CONVINCE
ActiveCONVINCE has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €66k and a net result of €32k. Equity is growing by ~23.1% per year across the filed fiscal years. Its solvency ranks better than 20% of 1898 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▲+19
Solvency40▼-9
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity short (current ratio 0.51 against 0.44 in 2024; short-term debt: 35.4% and cash: 16.6% of total assets), and 84.7% 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 63
Relative position
BE, all sectors
reference
Sector 63
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
15.3%
Return on assets
7.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 1898 sector peers (2025).
NBB · sector comparisonPosition among 1898 sector peers
Solvency
better than 20%
← 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 30-06-2026, 31 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
31 d early
2024
15 d early
2023
15 d early
2022
1 d late
2021
16 d early
2020
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€66k▼ 32.6%
2024 · €98k
2020: €24k
2021: €52k
2022: €68k
2023: €83k
2024: €98k
2020 → 2025
Total assets
€433k▲ 6.3%
2024 · €407k
2020: €43k
2021: €179k
2022: €188k
2023: €202k
2024: €407k
2020 → 2025
Net result
€32k▲ 103%
2024 · €16k
2020: €17k
2021: €27k
2022: €17k
2023: €14k
2024: €16k
2020 → 2025
Working capital
€-75k▼ 68.5%
2024 · €-45k
2020: €21k
2021: €31k
2022: €45k
2023: €55k
2024: €-45k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€52k-€68k▲ 32.2%€83k▲ 21.2%€98k▲ 18.8%€66k▼ 32.6%
Operating result€36k-€24k▼ 34.6%€21k▼ 10.5%€32k▲ 48.2%€55k▲ 74.0%
Net result€27k-€17k▼ 39.4%€14k▼ 12.7%€16k▲ 7.2%€32k▲ 103%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 74% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €433k
Fixed assets
€355k▼ 4.5%
Current assets
€78k▲ 121%
Equity and liabilities €433k
Equity
€66k▼ 32.6%
Debt
€366k▲ 18.7%
The debt ratio rises from 75.9% to 84.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€72k▲
2024 · €48k
Cash flow
€48k▲
2024 · €32k
Solvency
15.3%▼
2024 · 24.1%
Current ratio
0.51▲
2024 · 0.44
Quick ratio
0.51▲
2024 · 0.44
Debt / equity
5.54▲
2024 · 3.14
ROE
47.7%▲
2024 · 15.8%
ROA
7.3%▲
2024 · 3.8%
Interest coverage
6.49▲
2024 · 4.24
Debt
€366k▲
2024 · €309k
Debt ≤ 1 year
€153k▲
2024 · €80k
Debt > 1 year
€213k▼
2024 · €229k
Income taxes
€12k▲
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€407k€433k▲
Formation expenses20€63€0▼
Fixed assets21/28€371k€355k▼
Tangible fixed assets22/27€371k€355k▼
Land and buildings22€368k€353k▼
Plant, machinery and equipment23€1k€647▼
Furniture and vehicles24€2k€2k▼
Current assets29/58€35k€78k▲
Amounts receivable within one year40/41€258€5k▲
Trade receivables40€258€5k▲
Cash at bank and in hand54/58€34k€72k▲
Deferred charges and accrued income490/1€537€545▲
Equity and liabilities
Total equity and liabilities10/49€407k€433k▲
Equity10/15€98k€66k▼
Contributions10/11€8k€8k=
Reserves13€91k€59k▼
Distributable reserves133€91k€59k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€309k€366k▲
Amounts payable after more than one year17€229k€213k▼
Financial debts170/4€229k€213k▼
Amounts payable within one year42/48€80k€153k▲
Current portion of amounts payable after more than one year42€15k€15k▲
Trade debts44€679€6k▲
Suppliers440/4€679€6k▲
Taxes, remuneration and social security45€19k€34k▲
Taxes450/3€16k€30k▲
Remuneration and social security454/9€4k€4k▲
Other amounts payable47/48€45k€97k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€17k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€50k€74k▲
Operating profit (loss)9901€32k€55k▲
Financial income75/76B€2€0▼
Recurring financial income75€2€0▼
Financial charges65/66B€11k€11k▼
Recurring financial charges65€11k€11k▼
Profit (loss) for the period before taxes9903€20k€44k▲
Income taxes67/77€5k€12k▲
Profit (loss) for the period9904€16k€32k▲
Profit (loss) for the period to be appropriated9905€16k€32k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€32k▲
Profit (loss) brought forward from the previous period14P€0-
Transfer from equity791/2-€40k
Transfer to equity691/2€16k€8k▼
To other reserves6921€16k€8k▼
Profit to be distributed694/7-€64k
Return on contributions (dividend)694-€64k
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
2026
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €32k ▲103%
Operating result €55k, net result €32k, both a record.
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €14k ▼12.7%
Net result drops to €14k, the lowest in the series; recovery starts the following year.
01-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 1 day late
2022
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · 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, Deerlijk · 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.
Oliebergstraat 608540 DeerlijkGround area
1,252 m²
Building footprint
194 m²
Volume, LiDAR
998 m³
Parcel 34392E0104/00R000, Flanders · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Oliebergstraat 60, 8540 Deerlijk
since 20202.298.278.507
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34392E0104/00R000 | Flanders | 1,252 m² | 1 · 194 m² | 7.4 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 90 EUR awarded · 90 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 90 EUR | 90 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 3,153 companies in sector 63920 we hold annual accounts for 1,522. 1,241 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-01-2020
Fiscal year end31-12
Activities, NACEBEL
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.