CHOICE LINE
ActiveCHOICE LINE has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €236k and a net result of €37k. Equity remains stable across the filed fiscal years (±1.3% per year). Its solvency ranks better than 90% of 18237 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
79
/ 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
Profitability72▲+8
Solvency100=
Growth83▲+4
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 6.19 against 4.73 in 2024; short-term debt: 16% and cash: 0.6% of total assets), and 16% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
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
84%
Return on assets
13.3%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €236k
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 03-06-2026, 58 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
58 d early
2024
51 d early
2023
67 d early
2022
2 d late
2021
9 d late
2020
24 d late
2019
124 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€791k▲ 28.3%
2024 · €617k
2022: €456k
2023: €738k
2024: €617k
2022 → 2025
EBIT margin
6.4%▲ 2.3pp
2024 · 4.1%
2022: 2.5%
2023: -1.8%
2024: 4.1%
2022 → 2025
Net result
€37k▲ 109%
2024 · €18k
2018: €9k
2019: €-2k
2020: €2k
2021: €2k
2022: €4k
2023: €-15k
2024: €18k
2018 → 2025
Working capital
€233k▲ 19.4%
2024 · €195k
2018: €194k
2019: €188k
2020: €194k
2021: €200k
2022: €207k
2023: €177k
2024: €195k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€456k€738k▲ 61.9%€617k▼ 16.5%€791k▲ 28.3%
Equity€210k-€214k▲ 1.8%€180k▼ 15.7%€198k▲ 9.9%€236k▲ 18.9%
Operating result€5k-€11k▲ 129%€-13k€25k€51k▲ 101%
Net result€2k-€4k▲ 87.3%€-15k€18k€37k▲ 109%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 101% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €281k
Fixed assets
€3k▼ 11.4%
Current assets
€278k▲ 12.3%
Equity and liabilities €281k
Equity
€236k▲ 18.9%
Debt
€45k▼ 14.2%
The debt ratio falls from 20.9% to 16.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€51k▲
2024 · €26k
Cash flow
€38k▲
2024 · €18k
Solvency
84.0%▲
2024 · 79.1%
Current ratio
6.19▲
2024 · 4.73
Quick ratio
3.74▲
2024 · 0.94
Debt / equity
0.19▼
2024 · 0.26
ROE
15.9%▲
2024 · 9.0%
ROA
13.3%▲
2024 · 7.1%
Interest coverage
440.79▲
2024 · 175.76
Debt
€45k▼
2024 · €52k
Debt ≤ 1 year
€45k▼
2024 · €52k
Income taxes
€13k▲
2024 · €7k
Staff costs
€18k▲
2024 · €6k
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€250k€281k▲
Fixed assets21/28€3k€3k▼
Tangible fixed assets22/27€635€267▼
Furniture and vehicles24€635€267▼
Financial fixed assets28€3k€3k=
Current assets29/58€247k€278k▲
Stocks and contracts in progress3€198k€110k▼
Stocks30/36€198k€110k▼
Amounts receivable within one year40/41€32k€166k▲
Trade receivables40€10k€85k▲
Other amounts receivable41€22k€81k▲
Cash at bank and in hand54/58€17k€2k▼
Deferred charges and accrued income490/1€205€425▲
Equity and liabilities
Total equity and liabilities10/49€250k€281k▲
Equity10/15€198k€236k▲
Contributions10/11€1k€1k=
Reserves13€173k€173k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€19k€19k=
Distributable reserves133€153k€153k=
Profit (loss) carried forward14€24k€61k▲
Amounts payable17/49€52k€45k▼
Amounts payable within one year42/48€52k€45k▼
Trade debts44€26k€16k▼
Suppliers440/4€26k€16k▼
Taxes, remuneration and social security45€7k€29k▲
Taxes450/3€7k€27k▲
Remuneration and social security454/9-€2k
Other amounts payable47/48€19k-
Income statement
Code20242025
Turnover70€617k€791k▲
Non-recurring operating income76A€21k-
Goods, raw materials, services and sundry goods60/61€604k€718k▲
Remuneration, social security and pensions62€6k€18k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€368€368=
Other operating charges640/8€5k€8k▲
Gross operating margin9900€37k€77k▲
Operating profit (loss)9901€25k€51k▲
Financial charges65/66B€146€116▼
Recurring financial charges65€146€116▼
Profit (loss) for the period before taxes9903€25k€51k▲
Income taxes67/77€7k€13k▲
Profit (loss) for the period9904€18k€37k▲
Profit (loss) for the period to be appropriated9905€18k€37k▲
Appropriation of the result
Profit (loss) to be appropriated9906€24k€61k▲
Profit (loss) brought forward from the previous period14P€6k€24k▲
The notes to these accounts (5 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
03-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €37k ▲109%
Operating result €51k, net result €37k, both a record.
31-12
Financial
Equity above €200kEq €236k ▲18.9%
2 profitable years in a row build equity to €236k.
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
25-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-15k ▼495%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
02-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
2022
09-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
2021
30-09
Financial
Liquidity times 54current ratio 358.41
Current ratio from 6.59 to 358.41; short-term debt falls from €35k to €559.
24-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
30-09
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
01-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 124 days late
2019
30-09
Financial
Equity above €200kEq €207k ▲5.1%
Equity rises from €197k to €207k.
29-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 147 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 123 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
12 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, Antwerpen · 1 establishment unit since 2008
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.
Turnhoutsebaan 1622140 AntwerpenGround area
271 m²
Building footprint
229 m²
Volume, LiDAR
5,221 m³
Parcel 11006A0569/00A000, Flanders · tallest building 26.2 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
Turnhoutsebaan 162, 2140 Antwerpen
since 20082.168.935.440
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11006A0569/00A000 | Flanders | 271 m² | 1 · 229 m² | 26.2 m · 8 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteAntwerpen2.168.935.440
Similar companies · same sector, comparable size
SM DINANT
BE 1007.520.984
Dinant · Eq €236k
CRESCEIS
BE 0827.867.977
Dilsen-Stokkem · Eq €235k
SUPER MARKET HERSTAL
BE 0646.867.066
Herstal · Eq €236k
POM BDC
BE 0765.857.560
Liège · Eq €236k
ASIA FOOD
BE 0441.950.509
Antwerpen · Eq €236k
Of 10,524 companies in sector 47110 we hold annual accounts for 5,860. 4,055 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-03-2006
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.