Chapter 3
ActiveChapter 3 has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €15k and a net result of €835. Equity is growing by ~4.7% per year across the filed fiscal years. Its solvency ranks better than 16% of 31616 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very 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
Profitability43▲+20
Solvency34▼-1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.09 against 1.09 in 2024; short-term debt: 91.3% and cash: 63.6% of total assets), and 91.3% 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 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
8.7%
Return on assets
0.5%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 31616 sector peers (2025).
NBB · sector comparisonPosition among 31616 sector peers
Solvency
better than 16%
← weakest
strongest →
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 04-06-2026, 57 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
57 d early
2024
90 d early
2023
71 d early
2022
61 d early
2021
82 d early
2020
61 d early
2019
67 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
€15k▲ 5.7%
2024 · €15k
2019: €7k
2020: €14k
2021: €15k
2022: €16k
2023: €16k
2024: €15k
2019 → 2025
Total assets
€178k▲ 20.3%
2024 · €148k
2019: €67k
2020: €71k
2021: €93k
2022: €106k
2023: €135k
2024: €148k
2019 → 2025
Net result
€835
2024 · €-2k
2019: €911
2020: €7k
2021: €897
2022: €1k
2023: €-156
2024: €-2k
2019 → 2025
Working capital
€14k▲ 16.6%
2024 · €12k
2019: €3k
2020: €11k
2021: €13k
2022: €12k
2023: €13k
2024: €12k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€15k-€16k▲ 9.1%€16k▼ 1.0%€15k▼ 10.0%€15k▲ 5.7%
Operating result€1k-€1k▼ 9.1%€884▼ 31.5%€-207€3k
Net result€897-€1k▲ 51.7%€-156€-2k▼ 942%€835
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €3k after a loss of €207 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €178k
Fixed assets
€1k▼ 46.1%
Current assets
€177k▲ 21.5%
Equity and liabilities €178k
Equity
€15k▲ 5.7%
Debt
€163k▲ 21.9%
The debt ratio rises from 90.2% to 91.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€4k▲
2024 · €953
Cash flow
€2k▲
2024 · €-466
Solvency
8.7%▼
2024 · 9.8%
Current ratio
1.09▼
2024 · 1.09
Quick ratio
1.09▼
2024 · 1.09
Debt / equity
10.56▲
2024 · 9.16
ROE
5.4%▲
2024 · -11.2%
ROA
0.5%▲
2024 · -1.1%
Interest coverage
2.84▲
2024 · 0.67
Debt
€163k▲
2024 · €133k
Debt ≤ 1 year
€163k▲
2024 · €133k
Income taxes
€452
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€148k€178k▲
Fixed assets21/28€3k€1k▼
Intangible fixed assets21€2k€924▼
Tangible fixed assets22/27€833€433▼
Plant, machinery and equipment23€833€433▼
Current assets29/58€145k€177k▲
Amounts receivable within one year40/41€130k€63k▼
Trade receivables40€124k€55k▼
Other amounts receivable41€6k€8k▲
Cash at bank and in hand54/58€15k€113k▲
Equity and liabilities
Total equity and liabilities10/49€148k€178k▲
Equity10/15€15k€15k▲
Contributions10/11€6k€6k=
Reserves13€8k€9k▲
Distributable reserves133€8k€9k▲
Amounts payable17/49€133k€163k▲
Amounts payable within one year42/48€133k€163k▲
Trade debts44€115k€143k▲
Suppliers440/4€115k€143k▲
Taxes, remuneration and social security45€256€639▲
Taxes450/3€256€639▲
Other amounts payable47/48€18k€19k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k=
Other operating charges640/8€577€675▲
Gross operating margin9900€2k€4k▲
Operating profit (loss)9901€-207€3k▲
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€-2k€1k▲
Income taxes67/77-€452
Profit (loss) for the period9904€-2k€835▲
Profit (loss) for the period to be appropriated9905€-2k€835▲
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€835▲
Transfer from equity791/2€2k-
Transfer to equity691/2-€835
To other reserves6921-€835
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
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €835
Net result €835 after 2 loss-making years.
02-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-2k
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
21-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
10-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2019net €7k ▲666%
Operating result €8k, net result €7k, both a record.
25-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, De Haan · 1 establishment unit since 2019
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.
Marcel Meyerslaan 138420 De HaanGround area
3,162 m²
Building footprint
1,817 m²
Volume, LiDAR
383 m³
2 parcels, Flanders · tallest building 10.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Chapter 3
since 20192.285.063.147
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35007A0310/00D002 | Flanders | 3,048 m² | 1 · 1,759 m² | - |
| 33029B0682/00X002 | Flanders | 115 m² | 1 · 59 m² | 10.7 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Connections & network
1 connected companyNetwork connections
Shared address
→
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 477 EUR awarded · 477 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 477 EUR | 477 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 52,573. 27,724 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-01-2019
Fiscal year end31-12
Abbreviation NL
Ch3
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
62010Computer programming, consultancy and related activities
62100Computer programming
70210Activities of head offices; management consultancy activities
73110Advertising agencies
73300Public relations and communication consultancy
82300Organisation of conventions and trade shows
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.
Contact details
1 entryPhone:0000000000