CHALLENGE THE NORM
ActiveCHALLENGE THE NORM has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €152k and a net result of €145k. Equity is growing by ~50.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 29.61 against 8.87 in 2024), and 2.2% 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
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 →
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 · 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
97.8%
Return on assets
92.9%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 28-04-2026, 2 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
2 d early
2024
155 d early
2023
27 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€152k▲ 13.9%
2024 · €134k
2023: €16k
2024: €134k
2023 → 2025
Total assets
€156k▲ 6.9%
2024 · €146k
2023: €41k
2024: €146k
2023 → 2025
Net result
€145k▲ 23.3%
2024 · €118k
2023: €64k
2024: €118k
2023 → 2025
Working capital
€100k▲ 5.3%
2024 · €95k
2023: €2k
2024: €95k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€16k-€134k▲ 723%€152k▲ 13.9%
Operating result€80k-€150k▲ 87.9%€188k▲ 25.1%
Net result€64k-€118k▲ 84.4%€145k▲ 23.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 25% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €156k
Fixed assets
€52k▲ 34.9%
Current assets
€104k▼ 3.3%
Equity and liabilities €156k
Equity
€152k▲ 13.9%
Debt
€3k▼ 71.0%
The debt ratio falls from 8.3% to 2.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€195k▲
2024 · €154k
Cash flow
€152k▲
2024 · €121k
Solvency
97.8%▲
2024 · 91.7%
Current ratio
29.61▲
2024 · 8.87
Quick ratio
29.61▲
2024 · 8.87
Debt / equity
0.02▼
2024 · 0.09
ROE
95.1%▲
2024 · 87.8%
ROA
92.9%▲
2024 · 80.6%
Interest coverage
515.62▲
2024 · 448.61
Debt
€3k▼
2024 · €12k
Debt ≤ 1 year
€3k▼
2024 · €12k
Income taxes
€45k▲
2024 · €34k
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€146k€156k▲
Fixed assets21/28€39k€52k▲
Tangible fixed assets22/27€39k€32k▼
Furniture and vehicles24€22k€17k▼
Other tangible fixed assets26€17k€15k▼
Financial fixed assets28-€21k
Current assets29/58€107k€104k▼
Amounts receivable after more than one year29€20k€33k▲
Other amounts receivable291€20k€33k▲
Amounts receivable within one year40/41€81k€67k▼
Trade receivables40€1k€7k▲
Other amounts receivable41€79k€60k▼
Cash at bank and in hand54/58€2k€1k▼
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€146k€156k▲
Equity10/15€134k€152k▲
Contributions10/11€8k€8k=
Reserves13-€145k
Distributable reserves133-€145k
Profit (loss) carried forward14€126k€0▼
Amounts payable17/49€12k€3k▼
Amounts payable within one year42/48€12k€3k▼
Trade debts44€641€1k▲
Suppliers440/4€641€1k▲
Advances received on contracts in progress46€1k€0▼
Taxes, remuneration and social security45€10k€2k▼
Taxes450/3€10k€2k▼
Income statement
Code20242025
Non-recurring operating income76A€3k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€7k▲
Other operating charges640/8€479€1k▲
Gross operating margin9900€154k€197k▲
Operating profit (loss)9901€150k€188k▲
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€343€378▲
Recurring financial charges65€343€378▲
Profit (loss) for the period before taxes9903€151k€189k▲
Income taxes67/77€34k€45k▲
Profit (loss) for the period9904€118k€145k▲
Profit (loss) for the period to be appropriated9905€118k€145k▲
Appropriation of the result
Profit (loss) to be appropriated9906€126k€271k▲
Profit (loss) brought forward from the previous period14P€9k€126k▲
Transfer to equity691/2-€145k
To other reserves6921-€145k
Profit to be distributed694/7-€126k
Return on contributions (dividend)694-€126k
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 2026, expected by
2026
28-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2023net €145k ▲23.3%
Operating result €188k, net result €145k, both a record.
30-09
Financial
Liquidity triplescurrent ratio 29.61
Current ratio from 8.87 to 29.61; short-term debt falls from €12k to €3k.
30-09
Financial
Equity above €150kEq €152k ▲13.9%
3 profitable years in a row build equity to €152k.
2024
26-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-09
Financial
Liquidity times 8current ratio 8.87
Current ratio from 1.06 to 8.87; short-term debt falls from €25k to €12k.
30-09
Financial
Equity above €100kEq €134k ▲723%
2 profitable years in a row build equity to €134k.
03-04
NBB filing
Annual accounts filed
fiscal year 2023 · 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, Deerlijk · 1 establishment unit since 2023
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.
Beverenstraat 618540 DeerlijkGround area
920 m²
Building footprint
351 m²
Volume, LiDAR
1,653 m³
Parcel 34009A0118/00K002, Flanders · tallest building 11.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
CHALLENGE THE NORM
since 20232.340.751.936
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34009A0118/00K002 | Flanders | 920 m² | 1 · 351 m² | 11.0 m · 1 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 82,241 companies in sector 70200 we hold annual accounts for 52,391. 40,640 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-01-2023
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.