Common Sense Communication
ActiveThe annual accounts of Common Sense Communication for fiscal year 2025 show a net loss of 201% of total assets and of 90% of the equity at the start of that year. The 2025 annual accounts show equity of €2k and a net result of €-15k. Equity is shrinking by ~18.8% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 25% of 31662 sector peers (fiscal year 2025). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
45
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency47▼-53
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.29 against 4.76 in 2024; short-term debt: 77.7% and cash: 3.7% of total assets), and 77.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
22.3%
Return on assets
-200.7%
Age of the figures
9 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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-15k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 31662 sector peers (2025).
NBB · sector comparisonPosition among 31662 sector peers
Solvency
better than 25%
← weakest
strongest →
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 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
28 d late
2023
59 d late
2022
32 d late
2021
5 d late
2020
26 d late
2019
21 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2k▼ 90.0%
2024 · €17k
2018: €57k
2019: €66k
2020: €51k
2021: €50k
2022: €41k
2023: €25k
2024: €17k
2018 → 2025
Total assets
€8k▼ 64.6%
2024 · €21k
2018: €59k
2019: €75k
2020: €59k
2021: €60k
2022: €50k
2023: €42k
2024: €21k
2018 → 2025
Net result
€-15k▼ 96.3%
2024 · €-8k
2018: €-5k
2019: €9k
2020: €-15k
2021: €-993
2022: €410
2023: €-17k
2024: €-8k
2018 → 2025
Working capital
€2k▼ 90.0%
2024 · €17k
2018: €53k
2019: €61k
2020: €49k
2021: €50k
2022: €41k
2023: €25k
2024: €17k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€50k-€41k▼ 16.7%€25k▼ 40.5%€17k▼ 31.4%€2k▼ 90.0%
Operating result€-845-€397€-17k€-10k▲ 41.0%€-14k▼ 40.7%
Net result€-993-€410€-17k€-8k▲ 53.8%€-15k▼ 96.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €14k in 2025 against €10k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €8k
Equity
€2k▼ 90.0%
Debt
€6k▲ 31.0%
The debt ratio rises from 21.0% to 77.7%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
22.3%▼
2024 · 79.0%
Current ratio
1.29▼
2024 · 4.76
Quick ratio
1.29▼
2024 · 4.76
Debt / equity
3.48▲
2024 · 0.27
ROE
-898.9%▼
2024 · -45.9%
ROA
-200.7%▼
2024 · -36.2%
Debt
€6k▲
2024 · €4k
Debt ≤ 1 year
€6k▲
2024 · €4k
Income taxes
€1k▲
2024 · €86
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€21k€8k▼
Current assets29/58€21k€8k▼
Amounts receivable within one year40/41€5k€6k▲
Trade receivables40€4k€6k▲
Other amounts receivable41€2k€0▼
Current investments50/53€0-
Cash at bank and in hand54/58€16k€281▼
Deferred charges and accrued income490/1€572€2k▲
Equity and liabilities
Total equity and liabilities10/49€21k€8k▼
Equity10/15€17k€2k▼
Contributions10/11€6k€6k=
Reserves13€67k€67k=
Tax-exempt reserves132€18k€18k=
Distributable reserves133€49k€49k=
Profit (loss) carried forward14€-57k€-72k▼
Amounts payable17/49€4k€6k▲
Amounts payable within one year42/48€4k€6k▲
Trade debts44€618€31▼
Suppliers440/4€618€31▼
Taxes, remuneration and social security45€62€288▲
Taxes450/3€62€288▲
Other amounts payable47/48€4k€6k▲
Income statement
Code20242025
Remuneration, social security and pensions62€0-
Other operating charges640/8€0€528▲
Gross operating margin9900€-10k€-13k▼
Operating profit (loss)9901€-10k€-14k▼
Financial income75/76B€2k€86▼
Recurring financial income75€2k€86▼
Financial charges65/66B€129€348▲
Recurring financial charges65€129€348▲
Profit (loss) for the period before taxes9903€-8k€-14k▼
Income taxes67/77€86€1k▲
Profit (loss) for the period9904€-8k€-15k▼
Profit (loss) for the period to be appropriated9905€-8k€-15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-57k€-72k▼
Profit (loss) brought forward from the previous period14P€-49k€-57k▼
The notes to these accounts (3 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
15-07
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
28-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 59 days late
2023
31-12
Financial
Weakest financial yearnet €-17k ▼4188%
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Back to profitnet €410
Net result €410 after 2 loss-making years.
05-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 5 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
10-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 25 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, Herent · 1 establishment unit since 2008
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.
Kerkstraat 113020 HerentGround area
169 m²
Building footprint
169 m²
Volume, LiDAR
872 m³
Parcel 24111A0084/00C000, Flanders · tallest building 6.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kerkstraat 11, 3020 Herent
since 20082.171.478.226
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24111A0084/00C000 | Flanders | 169 m² | 1 · 169 m² | 6.6 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.
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,574. 7,042 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-06-2008
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 17 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.