COMPANION
ActiveCOMPANION has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €772k and a net result of €187k. Equity is growing by ~33.4% per year across the filed fiscal years. Its solvency ranks better than 75% of 11195 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity ample (current ratio 3.99 against 3.07 in 2024), and 26.6% 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
73.4%
Return on assets
17.8%
Age of the figures
15 mo
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 →
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 29-01-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
85 d early
2023
20 d early
2022
1 d early
2021
3 d early
2020
16 d late
2019
7 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 close15-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€772k▲ 31.9%
2024 · €585k
2019: €42k
2020: €107k
2021: €241k
2022: €357k
2023: €466k
2024: €585k
2019 → 2025
Total assets
€1.05M▲ 20.7%
2024 · €871k
2019: €180k
2020: €380k
2021: €505k
2022: €655k
2023: €752k
2024: €871k
2019 → 2025
Net result
€187k▲ 56.7%
2024 · €119k
2019: €15k
2020: €64k
2021: €135k
2022: €116k
2023: €109k
2024: €119k
2019 → 2025
Working capital
€788k▲ 39.8%
2024 · €564k
2019: €-14k
2020: €-25k
2021: €129k
2022: €273k
2023: €432k
2024: €564k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€241k-€357k▲ 47.9%€466k▲ 30.5%€585k▲ 25.6%€772k▲ 31.9%
Operating result€146k-€160k▲ 9.1%€160k=€189k▲ 18.4%€281k▲ 48.5%
Net result€135k-€116k▼ 14.3%€109k▼ 5.8%€119k▲ 9.6%€187k▲ 56.7%
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 has risen four years in a row; 2025 is 48% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.05M
Fixed assets
€513▼ 98.5%
Current assets
€1.05M▲ 25.8%
Equity and liabilities €1.05M
Equity
€772k▲ 31.9%
Debt
€280k▼ 2.1%
The debt ratio falls from 32.9% to 26.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€315k▲
2024 · €198k
Cash flow
€221k▲
2024 · €129k
Solvency
73.4%▲
2024 · 67.1%
Current ratio
3.99▲
2024 · 3.07
Quick ratio
3.99▲
2024 · 3.07
Debt / equity
0.36▼
2024 · 0.49
ROE
24.2%▲
2024 · 20.4%
ROA
17.8%▲
2024 · 13.7%
Interest coverage
17.22▲
2024 · 11.13
Debt
€280k▼
2024 · €286k
Debt ≤ 1 year
€264k▼
2024 · €273k
Income taxes
€87k▲
2024 · €56k
Staff costs
€0▼
2024 · €66k
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€871k€1.05M▲
Fixed assets21/28€35k€513▼
Intangible fixed assets21€34k€0▼
Tangible fixed assets22/27€1k€513▼
Furniture and vehicles24€1k€513▼
Current assets29/58€836k€1.05M▲
Amounts receivable within one year40/41€283k€235k▼
Trade receivables40€108k€0▼
Other amounts receivable41€175k€235k▲
Current investments50/53€50k€0▼
Cash at bank and in hand54/58€503k€817k▲
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€871k€1.05M▲
Equity10/15€585k€772k▲
Contributions10/11€20k€20k=
Reserves13€565k€752k▲
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Tax-exempt reserves132€84k€84k=
Distributable reserves133€477k€664k▲
Amounts payable17/49€286k€280k▼
Amounts payable within one year42/48€273k€264k▼
Financial debts43€22k€28k▲
Credit institutions430/8€22k€28k▲
Trade debts44€2k€0▼
Suppliers440/4€2k€0▼
Taxes, remuneration and social security45€39k€19k▼
Taxes450/3€39k€19k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€209k€217k▲
Accrued charges and deferred income492/3€14k€16k▲
Income statement
Code20242025
Non-recurring operating income76A€0€9k▲
Remuneration, social security and pensions62€66k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€35k▲
Other operating charges640/8€2k€683▼
Non-recurring operating charges66A€0-
Gross operating margin9900€266k€316k▲
Operating profit (loss)9901€189k€281k▲
Financial income75/76B€4k€11k▲
Recurring financial income75€4k€11k▲
Financial charges65/66B€18k€18k▲
Recurring financial charges65€18k€18k▲
Profit (loss) for the period before taxes9903€176k€273k▲
Income taxes67/77€56k€87k▲
Profit (loss) for the period9904€119k€187k▲
Transfer to tax-exempt reserves689€0-
Profit (loss) for the period to be appropriated9905€119k€187k▲
Appropriation of the result
Profit (loss) to be appropriated9906€119k€187k▲
Transfer to equity691/2€119k€187k▲
To other reserves6921€119k€187k▲
The notes to these accounts (7 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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2019net €187k ▲56.7%
Operating result €281k, net result €187k, both a record.
2024
07-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Equity above €500kEq €585k ▲25.6%
6 profitable years in a row build equity to €585k.
11-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Equity above €200kEq €241k ▲126%
3 profitable years in a row build equity to €241k.
16-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 16 days late
2020
30-06
Financial
Equity above €100kEq €107k ▲152%
2 profitable years in a row build equity to €107k.
24-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
20-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
18-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
13-12
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
4 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, Oostende · 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.
Albert I-Promenade 62 B8400 OostendeGround area
650 m²
Building footprint
396 m²
Volume, LiDAR
9,578 m³
Parcel 35013A1596/00Z033, Flanders · tallest building 28.3 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
Veritas
since 20202.304.107.712
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35013A1596/00Z033 | Flanders | 650 m² | 1 · 396 m² | 28.3 m · 8 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 316 EUR awarded · 316 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 316 EUR | 316 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 1,556 companies in sector 46900 we hold annual accounts for 913. 646 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-05-2000
Fiscal year end30-06
Activities, NACEBEL
46900Non-specialised wholesale trade
51900
47120Other non-specialised retail sale
47191Retail trade
52122
Sources
Crossroads Bank for EnterprisesNational Bank · 25 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
1 entryPhone:0475201023