COLLECTIBLE Services
ActiveCOLLECTIBLE Services has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €41k and a net result of €12k. Equity is growing by ~35.4% per year across the filed fiscal years. Its solvency ranks better than 40% of 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
86
/ 100
Excellent▼ -14 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency79▼-21
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 1.59 against 4.0 in 2024), but 56.4% 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
43.6%
Return on assets
12.6%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 5 filingsDeviation from the deadline
2025
31 d late
2024
56 d late
2023
19 d late
2022
24 d early
2021
30 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
€41k▲ 40.5%
2024 · €29k
2021: €14k
2022: €12k
2023: €14k
2024: €29k
2021 → 2025
Total assets
€95k▲ 166%
2024 · €36k
2021: €23k
2022: €18k
2023: €25k
2024: €36k
2021 → 2025
Net result
€12k▼ 23.2%
2024 · €16k
2021: €10k
2022: €-2k
2023: €1k
2024: €16k
2021 → 2025
Working capital
€32k▲ 70.9%
2024 · €19k
2021: €14k
2022: €12k
2023: €2k
2024: €19k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€14k-€12k▼ 13.3%€14k▲ 12.1%€29k▲ 112%€41k▲ 40.5%
Operating result€13k-€-2k€2k€30k▲ 1,291%€17k▼ 44.6%
Net result€10k-€-2k€1k€16k▲ 940%€12k▼ 23.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 45% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €95k
Fixed assets
€10k▼ 11.6%
Current assets
€85k▲ 244%
Equity and liabilities €95k
Equity
€41k▲ 40.5%
Debt
€54k▲ 762%
The debt ratio rises from 17.4% to 56.4%: debt grows faster than equity.
Key figures and ratios
EBITDA
€18k▼
2024 · €32k
Cash flow
€13k▼
2024 · €17k
Solvency
43.6%▼
2024 · 82.6%
Current ratio
1.59▼
2024 · 4.00
Quick ratio
1.59▼
2024 · 4.00
Debt / equity
1.29▲
2024 · 0.21
ROE
28.8%▼
2024 · 52.8%
ROA
12.6%▼
2024 · 43.6%
Interest coverage
41.26▲
2024 · 3.35
Debt
€54k▲
2024 · €6k
Debt ≤ 1 year
€54k▲
2024 · €6k
Income taxes
€4k▼
2024 · €5k
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€36k€95k▲
Fixed assets21/28€11k€10k▼
Tangible fixed assets22/27€11k€10k▼
Furniture and vehicles24€2k€1k▼
Other tangible fixed assets26€9k€8k▼
Assets under construction and advance payments27€0-
Current assets29/58€25k€85k▲
Amounts receivable within one year40/41€21k€81k▲
Trade receivables40€142€36k▲
Other amounts receivable41€21k€45k▲
Cash at bank and in hand54/58€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€36k€95k▲
Equity10/15€29k€41k▲
Contributions10/11€4k€4k=
Profit (loss) carried forward14€25k€37k▲
Amounts payable17/49€6k€54k▲
Amounts payable within one year42/48€6k€54k▲
Trade debts44€1k€45k▲
Suppliers440/4€1k€45k▲
Advances received on contracts in progress46€4k€4k=
Taxes, remuneration and social security45€869€4k▲
Taxes450/3€869€4k▲
Other amounts payable47/48€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€1k▼
Other operating charges640/8€461€722▲
Gross operating margin9900€33k€19k▼
Operating profit (loss)9901€30k€17k▼
Financial income75/76B€108-
Recurring financial income75€108-
Financial charges65/66B€10k€439▼
Recurring financial charges65€10k€439▼
Profit (loss) for the period before taxes9903€21k€16k▼
Income taxes67/77€5k€4k▼
Profit (loss) for the period9904€16k€12k▼
Profit (loss) for the period to be appropriated9905€16k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€25k€37k▲
Profit (loss) brought forward from the previous period14P€10k€25k▲
The notes to these accounts (4 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
25-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 56 days late
2024
31-12
Financial
Highest result since 2021net €16k ▲940%
Operating result €30k, net result €16k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 4.00
Current ratio from 1.18 to 4.00; short-term debt falls from €11k to €6k.
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-2k ▼118%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Elsene · 1 establishment unit since 2020
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.
Sint-Jorisstraat 91050 ElseneGround area
74 m²
Building footprint
65 m²
Volume, LiDAR
795 m³
Parcel 21447B0139/00K012, Brussels · tallest building 16.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
COLLECTIBLE Services
since 20202.304.595.680
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21447B0139/00K012 | Brussels | 74 m² | 1 · 65 m² | 16.6 m · 4 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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Vovas
BE 0629.908.991
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DenDo
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VWK Solutions
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Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 36,848 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-06-2020
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.