COHERENCES
ActiveCOHERENCES has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €186k and a net result of €91k. Equity is growing by ~59% per year across the filed fiscal years. Its solvency ranks better than 55% of 7027 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+14
Solvency86▼-14
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 1.73 against 1.96 in 2024; short-term debt: 39.5% and cash: 19.8% of total assets), and 39.5% 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 · 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
60.5%
Return on assets
29.6%
Age of the figures
18 mo
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 12-11-2025, 12 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
12 d late
2024
1 d early
2023
9 d late
2022
60 d late
2021
3 d late
2020
60 d late
2019
24 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close22-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€186k▲ 38.7%
2024 · €134k
2019: €23k
2020: €147
2021: €23k
2022: €62k
2023: €111k
2024: €134k
2019 → 2025
Total assets
€307k▲ 83.7%
2024 · €167k
2019: €231k
2020: €173k
2021: €174k
2022: €167k
2023: €187k
2024: €167k
2019 → 2025
Net result
€91k▲ 286%
2024 · €24k
2019: €-28k
2020: €-22k
2021: €23k
2022: €39k
2023: €49k
2024: €24k
2019 → 2025
Working capital
€89k▲ 180%
2024 · €32k
2019: €-62k
2020: €-97k
2021: €-81k
2022: €-49k
2023: €205
2024: €32k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€23k-€62k▲ 169%€111k▲ 79.7%€134k▲ 21.3%€186k▲ 38.7%
Operating result€29k-€42k▲ 45.8%€64k▲ 54.1%€37k▼ 43.0%€132k▲ 259%
Net result€23k-€39k▲ 70.1%€49k▲ 27.0%€24k▼ 52.0%€91k▲ 286%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 259% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €307k
Fixed assets
€97k▼ 5.2%
Current assets
€210k▲ 224%
Equity and liabilities €307k
Equity
€186k▲ 38.7%
Debt
€121k▲ 266%
The debt ratio rises from 19.8% to 39.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€144k▲
2024 · €48k
Cash flow
€103k▲
2024 · €35k
Solvency
60.5%▼
2024 · 80.2%
Current ratio
1.73▼
2024 · 1.96
Quick ratio
1.73▼
2024 · 1.96
Debt / equity
0.65▲
2024 · 0.25
ROE
48.9%▲
2024 · 17.6%
ROA
29.6%▲
2024 · 14.1%
Interest coverage
101.17▲
2024 · 43.38
Debt
€121k▲
2024 · €33k
Debt ≤ 1 year
€121k▲
2024 · €33k
Income taxes
€39k▲
2024 · €12k
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€167k€307k▲
Fixed assets21/28€102k€97k▼
Tangible fixed assets22/27€102k€97k▼
Land and buildings22€99k€88k▼
Plant, machinery and equipment23-€5k
Furniture and vehicles24€3k€3k▲
Financial fixed assets28€50€50=
Current assets29/58€65k€210k▲
Amounts receivable within one year40/41€27k€147k▲
Trade receivables40€27k€147k▲
Cash at bank and in hand54/58€37k€61k▲
Deferred charges and accrued income490/1€1k€3k▲
Equity and liabilities
Total equity and liabilities10/49€167k€307k▲
Equity10/15€134k€186k▲
Contributions10/11€19k€19k=
Reserves13€116k€167k▲
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€114k€167k▲
Amounts payable17/49€33k€121k▲
Amounts payable within one year42/48€33k€121k▲
Trade debts44€6k€75k▲
Suppliers440/4€6k€75k▲
Taxes, remuneration and social security45€18k€13k▼
Taxes450/3€18k€13k▼
Other amounts payable47/48€9k€33k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€12k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€50k€145k▲
Operating profit (loss)9901€37k€132k▲
Financial income75/76B€23€8▼
Recurring financial income75€23€8▼
Financial charges65/66B€1k€1k▲
Recurring financial charges65€1k€1k▲
Profit (loss) for the period before taxes9903€36k€130k▲
Income taxes67/77€12k€39k▲
Profit (loss) for the period9904€24k€91k▲
Profit (loss) for the period to be appropriated9905€24k€91k▲
Appropriation of the result
Profit (loss) to be appropriated9906€24k€91k▲
Transfer from equity791/2-€39k
Transfer to equity691/2€24k€91k▲
To other reserves6921€24k€91k▲
Profit to be distributed694/7-€39k
Return on contributions (dividend)694-€39k
The notes to these accounts (10 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
2025
12-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 12 days late
31-03
Financial
Highest result since 2019net €91k ▲286%
Operating result €132k, net result €91k, both a record.
31-03
Financial
Equity above €150kEq €186k ▲38.7%
5 profitable years in a row build equity to €186k.
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
09-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 9 days late
31-03
Financial
Liquidity doublescurrent ratio 1.00
Current ratio from 0.48 to 1.00; short-term debt falls from €95k to €77k.
31-03
Financial
Equity above €100kEq €111k ▲79.7%
3 profitable years in a row build equity to €111k.
2022
30-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 60 days late
2021
03-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 3 days late
31-03
Financial
Back to profitnet €23k
Net result €23k after 2 loss-making years.
2020
30-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 60 days late
2019
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
29-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
31-10
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
3 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, Overijse · 2 establishment units since 2010
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.
Dreef 1983090 OverijseGround area
3,554 m²
Building footprint
567 m²
Volume, LiDAR
709 m³
2 parcels, Flanders, Wallonia · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Dreef 198, 3090 Overijse
since 20102.192.502.480
COHERENCES
since 20132.222.832.105
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23546E0314/00S002 | Flanders | 1,872 m² | 1 · 127 m² | 7.8 m · 2 fl. |
| 25092B0098/00B000 | Wallonia | 1,682 m² | 1 · 441 m² | - |
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.
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CONCEPT-F3
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PLURIBUS GLOBAL
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ARIADNE
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Of 13,422 companies in sector 73300 we hold annual accounts for 6,901. 5,333 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-05-2010
Fiscal year end31-03
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.