COLAB48distribution
ActiveCOLAB48distribution has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €47k and a net result of €7k. Equity is growing by ~15.8% per year across the filed fiscal years. Its solvency ranks better than 34% of 875 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
63
/ 100
Healthy▼ -5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+10
Solvency28▼-13
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.32 against 1.31 in 2024), and 85.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
6 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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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
14.2%
Return on assets
2.2%
Age of the figures
8 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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
24 d late
2024
28 d late
2023
35 d early
2022
6 d early
2021
34 d early
2020
9 d late
2019
18 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
04-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€47k▲ 18.1%
2024 · €39k
2023: €34k
2024: €39k
2023 → 2025
Total assets
€327k▲ 95.8%
2024 · €167k
2023: €207k
2024: €167k
2023 → 2025
Net result
€7k▲ 34.9%
2024 · €5k
2023: €4k
2024: €5k
2023 → 2025
Working capital
€80k▲ 102%
2024 · €40k
2023: €35k
2024: €40k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€34k-€39k▲ 15.5%€47k▲ 18.1%
Operating result€441-€10k▲ 2,104%€11k▲ 13.8%
Net result€4k-€5k▲ 24.0%€7k▲ 34.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 14% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €327k
Equity
€47k▲ 18.1%
Debt
€280k▲ 120%
The debt ratio rises from 76.4% to 85.8%: debt grows faster than equity.
Key figures and ratios
Solvency
14.2%▼
2024 · 23.6%
Current ratio
1.32▲
2024 · 1.31
Quick ratio
0.98▼
2024 · 1.06
Debt / equity
6.02▲
2024 · 3.24
ROE
15.3%▲
2024 · 13.4%
ROA
2.2%▼
2024 · 3.2%
Debt
€280k▲
2024 · €127k
Debt ≤ 1 year
€247k▲
2024 · €127k
Debt > 1 year
€30k
Income taxes
€3k▲
2024 · €2k
Staff costs
€41k▲
2024 · €7k
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
Balance sheet
Code2025
Total assets
20/58€327k
Current assets
29/58€327k
Stocks & contracts in progress
3€86k
Amounts receivable within one year
40/41€123k
Cash & bank
54/58€65k
Total equity & liabilities
10/49€327k
Equity
10/15€47k
Contributions / capital
10/11€16k
Reserves
13€30k
Amounts payable
17/49€280k
Amounts payable after one year
17€30k
Amounts payable within one year
42/48€247k
Trade debts payable within one year
44€238k
Income statement
Code2025
Gross operating margin
9900€53k
Operating result
9901€11k
Financial income
75€8k
Financial charges
65€9k
Result before taxes
9903€10k
Income taxes
67/77€3k
Net result for the period
9904€7k
Result to be appropriated
9905€7k
This is the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan.
See plans →
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
31-12
Financial
Highest result since 2023net €7k ▲34.9%
Operating result €11k, net result €7k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
09-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 9 days late
2020
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
28-06
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.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
ESSEK
BE 0864.504.283
Braine-l'Alleud · Eq €46k
MILLESABOTS
BE 0736.729.549
Messancy · Eq €46k
MEN'N CO
BE 0470.120.297
Perwez · Eq €47k
PROBAL
BE 0477.851.593
Ukkel · Eq €47k
Adoration
BE 0732.623.479
Hasselt · Eq €45k
Of 1,307 companies in sector 46423 we hold annual accounts for 746. 467 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-02-2015
Fiscal year end31-12
Activities, NACEBEL
46423Wholesale of clothing, excluding workwear and underwear
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 15-07-2026. Scores and ratios are computed by Checked and are not a credit decision.