CITIZENFUND
ActiveCITIZENFUND has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €518k and a net result of €-3k. Equity is growing by ~14.3% per year across the filed fiscal years. Its solvency ranks better than 93% of 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
63
/ 100
Healthy▲ +11 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100=
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 8.26 against 8.49 in 2024), and 5.6% 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 →
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
94.4%
Return on assets
-0.5%
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 20-07-2026, 11 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
11 d early
2024
21 d late
2023
3 d late
2022
60 d early
2021
60 d early
2020
44 d early
2019
56 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€518k▲ 4.0%
2024 · €498k
2018: €67k
2019: €99k
2020: €253k
2021: €450k
2022: €489k
2023: €513k
2024: €498k
2018 → 2025
Total assets
€548k▲ 4.4%
2024 · €525k
2018: €93k
2019: €122k
2020: €276k
2021: €477k
2022: €515k
2023: €540k
2024: €525k
2018 → 2025
Net result
€-3k▲ 93.0%
2024 · €-38k
2018: €-8k
2019: €-12k
2020: €10k
2021: €-4k
2022: €-5k
2023: €7k
2024: €-38k
2018 → 2025
Working capital
€223k▲ 8.8%
2024 · €205k
2018: €90k
2019: €39k
2020: €164k
2021: €277k
2022: €250k
2023: €238k
2024: €205k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€450k-€489k▲ 8.5%€513k▲ 5.0%€498k▼ 3.0%€518k▲ 4.0%
Operating result€-5k-€-6k▼ 21.4%€-3k▲ 51.2%€-18k▼ 579%€-4k▲ 75.7%
Net result€-4k-€-5k▼ 23.3%€7k€-38k€-3k▲ 93.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €4k in 2025 against €18k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €548k
Fixed assets
€295k▲ 0.7%
Current assets
€254k▲ 9.2%
Equity and liabilities €548k
Equity
€518k▲ 4.0%
Debt
€31k▲ 12.2%
The debt ratio rises from 5.2% to 5.6%: debt grows faster than equity.
Key figures and ratios
EBITDA
€-2k▲
2024 · €-16k
Cash flow
€-12▲
2024 · €-36k
Solvency
94.4%▼
2024 · 94.8%
Current ratio
8.26▼
2024 · 8.49
Quick ratio
8.26▼
2024 · 8.49
Debt / equity
0.06▲
2024 · 0.05
ROE
-0.5%▲
2024 · -7.7%
ROA
-0.5%▲
2024 · -7.3%
Interest coverage
-5.87▲
2024 · -60.01
Debt
€31k▲
2024 · €27k
Debt ≤ 1 year
€31k▲
2024 · €27k
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€525k€548k▲
Fixed assets21/28€293k€295k▲
Intangible fixed assets21€3k€324▼
Financial fixed assets28€290k€294k▲
Current assets29/58€232k€254k▲
Amounts receivable after more than one year29€71k€50k▼
Other amounts receivable291€71k€50k▼
Amounts receivable within one year40/41€10k€22k▲
Trade receivables40€1k€5k▲
Other amounts receivable41€9k€16k▲
Cash at bank and in hand54/58€151k€182k▲
Deferred charges and accrued income490/1-€385
Equity and liabilities
Total equity and liabilities10/49€525k€548k▲
Equity10/15€498k€518k▲
Contributions10/11€548k€571k▲
Profit (loss) carried forward14€-50k€-53k▼
Amounts payable17/49€27k€31k▲
Amounts payable within one year42/48€27k€31k▲
Trade debts44€1k€854▼
Suppliers440/4€1k€854▼
Advances received on contracts in progress46€22€619▲
Taxes, remuneration and social security45€92€124▲
Taxes450/3€92€124▲
Other amounts payable47/48€26k€29k▲
Income statement
Code20242025
Non-recurring operating income76A€158€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k=
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€14k€0▼
Other operating charges640/8€772€524▼
Gross operating margin9900€-652€-1k▼
Operating profit (loss)9901€-18k€-4k▲
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€2k▲
Non-recurring financial income76B€0€200▲
Financial charges65/66B€22k€918▼
Recurring financial charges65€261€304▲
Non-recurring financial charges66B€22k€614▼
Profit (loss) for the period before taxes9903€-38k€-3k▲
Profit (loss) for the period9904€-38k€-3k▲
Profit (loss) for the period to be appropriated9905€-38k€-3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-50k€-53k▼
Profit (loss) brought forward from the previous period14P€-12k€-50k▼
The notes to these accounts (12 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
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €500kEq €518k ▲4%
Equity rises from €498k to €518k.
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
31-12
Financial
Weakest financial yearnet €-38k ▼653%
Net result drops to €-38k, the lowest in the series; recovery starts the following year.
03-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 3 days late
2023
31-12
Financial
Back to profitnet €7k
Net result €7k after 2 loss-making years.
31-12
Financial
Equity above €500kEq €513k ▲5%
Equity rises from €489k to €513k.
01-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
01-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
17-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €10k
Net result €10k after 2 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 8.39
Current ratio from 2.71 to 8.39; short-term debt falls from €23k to €22k.
31-12
Financial
Equity above €200kEq €253k ▲156%
Equity rises from €99k to €253k.
25-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 56 days late
2019
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro 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, Watermaal-Bosvoorde · 1 establishment unit since 2017
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.
Terhulpsesteenweg 1501170 Watermaal-BosvoordeGround area
4,415 m²
Building footprint
2,124 m²
Volume, LiDAR
45,158 m³
Parcel 21652E0035/00R005, Brussels · tallest building 36.1 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
CITIZENFUND
since 20172.264.720.267
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21652E0035/00R005 | Brussels | 4,415 m² | 1 · 2,124 m² | 36.1 m · 7 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 82,215 companies in sector 70200 we hold annual accounts for 52,392. 34,257 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formCooperative company
Founded31-05-2017
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
64929Financial service activities, except insurance and pension funding
66199Other activities auxiliary to financial services, excluding insurance and pension funding
66300Activities auxiliary to financial services and insurance activities
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.