -1 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency97▲+16
Growth78=
Stability94
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 2.28 against 1.71 in 2024), and 45.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
6 signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
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 71
Relative position
BE, all sectors
reference
Sector 71
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
54.8%
Return on assets
31.4%
Age of the figures
8 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 28-05-2026, 64 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
64 d early
2024
22 d early
2023
75 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
04-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€180k▲ 71.3%
2024 · €105k
2023: €55k
2024: €105k
2023 → 2025
Total assets
€330k▲ 34.1%
2024 · €246k
2023: €118k
2024: €246k
2023 → 2025
Net result
€104k▼ 6.1%
2024 · €110k
2023: €69k
2024: €110k
2023 → 2025
Working capital
€179k▲ 82.1%
2024 · €98k
2023: €47k
2024: €98k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€55k-€105k▲ 91.4%€180k▲ 71.3%
Operating result€87k-€129k▲ 48.2%€146k▲ 13.2%
Net result€69k-€110k▲ 60.8%€104k▼ 6.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 13% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €330k
Fixed assets
€12k▲ 20.6%
Current assets
€318k▲ 34.7%
Equity and liabilities €330k
Equity
€180k▲ 71.3%
Debt
€149k▲ 6.2%
The debt ratio falls from 57.1% to 45.2%: equity grows faster than debt.
Key figures and ratios
EBITDA
€149k▲
2024 · €131k
Cash flow
€106k▼
2024 · €112k
Solvency
54.8%▲
2024 · 42.9%
Current ratio
2.28▲
2024 · 1.71
Quick ratio
2.28▲
2024 · 1.71
Debt / equity
0.83▼
2024 · 1.33
ROE
57.4%▼
2024 · 104.7%
ROA
31.4%▼
2024 · 44.9%
Interest coverage
28.71▼
2024 · 107.36
Debt
€149k▲
2024 · €140k
Debt ≤ 1 year
€139k▲
2024 · €138k
Income taxes
€38k▲
2024 · €20k
Staff costs
€99k▲
2024 · €28k
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
Balance sheet
Code2025
Total assets
20/58€330k
Fixed assets
21/28€12k
Tangible fixed assets
22/27€10k
Financial fixed assets
28€2k
Current assets
29/58€318k
Amounts receivable within one year
40/41€147k
Cash & bank
54/58€167k
Total equity & liabilities
10/49€330k
Equity
10/15€180k
Contributions / capital
10/11€15k
Reserves
13€165k
Amounts payable
17/49€149k
Amounts payable within one year
42/48€139k
Trade debts payable within one year
44€67k
Income statement
Code2025
Gross operating margin
9900€254k
Operating result
9901€146k
Financial income
75€936
Financial charges
65€5k
Result before taxes
9903€142k
Income taxes
67/77€38k
Net result for the period
9904€104k
Result to be appropriated
9905€104k
This is the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan.
See plans →
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €150kEq €180k ▲71.3%
3 profitable years in a row build equity to €180k.
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2023net €110k ▲60.8%
Net result €110k, the highest in the series.
31-12
Financial
Equity above €100kEq €105k ▲91.4%
2 profitable years in a row build equity to €105k.
17-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
ENERGEN
BE 0726.863.956
Philippeville · Eq €180k
LIRY TOM
BE 0479.655.694
Mortsel · Eq €181k
CONTROLE INDUSTRIEL BELGE - BELGISCHE INDUSTRIELE CONTROLE
BE 0463.529.247
Liège · Eq €182k
PDP Energy Consult
BE 0457.181.289
Zoersel · Eq €182k
STUDIO LAMOTE
BE 0732.833.614
Oostende · Eq €183k
Of 2,143 companies in sector 71209 we hold annual accounts for 1,037. 796 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-05-2023
Fiscal year end31-12
Activities, NACEBEL
71209Other technical testing and analysis
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 08-08-2026. Scores and ratios are computed by Checked and are not a credit decision.