Collective A.
ActiveCollective A. has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €12k and a net result of €1k. Equity is growing by ~14.2% per year across the filed fiscal years. Its solvency ranks better than 27% of 3451 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▲+8
Solvency45▲+4
Growth78=
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.41 against 1.52 in 2024; short-term debt: 57% and cash: 12.3% of total assets), and 80% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 74
Relative position
BE, all sectors
reference
Sector 74
lower
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 22-12-2025, 40 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
40 d early
2024
42 d early
2023
33 d early
2022
42 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€12k▲ 14.0%
2024 · €11k
2022: €8k
2023: €10k
2024: €11k
2022 → 2025
Total assets
€60k▼ 6.7%
2024 · €65k
2022: €66k
2023: €59k
2024: €65k
2022 → 2025
Net result
€1k▲ 216%
2024 · €470
2022: €-7k
2023: €2k
2024: €470
2022 → 2025
Working capital
€14k▼ 15.4%
2024 · €17k
2022: €22k
2023: €20k
2024: €17k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€8k-€10k▲ 25.8%€11k▲ 4.6%€12k▲ 14.0%
Operating result€-6k-€3k€2k▼ 49.9%€2k▲ 56.9%
Net result€-7k-€2k€470▼ 77.3%€1k▲ 216%
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 57% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €60k
Fixed assets
€12k▼ 25.7%
Current assets
€49k▼ 0.6%
Equity and liabilities €60k
Equity
€12k▲ 14.0%
Debt
€48k▼ 10.8%
The debt ratio falls from 83.7% to 80.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€6k▲
2024 · €6k
Cash flow
€6k▲
2024 · €5k
Solvency
20.0%▲
2024 · 16.3%
Current ratio
1.41▼
2024 · 1.52
Quick ratio
0.27▼
2024 · 0.52
Debt / equity
4.01▼
2024 · 5.12
ROE
12.3%▲
2024 · 4.4%
ROA
2.5%▲
2024 · 0.7%
Interest coverage
7.14▲
2024 · 5.35
Debt
€48k▼
2024 · €54k
Debt ≤ 1 year
€34k▲
2024 · €32k
Debt > 1 year
€14k▼
2024 · €22k
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€65k€60k▼
Fixed assets21/28€16k€12k▼
Tangible fixed assets22/27€15k€11k▼
Furniture and vehicles24€374€215▼
Other tangible fixed assets26€15k€11k▼
Financial fixed assets28€795€795=
Current assets29/58€49k€49k▼
Stocks and contracts in progress3€32k€39k▲
Stocks30/36€32k€39k▲
Amounts receivable within one year40/41€11k€2k▼
Trade receivables40€11k€1k▼
Other amounts receivable41-€510
Cash at bank and in hand54/58€6k€7k▲
Equity and liabilities
Total equity and liabilities10/49€65k€60k▼
Equity10/15€11k€12k▲
Contributions10/11€15k€15k=
Profit (loss) carried forward14€-4k€-3k▲
Amounts payable17/49€54k€48k▼
Amounts payable after more than one year17€22k€14k▼
Financial debts170/4€22k€14k▼
Amounts payable within one year42/48€32k€34k▲
Current portion of amounts payable after more than one year42€8k€8k▲
Trade debts44€15k€12k▼
Suppliers440/4€15k€12k▼
Taxes, remuneration and social security45€543-
Taxes450/3€543-
Other amounts payable47/48€9k€14k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k=
Other operating charges640/8€148€1k▲
Gross operating margin9900€6k€8k▲
Operating profit (loss)9901€2k€2k▲
Financial income75/76B€1€16▲
Recurring financial income75€1€16▲
Financial charges65/66B€1k€897▼
Recurring financial charges65€1k€897▼
Profit (loss) for the period before taxes9903€470€1k▲
Income taxes67/77€0-
Profit (loss) for the period9904€470€1k▲
Profit (loss) for the period to be appropriated9905€470€1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€-3k▲
Profit (loss) brought forward from the previous period14P€-5k€-4k▲
The notes to these accounts (6 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
22-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
20-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
29-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
2022
20-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
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, Mechelen · 1 establishment unit since 2021
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.
Onder-den-Toren 82800 MechelenGround area
540 m²
Building footprint
421 m²
Volume, LiDAR
2,989 m³
2 parcels, Flanders · tallest building 14.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Collective A.
since 20212.323.366.566
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12005B0337/00M000 | Flanders | 284 m² | 1 · 178 m² | 12.4 m · 3 fl. |
| 12025E0451/00C000 | Flanders | 256 m² | 1 · 243 m² | 14.3 m · 3 fl. |
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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Of 1,452 companies in sector 74130 we hold annual accounts for 341. 247 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-10-2021
Fiscal year end30-06
Activities, NACEBEL
74104Other professional, scientific and technical activities
74130Interior design
47551Retail sale of household furniture
47552Retail sale of lighting equipment
47559Retail sale of other household articles
47591Retail trade
47592Retail trade
47599Retail trade
47715Retail trade
71112Activities of interior architects
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.
Contact details
2 entriesE-mail:anneke@annekecrauwels.com
Phone:0473554599