Clear2Act
ActiveClear2Act has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €217k and a net result of €47k. Equity is growing by ~24.9% per year across the filed fiscal years. Its solvency ranks better than 72% of 6963 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
98
/ 100
Excellent▲ +5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+3
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 3.62 against 14.64 in 2024), and 23.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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
76.1%
Return on assets
16.3%
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 07-04-2026, 115 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
115 d early
2024
28 d late
2023
49 d early
2022
31 d early
2021
51 d early
2020
43 d early
2019
39 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€217k▼ 2.2%
2024 · €222k
2018: €-18k
2019: €38k
2020: €90k
2021: €141k
2022: €135k
2023: €179k
2024: €222k
2018 → 2025
Total assets
€286k▲ 21.3%
2024 · €235k
2018: €57k
2019: €135k
2020: €137k
2021: €189k
2022: €175k
2023: €224k
2024: €235k
2018 → 2025
Net result
€47k▲ 7.7%
2024 · €43k
2018: €-22k
2019: €57k
2020: €51k
2021: €52k
2022: €20k
2023: €46k
2024: €43k
2018 → 2025
Working capital
€179k▲ 0.2%
2024 · €178k
2018: €-30k
2019: €-23k
2020: €51k
2021: €80k
2022: €75k
2023: €127k
2024: €178k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€141k-€135k▼ 4.2%€179k▲ 32.4%€222k▲ 24.1%€217k▼ 2.2%
Operating result€73k-€30k▼ 59.3%€67k▲ 125%€63k▼ 6.2%€66k▲ 6.2%
Net result€52k-€20k▼ 61.6%€46k▲ 131%€43k▼ 5.5%€47k▲ 7.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 6% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €286k
Fixed assets
€39k▼ 12.0%
Current assets
€247k▲ 29.0%
Equity and liabilities €286k
Equity
€217k▼ 2.2%
Debt
€68k▲ 421%
The debt ratio rises from 5.5% to 23.9%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€73k▲
2024 · €70k
Cash flow
€53k▲
2024 · €51k
Solvency
76.1%▼
2024 · 94.5%
Current ratio
3.62▼
2024 · 14.64
Quick ratio
3.62▼
2024 · 14.64
Debt / equity
0.31▲
2024 · 0.06
ROE
21.4%▲
2024 · 19.4%
ROA
16.3%▼
2024 · 18.4%
Interest coverage
51.36▼
2024 · 485.58
Debt
€68k▲
2024 · €13k
Debt ≤ 1 year
€68k▲
2024 · €13k
Income taxes
€19k▼
2024 · €19k
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€235k€286k▲
Fixed assets21/28€44k€39k▼
Tangible fixed assets22/27€44k€39k▼
Plant, machinery and equipment23-€1k
Furniture and vehicles24€5k€3k▼
Other tangible fixed assets26€39k€34k▼
Financial fixed assets28€90€90=
Current assets29/58€191k€247k▲
Amounts receivable within one year40/41€27k€18k▼
Trade receivables40€26k€16k▼
Other amounts receivable41€829€2k▲
Cash at bank and in hand54/58€164k€205k▲
Deferred charges and accrued income490/1€956€23k▲
Equity and liabilities
Total equity and liabilities10/49€235k€286k▲
Equity10/15€222k€217k▼
Contributions10/11€6k€6k=
Reserves13€212k€207k▼
Distributable reserves133€212k€207k▼
Profit (loss) carried forward14€4k€4k=
Amounts payable17/49€13k€68k▲
Amounts payable within one year42/48€13k€68k▲
Trade debts44€274€3k▲
Suppliers440/4€274€3k▲
Taxes, remuneration and social security45€5k€10k▲
Taxes450/3€5k€10k▲
Other amounts payable47/48€8k€55k▲
Income statement
Code20242025
Non-recurring operating income76A-€10k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€7k▼
Other operating charges640/8€387€400▲
Non-recurring operating charges66A€0-
Gross operating margin9900€71k€73k▲
Operating profit (loss)9901€63k€66k▲
Financial income75/76B€0€13▲
Recurring financial income75€0€13▲
Financial charges65/66B€145€1k▲
Recurring financial charges65€145€1k▲
Profit (loss) for the period before taxes9903€62k€65k▲
Income taxes67/77€19k€19k▼
Profit (loss) for the period9904€43k€47k▲
Profit (loss) for the period to be appropriated9905€43k€47k▲
Appropriation of the result
Profit (loss) to be appropriated9906€48k€51k▲
Profit (loss) brought forward from the previous period14P€4k€4k=
Transfer from equity791/2€0€51k▲
Transfer to equity691/2€43k€47k▲
To other reserves6921€43k€47k▲
Profit to be distributed694/7€0€51k▲
Return on contributions (dividend)694€0€51k▲
The notes to these accounts (11 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
07-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Liquidity quadruplescurrent ratio 14.64
Current ratio from 3.85 to 14.64; short-term debt falls from €45k to €13k.
31-12
Financial
Equity above €200kEq €222k ▲24.1%
6 profitable years in a row build equity to €222k.
12-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150kEq €179k ▲32.4%
5 profitable years in a row build equity to €179k.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
10-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100kEq €141k ▲57.5%
3 profitable years in a row build equity to €141k.
18-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity triplescurrent ratio 2.07
Current ratio from 0.76 to 2.07; short-term debt falls from €97k to €47k.
08-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 39 days late
2019
31-12
Financial
Back to profitnet €57k
Net result €57k after one loss-making year.
10-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
05-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2023
HOEFKENS Michel
CurrentDirector · since 13-12-2023
13-12-2023
Resigned as Director
13-12-2023
Appointed as Director
Location & real-estate footprint
Registered office, Sint-Genesius-Rode · 1 establishment unit since 2015
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.
Seringenlaan 141640 Sint-Genesius-RodeGround area
683 m²
Building footprint
148 m²
Volume, LiDAR
1,063 m³
Parcel 22004A0005/00Z000, Flanders · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Clear2Act
since 20152.244.802.605
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22004A0005/00Z000 | Flanders | 683 m² | 1 · 148 m² | 10.5 m · 2 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
Legal Entity Identifier
5493007T1MK8CY03OU64
Similar companies · same sector, comparable size
MCTT
BE 0840.771.353
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BE 0722.814.504
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FEDERATE
BE 0502.404.768
Schaarbeek · Eq €217k
slidingdoors
BE 0502.986.471
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R.G.S.A.
BE 0740.596.978
Flémalle · Eq €217k
Of 13,391 companies in sector 73300 we hold annual accounts for 6,881. 5,119 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-07-2015
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
46500Wholesale of information and communication equipment
46510Wholesale trade
47400Retail sale of information and communication equipment
47410Retail trade
62010Computer programming, consultancy and related activities
62020IT consultancy
62030Computer programming, consultancy and related activities
62900Other information technology and computer services
62100Computer programming
62200Computer consultancy and computer facilities management
64200Holdings
64210Activities of holding companies
70100Activities of head offices
70200Business and other management consultancy
70220Business consulting
74112Other professional, scientific and technical activities
74103Other professional, scientific and technical activities
74109Other professional, scientific and technical activities
74120Graphic design and visual communication
74140Other specialised design activities
74201Photography, excluding press photography
74209Other photographic activities
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
77229Renting and leasing of other personal and household goods
77299Rental and leasing activities
82300Organisation of conventions and trade shows
82990Other business support services
85592Vocational training
85599Other education
90021Arts creation and performing arts activities
90393Specialised image, lighting and sound technical services
90029Arts creation and performing arts activities
90311Arts creation and performing arts activities
90391Promotion and organisation of arts and performing arts events
90399Other support activities for arts and performing arts
93299Other amusement and recreation activities
95100Repair and maintenance of computers and communication equipment
95110Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.