CRO
ActiveCRO has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €48k and a net result of €-3k. Equity is growing by ~10% per year across the filed fiscal years. Its solvency ranks better than 61% of 4596 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability39▼-7
Solvency66▼-5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.38 against 1.69 in 2024; short-term debt: 38.6% and cash: 23.3% of total assets), and 59.2% 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
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
40.8%
Return on assets
-2.2%
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
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 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
5 d late
2023
2 d late
2022
11 d late
2021
8 d late
2020
31 d late
2019
89 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€48k▼ 27.4%
2024 · €66k
2018: €31k
2019: €27k
2020: €44k
2021: €65k
2022: €72k
2023: €64k
2024: €66k
2018 → 2025
Total assets
€117k▼ 18.2%
2024 · €144k
2018: €57k
2019: €55k
2020: €62k
2021: €117k
2022: €162k
2023: €132k
2024: €144k
2018 → 2025
Net result
€-3k
2024 · €2k
2018: €-5k
2019: €-4k
2020: €17k
2021: €36k
2022: €7k
2023: €-8k
2024: €2k
2018 → 2025
Working capital
€17k▼ 47.7%
2024 · €33k
2018: €24k
2019: €23k
2020: €31k
2021: €46k
2022: €29k
2023: €30k
2024: €33k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€65k-€72k▲ 10.0%€64k▼ 10.8%€66k▲ 2.9%€48k▼ 27.4%
Operating result€48k-€11k▼ 77.5%€-13k€8k€3k▼ 65.3%
Net result€36k-€7k▼ 81.9%€-8k€2k€-3k
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 65% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €117k
Fixed assets
€55k▼ 13.0%
Current assets
€62k▼ 22.4%
Equity and liabilities €117k
Equity
€48k▼ 27.4%
Debt
€70k▼ 10.4%
The debt ratio rises from 54.0% to 59.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€13k▼
2024 · €19k
Cash flow
€8k▼
2024 · €13k
Solvency
40.8%▼
2024 · 46.0%
Current ratio
1.38▼
2024 · 1.69
Quick ratio
1.06▼
2024 · 1.41
Debt / equity
1.45▲
2024 · 1.18
ROE
-5.3%▼
2024 · 2.8%
ROA
-2.2%▼
2024 · 1.3%
Interest coverage
2.79▼
2024 · 3.14
Debt
€70k▼
2024 · €78k
Debt ≤ 1 year
€45k▼
2024 · €48k
Debt > 1 year
€24k▼
2024 · €30k
Income taxes
€757▲
2024 · €165
Staff costs
€113k▼
2024 · €167k
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€144k€117k▼
Fixed assets21/28€63k€55k▼
Tangible fixed assets22/27€63k€55k▼
Plant, machinery and equipment23€56k€49k▼
Furniture and vehicles24€7k€6k▼
Current assets29/58€80k€62k▼
Stocks and contracts in progress3€13k€14k▲
Stocks30/36€13k€14k▲
Amounts receivable within one year40/41€31k€19k▼
Trade receivables40€10k€19k▲
Other amounts receivable41€21k-
Cash at bank and in hand54/58€34k€27k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€144k€117k▼
Equity10/15€66k€48k▼
Contributions10/11€29k€29k=
Reserves13€42k€27k▼
Distributable reserves133€42k€27k▼
Profit (loss) carried forward14€-6k€-8k▼
Amounts payable17/49€78k€70k▼
Amounts payable after more than one year17€30k€24k▼
Financial debts170/4€30k€24k▼
Amounts payable within one year42/48€48k€45k▼
Current portion of amounts payable after more than one year42€6k€6k▲
Trade debts44€14k€6k▼
Suppliers440/4€14k€6k▼
Advances received on contracts in progress46€5k-
Taxes, remuneration and social security45€23k€19k▼
Taxes450/3€6k€10k▲
Remuneration and social security454/9€17k€9k▼
Other amounts payable47/48€49€15k▲
Accrued charges and deferred income492/3€53€6▼
Income statement
Code20242025
Remuneration, social security and pensions62€167k€113k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€10k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€188k€128k▼
Operating profit (loss)9901€8k€3k▼
Financial income75/76B€265€55▼
Recurring financial income75€265€55▼
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€2k€-2k▼
Income taxes67/77€165€757▲
Profit (loss) for the period9904€2k€-3k▼
Profit (loss) for the period to be appropriated9905€2k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-6k€-8k▼
Profit (loss) brought forward from the previous period14P€-8k€-6k▲
Transfer from equity791/2-€16k
Profit to be distributed694/7-€16k
Return on contributions (dividend)694-€16k
The notes to these accounts (10 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
05-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 5 days late
2024
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
02-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 2 days late
2023
31-12
Financial
Weakest financial yearnet €-8k ▼219%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
11-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 11 days late
2022
08-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 8 days late
2021
31-12
Financial
Highest result since 2018net €36k ▲111%
Operating result €48k, net result €36k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €17k
Net result €17k after 2 loss-making years.
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 89 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
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
2 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, Namur · 1 establishment unit since 2014
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.
Rue de Géronsart(JB) 45100 NamurGround area
207 m²
Building footprint
64 m²
Volume, LiDAR
597 m³
Parcel 92322F0575/00A000, Wallonia · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
L'APPARTEMENT
since 20142.234.552.079
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92322F0575/00A000 | Wallonia | 207 m² | 1 · 64 m² | 10.4 m · 3 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.
Similar companies · same sector, comparable size
KREBIS
BE 0884.756.893
Kortrijk · Eq €48k
LAST ONE
BE 0741.799.283
Berlaar · Eq €48k
Petrosyan
BE 0785.735.137
Ukkel · Eq €48k
HCD
BE 0864.793.107
Zuienkerke · Eq €48k
ESPERLUETTE
BE 0785.541.335
Schaarbeek · Eq €48k
Of 21,748 companies in sector 96210 we hold annual accounts for 2,831. 2,134 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-09-2014
Fiscal year end31-12
Trade name FR
L'APPARTEMENT
Activities, NACEBEL
96021Hairdressing
96210Hairdressing and barber services
47750Retail sale of cosmetics and toilet articles
47784Retail sale of souvenirs and religious articles
47786Retail trade
96022Beauty treatment
96040Personal service activities
96220Beauty care and other beauty treatments
96230Day spas, saunas and steam baths
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.lappartement-jambes.be
E-mail:crosprl@gmail.com